23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I purchased a bed and financed it for no interest with equal monthly payments through synchrony bank. I have been faithfully making my payments each month for about a year and a half. Last month I rcvd a bill that stated that I did not make my XXXX payment. I thought I had made it but did not give it much thought as I had a death in the family and a lot going on. I made an extra payment in XXXX to make it up. Then last night XXXX/XXXX/15 I rcvd a call from synchrony bank stating my account was past due. So I kept them on the phone and logged into my bill pay account. While going over the payment dates with the clerk I saw I did make my XXXX payment on XXXX XXXX. She stated that since I made the payment before my statement generated they applied it to the balance and stated I had a late payment and charged me a late fee. Not sure how, but I ended up having XXXX in late fees added to the account. Well after several phone calls from out of the country they refused to fix anything they just wanted their XXXX, likely to hit their " goal ''. I called this morning and spoke to a customer service rep in the XXXX. He did fix the issue and removed the late fees. However, he did tell me that this happens to a lot of people. I felt like this was a fraudulent way to try to make money off of my account as it is a no interest account. If I had not noticed or rcvd the phone call I may have paid it even though my payments were never late!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please report the payment status positive and update the late from reporting on these accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX
Product: Mortgage

Mortgage servicer : BSI Financial services XXXX XXXX XXXX XXXX XXXX, TX XXXX Loan number XXXX This company keeps sending me threatening letters even after I have provided insurance renewal documents over a month ago. My insurance agent has contacted them and provided required information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account # XXXX I have concerns in regards to what you are reporting on my credit report. This account is reporting with XXXX different amounts of high credit. The account paid in XXXX from XXXX XXXX XXXX due to a total loss. Upon reviewing my credit report. The company XXXX XXXX continues to report the account as open with monthly late payments as of XX/XX/XXXX for a car that has been totaled loss and not in my possession since XXXX. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 

Also, The CFPB and New York Attorney General Sue XXXX XXXX for Hiding Auto Loan Cost, Setting Borrowers Up to fail. This lender hid the true cost of loans subjecting car borrowers to several financial distress and aggressive debt collection. 

Please review the attached article from the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries from my credit report. I have been a victim of identity theft due to a data breach, and the following accounts and inquiries were fraudulently opened without my authorization. 
Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to the removal of these items from my credit report.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Glasser and Glasser , PLC XXXX XXXX XXXX, XXXX, VA XXXX This attorney has served me a warrant in debt with XXXX XXXX. I have not been given an opportunity to dispute, request verification, or settle if it is in fact owed. I do XXXX  XXXX and work out of state and I use my parents home as my tax address. Upon contacting my mother, I have been made aware XXXX XXXX  has harassed my parents home as well which I do not reside calling every 30 minutes daily for a period of time. I will be obtaining records of these phone call attempts made which is harassment under the FDCPA. I intend to countersue both the attorney and XXXX XXXX  for violations under the FDCPA and damages for having to arrange to come home to appear in court while working as a XXXX XXXX out of state if this case is not dismissed.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Director of Ocwen Department of the Consumer Ombudsman XXXX XXXX Dear Mr. XXXX : On XX/XX/2018, I and a representative of Senator XXXX ( XXXX XXXX ) conferred with you about a serious problem we were having with the modification process of our mortgage. At that time you indicated that you would take care of the situation and would work with me in order to resolve the problems with the modification process of my mortgage. After that conference, I sent a new modification application to you as requested and awaited your response. 

Throughout this period I have been prepared to do whatever is necessary to resolve the situation with the modification -- which really should not be so difficult and is most certainly viable and possible. Unfortunately I received no further communication from you, but have instead just received yet again another letter informing me that you are attempting to sell my home, now on XX/XX/2018. 

We are shocked and very angry that your company would engage in such severely irresponsible behavior. We had an agreement to, in the very least, make an attempt to work out the situation -- which can be worked out. 

The extraordinary act of attempting to sell a familys home without any legitimate legal basis is a life and death situation for some Americans. This profoundly unethical behavior is an abuse of a severely dysfunctional and corrupt legal system in an attempt to do your part in the overall agenda to literally usurp the property of humanity itself. This situation must stop now! 

Please cancel the foreclosure sale scheduled for XX/XX/2018 and communicate with me about this situation. As I have indicated in the past I am certainly willing to work with you to resolve this situation and to avoid what would be a completely inappropriate, illegal, and unconscionable outcome. 

Completely failing to address the situation and allowing such a gross abuse of the rights of others is an absolutely unacceptable way to proceed. 

Sincerely, XXXX XXXX XXXX XXXX CC : Senator XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and have noticed some accounts that i am not responsible for. I disputed with the companys responsible but did not get the results expected. See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the three credit bureaus asking for an investigation, verification, and updating of these suspicious accounts. Because I firmly believe that the Credit Bureaus willfully violated FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, I will take legal action against the three Credit Bureaus. I had included these accounts in my complaint from XX/XX/2022, and I'm submitting them again. the accounts listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$0.00} ; these account information on my credit file has to be updated to reflect the current balance.
Product: Checking or savings account

On XX/XX/20 I purchased XXXX passes for {$370.00}. But with covid 19 the epidemic. The passes were not able to be use by the deadline in XXXX. I ask wells.fargo to dispute on mu behalf and did nothing. I'm strongly thinking of taking my business to XXXX or XXXX XXXXXXXX. They are better with handling those issues. WF stink as a bank and their fees handling with warning you about overdraft also. They Claim they can't alert between XXXX to XXXX. I know that's not the fact I had got alert at XXXX about banking issues. They just want to charge that overdraft fee of XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2015 I went to the atm and withdrew money from my bank account. I ended up overdrawing my bank account to about a total of XXXX. After it was overdrawn for a month, it was sent to collections, and this reflected on my credit report as a charged off debt. Then the bank Vice President, XXXX XXXX, decided to also call the police department and ask them to file a warrant on me. This is highly illegal. I currently have a lawyer working to resolve this issue.
Product: Checking or savings account

Citi bank closed my account for money orders issued to myself for being deposited into my checking account they invaded my privacy of the deposit of approximately 5700 dollars in money orders and deemed it fraudulent however the money has not been report as a scam and the bank contacted the sender who confirmed it was for me but the bank denied this action and still deemed it fraudulent the bank is refusing to commit are about the manner transparently they are holding the funds and they are refusing to let me be aware of what going on with my account they havent had the police to contact myself reguarding the deposit and will not release the fund to myself. The bank has said I should be implicated for the deposit and have automatically deemed guilty for the matter and have not let me speak for myself to the authorities they have a disposition to in XXXX the myself for the deposit even though the money has not been reported stolen I am being discriminated by the bank because of my XXXX and not been given a faithful benefit of the doubt or trust by the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX
Product: Checking or savings account

Back in XXXX 2021, i applied for a new CITI checking account because they sent me an advertisement on my app as i have 2 credit cards with them. I deposited $ XXXX and i was suppose to get {$400.00} bonus in 90 days. It's now been 6 months and no bonus. I called for the last 3 months and they validated that the bonus was coming and that i met all the qualifications. On XX/XX/XXXX i filed a dispute to which they now say i didnt qualify. I am so frustrated with this company.
Product: Debt collection

Im being sued and billed for a bill that is not mine Ive never had a XXXX XXXX in my name Ive been on my mothers account since I was in high school then I recently got my own account in my name Im 2024 I want this account removed immediately from all reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submit this compliant for myself and myself only I am a victim of Identity Theft I have attached the information
Product: Debt collection

Scott and Associates took out money out of my savings account on XX/XX/XXXX in the amount of {$760.00}. Plus there was a fee of {$120.00} taken out that day as well. On XX/XX/XXXX an amount of {$790.00} was taken out for the same debt that had already been paid. They claim they never received this money from by bank. My bank has stated that Scott and associates has not done what they are supposed to do to receive this money. Meanwhile, Im getting court notices repeatedly sent to me and I have now paid over twice the amount, still getting collection calls and my credit every month gets dinged for something I paid off almost a year ago. I was have spoken to both Scott and associates and my bank. It appears they arent following through with that they need to do. But it is in turn hurting me and they continue to create court dates for garnishment on a debt that has been paid, now twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/XXXXI reached out to these bureaus to request that fraudulent accounts and inquiries that are reporting on my credit file be blocked pursuant to section 605B of the Fair Credit Reporting Act. 

They did not remove : XXXX XXXX XXXX, {$980.00}, XX/XX/XXXX. 

I would like to request that these items be block in accordance with section 605B of the Fair Credit Reporting Act.

I would also like to request a copy of the investigation including the company ( s ) they are receiving this fraudulent information from.
Product: Credit reporting

I have informed Trans Union many time that XXXX XXXX bank has fail to verify the accuracy of this account Under FDCPA Section 809. Validation of debts [ 15 USC 1692g ] .The amount owed is incorrect XXXX XXXX bank claim to have received payments I did not make. my name is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX account reporting on TransUnion and XXXX that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Company : XXXX XXXX XXXX Amount : {$1100.00} Account # : XXXX Asking for a Fast Removal Of This Fraudulent Activity On my Report
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was placed with an area called consumer affairs with this cre4dit reporting agency. they have just flat out been horrible to deal with there is an address that reports that is not mine and every once in a while it comes back which makes other items that report with my name and that address populate that may not be mine or may be inaccurate. 

I've made it very clear to them to delete it and suppress it like the other bureaus have but they have refused to do so. 

I guess this credit reporting agency does not like to follow the FCRA laws or the mixed file rules and regulations on how to correct things and suppress things so that things don't re report. 

so once again the address on XXXX XXXX is not an address that I live at, use, or have credit associated with and if one of the institutions I deal with is somehow using it I'll reach out to those institutions too and let them know but I'd like the address suppressed my address should be the address that's on my profile with you and on my profile with them and nowhere else.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent proof by certified mail to XXXX  to remove fraudulent information. I also included form 605b which requires them to block fraud accounts within 4 days. XXXX filed dispute on 1 of the accounts which caused me to call them and inquire why all the accounts were not blocked. They decided to dispute the other account and not block it and told me that I have to wait 30 days for the block which violates FCRA 605B. I want this information blocked immediately.
Product: Credit card

I was unaware that my credit card with synchrony bank was closed until I tried to log into my account to pay my bill and it would not allow me to log in, I called the number and was told my account was closed due to having a returned payment back in XXXX. I have bank statements to show that I did in fact make my payment in XXXX along with every payment every month. Ive always paid more than my minimum amount due every month since opening that store card. Ive never not paid. They stated that there is nothing they can do and it will now be reported on my credit as account closed due to dishonorable payment. Its is not fair that it will be reported this way when Ive always paid every month. And I have proof and bank statements that Ive always made my payments. I would like to dispute this report and show the credit bureau that there was no dishonorable payment. I also have paperless billing and get all my statements emailed to me. They said my account was closed on XX/XX/XXXX and received an email that day of my statement letting me know what my next payment was on XX/XX/XXXX nothing stating that I was in jeopardy of account being closed or that it was closed or anything. I will also attach a letter I recieved XX/XX/XXXX stating my payment for XXXX Was XXXX ( because I make my payments and often over pay I had no minimum. This account was closed for unfair reasons and needs to be reported correctly
Product: Credit reporting or other personal consumer reports

IVE RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED UNAUTHORIZED INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account to all 3 credit bureaus as a charged off account which i have challenged the 100 % accurate reporting of this account 6 times to the credit bureaus and they always say its verified XXXX accurate well heres proof its not and i am escalating this to the CFPB ... ... this account is Inaccurate. i have pointed the inaccurate reporting to the 3 credit bureaus as well as discover 6 times in the past year and they ignore it ..by law they are required to report 100 % accurate, verifiable and consistent data between bureaus and they are not.they are reporting 3 different dates of last active between the credit bureaus XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX this account is re aged.they are reporting 2 different credit amounts {$1500.00} and {$0.00} different account numbers are being reported if you take a look XXXX has a dash in fornt. ..they are violating my rights as a consumer Also since they are reporting this as a charged off account they should have send me a copy of the 1099C that was issued to the IRS by law and i never received it... i have attached a copy of proof of this inaccurate reporting
Product: Debt collection

On XX/XX/2022, XXXX XXXX put a {$250.00} collection on my account. I have no idea who XXXX XXXX is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by XXXX XXXX. Please remove the XXXX XXXX illegal collections account from my TransUnion credit report. XXXX XXXX Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX