23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I received {$2000.00} from a XXXX  XXXX. I paid close to {$3000.00} and they still wanted more. I tired to talk to them but they just said you agree to pay the loan back. They wanted me to pay closet $ XXXX {$9000.00}. 

YOU must be crazy. I already paid close to {$3000.00}. 

This company has a law suit against them for charging consumer high fees. 

XXXX XXXX XXXX 15 Others Named in Class Action Over Rent-a-Tribe Predatory Lending Scheme. 

The lawsuit detailed on this page has been settled for {$140.00} XXXX. The proposed deal awaits preliminary approval from U.S. District Judge XXXX XXXX XXXX, XXXX. 

As part of the proposed settlement, XXXX XXXX XXXX has agreed to cancel {$76.00} XXXX in loans, covering more than XXXX in the defendants collection, and remit a cash payout of {$65.00} XXXX to borrowers. The deal also calls for XXXX   XXXX  XXXX  CEO to resign from his position before the date preliminary approval is handed down and prohibits the company from using class members information for debt collection purposes, among other relief. 

Why are they still calling me and having attorneys contact me.
Product: Credit reporting or other personal consumer reports

Subject : Intent to Sue for FCRA Violation Unauthorized Post-Bankruptcy Reporting Dear Equifax Dispute Department, I am writing to formally notify you of a serious violation of the Fair Credit Reporting Act ( FCRA ) regarding the improper and illegal reporting of a XXXX XXXX account ( XXXX ) on my credit report after it was XXXX in bankruptcy. 

Despite my bankruptcy discharge, Equifax has negligently allowed XXXX XXXX to report this account as a charged-off account with a past-due balance of {$3800.00}, which is a clear violation of federal bankruptcy laws and the FCRA ( 15 U.S.C. 1681s-2 ). A XXXX debt must not be reported as past due, charged off, or delinquent. 

This error has caused me financial and emotional distress, including but not limited to : Lowered credit scores affecting my ability to secure credit, housing, and employment Reputational damage and stress caused by inaccurate reporting Violation of my rights under federal law My Demands : To resolve this matter amicably, I demand the following : Immediate and permanent deletion of the XXXX XXXX account from my credit report. 
A monetary settlement for damages caused by this negligent reporting, in the maximum amount allowed by law. 
Failure to meet these demands within 10 days from receipt of this letter will result in legal action, including but not limited to : A lawsuit against Equifax for violating the FCRA, seeking statutory and punitive damages A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) A complaint to the Missouri Attorney XXXX XXXX for your failure to comply with federal regulations This letter serves as my good faith attempt to resolve this matter outside of court. If Equifax does not take immediate corrective action, I am prepared to seek full legal recourse. 

Please respond in writing within 10 days to my email which is XXXX.
Product: Mortgage

I filed chapter XXXX bankruptcy and reaffirmed my mortgage with Fay servicing during the bankruptcy process. I have contacted the company on multiple occasions and provided them proof of the reaffirmation but they are not reporting my mortgage payment history to the credit bureaus because they repeatedly claim they do not have the reaffirmation paperwork. This has interfered with my ability to refinance my mortgage even though I have provided the necessary documentation multiple times.
Product: Checking or savings account

I opened a checking account ending with XXXX with US Bank on XXXX XXXX. I finished all the requirements for the welcome bonus. However, I have not received the {$400.00} welcome bonus even after the waiting period. I contacted US bank and was told I had met the requirements, but they still did not pay the bonus after several weeks. I listed the bonus requirements below for your reference. 

" U.S. Bank is offering a bonus of {$400.00} when you open a new Silver, Gold or Platinum Business Checking account and complete the following requirements : Use promo code XXXX XXXX {$3000.00} within 30 days of account opening and maintain that for at least 60 days Complete 5 qualifying transactions within 60 days of account opening Enroll In the U.S. Bank Mobile App or U.S. Bank Online Banking within 60 days of account opening. ''
Product: Credit reporting or other personal consumer reports

I have contacted National credit sister, which gave me a letter saying that they would ask the Credit Bureau to remove this from my credit as it is not mines. I have contacted your company and they said they would take it down yet. They did not has seriously affected my credit. 

and again they refuse to take it down
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email notification from Experian to check my account. I have online accounts with Experian, XXXX, XXXX  XXXX XXXX since I was identified as one of the victims of the XXXX data breach at XXXX  and I monitor diligently my credit and all my accounts. When I checked my account it showed I has no credit account with XXXX XXXX  and has NO FICO SCORE to show. Indeed, I have a very active line of credit with XXXX XXXX  in extremely good standing since XXXX. I was shocked and very upset to see this and to see when I logged into my accounts with the other credit agencies that my FICO score of over XXXX  dropped overnight to about XXXX. I protect my excellent credit with my life. I know that this is one of the major indications of identity theft. I spent hours that night and hours each day for the next several days trying to figure out what could have happened, ordering and scouring my credit reports from all agencies and contacting them. When I called my credit card issuer, XXXX XXXX, they escalated my case to XXXX XXXX XXXX of XXXX XXXX  Retail Support group. It was then discovered that XXXX never reported my credit activity for this month ( XX/XX/XXXX ) and all my credit reports and FICO scores with all four agencies reflected this and suffered an enormous drop. After countless calls and emails XXXX did finally supply my data to Experian which the following day, XX/XX/XXXX, reflected the correct FICO score of over XXXX. I then had to open a dispute with each individual agency asking them to re-run my XX/XX/XXXX reports with the correct reporting now supplied by XXXX XXXX, This was a tragic situation for me. I almost went to the police because I was sure fraud was committed against me, only to find out my own bank did not report my credit to the agencies. Now I have an indelible black-mark on my credit history with all agencies showing at 150 point DROP in my hard-earned credit for the month of XXXX that will always be there. XXXX XXXX  made a huge mistake and I'm probably not the only one. This egregious failing on the part of XXXX needs to be investigated. I need ALL my reports with all credit reporting agencies fixed immediately to show that I did not cause this tremendous drop in my credit for the month of XXXX and eradicated if possible. Thank you! XXXX-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

Hello my name is XXXX XXXX XXXX and I have a mortgage with MR cooper loan mortgage and I have a forbidance for natural desaster and I called them on XX/XX/XXXX and XX/XX/2024 and I had asked them for a little more time and they have agreed on the phone and after I called them on XX/XX/2024 they tell me that I will be for foreclosure I have asked them to tell me my options if I bring the loan to date and the First Lady said as I dont have options. They have not gave me options when yesterday I made a payment that was accepted of XXXX and today XXXX of XXXX XXXX to bring the loan up to date and I did today with the amount I put the payment was taken again but MR cooper have not called me to give me the options since I am up to date with the amount I paid today. XX/XX/2024. I need MR cooper to please tell me my rights and to please stop any foreclosure since a person in their company have not explain and have agreed for me to pay in XXXX but I paid it today and the loan should be up to date. I am writing this so in case we go to court this is recorded as a proof that I am and did the right things as a woman and the company MR cooper should try to solve this issues with me in accordance and the right way following the rights as a woman. 
I kindly as the company to please communicate with me and do the right thing because I have paid the XXXX XXXX that was to bring the loan to update.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States that I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately - California FCRA Identity Theft Fraud Laws Dear XXXX XXXX, I am reaching out to address a significant concern regarding the unauthorized reporting of information to my credit report, as dictated by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ), and California state identity theft fraud laws. 

It has come to my attention that XXXX XXXX has engaged in unauthorized reporting to my credit report without obtaining my explicit consent, a clear violation of federal and state laws. The FCRA strictly mandates that consumer consent is a fundamental prerequisite for any reporting activities under Section XXXX ( a ) ( XXXX ). 

Furthermore, California state laws, particularly those concerning identity theft fraud, underscore the seriousness of unauthorized access and misuse of personal information. Such actions not only breach my privacy rights but also have the potential to inflict irreparable harm to my creditworthiness. 

I want to assert unequivocally that I have not provided consent for XXXX XXXX to report any information to my credit report. This lack of explicit permission is a direct violation of my rights and demands immediate rectification. 

I demand, with the utmost urgency, that XXXX XXXX ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section XXXX ( a ) ( XXXX ) of the FCRA and California state identity theft fraud laws. Failure to comply within the stipulated XXXX timeframe will be deemed as willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary ; it is a legal obligation under these specific sections of the FCRA and California state laws, aimed at safeguarding consumers from unauthorized and damaging credit reporting. 

I expect prompt attention to this matter and trust that XXXX XXXX will take immediate steps to rectify these violations, respecting my rights under federal and state laws. 

This communication is made in good faith. 

Sincerely,
Product: Debt collection

I received a bonus check from work XX/XX/2013 for {$280.00}. Right after I opened the check I received a phone call from the collection agency stating that they would settle right now with a money order for the amount of {$280.00}. I went to the Bank, cashed the check, went to the Post Office and mailed it to them that same day. It was paid and has not been on my credit report. Since then I have purchased two properties and two vehicles and have a credit score of close to 800. 

This is ridiculous for this matter that has been paid 5 years ago to come up again after I paid it.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and concern regarding the numerous, unsuccessful attempts to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries continue to plague my credit history, causing me substantial distress and financial harm. I first discovered the fraudulent items on my credit report. Since then, I have diligently reported this issue to your agency, providing extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. An in-depth investigation into the origins and validity of these accounts, which I assert are the result of identity theft. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I noticed on my XXXX XXXX report that there were XXXX hard new inquires posted since yesterday. XXXX today on XX/XX/year> and XXXX yesterday on XX/XX/year>. I have not authorized any of these inquires, nor have I applied for credit cards. I called each institution and notified them. They said they did not see any inquiries or applications but that they would make a note. 


First one : SYNCBAMAZON. Location : XXXX XXXX XXXX XXXX, PA XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Second one : XXXX XXXX. Location : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

Third XXXX : XXXXXXXX XXXX XXXX. Location : po box XXXX XXXX, DE XXXX. Phone number XXXX XXXX. Inquiry type is individual. Requested on XX/XX/year>. 

I also need a letter so that I can delete these from my report.
Product: Credit card

I have no doubts there is XXXX going on here as other people that I know with similiar problems, who have XXXX or XXXXXXXX names are running into the same issue with Barclays and we have already contacted a discrimination attorney My current issue is that I'm going through a divorce and find it impossible to pay a minimum of {$280.00} a month while the interest is nearly {$300.00} a month. My expenses are nearly triple what I take home in pay yet Barclays keeps rejecting me for their hardship program without any real reason and they claim they " can't tell me why, because its confidential ''. Yet every other credit card allowed me to get in a hardship program, even the federal government put me in a hardship program for my taxes. 

Due to where I am employed I can not afford to have any late payments or collections so that's why I am trying for the hardship program. 

They are being totally illogical. We have no doubts that whoever is reviewing these hardship applications is an antisemite or it could be deep rooted in their company. I'm not sure at this point.
Product: Debt collection

I owed a credit from XXXX. A few months after miscommunication, the account transfered to XXXX XXXX XXXX XXXX. First week of XX/XX/XXXX, i called XXXX XXXX to pay all my remaining balances. I double checked if everything was all paid and they said yes. But a few months after, XXXX XXXX still sending me statements and balances on my credit report. I called XXXX XXXX again to confirm i already paid everything and they said yes, and eventually XXXX will stop collecting debts. Yet, the balance still showing and showed that i've been missing payments which led my credit score to go down.
Product: Debt collection

I received a letter from Viking, Inc in regards to a balanced owed for XXXX. In reference to that letter they wanted to verify the validity of debt. In that letter there was note that they would mail a judgement outside 30 days of response to if debt is owed. However, I got another letter from another company name XXXX XXXXXXXX, requiring for me to pay the same amount for debt owed under a different account number. I am concerned because I disputed this debt. I do believe that there is a balanced owed but not two companies. That is not accurate.
Product: Bank account or service

My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX, i have sent certified letters to XXXX asking to have fraudulent inquires removed to no avail. i requested proof of signature giving permission to pull my credit no one has supplied that nor has the creditor. they still continue to report them. i have sent several complaints
Product: Checking or savings account

Both my checking and savings accounts have been on hold for months now and all efforts to get help from either bank at the branch or through the helpline has prove futile. I truly need help because Im drowning in debts and late payments and life is becoming extremely difficult without my lifetime savings
Product: Mortgage

I got this loan in XXXX from Associated Bank, it was pose to be a 10 year loan, but its a 30 year, the banker and mortgage company who done the loan was on the news for fraud I looked in to my loan about XXXX ask to refinance, the banker told me I wouldnt be able to refin in about a year, but I always get the run around, over and over, come to find out the value isnt in the home, which I looked into more and the value was never in the home I got the loan with a XXXX credit score with the amount of XXXX my interest rate is at a 12.2500 % which is very unrealistic at this current day in time. and it seems like its nothing I can do they never gave me my original paperwork its been a tough situation dealing with them, and I have paid them for the loan already, at this point its like highway robbery. No one is being held accountable for me getting played by 2 of their workers and Im just feed up with them. It just a pure embarrassment how I let these men play and Prey on me, if I would have know better I would have done better. Can you please help me to get a resolution, Im tying to find me a lawyer to sue them.
Product: Credit card or prepaid card

I became a customer of Synchrony Bank when I purchased my furnace. I was offered a 24 month interest free credit card which expired on XXXX/XXXX/XXXX. I have never used the card for anything other than the initial purchase. It was always my intention of paying this account in full by the expiration date. 

At the request of Synchrony Bank I signed up for electronic statements. On Thursday, XXXX XXXX, XXXX, I noticed my balance was much higher than what I recalled owing on the account. After further review I realized I was past due on paying off my promotional balance. I had this account setup to pay through my bank and did not review the statement showing the balance was due on XXXX XXXX, XXXX to avoid the additional interest. On the monthly e-mails from Synchrony, it was not evident that my promotional period was expiring. 

It was an oversight on my part and I have since switched to paper statements to avoid this type of error in the future. It was always my intention to pay this account in during the promotional period. It was not readily apparent to me that the full balance was due on XXXX XXXX. If I had been aware that the full balance was due on XXXX XXXX, this account would have been paid off then. 

I wrote to Synchrony requesting that the deferred interest that was charged, {$2500.00}, be waived. I enclosed a check for {$3300.00}, which represents the promotional balance that was outstanding ( which they cashed ). I am currently in good standing with Synchrony with this account as well as other accounts I have had with GE Capital/Synchrony. I  am very conscientious about paying my bills on time which is reflected in my excellent credit history. 

I also feel the interest charged of 29.99 % is exorbitant. 

Synchrony denied my request. 

Thank you, XXXX XXXX
Product: Debt collection

I filed a complaint on XX/XX/2023 on this same company for stealing my identity from XXXX. I received a COLLECTION LETTER in XX/XX/2023 I did not agree to a contract with either of these entities. Credit Management closed this matter earlier this year and this is the second time they are sending me a letter dated XX/XX/2023, received today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian was unable to verify these accounts, so they had removed the accounts. As I was reviewing my report, I noticed that Experian reentered these accounts on my report which cause my score to drop. I have sent out letters informing them on the situation and haven't been able to get any response.