23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Mortgage payment I paid to Select portfolio servicing was {$3700.00}. Select portfolio servicing documents states " payment in full '' {$3200.00}. I requested a refund of {$530.00} due to over payment. Was told the refund they processed is in the amount of {$130.00}. why? When there were no late charges or penalties of ANY kind. Six Select portfolio servicing employees and supervisors have stated that I will receive a refund from escrow and the principal. I paid the mortgage for the loan due to the home and land was willed to me by the previous owner. And I have been told so many untruths by this company.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered that there are several false accounts listed that do not belong to me. 
The presence of these false accounts on my credit report is damaging my credit score and reputation unfairly. 

The following accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently discovered unauthorized credit applications submitted in my name to two lenders. One was from XXXXXXXX XXXX  XXXX and the other was for XXXX XXXX XXXX XXXX XXXX XXXX I was at home when I received email notifications about these applications, which I did not submit. I immediately contacted my credit lenders to report the fraud, but they insisted that I was the one who submitted the applications. Despite my efforts to dispute these charges, the process has been unhelpful. I am seeking assistance on how to resolve this issue effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello good morning my name is XXXX XXXX, I have a bit of a story with this and I hope you are willing to listen. 

In XX/XX/XXXX I was approved for a XXXX  XXXX XXXX XXXX. I was highly appreciative of it since I have had credit issues in the past and I was happy to be given a chance. 

I used this card a fair bit but during my credit rebuild it appears I somehow disputed this card with the credit bureaus and on XX/XX/XXXX I received a phone call from you that the card is currently under dispute and will be locked. I was given the following contact information ; Please call XXXX XXXX XXXX XXXX extension XXXX. I will also attach the voice mail to this email for you to listen to. 

After I called her back I was told the account was disputed and is currently locked. Of course since I was going through a rebuild I was highly concerned about my credit since I knew there was an amount due on it I asked to pay this since I didn't want any issues with my credit. I was told since it was in dispute 1 ) I could not make a payment but not to worry since it was frozen and could not report late 2 ) If I wanted to reinstate it you could fax me a form and after you verify with the credit bureaus you would consider reopening the account. 

I faxed this paper to you on around XX/XX/XXXX give or take a few days. Again your representative told me I could not make a payment but not to be concerned. 

After reviewing my report it turns out the following has happened 1 ) XX/XX/XXXX you gave me a 30 day late payment I would like the following actions 1 ) Remove the late payment since it was impossible for me to pay and I was clearly told by the above agent I would have no late payments and not to worry I have tried to contact your staff including the person who helped me before, I have also tried to dispute this with the credit bureaus and neither has been successful. The fraud agent just take around 30 minutes and then tell me to write a letter. The Credit bureaus just verify both as correct data. 

Please help me. 

In the meantime you gave me a new credit card account in XX/XX/XXXX, which I currently still do use. 

Currently I have the following with you 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX 3 ) Checking account 4 ) Savings account My phone number is XXXX XXXX XXXX or XXXX XXXX XXXX. 

My full name is XXXX XXXX and the last four digits of the card involved is XXXX. 

I look forward to a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my Trans Union Credit File online XX/XX/2022 and found very serious errors in my personal information. 

I filed a dispute online with them on XX/XX/2022. 

I received an email stating that my dispute was resolved and to click the link in the email to be taken to my online Trans Union Account to view the updated information. When I clicked the link it took me to https : //service.transunion.com and asked me to identify buses or something ( CAPTCHA ). I did so, then the screen immediately went to : ACCESS DENIED. 

So I tried again and the same thing. I tried a different browser, same thing. Cleared all cookies, cache, etc. Same thing. 

I have received 2 more emails from them about retrieving my results and the same thing keeps happening. 

I have called Trans Union per the directions of the ACCESS DENIED screen and they have not helped with resolving this issue. The representatives tell me to try another computer, or my phone, or send them a letter to request a copy of my credit report but, have not adequately addressed the situation. 

I was on the phone with them for over 3 hours today, I had to give them every bit of identifiable information they asked for just to make sure it was me on the phone and then they said to check back with them in 5-7 business days to see if the issue has resolved, after, AFTER, I read to them the information that is shown in the attached screen shot AND looked up on XXXX and XXXX and READ them the steps for resolution AND proved to them that it's not an issue with my computer system. 

In the meantime, they said, they would send me a copy of my credit report in the mail, not electronically, AND that it would take 5-7 business days to get it. They also said I will not be able to DISPUTE anything on my report except by mail. 

I think this is a clear violation of my rights.
Product: Student loan

I logged into my email this morning and saw that I was put into " Administrative Forbearance ''. After signing in and being the documentation, even though I am on the SAVE plan, the document shows that I will be responsible for the interest accrued. I didn't ask for a forbearance and under the SAVE plan interest is supposed to be waived. Not sure what is going on, but I just aXX/XX/XXXXXX/XX/XXXXchannel with many people saying the same thing happened to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are reporting with inaccurate information. These accounts are reported as late payment and potentially negative ( violation against 15 USC 1666b ). When in fact, EQUIFAX did not conduct a full and proper investigation to conclude that these accounts were accurate ( violation against 15 USC 1692g ). I never consented to this inaccurate information to be furnished and it is infringing upon my right to privacy when they did not give me a clear and conspicuous option to opt out of sharing my non-public information ( violation against 15 USC 6802 & Privacy Act of 1974 ). Going against these law can be fined in a civil matter if EQUIFAX does not correct these accounts INQUIRY : XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXXXXXX DATE : XXXX XXXX, XXXX INQUIRY : XXXX - XXXX XXXX DATE : XXXX XXXX, XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$340.00} ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX ACCOUNT OPENED ON : XX/XX/XXXX ACCOUNT BALANCE : {$54000.00}
Product: Student loan

hello I have been telling XXXX university to return that student loan back but they are not listening to me at all how can you fixed this problem
Product: Credit card

My truck was towed to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for transmission issues on the XXXX or XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX explained to me the problem with my transmission and the cost would be {$4800.00}. I asked XXXX do XXXX XXXX XXXXe and he said yes with Synchrony XXXX XXXX which I have finance with them before and he sent me an link to Synchrony which I was having problems with. I called XXXX to let him know I was having problems with the link and he said I can do it from my end and I said fine. XXXX called and inform me he had completed my application and I was approved for {$5000.00} not knowing he used my credit card before the job was done and without my permission because normally when I finance something I at least put some cash down so my credit score won't drop to low. I contacted XXXX supervisor about this matter and he said that XXXX! XXXX wasn't suppose to use my credit card without my permission and not before the job was completed. My problem is with Synchrony for not protecting me from scams and giving companies access to use my credit card without my permission and maxing out my credit card before the job was completed. How do i know how much my vehicle really cost? How do I know they didn't sabotage my link so they could charge me more? How do I know XXXX XXXX and Synchrony is not working together to scam consumers? I hold Synchrony totally responsible for this issue they should not give companies access to abuse people credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a cosigner on a loan with my son at XXXX. The loan was for a {$67000.00} signature loan taken out in XXXX, XXXX. At all times during this loan, payments were always made on time. 

On XX/XX/XXXX, my son ( one of the applicants on the loan ) filed for bankruptcy. However, my ex husband and myself did not ( co-applicants on the account ). So according to the loan agreement, I am still responsible for the payment of this loan. I did not file for bankruptcy. After the bankruptcy was filed, XXXX charged the account off and reported the account as a charge off to my credit report. This action dropped my credit score over 135 points. At the time this loan was charged off, the account was current. It is also noteworthy to mention that XXXX took a payment on XX/XX/XXXX and subsequently returned it to my son. XXXX never notified me that one of the applicants filed for bankruptcy and they never gave me an opportunity to make payments on the loan. 

XXXX is damaging my credit report by reporting this account as charged off. They charged the account off while it was current. Furthermore, a bankruptcy filing by one of the three applicants on the loan should not negatively affect the credit of the other two non-filing applicants, especially when payments have been made on time.
Product: Credit reporting or other personal consumer reports

( See attached for full complaint ) I have enclosed personal identification and a copy of FTC report to prevent any further stall tactics from Experian.
Product: Vehicle loan or lease

just reaching back out I was want to let you all know that they re-Poed my vehicle tonight, XXXX XXXX didnt notice the vehicle was gone. They did not knock on the door or anything on my end. I try to refinance the truck today again at my bank. They told me that it was upside down still and they could not do it. Are they let the bank know about the vehicle they did not solve anything, on my recall on my credit report the vehicle is worth {$25000.00}. They try to charge me {$51000.00} for the vehicle. This is Chrysler capital no communication at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified XXXX, XXXX, andTransunion by Certified Mail on XX/XX/2022 that I disputed the following 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  And supplied documents supporting why accounts were inaccurate including Billing statements, Bank Statements and Copy of Credit Report and to their Fraud Dept I sent Letter from FTC that the following accounts were due to Identity Theft and I included Police Report # XXXX Affidavit and FTC report 1 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1 sent by Certified Mail a letter requesting investigation of all accounts previously stated to investigate if every piece of information was 100 % correct if found to not be correct to remove from my Credit Report The credit Bureaus stated Accounts was properly investigated but how is that possible if date Last Verified is inaccurate, Date Reported is inaccurate, date Opened is inaccurate, Last Payment date is inaccurate, Account Type is inaccurate, Creditor Type is inaccurate, and Payment History is Inaccurate, and Payment Frequency is not accurate. This is grounds for removal. They also violated my rights under 15 U.S.C 1681 Section 604 ( A ) Section2 The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 
I haven't given these accounts written permission to furnish these accounts on my credit report as well 15 U.S..C 1681 Section 602 ( A ) States I have the right to privacy 15 U.S.C 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; 15 U.S. Code 1681b ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never supplied written instructions to furnish Report to anyone
Product: Credit reporting or other personal consumer reports

The official account holder and the organization official Creditor sold account to are both claiming the debt I have brought to there attention and they refuse to move one
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : payments never late XXXX XXXX XXXX : XXXX View account details Account status Age of Account Late payments Closed 3 years 4 months 11 days 2 FCRA violations : inquires not mine XXXX Dispute this Address Date of inquiry XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to request your assistance in resolving a dispute with Synchrony Bank. Despite numerous attempts to contact them, including certified mail sent on XX/XX/XXXX and XX/XX/XXXX, I have not received a response from XXXX XXXX. 

The issue at hand is an inaccurate account on my credit report, which Synchrony Bank added in error. This mistake has caused my credit score to drop by XXXX points. I am seeking the following resolution : XXXX. Update the account to reflect its accurate status. 
XXXX. Remove the additional, incorrect account from my credit report. 
XXXX. Provide compensation for punitive damages in the amount of {$10000.00}. 

Due to XXXX XXXX gross negligence and Synchrony Bank 's error, noted and supported in my letters. I have been denied credit, credit limit increases, mortgage loans, and business funding for my XXXX businesses. This has significantly impacted my financial well-being, and I am seeking restitution. 

I would appreciate your help in resolving this matter. Please find the details of my case below : - Account Inaccuracies dispute multiple times. You will find some of those documented and on record with the CFPB. This has been exhausting has been crippling to my life resulting in pain and suffering ams an unspeakable amount of my time, which is why Im now seeking restitution. 
- Dates of attempted contact : XX/XX/XXXX and XX/XX/XXXX - Method of attempted contact : Certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity has been stolen since XXXX as of XX/XX/XXXX. I also filed a police report on XX/XX/XXXX, regarding this matter of impersonation. There were several inquiries listed on my credit reports that I was unaware of. I contacted the companies the inquiries that were not removed. Attached you will see a copy of my credit reports and highlighted accounts as well as a copy of my police report. I was told that I would have to wait until everything in questioning falls off after contacting the companies directly
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several accounts that are currently appearing on my credit report. These accounts are as follows : XXXXXXXX XXXX, account number XXXX, which has been late payment. 
XXXX XXXX XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been late payment. 
XXXX, account number XXXX, which has been charge off. 
I believe that these accounts may contain errors or violations of federal law, including : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Fair and Accurate Credit Transactions Act ( FACTA ) Truth in Lending Act ( TILA ) Real Estate Settlement Procedures Act ( RESPA ) Equal Credit Opportunity Act ( ECOA ) Fair Credit Billing Act ( FCBA ) I am specifically concerned that your actions with respect to these accounts may have violated one or more of these laws. For example, the information on these accounts may not have been reported accurately, or the debt collection activity related to these accounts may not have been conducted in compliance with the FDCPA. 

I am requesting that you take the following actions to address these issues : Correct any errors or inaccuracies in my credit report related to these accounts. 
Cease any collection activity related to these accounts until the issues have been resolved. 
Provide me with any documentation that supports your position on these accounts. 
Respond to this dispute in writing within 30 days, and include a detailed explanation of how you plan to address these issues. 
I take this matter very seriously, and I am prepared to take legal action if necessary to protect my rights under federal law. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and
they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Each account below has debt that is not mine : Account # XXXX Account # XXXX Account # XXXX The accurate amount of debt on each account is {$0.00} as it is not mine. My only address is XXXX XXXX XXXX XXXX # XXXX XXXX, KY XXXX since XX/XX/2000 until XXXX. No valid information of mine is associated with any additional addresses that may be reporting as mine. Each company from Account # XXXX, Account # XXXX, and Account # XXXX has all failed to provide a valid wet signature from me. The status of each account should be closed due to required deletion as the debt is not mine. 
These debts on my account are not mine. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer reports under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information being reported is incorrect and should be deleted and or updated : XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXXXXXX XXXX Account number XXXX