23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX charges began to occur on my Venmo/Synchrony Bank XXXX The first one was Amazon in the amount of {$71.00}. The company actually called me and asked me if I made any charges and I said NO. I said Please do NOT allow any charges that are unauthorized. They proceeded to allow thousands and thousands of charges to go through. Some of them they have refunded but there is still a balance of Fraudulent charges in the amount of {$1300.00}. ALL charges since XX/XX/XXXX through end of XXXX are fraudulent. I did not allow ANY. I have called the company well over 30 times and escalated the issue repeatedly and nothing is accomplished. I have hired a lawyer as well because this is flat out robbery, and I will not stand for it. I have over 50 emails from them sending me in circles with nothing getting accomplished. They keep telling me to wait 3 - 5 more business days. Wait more. Etc. It has now been 4 months. This is not acceptable and I need the charges credited back immediately. Totally inexcusable and I have let everyone know to STEER CLEAR of Synchrony. I hope they make this right.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : DOEXXXX Account Number : XXXX Account Name : DOEXXXX Account Number XXXX XXXX Account Name : DOE/XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I HOPE THIS LETTER FINDS YOU WELL. 

I AM WRITING TO REQUEST THE REMOVAL OF UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT HELD BY TRANSUNION. UPON REVIEWING MY CREDIT REPORT, I DISCOVERED SEVERAL INQUIRIES THAT I DID NOT AUTHORIZE OR INITIATE. THESE UNAUTHORIZED INQUIRIES ARE CAUSING CONCERNS ABOUT THE SECURITY OF MY PERSONAL CREDIT INFORMATION. THE UNAUTHORIZED INQUIRIES APPEAR AS FOLLOWS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE NOTE THAT THESE INQUIRIES WERE PREVIOUSLY REMOVED, AND THEIR REAPPEARANCE IS CAUSING SIGNIFICANT DISTRESS. I UNDERSTAND THAT TRANSUNION VALUES THE ACCURACY AND INTEGRITY OF CREDIT REPORTS. UNAUTHORIZED INQUIRIES CAN NEGATIVELY IMPACT MY CREDITWORTHINESS AND FINANCIAL SECURITY. TO RESOLVE THIS MATTER EFFICIENTLY AND AVOID UNNECESSARY COSTS ASSOCIATED WITH LEGAL PROCEEDINGS, I AM PROPOSING A MUTUALLY BENEFICIAL RESOLUTION. XXXX. **REMOVE THE UNAUTHORIZED INQUIRIES** : I REQUEST THAT TRANSUNION PROMPTLY REMOVE THE UNAUTHORIZED CREDIT INQUIRIES FROM MY CREDIT REPORT TO RECTIFY THE INACCURACIES AND ALLEVIATE ANY POTENTIAL HARM TO MY CREDITWORTHINESS. XXXX. **COOPERATION AND GOODWILL** : IN RETURN FOR TRANSUNION 'S COOPERATION IN REMOVING THESE UNAUTHORIZED INQUIRIES, I AM WILLING TO FORGO ANY FURTHER ACTIONS, INCLUDING ARBITRATION OR LEGAL PROCEEDINGS, RELATED TO THIS MATTER. I BELIEVE THAT PROMPT ACTION ON THIS ISSUE WILL BENEFIT BOTH PARTIES AND MAINTAIN THE ACCURACY OF MY CREDIT REPORT WHILE AVOIDING UNNECESSARY COSTS AND POTENTIAL LEGAL DISPUTES. I KINDLY REQUEST THAT TRANSUNION RESPOND TO THIS LETTER WITHIN XXXX HOURS OF RECEIPT TO CONFIRM YOUR WILLINGNESS TO COOPERATE AND REMOVE THE UNAUTHORIZED INQUIRIES FROM MY CREDIT REPORT. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER, AND I LOOK FORWARD TO A TIMELY RESOLUTION. 

SINCERELY, XXXX XXXX THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach stealing all of my information
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under XXXX XXXXXXXX XXXX  XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : GM Financial Account # XXXX Had a 4 year lease with GM Financial for a XXXX, with perfect payment history and the account set up on Auto-Pay. I have a perfect credit file on all 3 bureaus, and have never missed a payment. 

Upon return of the leased vehicle, I was not advised of the {$590.00} return fee, and did not receive a bill for the fee. In addition, the account was always on auto-pay, which GM Financial states they remove automatically at lease return. This was also not advised. 

Received a phone call on XX/XX/XXXX from an outbound agent for XXXX, stating that there is a balance on the account of {$590.00} and explained what it was for. I advised that I would be happy to take care of the payment, and asked if I can schedule it the following week. He did not state that this was past due, nor did he advise of the actual due date. 

As agreed based on the conversation, I set up the payment on XX/XX/XXXX to be deducted on XX/XX/XXXX. 

Today XX/XX/XXXX, I received an alert on my XX/XX/XXXXcredit file that GM reported me 30 days late. Thinking it was an error, I immediately called GM Financial. I explained everything noted above, they verified the pending payment, and then I asked them to remove the 30 day late that they reported. 

After speaking with managers ( ID # XXXX and ID # XXXX ), they told me that its my fault that I did not know they removed me from auto-pay, as well as took no responsibility for their agent on XX/XX/XXXX advising that I could pay when I did. 

They refused to remove the late off of my XX/XX/XXXXcredit file, which dropped my score from XXXX to XXXX. I am in process of purchasing a home, and this will drop me to tier 2 credit. 

I need some assistance here, as the business practices of GM are both unfair and deceptive. 

Thank you in advance for your assistance. 

XXXX XXXX
Product: Mortgage

Mortgage XXXXayment was remitted by XXXX XXXX XX/XX/year>, payment was not processed by mortgage servicer until several days later because of the XX/XX/year> holiday. Mortgage payment was refunded though XXXX XXXX because mortgage was referred for foreclosure. XXXX from XXXX XXXX XX/XX/year> mortgage was referred for foreclosure. Payment was remitted by XXXX XXXX XX/XX/year>. Banks mortgage servicer were closed for the federal holidays. Also letter states mortgage was due for XX/XX/year> that is incorrect payment was remitted XX/XX/year> that mortgage payment was for XX/XX/year>. Mortgage payments were in the time frame not to be referred to foreclosure. I am being penalized because of individuals within servicer employment not servicing mortgage payments applying them to the account. I have read our government compensates mortgage servicer for providing mortgage assistance. I am being treated unfairly, requesting my account be updated. Spoke with customer service with servicer verified payments received, this is the XXXX time servicer has not applied payment to my mortgage attempting to make mortgage go in default. See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity fraud, I am XXXX  and XXXX. I have tried many times to all credit bureaus to have the incorrect information removed and they refuse or delete and add again. This complaint is against Transunion, XXXX, and XXXX for violating my consumer rights during the covid 19 pandemic causing financial difficulties.
Product: Credit reporting or other personal consumer reports

I have formally requested Experian to conduct a thorough investigation into the account they've included in my credit report. Despite making this request on at least three occasions, Experian consistently responds by asserting, " Account meets FDCPA requirements. '' However, they neglect to carry out a genuine investigation, as evidenced by the fact that if such an investigation were truly conducted, the account in question would be expunged. I have evidence to support my claim!
Product: Credit reporting or other personal consumer reports

I formally request for the removal of fraudulent items from my credit report, which are inaccurately reflecting my credit history due to identity theft. I have thoroughly reviewed my credit report from your agency and have identified instances of fraudulent reporting that I believe require immediate attention and rectification. I have outlined the details of the fraudulent items along with an explanation of the situation : I did not open or authorize the items listed above. It has come to my attention that I have been a victim of identity theft, and the reported fraudulent items are a result of this criminal activity. I have taken immediate steps to address this situation, including filing a police report and notifying the relevant authorities.I request your urgent assistance in investigating and rectifying this fraudulent activity on my credit report, in accordance with the Fair Credit Reporting Act. I kindly request the removal of the fraudulent items associated with the mentioned items, as it is negatively affecting my credit history and financial well-being. Kindly help me remove the following items immediately : XXXX XXXX XXXX Balance : {$0.00} ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$270.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXX/XX/XXXX ; XX/XX/XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX, XXXX XXXX ; XX/XX/XXXX XX/XX/XXXXXXXX Balance : {$270.00} ; XX/XX/XXXXXXXX XXXX Balance : {$0.00} ; XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ;XX/XX/XXXXL XX/XX/XXXX ; XXXX XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX.
Product: Bank account or service

Recently i deposited my employer 's pay check through mobile online banking application to my Bank of America checking account on XXXX, but the bank put it in hold my available funds until XXXX at XXXX. My employer use XXXX for his pay checks. I have had my BoA account for 10 months without any overdraft
Product: Credit card or prepaid card

I have reward credit card from Bank of America where I pay {$20.00} a month. I was going through financial hardship but I'm in a better situation now and I was able to pay the entire balance.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$0.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to .... promptly delete all information which cannnot be verified. that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit card or prepaid card

a single fraudulent transaction occurred on my Citibank Mastercard by the unauthorized use of the account information. No card was lost and all cards are in my possession. Citibank has placed a hold on my account and is restricted the use of the card. They wanted to issue a new card which I declined. They have said I must call and authorize each individual use of the card every time I want to use it. 
This is a violation of the Fair Credit Billing Act - Chapter 4, Section 161 ( d ) which states " a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error ''.
Product: Debt collection

My Identity was stolen back in XX/XX/2012. I made out a Police Report with my cities Police XXXX XXXX XXXX. I also made the steps to put my credit on lock down for a few months. I went through all the steps I was suppose to ... I even sent a copy of the police report to the XXXX itself XXXX times ( I do n't live in XXXX nor have I ever ).
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy. 15 USC 1681, section 604 ( a ), section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 ( b ), a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. 
I am writing to file a formal complaint against XXXX XXXX for improper use of my consumer report and continued reporting of an account that was allegedly included in a bankruptcy in XXXX. I have contacted XXXX XXXX, expressing my desire to opt out of any use or sharing of my nonpublic personal information, and despite my efforts, the issue persists. 

XXXX XXXX has improperly used my consumer report in violation of my rights. Despite my clear indication to opt out of any use or sharing of my nonpublic personal information, XXXX XXXX has continued to access my consumer report without authorization. An account that was allegedly included in a bankruptcy in XXXX is still being reported by XXXX XXXX. This reporting is inaccurate and has a detrimental impact on my credit history. 

I have previously contacted XXXX XXXX XXXX XX/XX/XXXX by telephone and by notorized formal written request, to address these issues and have opted out of any use or sharing of my nonpublic personal information. Despite my efforts, the problems persist, and I have not received a satisfactory resolution from XXXX XXXX. 

I request that the Consumer Financial Protection Bureau investigate the improper use of my consumer report by XXXX XXXX and their continued reporting of an account supposedly included in a bankruptcy. 
I request that XXXX XXXX be required to promptly remove any nonpublic personal information they have inappropriately accessed or used. 
I request compensation to the maximum extent allowed by law for the inaccuracies in reporting, the improper use of my consumer report, and any resulting harm to my financial standing.
Product: Mortgage

On XXXX XXXX, 2020 I called my insurance company to file a roof damage claim from a storm that occurred in our area. This was a three way phone call with myself, the insurance company and a roofing contractor. Approximately 12 hours later i received a call from my supposed insurance company stating that my policy was cancelled in XXXX 2020 due to non-payment. I was also informed by them that they had contacted my mortgage company ( Freedom Mortgage ) informing them that if payment was not made my policy would be cancelled. 

Upons multiple conversations with Freedom Mortgage, they told me on several occasions that i do have current insurance, however XXXX XXXX insists that i do not. 

I have tried multiple times to contact Freedom Mortgage about their failure to pay my insurance premium with no reason or return phone call. We have been without insurance for 5 months, and had i not filed a damage claim i would have never known. Freedom Mortgage refuses to return any of my calls, thus due to their failure to assure that insurance was paid for from our escrow account,, they are responsible for this lapse of coverage,
Product: Credit reporting

In XXXX of 2016 My wife and I went to a car dealership to test drive a XXXX XXXX pick up truck. After driving the truck we went into see if we could get financing. We looked for financing through the dealership. They pulled XXXX hard inquires on our credit. We were told that it would n't hurt our credit and that there would only be XXXX hard inquire. They also pulled credit on my wife as well. Now all of those inquires are showing up on her credit too.
Product: Credit reporting or other personal consumer reports

I checked my credit report an found this account on it that's not mine, I then called the mortgage company to get proof and provided none. 

Account # XXXX High Balance {$63000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$49000.00} Closed Date -- Account Rating Open Account Description Joint Dispute Status Account not disputed Creditor Type Mortgage Companies - Finance Account Status Open Payment Status Current Creditor XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor -- Payment Amount {$490.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type
Product: Consumer Loan

I took out a loan with Synchrony Financial/ Care Credit XXXX It was to have 0 % interest for the entire life of the loan. They continue to add " new Purchases '' that I have not made. but they claim I owe They continue to raise the rate from 0 % to 26.99 %. I have paid approx. {$3000.00} on the original {$7200.00} but claim I owe {$7600.00}. The 0 percent rate was for the promotional period and the promotional period stated until paid off. I would not have accepted this loan if I knew the interest was above 26 %. I live on social security and their payment and my HUD subsidized rent exceed my entire income. My income has not changed since I got this loan except for this years social security XXXX. Although I have asked several times, they will not send me information on what they payments they have received and how much I owe. They say they have no options. I have been sent transaction summaries showing draws for XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. XXXX enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting

I have filed several requests with Experian to have them delete Liens which have been withdrawn by the IRS. I have also sent in reporting documentation, including Identification, Insurance Bill, Drivers License and Social Security Card and receiving no assistance from Experian with having incorrect information removed from my credit file. I have also requested a copy of my credit report and attempted to dispute online and each time I attempted to upload the supporting documents based on the report number sent to me recently from Experian - XXXX, I am kicked out of the system an not allowed to go further. I believe this is a discriminatory tactic in attempting to keep derogatory information on my credit file. They are very deceptive in their practices in their attempt to keep consumers laden down with obsolete or erroneous information on their credit file to prevent them from moving forward in life to obtain credit. We are in the process of trying to purchase a home and need to have these liens deleted from my credit report and other obsolete information they are reporting which has been over 7 years still on my file. They have extended their statutory limits which is an attempt to keep people bound. Please help me to resolve my credit reporting issues with Experian.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXXXXXX XXXX XXXX XXXX, DEPT OF EDXXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Mortgage

This compliant is being filed on behalf of the lender against the servicing company Mills Escrow Company in XXXX XXXX Texas. 

We have several notes being serviced at Mills Escrow Company. 

XXXX XXXX XXXX sold a note to XXXX XXXX and we notified Mills Escrow on XX/XX/2018 that the note had been sold and they already have existing accounts for XXXX XXXX so that he was going to continue having them serviced at Mills Escrow Company. 

I sent several other emails in XX/XX/XXXX and XX/XX/XXXX and as of yet they have not transferred the account continue to to send us payment when we are no longer the lender and first payment was posted in correctly making the principal balance not correct per the amortization schedule. 

We have filed a complaint on two other issues with the with the Department of Savings and Mortgage Lending but were told that they could not handle our issue we would have to file a complaint with your agency.
Product: Credit reporting or other personal consumer reports

Hello TransUnion. According to 15 USC 1681 I have the right to privacy and I did not give Transunion permission to share any information to these accounts. Please see attachment. Therefore, I've been disputing and requesting documentation of your investigations from such accounts for over a year. I have not received any proof of ownership of alleged debt ; only a copy of my credit report. This will not suffice. I am requesting all communications/transcripts to and from these accounts conducted by your company. Please provide the ORIGINAL PURCHASE AGREEMENT 'S with all signatures and forward such documentation to my address on file. My credit report is inaccurate and has caused harm. I am requesting that TransUnion delete the accounts from XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX.