23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had my issue resolved but I do think there is a greater issue here. I called Synchrony and asked them to waive the newly instituted {$1.00} paper statement fee that hit my monthly invoice for the first time. They waived it and I'd have to sign up for paperless to stop it on the future invoice. I don't think I should have had to do anything in the first place. 

I purchased a bed from XXXX XXXXXXXX XXXX who uses Synchrony bank to finance purchases. Mine is a 0 % interest loan which was made 3-4 years ago and will be fully paid on XX/XX/year>. My monthly invoice is {$65.00} and I pay it every monthly with autopay. This new fee was added and it amount to 3 % of my total invoice. I signed papers year ago for this line of credit which is effectively a loan for a bed. Synchrony tries to say you can use this line of credit for other purchases, but lets be real, there are way better cards to make purchases with on every day items. This line of credit will die with the payoff of my bed. This new fee feels like a change in the terms of the loan. It takes a 0 % interest loan with no fees to 3 % fee on my monthly statement unless I want to jump through hops that I didn't have to previously jump through. I recall reading my paperwork that I signed for the bed involving credit and that this type of situation would not occur. I think everyone who is remotely financially savvy knows that if one side of an agreement can change the payment terms of the agreement on the fly when the other side whose only options are to either comply or pay off the remainder of the loan immediately, that it would be a stupid deal. This is predatory. If my agreement had this fee from the start and it was disclosed at the start that this fee was happening, that'd be one thing. But this is not that situation.
Product: Payday loan, title loan, or personal loan

I was recently disapproved for SCRA benefits under the key provision state of Ohio. My state of residence can be verified on my LES which is attached.

This is wrong. The law explicitly states that Ohio extends the 6 % interest cap on all debts and that a person or entity who knowingly charges a service member interest above 6 % in violation of the act shall be fined under 18 U.S.C. 3571, imprisoned for not more than one year, or both.

I contacted my attorney general for the state of Ohio as this is my home of record and the state that I am legally covered under concerning all laws relating to SCRA. SST returned a denial to the Attorney General as well. That denial is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my Lexis Noxis Risk Solutions credit report through a recent request to your company. There was a U. S. Bankruptcy Court account number ( XXXX ) items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : -If a credit reporting agency can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 
The Bankruptcy Court has mailed me a letter which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the U.S. Court system due la the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the U. S. Bankruptcy Courts confirmed Lexis Nexis has never validated or verified this public record entry on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumar, and in most tases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immedialely. 

The Lexis Nexis credit report agancy needs to provide me with copies of all documentation associated with the Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, alf the information listed under " Public Records '' needs to be immediately deleted from the credit file you maintain under my name and social security number. 
Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( XXXX ). 

Per the Faderal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to varify - Through physical verification of the original signed consumer contract and/or judgment ( s ) -all accounts and public information that you post on anyone 's credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau. 

I have attached the letter I sent to the courthouse and their response as evidence stating " They do not report any bankruptcies to anybody. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it shows that I have a derogatory mark for non payment of a loan with a company named Speedy Cash that was opened on XX/XX/2019. I have disputed this issue with XXXX  as well as the company itself. This company is not licensed in the state of Illinois or the state of Indiana where I used to reside, I could not have obtained a loan from this company. This is negatively affecting my credit and I am trying to get it removed from my credit report.
Product: Credit card or prepaid card

I needed my bathroom fixed up so i asked for an estimate from XXXX XXXX XXXX XXXX XXXX and they came to my home gave me an estimate and i agreed to it. The person i dealt with was XXXX XXXX he told me they needed adeposit to hold the great discounted deal they were giving me. I gave him a deposit to hold my deal with the agknowlagement that i did not want the loan to go through until my mortgage refinance that i was trying to get at the time, went through. XXXX agreed he would not put the loan through until I got my mortgage Refinance. that was on XX/XX/2020. I kept having to delay the bathroom install because my refi was taking a long time. Fianlly I cancelled the check i gave XXXX because the refi process was takeing too long and i didnt know when I could get my bathroom done. When i called to cancel the job because of these circumstances they sent another gentleman, XXXX XXXX to my home on XX/XX/2020 because they insisted that they would wait as long as it took to keep my buisness. When XXXX XXXX came here i again gave him a deposit to keep my discounted bathroom deal and again insisted that the loan can not be put through intil my mortgage refinance was completed and XXXX XXXX agreed. The paperwork I signed was to hold my discounted deal and to see if I qaulified for the loan for the bathroom while i waited for my mortgage refi to go through. I was lead to believe this by XXXX XXXX. I now have a XXXX $ line of credit taken out by XXXX XXXX XXXXXX/XX/XXXX in my name for the cost of the bathroom. I did not even get my mortgage Refinance yet and now I have a XXXX $ loan on my credit report ; which has caused my credit to plumett and its making it even more difficult to get my home refinanced. I am currently in a adjustable rate mortgage and its going up.This underhanded manuver could cause me to lose my home. Please can anyone help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity theft accounts not open by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items 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 or extortion. 
Please delete the following items for they are fraudulent and still keeps existing in my file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXXXXXX Balance : {$28000.00} XXXX XXXX XXXX Balance : {$680.00} XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX XXXX Balance XXXX {$790.00} XXXX XXXX  XXXX Balance : {$28000.00}
Product: Vehicle loan or lease

In XX/XX/2023 the balance on my car was {$280.00}. Previously I have been making monthly payments of XXXX. Today I saw {$440.00} had been deducted from my bank account, despite the remaining balance of only {$280.00}. I spoke with XXXX at Toyota Financial ( www.toyotafinancial.com ). She said because I had not cancelled my payment information I would continue to be charged {$440.00} every month, forever, even though I have paid the balance on my car. I had never before been told I needed to cancel my bank account to stop the automatic payments. I assumed the automatic payments would stop when the balance was paid, and that I would not be overcharged.
Product: Mortgage

Pennymac mortgage increased my payments in a letter on XX/XX/2024 from {$1200.00} to {$2300.00} due XX/XX/2024. 

XXXX things happened, First, unbeknownst to me my XXXX XXXX  XXXX XXXX application was incomplete and beginning XX/XX/2024, I began working with the XXXX XXXX XXXX XXXX to correct this issue. It is resolved as of XX/XX/2024 but not yet reflected in my escrow. 

Second, Pennymac paid XXXX insurance companies when I had changed policies. 

XXXX XXXX XXXX XXXX raised my premium from {$920.00} on XX/XX/XXXX, XXXX to {$3100.00} for XX/XX/XXXX, XXXX causing me to obtain a cheaper policy at XXXX. 

Because Pennymac paid both policies, my escrow was at {$0.00} I was told I needed to contact XXXX XXXX XXXX XXXX To recover the overpayment! As I have been trying to do this, I have received an email that XXXX has bought XXXX XXXX XXXX XXXX, but have not responded my request. This was a Pennymac over payment and I dont understand why it is my responsibility to recover the premium? 

I have spent literally hours on the phone and Pennymac message center and email for the last month with Pennymac, the XXXX XXXX XXXX XXXX and the insurance company. 

Additionally, because these issues were in flux, I mailed my old mortgage payment amount and it was received XX/XX/XXXX. However, instead of making my mortgage payment, Pennymac has applied the payment to the reduction of principal! 

Please advise of any action I can take to resolve both the payment amount and application of payment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of : 1. XXXX XXXX XXXX opened on XX/XX/XXXX, under account number XXXX. 

XXXX. A utility account at XXXX XXXX opened on XX/XX/XXXX, under account number XXXX, XXXX. An internet service opened at XXXX  on XX/XX/XXXX, under account XXXX ( {$93.00} ), XXXX. Another internet account also opened at XXXX  on XX/XX/XXXX, under account number XXXX ( {$490.00} ). 

XXXX. A mobile phone account opened at XXXX opened on XX/XX/XXXX, under account number XXXX. ( {$130.00} ) XXXX. A revolving credit account opened at XXXX on XX/XX/XXXX, under account number XXXX, XXXX. An account opened at XXXX XXXX  on XX/XX/XXXX, under account number XXXX, ( XXXX. Another account opened at XXXX XXXX  on XX/XX/XXXX, under account number XXXX. 

XXXX. A personal account opened at XXXX on XX/XX/XXXX under account number XXXX XXXX. A school/University account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX The following account appears twice from XXXX different account numbers, an account opened at XXXX XXXX opened on XX/XX/XXXX, under account number XXXX. It is also shown above as XXXX XXXX XXXX opened on XX/XX/XXXX, under account number XXXX. 

On reviewing my consumer XXXX credit report, I discovered several accounts that I did not authorize or recognize. These accounts have resulted in unauthorized financial activities including several unauthorized financial activities including several hard inquiries and fraudulent collection which has impacted my credit standing. I have no knowledge of these accounts, and they were created without my consent, indicating identity theft and fraud. 

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the XXXX credit reporting agency , block information appearing in my consumer report that is a result of this identity theft and fraud within four business days of your receipt of this complaint. I demand that the fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. copies of my FTC Identity Theft Criminal Complaint numbers # XXXX and XXXX along with a copy of the police report number that I filed at XXXX Police Dept. in XXXX, XXXX  # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I tried to upload a copy of the EXPERIAN credit report which you, EXPERIAN the credit reporting agency maintain but i was unable to attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The Listof accounts below has violated my federally protected rights to privacy and confidentiality und 15 USC 1681. 

XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX : XXXX XXXX Account # XXXX : XXXX  Account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX XXXX XXXX  Account # XXXX : XXXX XXXX Account # XXXX : XXXX Account # XXXX : XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  account # XXXX : XXXX XXXX XXXX Account # XXXX : XXXX 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 state a consumer reporting agency can not furnish an 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 items of information other than records of convictions or crimes wich 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: Prepaid card

My Prepaid Center emailed me an activation code for the Prepaid Mastercard I purchased ( {$200.00} ). However, for the past hour I receive the following message : Oops. There's an error on our side. Please try again soon. 

I looked this up online and XXXX is filled with complaints about similar issues with this company. Many indicating the issue never gets resolved.
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 : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX 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

Subject : Request for Deletion of Late Payments and Correction of Reported Balance - Account Number XXXX Dear Consumer Financial Protection Bureau, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to bring to your attention discrepancies related to my XXXX XXXX account with the account number XXXX. The occurrences in question occurred in XX/XX/XXXX and XX/XX/XXXX, impacting all three major credit profiles- XXXX, XXXX, and TransUnion. 

In adherence to pertinent federal laws and regulations, I am seeking the removal of late payments and correction of reported balance based on the following provisions : 15 U.S. Code 1681a - Definitions : This section emphasizes the importance of accurate and fair information reporting to credit bureaus. 

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Outlining permissible purposes for accessing consumer reports, stressing the necessity of accurate and up-to-date information. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) : This Act ensures the proper handling of personal information by federal agencies, promoting transparency and fairness in data usage. 

15 USC 6802 ( b ) ( c ) - Protection of Nonpublic Personal Information : Establishing safeguards for the protection of nonpublic personal information, underscoring the significance of privacy and security in financial transactions. 

12 CFR 1016.7 - Accuracy of Information Furnished to Consumer Reporting Agencies : This regulation sets forth requirements for the accuracy and integrity of information provided to consumer reporting agencies. 

15 U.S. Code 1666b - Timing of Payments : This section highlights the timing of payments, reinforcing the need for accurate reporting in relation to payment schedules. 

Furthermore, I have identified a balance inaccuracy being reported as {$19000.00}, whereas the correct balance of this account is {$18000.00}. I kindly request that this discrepancy be rectified promptly to ensure the accuracy of my credit information. 

Enclosed with this letter, you will find supporting documentation, including proof of timely payments during the specified months and evidence of the correct account balance. I appreciate your thorough investigation into these matters and request that you keep me informed of the outcomes. 

Thank you for your attention and assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were just posted to my credit report. I contacted GM Financial for a auto loan and the XXXX dealer took my information from that credit report and submitted a deal to like 30 banks. These inquiries I did not authorize. 

XXXX Inquires Inquiry details XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance XXXX XXXXXXXXXXXX XXXX Inquiry from XX/XX/2018 XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank These are the XXXX   Inquiries Inquiry details XXXX  XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Auto XXXX XXXX XXXX XXXX Inquiry from XX/XX/2018 All Banks
Product: Consumer Loan

my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.
Product: Credit reporting or other personal consumer reports

I notified the credit bureaus that I am a victim of identity theft XXXX XXXX account showing is not my account, I had nothing to do with it and I did not open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

For the past two years or so I've repeatedly been called by people about owing money, they usually say I need to call back or that direct action will be taken or I need to call and review my account or they will take some kind of action against me. I dont respond to their voice mails and the times I've answered I hang up when I find out what they are about. They've called from multiple phone numbers. 

I recently received a letter ( by mail ) that provided a name, address and phone number for the company that is behind this. 

This letter is from Assett Recovery Associates, XXXX XXXX XXXX, XXXX XXXX, IL. XXXX. 

It claims I owe them {$12000.00}. It says I have until XX/XX/XXXX to respond ( the same day i received the letter ) or else they will be forced to take whatever action is necessary and that my credit history will be reviewed. It ends by stating " we believe you have an important decision to make at this time. '' I talked with a lawyer who said under no circumstances should I write or call them and I need to file a complaint because the debt they are claiming is out of date by over 20 years and they are threatening my credit.