23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act 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 states a consumer reporting agency can not furnish a account without my written instructions 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 report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and viol
ations
Product: Credit reporting or other personal consumer reports

On XX/XX/2022 someone used my information to apply for a credit card with XXXX XXXX and XXXX. I disputed that inquiry through XXXX XXXX To this day it is still showing on my Equifax report, which of course has a lower score than it should due to this. I have never applied for nor had any interest in a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted to access my free annual credit reports from XXXX because it promotes itself as the company selected by the federal government to assist people in obtaining their credit reports. 

Long story short the website did access the credit reporting agencies for me but in the middle of me trying to view my credit reports its link timed out and I was not unable to view 2 of the 3 credit reports and unable to download 2 of the 3 credit reports as well. When I tried to access XXXX or XXXX Credit Reporting Agencies after being timed out I was unsuccessful and equally unsuccessful getting any type of assistance from XXXX. 

This is completely unacceptable behavior by XXXX and the company needs to be replaced and soon too by a competent merchant which knows the importance of good customer service because this company and that is quite evident by the fact that it has no phone number available for customers. I have sent this company numerous emails since it shafted me and they have all been ignored. I haven't received a response from the company and don't expect to because it's remiss in its duties to its customers. 

XXXX needs to be replaced by a competent company because it's very obvious this company does not care about it's customers and is profiting from its relationship with the federal government and little more. Poor customer service is this company 's trademark and it needs to be replaced immediately at least terminated from any type of official relationship with the federal government as it pertains to free credit reports and the like.
Product: Debt collection

In XX/XX/XXXX, I received a phone call of a debt collection of a medical incident that occurred XX/XX/XXXX from a debt company Phoenix Financial. I agreed to pay a payment plan to complete the balance that was owed {$270.00} which was fully paid in XX/XX/XXXX. They stated that the debt will be removed from my credit report. Fast forward to XX/XX/XXXX another debt collection which was not Phoenix Financial called to collect debt from the same medicinal incident that I paid in XX/XX/XXXX. I reached out to Phoenix Financial on Monday XX/XX/XXXX to get a letter or email of proof of payment. A women on the phone stated that the email will be sent next business day. I waited and never received an email. I called back Thursday and spoke with a gentleman to see the status of my email confirmation. He stated that the XXXX on Monday never submitted a request for confirmation proof and he will have a supervisor send me one first thing Friday morning. It is now Friday evening and I still havent received any confirmation of payment of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

PayPal closed and limited my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for, no called support, auto replied. 
not telling problems just getting some auto reply. 
we use our paypal for selling in XXXX  only getting sales from XXXX and maid XXXXXXXX  payments. and when am get large sales like almost {$8000.00} they limited account and hold for 180 days even almost orders delivered. we added tracking no for that even they are not releasing available balance. 
there is no open cases and disputes no open chargeback still they done this no reason given. we get almsot XXXX sales via XXXX this month and they freeze due to this we are not able to complete pending order to I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX '' Am provided all orders data which am get from XXXX
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and noticed over XXXX inquiries that I did not authorize on my consumer report.
Product: Mortgage

I would like to create an official complaint regarding my escrow analysis and therefore monthly payments. My Escrow analysis was incorrectly calculated back around XXXX. My Homeowner 's insurance and flood insurance were calculated as two separate policies, both for the same premium amount of {$4300.00}. However, the flood insurance is a combined policy with the homeowner 's insurance, and therefore, there should only be one premium payment of {$4300.00}, not two payments. I have called regarding this error since XXXX, about 8 different times, and have been told multiple times that the escrow analysis will be reevaluated and corrected. I have spoken to multiple departments, and have been told not to worry, that it will be corrected in a few days. I even spoke to the insurance department for 2 hours, where the representative called my insurance company and confirmed the combined flood and homeowner 's policy. The representative assured me the correction would finally be made, that she would send out the documents to the escrow department and they would correct it in a few days. This was one month ago. And every time I call I am told the issue will be escalated, but that does absolutely nothing. My monthly payments are about {$400.00} higher than they should be, and I will now create an official complaint at the Better Business Bureau and whatever other channel I can find. I do not have the option to change mortgage servicer, and this is absolutely ridiculous. Please fix my escrow analysis and adjust my monthly payments accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

VA loan with XXXX in XXXX. Loan was sold three times in two years Homebridge to Company X, back to Homebridge. Homebridge now has two accounts on my credit showing past due 60 days because they sucked at keeping up with when they sold my loan. Sold house in XXXX, paid in full and was never late. I have called, faxed and snail mailed Homebridge with no response. Calls after waiting on hold hours, end with promises of a call back by " credit department '', never happens. All disputes come back with " verified information ''. Now they have just put a current late XX/XX/XXXX on a loan that was closed and paid in full back in XXXX.
Product: Checking or savings account

I closed my checkings and savings account with bank of america in XXXX  because in XX/XX/2021 this company let money got out to people that was not normal for me after years of being with them, I had never made any of this types of transactions. They even sent them XXXX. I made call after call. they had me hold for hours this went on for months. I was finally told that the money would be returned this was a lie. So when I went to one of the branchs to pay bills there was no money. There is footage of a couple of associates holding on the phone for over an hour with me, they just let us hold. This Bank has been reporting negative on my credit for a prepaid card that I would never open. One of Bank of America customer service said that people like me ( XXXX ) at this point I hung up this is when I closed my account.
Product: Money transfer, virtual currency, or money service

Good evening, My name is XXXX, and I was scammed on Paypal by XXXX XXXX ( XXXX ) & XXXX XXXX ( XXXX ). It was services that they didn't complete and didn't give me back a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan with XXXX XXXX on XX/XX/19. I paid the loan off on XX/XX/19. Trans Union and XXXX both have that I still owe $XXXX. I contacted XXXX XXXX and they told me that they reported it paid off on XX/XX/19. It was last updated on my report on XX/XX/2019.  I spoke to a rep at Trans Union and they said that the amount they have is correct.  They attachment shows it is not correct and neither credit bureau have updated the account since XX/XX/2019.
Product: Debt collection

I had a credit card for XXXX XXXXXXXX XXXX . In XX/XX/XXXX I was contacted by XXXX XXXX XXXX and I sent them a payment and settled the debt. I received a paid in full letter. Since then, I have received 4 more additional contacts from creditors regarding XXXX XXXXXXXX XXXX XXXX Today, XX/XX/XXXX I was served by a sheriff with a complaint. I have contacted the offices of Patenaude & Felix and spoke to an XXXX to notify them that I paid my debt and provided a letter. I gave a copy of the letter to the other 3 collection agencies and they said that they would see that this matter is settled. I had only ( 1 ) account. Please see my credit report dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Credit report for XX/XX/XXXX shows all the debts I had including XXXX XXXX XXXX  XXXX I was able to secure a personal loan to pay off all my debts. As you can see in XX/XX/XXXX no other collection was reported ; XX/XX/XXXX no collection was reported. And I just recently applied for a home mortgage and received my loan and there was no notification regarding this debt. I have included the email communication with Patenaude & Felix.
Product: Credit card

XX/XX/23 Received a inquiry on my credit report from JPMCB Card services. I did not request or start an application for any line of credit through Chase. I called Chase to speak to a representative to confirm the inquiry and open/pending application that I in fact did not submit. I could not get a live person on the phone as suggested by XXXX. I also have frozen my credit accounts as suggested by XXXX as well. They started a dispute but it's remaining and this is unacceptable. I did not request a credit card with Chase nor start an application with Chase. I have file with XXXX  as I seen this is not the first time someone has had very similar situations. I did call Chase to " check the status of a pending application '' which required to enter my SS # and in which I did and it could not find anything. However this is very important and I'm requesting this to be resolved by removing this HARD inquiry on my credit report that was not caused by myself.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX. Your company is in clear violation of the law. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I am asking that these late payments be removed from my credit report in response to this communication.
Product: Mortgage

I hope you can help me. We live in XXXX Californa. We bought our house 3 years ago. We are retired  and have been a home owner for 52 years. This has never happened to us before and I want to know if it is right. We financed through XXXX XXXX. The first year it was fine and then they sold our loan to Ditech. Our payments were XXXX. We were notified that there was a shortage in our escrow fund and we either had to pay a lump sum of XXXX or our house payment was going up 100 dollars. We let it go up. So now our house payment is XXXX and this year we were contacted again and told that there was still an escrow shortage and we either had to pay XXXX or house payment was going up again 100 dollars. I dont think this is right. We have never had this happen before. 
Last year my sister bought a house here in XXXX and the same thing has happened to her. They just contacted her and told her she either had to pay XXXX or her payment was going up 300 a month. Can we have someone investigate this and see if they are cheating us. We are all retired and living on a fixed income. If they payments go up we may not be able to keep our homes. Thank you in advance for anything you are able to do. 
XXXX XXXX and XXXX XXXX
Product: Credit card or prepaid card

My credit card account was suddenly and unexpectedly closed. The company cited my credit score as  the reason why it had closed the account. I've always paid the account on time and did not authorize any credit checks. The company XXXX is located in XXXX XXXX XXXX, Utah and uses the name XXXX XXXX XXXX. This is further part of harassment that I'm being subjugated with while in Arizona.
Product: Credit card

Synchrony Bank Mills fleet farm This account was set for auto payments. It was never taken off auto payments. 
For whatever reason, synchrony Bank removed it from auto payment and never contacted me. 

There were no statements sent and there were no phone calls made. I reached out to synchrony about this and they gave me the runaround and we're supposed to send me after 30 days following my complaint and dispute documentation. They never did. I reached out again and they told me 45 days every time I'd call they tell me it would be another 15 to 30. I actually had my mortgage lender reach out as well to document these calls with us. I reached out over 12 times and they would never let me speak with anyone to go over my account. They kept telling me that they were going to send me a decision via mail. They never did. 
When speaking with them they acknowledged that no one had ever called me letting me know that I had a past due balance. I never received any mail stating I owed a past due balance. They said that it was abnormal to not have received a phone call. 
In addition, they charged off the account in 18 months. And never contacted me about this either. 
I didn't even know anything about this until I went to purchase a home. 
I have paid every single one of my bills on time my entire adult life. My other accounts with synchrony have impeccable payment history. 

I believe that they charged this account off during the covid relief. It is abnormal for an account to get charged off in less than 2 years. Especially without contacting the account holder. I would also like the letter that I was promised in writing 3 years ago stating what they found in their investigation. 

I said I'd be happy to pay them the {$800.00} that they never contacted me about if they would remove it off my credit and they said absolutely not. It was already charged off.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Credit Bureau 's Failure to Conduct Reinvestigation for Account with XXXX XXXX XXXXXXXX Dear XXXX , I am writing to file a formal complaint regarding a critical issue with the reinvestigation process on my credit report as mandated by the regulations outlined in 15 U.S. Code 1666 ( b ) and 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( i ). The credit bureau has failed to remove a late payment from my account with XXXX XXXX XXXXXXXX despite the necessary steps being taken on my part to rectify this incorrect information. 
I recently disputed the presence of a late payment on my Account XXXX XXXX, which has been negatively impacting my credit history. According to the Fair Credit Reporting Act, I have the right to an accurate and fair credit report. After my dispute, the credit bureau was obligated to conduct a reinvestigation into the matter and ensure that any inaccuracies are promptly corrected. 
Despite the statutory obligation, the credit bureau has failed to carry out a proper reinvestigation and correct the inaccurate information on my credit report. This negligence has not only affected my credit score but also compromised my financial well-being. 
I request the Consumer Financial Protection Bureau to investigate this matter urgently and ensure that the credit bureau complies with the regulations stipulated under the law. I am seeking prompt action to rectify this error and restore the accuracy of my credit report. 
Attached to this letter are supporting documents relevant to my case, including copies of correspondence with the credit bureau and XXXX XXXX XXXXXXXX. I appreciate your attention to this matter and look forward to a swift resolution. 
Thank you for your prompt assistance in this regard. 
Sincerely, XXXX XXXX XXXX
Product: Credit card

Date of disputed transaction XX/XX/XXXX ( this was credited already on XX/XX/XXXX ) XX/XX/XXXX ( no credit given as of XX/XX/XXXX ) XX/XX/XXXX ( no credit given as of XX/XX/XXXX ) Amount XX/XX/XXXX {$79.00} ( credited ) XX/XX/XXXX {$79.00} XX/XX/XXXX {$79.00} Merchant XXXX Inquired with XXXX on XX/XX/XXXX about obtaining a prescription for XXXX. XXXX charged me for the service but was unable to fulfil the request as they are not allowed to ship XXXX  XXXX  to my state. The customer service rep on XX/XX/XXXX stated they would cancel my subscription and refund me the charge for XX/XX/XXXX. 

They did NOT do this, and then continued to charge me on XX/XX/XXXX and XX/XX/XXXX
Product: Mortgage

I was furloughed from my employer during Covid, due to the fact that I could not find child care for my XXXX child, and Im a single  parent. I was unable to make my regular mortgage payments, due to the indefinite loss of income. Literally the day I was able to return to work, my house burned down due to a faulty wire on an electric meter that was installed 2 weeks prior. 

I have been displaced w my daughter, even since. I continued to make my house payments at this time, made an arrangement to have a minimal second mortgage, and then emptied my savings into the mortgage company to bring my loan up to date. 

Paramount residential mortgage, and XXXX, refused to apply my lump sum payments to the mortgage, and then took control over the home that was being repaired w a contractor that I had hired. 

Ever since, Ive continued to make my monthly payments, Prmg still hasnt applied the lump sums, and me and my daughter are still homeless, living in shelters rather than the home I sacrificed my savings for and continue to pay. 

Ive been in contact w them for over a year to rectify this issue, but their main goal is to ultimately to sell my home. 

Now Im broke, still homeless, and have absolutely no where to go. Ive even begged them for my lump sums back, just so me and my daughter can actually go pay for rent somewhere, however they refuse to issue me the payments that they never applied, and they refuse to let me return to my home. In fact, they have been invoicing me for work being done by a non licensed maintenance man that they hired to literally break into the home to change the locks. 

I highly recommend people to stay away from this company.its legitimately evil and will leave you homeless, broke, and devastated.
Product: Credit card or prepaid card

I been a Synchrony bank credit card customer since 2013, when I first obtained a Walmart credit card. From that date forward, I have acquired several other credit cards which I have maintain in good standing and made every single payments on the timely bases. The issue at hand is the fact that several of those credit which are financed by synchrony bank are being locked and in turn I am prompt with messages to contact customer service which I have in order to gain access .Which is a problem since verification and security checks are always done with the phone numbers that are saved on the profile. Furthermore, there is never a need to contact personnel directly nor there is a need to provide their personnel with sensitive information. However, I have experienced such questionable practice with Synchrony bank at least three times on at least two retail credit card account. Now, while the JC penney credit card account was prompt with a number to contact customer service. On the XXXX XXXX  account I was completely block from gaining access at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 - Transunion - reported to creditor XXXX Bank that my XXXX XXXX was XXXX in XX/XX/2022. I received notice from XXXX Bank that as a result of the low score they are closing my account. I called XXXX for an explanation. I was told by the creditor that I must obtain a copy of my credit history from Transunion- for the month of XX/XX/2022. I contacted reporting agency - Transunion and asked why they misinformed creditor of a XXXX score in XX/XX/2022. ( My score was never XXXX in the entire year 2022 ) I requested a copy of my scores from XX/XX/2022. Transunion stated they do not have any records of my credit score from XX/XX/2022. I was upset and informed them - as a result of the poor credit score they reported to XXXX my account was closed. They told me there was nothing they can do. They stated all scores are erased after the day has passed. And they can only provide me with credit scores for today 's date. So now my credit account with XXXX has been closed and my credit score dropped almost 10 points since the account closed.
Product: Credit reporting or other personal consumer reports

Weve received your complaint ( s ).

Well send you updates about your complaint ( s ) along the way, but you can track the status of your complaint ( s ) at any time on your Consumer Portal. 

COMPLAINT ID ( XXXX ) XXXX SUBMITTED ON XXXX XXXX XXXX basically i had the complaint on a previous email and phone that was compromised and I'm writing to you to reply to my new email and phone number once the answers are ready for me to see ..... 
old email that was compromised is XXXX and old number that is compromised is XXXX. 
please do not reply to this above about my complaint on titlemax ..... 

new email is XXXX new number is XXXX thank you and many blessings.