23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The credit cards of TJX reward Master Cards, its mother bank Synchrony, and PayPal related to Synchrony, and I have issues from the beginning of this year, XXXX. Recently, I received a credit card which I never asked from this TJX Reward Master Cards/Synchrony. Therefore, I cut it and reported to the several organizations with picture. The cut card is kept at hand as my reward for my future reference to remind what happened from XXXX to XXXX so far. The PayPal lost the transaction record before the end of XXXX of XXXX. I am waiting the copy of transaction history from the customer service via email which should be sent until the end of today, XX/XX/XXXX. All of these three companies related to the issue of refund check on my missing amount. I am waiting the explanation while the credit card was cut. Today, I received the email from Synchrony which asked me to log in. The web account of TJX reward card was hacked or mismanaged by the company ; therefore, there is no content at all to check. I do not have the account with Synchrony ; therefore, I can not understand what account the email is intended. Since I do not have account with Synchrony and TJX reward card account was hacked and disappeared, I considered the email was scam which was sent to harass me by somebody who created these emails Synchrony Bank www.synchronybank.com Visit site RE : Documents Enclosed XXXX / XXXX XXXX www.synchronybank.com From : XXXX To : XXXX Sat, XX/XX/XXXX at XXXX XXXX Dear Valued Customer, You have a new message waiting for you in the Secure Message Center. 

To view our response : Log in to your account. 
Select Contact Us/My Messages Thank you for using our website. 


ABOUT THIS MESSAGE : This is an auto-generated email. 
PLEASE DO NOT REPLY TO THIS EMAIL. 

To send us a secure message about your account, please visit the Online Message Center.
Product: Mortgage

I applied for a modification with PennyMac and I was told that I do not qualify because my loan is traditional and is not secure by XXXX or XXXX XXXX. Therefore, I hired an attorney and I was still given the run around with an attorney. I went to a XXXX home saving cnovention and PennyMac still gave me the run around : as a result, I called PennyMac and I was told to submitted the modification information therefore I did by fax and through PennyMac 's Attorney and I was told that they did not get all of the information therefore they rejected my modification and now my own is in foreclosure.
Product: Credit reporting or other personal consumer reports

I put my credit on freeze and realize it never was on freeze I was getting alerts asking did I apply with this creditor
Product: Debt collection

I received an email from a guy named XXXX XXXX, that read, We're TrueAccord, a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 
Our information shows : Hello, XXXX XXXX. You have an account with XXXX XXXX XXXX XXXX XXXX ( current creditor of your original XXXX XXXX account ) with an account number ending in XXXX. The address on file for you is XXXX XXXX XXXX XXXX XXXX, TX XXXX. I ask them to stop emailing me and I wanted to dispute this debt of 10 years, ago so, mail a physical letter to my home, as I want to dispute it. Instead I got another email, this time from XXXX XXXX, that read, XXXX XXXX XXXX XXXX XXXX placed this outstanding balance with us for collections Hi XXXX, We want to work with you. You have multiple options to resolve this balance of {$1400.00}. 

I replied to her with the same comments I sent XXXX XXXX and informed her, I would be filing a complaint with CFPB.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account Reporting XXXX Experians XXXX, I am writing to formally dispute the reporting of an account on my credit report that I believe is inaccurate. The account in question is XXXX, XXXX, XXXX, and XXXX... which has been reported as written off. 

While I acknowledge that this account was written off, I did not receive a Form 1099-C, Cancellation of Debt, which would indicate that the debt has been canceled and reported to the IRS. According to IRS guidelines, a 1099-C should be issued for canceled debts. The absence of this form suggests that the debt may not have been officially canceled, or that proper procedures were not followed by the creditor. 

I request that you investigate this matter and verify the accuracy of the reporting for this account. If the reporting creditor is unable to provide documented evidence of the cancellation or a valid 1099-C form, I ask that you remove this account from my credit report. 

I appreciate your prompt attention to this matter and look forward to your response. Please feel free to contact me at [ XXXX or XXXX should you need any further information to assist with this dispute. 

Thank you for your time and assistance. 

Sincerely,
Product: Credit reporting or other personal consumer reports

to formally dispute the inclusion of certain negative accounts on my credit report that I believe are outdated and no longer permissible under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

At the beginning of Third Quarter 2023, I successfully " Discharged '' various Unsecured Credit Card Debt which was drowning my well being for more than several years, while maintaining Every monthly monies due, on time and never below the minimum. 
In lieu of Not desiring to File a Bankruptcy, I eventually found the 501 C.3 known as " XXXX '' of State of Oregon , was accepted as XXXX XXXX XXXX veteran client whose " Federal SSA Payment Solely '' of {$1300.00} Monthly and as Sole Income. 
Of the four credit cards I surrendered to helps is here.org. ALL four companies received formal " Attorney Letters '' long before 2023 ended, specifying what they could do. Of the four, three ignored these legal notifications and continued to carry these debts, with a total below {$8000.00}, as a continuing obligation, when in fact Federal Law was on my side of this equation and in point of fact, there is only a formal line between the mechanism my attorney used, and the calibration of a XXXX  XXXX or XXXX. AS a consequence of these continuing actions, my Credit Scores have fallen an average of XXXX points, when in point of fact " Their '' remedy had already been revealed to them by formal decree. I would request a resetting of my Credit Scores, which as a veteran in Texas, in possession of a VA Loan Voucher, which has been disallowed by these new numbers..
Product: Credit card

XXXX XXXX is Involved in Obstruction Of Justice in XXXX / TRUIST Bank Fraud Federal Regulator in Termination of Two Unathorized TRUIST Visa CREDIT CARD ACCOUNTS on XXXX Credit File In Written Disclosure The Claimant has Criminal Investigations with Case Numbers # XXXX North Carolina Comissioner of Banking Regulatory Office XXXX NC in TRUIST BANK NA XXXX XXXX  XXXX XXXX XXXX XXXX is Victim of Fraud and Identity Theft in TRUIST BANK XXXX XXXX REQUREMENT by XXXX XXXXXXXX XXXX XXXX XXXX XXXX VA
Product: Vehicle loan or lease

I have disputed the info in regards to this car loan an the information about this car an me arivo acceptance is the original holder of loan. balance of XXXX The original balance of XXXX account # XXXX. I was not notified of car being sold or when or the amount car was sold for. As well as inaccurate information an incomplete information on my credit report a violation of 15USC 1681 ( b ) as well as 15USC 1681 ( a ) & ( b ) and 15 USC 1681i ( 5 ) ( a ) ( I ) at this point I BELEAVE they are doing this on purpose!

According to 15 USC1681e ( b ) whom ever a consumer reporting agency prepare a consumer report it shall follow reasonable procedures to maximum possible accuracy of the information about whom the report relates. Also under 15USC6801 AS WELL AS 15USC6802 ( b ) ( c ) I never gave permission to to give this information or release this information to anyone. No one has shown me where I did give my written permission. 
I want this removed off an an all credit reports
Product: Credit card or prepaid card

I have a lowes credit card with a fixed interest balance and several XXXX interest promotions. On XX/XX/2022 I made a payment of {$2600.00} to be allocated to paying off XXXX of the XXXX interest promotions before they expired ( XXXX in XX/XX/2022 and XXXX in XX/XX/2022 ). I was told that it would be allocated by the beginning of XXXX. I checked my statement in XXXX and it had not been completed so I called again. They said it was corrected and to check back at the beginning of XXXX. I checked again and called again because it still had not been completed. I just went through the same thing with them again. With those balances not being paid off as they were suppose to have been done, my minimum payment calculations were not correct. I have always made my payments on time. This is a very unfair practice. If someone is paying off a promo before it ends in order to prevent paying the accrued interest but it takes months for it to go through, that is extremely wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 I got approved for a loan with XXXX. XX/XX/XXXX a payment was supposed to be paid to XXXX but I got an email from SST saying they now own the loan and I must go on their website to set up autopay. I was in the middle of driving cross country because I was XXXX  ( XXXX XXXX ) so I told them when I got settled I would. When I got settled I set it up but there was no XXXX XXXX in my area so my direct deposit was sent to XXXX XXXX XXXX XXXX. I tried to set up payment before then to come out XXXX XXXX but they said if you late you can not do autopay or if payment is returned. Each month I went online to send payment but they still kept saying I was late. I finally talked to a decent Supervisor in XXXX who told me that XX/XX/XXXX I owed for XXXX so I was always behind one month and thats why it was 30 days behind and some auto pay set ups did not come out even though I did it online. She took of XXXX of late payment. XXXX $ for each month which was XXXX. So she told me pay XXXX $ for late fees, XXXX, XXXX and XXXX payment, plus XXXX $ fee for 1 month extension and that would be 6 payments so they could set me up for a 1 month extension so that I would be caught up. Then she would make sure after that starting XX/XX/XXXX my auto pay would remain in effect and I wouldn't have to call again or be harrassed by them. 3 days later they were blowing up my phone saying I was 60 days behind and said they had no recollection of my conversation with supervisor. They then reported to the credut bureau I was 120 days late. So I told them stop harrassing me. Everyday they call over 10 times. XX/XX/XXXX a partial payment came out and I do not know why the full payment did not come out and they still reporting I have not paid.
Product: Debt collection

Received phone call several months ago from a rude representative that argued and refused to let me talk. They gave me several addresses that I never lived at in an attempt to verify the debt. This debt was from a XXXX credit account. I settled the debt with the original creditor shortly before they purchased the debt from XXXX XXXX  I had no account number for their internal records so I emailed their compliance officer in XXXX and provided a copy of my bank statement showing where I paid XXXX  for this account and the settlement account. Not only did they proceed in attempting to collect, they placed this account as a collection on my credit. Numerous disputes with them and the credit bureaus have yielded no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX
Product: Credit card or prepaid card

I submitted a payment through their on line application. I didnt receive a confirmation do I did the transaction again. I still didnt receive a confirmation so I did it a XXXX XXXX time. They on line banking system messed up and Im paying for it by losing interest! I now have a credit of {$10000.00} I tried to do a charge Sunday night and it was declined. I called and spoke to an agent who said it would be returned in 2-5 days. So I called AGAIN today to be told it could take up to XXXX days to get my credit back. Ive been in banking for XXXX  years so I know how electric services work. Im furious over this! I want a complaint filed against unethical practices by Bank of America Credit card!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXX Delete this Inquiry 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of Inquiry : XX/XX/XXXX Delete this Inquiry 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of Inquiry : XX/XX/XXXXXXXX  Delete this Inquiry
Product: Debt collection

Dear CFPB Staff, My name is XXXX XXXX. I am the victim of Identity Theft. My situation has been filed with the FTC and I have been fighting the results of this identity theft for decades and have had this sitation made worse by the actions of companies such as XXXX XXXX and XXXX XXXX XXXX, XXXX. I am writing you for assisting having XXXX XXXX 's anti-consumer behavior and with XXXX XXXX XXXX, XXXX XXXX actions in Florida. Last you I was told by an XXXX Supervisor that the fraudulent account they have on me would finally be removed and that I would receive a call back from their fraud department. This was a blatant lie XXXX XXXX trains their phone representatives to say. Instead of receiving said phone call I instead immediately received more aggressive behavior from their collection company. They are knowingly lying to consumers to throw them off guard before launching a brand new wave of collection attempts to people who have already provided them the documentation they demanded from us to prove we are the victims of identity theft. We provided what they demanded of us and they stated they would be removing the fraudulent account from my name. As for XXXX XXXX XXXX, XXXX, their behavior is not only atrocious but illegal by Florida Law. I had written XXXX XXXX XXXX, XXXX back with copies of the documentation showing the account they were instructed to collect was fraudulent within the 30 Days period they demanded. Later over the phone they would lie about us having provided the response and documentation violating the The Consumer Financial Protection Act. When I proceed to demand their staff provide the contact information XXXX XXXX XXXX, XXXX Registered Agent in Florida to have them served their staff repeatedly refused to provide said information and instead lied to me saying they were informing XXXX XXXX that this account was fraudulent and that we would here back. This did not turn out to be the case. Instead XXXX XXXX XXXX, XXXX violated Florida statute 812.019 ( 1 ) committing a crime by knowingly selling this illegal account containing stolen identity to another unknowing company named TrueAccord. I have attached XXXX XXXX XXXX  ', XXXX, TrueAccord 's, and XXXX XXXX 's contact information with this letter. I ask for your help addressing this matter with XXXX XXXX, XXXX XXXX XXXX, XXXX, and TrueAccord, and with forwarding this information to the government entities relating to reviewing and approving companies like XXXX XXXX XXXX, XXXX 's business license to have it and their actions reviewed to see if they should continue to be allowed doing business in Florida and the legal entity that would be responsible in enforcing Florida statute 812.019 ( 1 ) against XXXX XXXX XXXX, XXXX.
Product: Checking or savings account

I opened a new 360 checking account with Capital One. I attempted to connect my account to XXXX to withdraw some investments I made earlier in the year. Capital One is blocking my ability to do so and are refusing to allow me to connect the account to XXXX. I have a second checking account that they allowed me to connect and two debit cards. I told them that I wanted to withdraw my funds into this account they said they don't allow crypto currency accounts to connect with Capital One. Today 's date is XX/XX/2018. I already have a capital one checking account connected and two capital one debit cards, so if this was true than the other ones would not work. They are refusing to help in this matter. It's my right to have access to my financials by any means I see fit. I pay my taxes. My investments can be tracked as they were all done through capital one. I deposited money into XXXX and have withdrawn into capital one several times. XXXX offers tax documents for the end of year. This is ridiculous that I can not with my money back into capital one where i have done so many times before. I have broken now laws and am being denied access to my financials!
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent account was established by ! st. XXXX personnel agents. A charge of {$1500.00} on a fraudulent account was fraudulently reported as my account. Never was such account when on my account I closed I only had a {$300.00} limit. This was an XXXX account that I NEVER had. This report is hurting my progress in escalating XXXX XXXX  and from such XXXX profiling my credit score has gone from XXXX to XXXX am a XXXX XXXX XXXX XXXX XXXX and this scandalous act is unwarranted. I request an internal investigation and compensation that has clearly erupted my XXXX ... Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 , These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint 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.
Product: Credit card or prepaid card

A few months ago I was running low on funds in my Chase checking acct that is also linked to my Chase amazon rewards card in my online banking. I now live XXXX plus miles each way from that bank and could not get to the bank in XXXX GA to deposit money. I had an offer in my online banking to put money from my credit card into my checking acct. There was a percentage fee for that ... turns out it did not even go in from credit card to checking acct for XXXX or 5 days so it was pointless!!! For the first time last month I got charged interest on the revolving balance portion of the credit card even though I paid it in full ... .I called for a week and kept getting XXXX  support and they did not understand why I was upset. Chase is paying off 0 % loan first and not my revolving balance. I got thru to an offshore person who said I was correct and credited the acct the interest charged. They are doing it again this month... they charged me a fee to transfer the money and they are paying down the % first instead of the revolving balance being paid in full ... so they are also charging me interest. I want my interest charge reimbursed! I called Chase XXXX in NY and they said that is the way it is!!! So I am being charged a transfer fee and interest on the revolving I am paying in full!
Product: Debt collection

We gave the landlord the required notice to break the lease early and also forfeited our security deposit, but an outrageous debt amount of {$8100.00} was posted on our credit report for collections without us ever being contacted about it.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX. 
I recently looked over my credit report because Im trying to purchase a house on my credit report I see some inquiries that are reported that I did not authorize. I also see my name is use a lot in different spelling in different ways. I would just like to get all those things off of my credit a couple things thats on my credit that does not belong to me or that is closed and just need to be off my credit so I could be able to purchase house are, one XXXX and XXXX. Both accounts are closed XXXX XXXX and XXXX both are closed XXXXXXXX XXXX  XXXX this account is closed XXXX XXXXl this account was never authorized by myself it was made in XXXX XXXX, XXXX this account is close XXXX XXXX XXXX XXXX this account was not authorized by myself. 
XXXX XXXX XXXXXXXX also was not authorized by myself. I would like these removed for my credit so I could be able to move forward. Thank you.