23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been paying since XX/XX/2021, on my Synchrony account each month via auto pay. 
I recently checked my credit score & was astounded that the score went down XXXX points. 
When I researched to find answers, I discovered that Synchrony had reported late payments. 
Since auto pay was in place, I tried to talk to President or CEO of Synchrony. I also used XXXX, but have not received acceptable responses. 
I have Auto Pay in place!
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT Upon the reviewing of my consumer report, I noticed that you all were breaking several laws set by congress to ensure that information being furnished by you all are fair and accurate. I am putting you on notice that all Late payments being furnished on my consumer report is illegal. According to 15 USC 1666b. Timing of payments, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 21 days prior to the account being late I was supposed to receive written notice informing me that the account is going to be late. I did not receive any written notice prior. According to 15 USC 1681b. Permissible purposes of consumer reports, the only way any consumer reporting agency ( Experian ) may furnish a consumer report is if it is in accordance with the written instructions of the consumer to whom it relates. I never gave XXXX written instructions to furnish any negative information on my consumer report. By not obtaining my written permission to furnish this negative information you all are committing Identity Theft. You are fraudulently misusing my personal information for financial and/or personal gain. I should also make you aware of 18 USC 1028A-Aggravated Identity Theft, anyone knowingly uses without lawful authority a means of identification of another person shall be sentenced to 2 years of imprisonment and up to 5 years for a Terrorism offense.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep telling Experian that I paid the {$200.00} and experian says it was written off. The original creditor was XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, Iowa XXXX RE : My Experian XX/XX/2021 email ( attached ). 

I need help or please point me in the right direction of who can help me. 

I received the above dated Experian email a second time about my Identity Theft Police Report. Experian states the Police Report has deficiencies because, The report does not reference identity theft, and does not meet the guidelines per the Federal Fair Credit Reporting Act. 

I have twice gone to the XXXX Police Department ( the city where I live ). The detective involved in my case, Detective XXXX XXXX phone number ( XXXX ) XXXX, has also told me twice that Identity Theft is listed as a State of Texas Offense as Statue 32.51 ( c ) ( 1 ) with the Statue Description of FRAUD USE/POSS OF IDENTIFYING INFO. 

Please note that on the first page of the police report it mentions, FRAUD USE/POSS OF IDENTIYFYING INFO. So, someone fraudulently used and was in possession of my identifying information. I hope this means that it is Identity Theft. I will highlight the area. 

On page two of this police report, it describes that this crime took place in cyberspace. I will highlight this area. 

Likewise, on pages three and four of the police report it describes that my information to open the accounts was Stolen. I will highlight these areas, to help. 

Is this enough information on this police report to meet the guidelines established by the federal Fair Trade Credit Report Act? Please let me know, if this wording in the police report, FRAUD USE/POSS OF IDENTIYFYING INFO is not enough to meet the requirements that the police report, does not refence identity theft. I hope it does.

If it does, please somehow let Experian know that the wording, FRAUD USE/POSS OF IDENTIYFYING INFO, involves Identity Theft. 

Also, I have tried unsuccessfully to dispute the following Experian reported fraudulent accounts that were opened without my consent or knowledge : 1. XXXX XXXX XXXX Account Number XXXX 2. XXXX XXXX Bank Account Number XXXX Additionally, I am enclosing my filed Identity Theft ( Fraud ) Police Report from the XXXX, Texas Department of Public Safety that describes how my personal information was stolen, accounts/credit cards were opened in my name, and those accounts were fraudulently used. 

I am enclosing my completed XXXX  Identity Theft Victim Assistance Affidavit. Please note the same officer, Detective XXXX XXXX, is the same officer that has signed the Affidavit. 

When you can, please ask Experian  to accept my Police Report and remove the above fraudulent accounts from my Experian  Credit Report. 

You may contact me at ( XXXX ) XXXX, if further information is needed. 

Sincerely, XXXX XXXX XXXX SS : XXXX
Product: Debt collection

I have a student loan that was cosigned by my grandfather. Simm Associates on XXXX XXXX, 2015 apparently was attempting to contact one of us reference this loan. The person representing this company left the following voicemail on my parents phone : '' Hi this message is intended for XXXX XXXX XXXX or XXXX XXXX XXXX. If you are not XXXX XXXX XXXX XXXX XXXX please hang up. This is XXXX calling from Sim Associates. Communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. I need a return phone call back today. My number is XXXX. Refer to file number XXXX. " Someone from Simm Associates had spoken to my grandfather around the XXXX of XXXX. Apparently the company did not like the information my grandfather gave them so they continue to call looking for me. 

My complaint is does n't the voice mail violate the FDCP Act? It is my understanding that according to the act they can communicate with a third party by advising who they are and obtain location information. It is also my understanding they ca n't advise they are a debt collector and that I owe a debt.
Product: Debt collection

Wells Fargo Card Services is continuing to illegally report on my consumer report after the 7 year cut off past the date of first delinquency. The account first went into default in XXXX of XXXX and has not been current since then. No payment was made to bring the account current since XXXX and the account should have been removed in XXXX of XXXX. The FCRA states that an account that is delinquent can appear on your consumer report for 7 years after the date of first delinquency, not the date that the account was charged off. 
Wells Fargo also never sent me any disclosures regarding my right to dispute the debts or charges or credit reporting that was inaccurate which is a violation of 15 USC 1666. Those disclosures are required by both state and federal law. 
The reporting of this seriously delinquent account has affected my credit in such a negative way that I have not been able to qualify for credit cards, loans, or cars. This is affecting my life to the point where I can no longer support myself or my business or most importantly my family.
Product: Payday loan, title loan, personal loan, or advance loan

I checked my DailyPay account yesterday XX/XX/year> which had the amount of {$370.00}. Today XX/XX/year> the amount is much lower and when I spoke to a customer service representative they first hung up in my face when asked about the amount. Then I called back and spoke to a different representative XXXX who sent me a email that stated when I should receive my money. Which is today XXXX explained it will by the end of the day I should be receiving the payment from my check advanced I have yet to receive that payment. Also, I was never notified that money that I earned will be removed from my daily pay account
Product: Debt collection

Commercial Acceptance Company failed to comply with outcome investigation. Collection Agency stated if payment arrangements were set-up, file will not be placed on credit report. XXXX XXXX ( XXXX ext XXXX XXXX indicated call was never received and on vacation. Voicemail never prompt stating she was on vacation. This allowed unsuccessful attempts to reach XXXX. Requested a payment plan and once paid, account be expunged off credit report. XXXX abruptly stated, payment must be satisfied in one lump sum in order for expungement. Company failed to comply with FCRA along with results of last complaint to Consumer Federal Protection Bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially, and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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

This company which I hold no contract with nor have I received services from reported a collection account against my SSN in the amount of {$930.00} with XXXX, XXXX and XXXX credit agencies. I requested verification of the debt and account however the business failed to provide adequate proof that I owe TSI. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt to TSI
Product: Debt collection

A report of a auto sent through XXXX XXXX is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a XXXX XXXX showing 90 days late which is incorrect. This account was paid in full and on time. This XXXX  account is only being reported by experian and needs to be removed immediately Im being penalized twice for the same issue.
Product: Credit card

I made XXXX large purchases on my Lowes credit card/Synchrony one on XX/XX/XXXX for {$14000.00} and one on XX/XX/XXXX for {$6700.00}. I made a payment on XX/XX/XXXX in the amount of {$22000.00} but was charged {$360.00} in interest. I was told that I should have received a noticed that they are changing the billing cycle. I did not receive this notice they supposably sent out. I have my card set up for automatic payment, but they claim it doesn't matter. I am unjustly being assessed interest on less than a 30 day period based on their proposed billing cycles. This is a predatory lending practice without prior notification. I tried to get the interest removed with no results, so I closed the card. I have excellent credit and pay my bills timely, but this is an unfair practice that needs to be addressed. I will pay the interest so my credit isn't affected but I would ask for your help to stop this ridiculous practice by Synchrony and Lowes.
Product: Credit card

I believe the account is invalid. USAA SVG BK needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. USAA SVG BK XXXX
Product: Mortgage

On XX/XX/2022 I called XXXXXXXX XXXX after receiving a delinquent notice in the mail which included {$240.00} in late fees. The customer service representative indicated the late fees incurred were from mortgage payments received in XXXX, XXXX and after reviewing my statement possibly XXXX and XXXX due to the date falling on a weekend or maybe their online system doesn't take into account Pacific Time Zone? I informed the representative that I have a FHA loan which allows me to pay my mortgage up through the XXXX without incurring late fees and when paying my mortgage online on the XXXX of each month the website states that the effective date is the date the mortgage is paid because it can take the bank up to XXXX business days before the payment is posted. I also pointed out that on XX/XX/XXXX, I paid my mortgage online utilizing the bank 's XXXX party vendor option which cost an add'l {$9.00} fee to make sure the payment was processed on time. The representative informed me that I had to submit a dispute in writing to XXXX. I submitted a complaint via email on XX/XX/XXXX, received a notice of receiving the complaint in mid XXXX and still there has been no resolution to date. I have not received anything in writing pertaining to the results of XXXX 's investigation.
Product: Money transfer, virtual currency, or money service

I made a transfer of the sum of XXXX naira ( {$69.00} ) to a friend in XXXX on XX/XX/year> through XXXX. I received a notification within XXXX minutes later that the transfer had been complete. However, the recipient has not received the funds as at the time of writing. I contacted XXXX after 2 days without any proof of funds. They requested that i should provide the recipient 's bank/mobile wallet statement that showed the transaction history immediately after the transaction was sent. I provided the requested document and have tried to contact XXXX several times via both phone and email to resolve this matter but no avail. They claim that they are conducting some investigation but have not even bothered to provide any updates more than XXXX weeks after the transaction.
Product: Credit reporting or other personal consumer reports

I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time payment account XXXX shows high credit of XXXX on experian and XXXX on XXXX, date last active as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX  and payment history as ok on XX/XX/XXXX yet experian shows 150 days late, delete this account for inaccurate. Time payment account XXXX shows high credit of XXXX on experian and XXXXon XXXX, date last active as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX shows ok on XXXX  and XXXX late the next month!!! Delete because inaccurate. Time payment account XXXX shows high credit of XXXX on experian and XXXX on XXXX, date last activity as XX/XX/XXXX on experian and XX/XX/XXXX on XXXX, XX/XX/XXXX shows ok and 120 days late the next month!!! Delete because inaccurate!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my consumer report I received dated ( XX/XX/2023 ) and I have noticed various areas in the way you are furnishing my information. If you havent been made aware, there are various federal laws in place to protect me as a consumer and to construct this business transaction. As a gentle reminder you CAN NOT report/treat a payment on an open ended credit plan as late for any reason. If you need direct citation please refer to 15 USC 1666 ( B ). I also would like to bring forth another law pertinent to this letter ; 15 USC 1681 ( B ) where it states that I as a consumer would need to give you PERMISSION to furnish information on my behalf. To date, I have not granted you or ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) such authority.

Your apparent and constant neglect to properly carry out your job is costing me by ruining my consumer report and causing mental anguish. This letter is an attempt to remedy the following listings you have listed on my consumer report. As I have contacted ( XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX and the corresponding information is not as listed on my consumer report. These accounts should PROMPTLY be updated as ON TIME BY : XXXX, EXPERIAN AND XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX I filed a dispute with XXXX  in regards to a debt with The loan servicer, Navient. In my dispute I argued I've never taken a loan out with Navient, I don't know them and never signed a contract with them for a student loan. 

To this day, the debt still remains on my credit report as deferred because Navient supposedly reported certified information to XXXX   as accurate. Therefore the information was not changed. I'm not sure what certified information they could have used to show the information reported as accurate however I have yet to see any such information. It is clearly false information since I have never heard of, seen or signed any legal documents with Navient. 

The loan amount balances : 1. {$54000.00} 2. {$4000.00} 3. {$2200.00} 4. {$4400.00} 5. XXXX XXXX 6. {$670.00} I have no idea why these loans exist on my credit report, however I would like to resolve this issue as quickly as possible. This is a case of stolen identity.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported XXXX, XXXX, XXXX XXXX, XXXX, XXXX, AND XXXX to be removed. 

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

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

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

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

Delete the late payments from my consumer reports
Product: Mortgage

XX/XX/2020, I refinanced my home mortgage. The loan was sent to : XXXX XXXX XXXX, ( XXXX ), address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CT, XXXX became the servicer of my new loan ( account # : XXXX ) The loan was then sold to Wells Fargo Home Mortgage ( Wells Fargo HM ) ; XXXX XXXX XXXX, XXXX XXXX , IA , XXXX. ( account # XXXX ). 

During the transfer from XXXX to Wells Fargo HM, an additional payment I made towards Escrow, in the amount of {$5100.00} was not applied to my account at Wells Fargo. 
I have contacted XXXX countless times about the problem ( at least 7 ), as well as many long calls to Wells Fargo HM ( at least 5 ) in search of my payment towards my escrow. 
XXXX states that the funds were sent to Wells Fargo HM, however Wells Fargo HM customer care rep keeps sending me back to XXXX for the whereabouts of my missing Escrow Payment? 
I have been searching for this {$5100.00} of my money for over 4 months ( Since XXXX ). Both companies keep pointing the issues at each other, and not one of them will help address the lost money. 
The second issue is I made several additional complete mortgage payments to XXXX prior to the transfer of the mortgage to Wells Fargo HM, however instead of applying those additional payments towards Principal, they were held in an account called " suspense '' and not applied towards the principal, this increased the percentage of the payment applied towards interest accrued, by not reducing the balance on the advanced payment towards the principal. 
I want the CFPB to help me get my {$5100.00} properly applied towards my escrow account at my current servicer, Wells Fargo XXXX, and verify that ALL payments made to XXXX were properly applied to my new account at Wells Fargo Home Mortgage. 

Thank You, XXXX XXXX XXXX FL
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to sign up for a free service with transunion but had multiple problems with the website.  Today (XX/XX/XXXX) saw a charge of XXXX on my credit card with no trial period or anything.  Tried continuous times to log into the website but nothing seems to work and they are refusing to give a refund.