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

I have attempted to make payments multiple times to Synchrony without success. Furthermore, I have been unable to contact a live person when calling multiple times, and each time I call I am disconnected after a long wait period. Additionally, I am unable to make an online payment until after my due date, at which point I am charged a late fee. This appears to be a persistent issue with Synchrony, as evidenced by the numerous complaints from customers online.
Product: Credit card

I have received a collection on my credit report from XXXX. To my surprise, they are reporting this account incorrectly as it is shown as being open as well but also show a balance in the amount of {$210.00}. Please remove this account from my credit report immediately. Please provide me with a copy of my updated credit report with this removed off. Sincerely XXXX XXXX XXXX. I paid this off once before but the physical card i never had in my possession. Purchases were made that were not me.
Product: Credit reporting or other personal consumer reports

My credit score has been severely impacted by multiple fraudulent accounts that have recently appeared on my report without my authorization. These accounts are causing significant damage to my credit standing and creating an inaccurate reflection of my financial history.
Product: Debt collection

LoanPal has repeatedly demanded payment via phone calls, but have been unable to provide any statements outlining the debt owed. 

I have made multiple attempts to get them to stop calling to collect a debt for which they have been unable to provide a statement for, but they have refused.
Product: Credit reporting or other personal consumer reports

I recently disputed an account on my consumer report that came back UPDATED. Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used I am requesting the method a verification that you used for the following account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

For the company to do what is fair and equitable to me as a consumer by deleting the items identified as identity theft from my consumer report
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX, Acct # XXXX XXXX ) XXXX XXXX XXXX XXXX  Acct # XXXX XXXX ) XXXX XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Acct # XXXX has violated my rights. 

15 U.S.C 1681 Section 60A. States that I have the right to privacy. 

15 U.S.C 1681 Section 604 Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C Section 1681c ( a ) ( 5 ) : 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 convictions of crimes which antedates the report by more than seven years.

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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX  Bankruptcy 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 XX/XX/2021 XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXXXXXX XXXX  XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXX/XX/year> I do not recognize this hard inquiry
Product: Checking or savings account

This is regarding CFPB File # XXXX previously filed against XXXX XXXX XXXX XXXX CFPB provided XXXX 's response which is correct. I am now dealing with Bank of America who has not returned the {$250.00} back to my account. I have been calling, faxing, going in person to the local BOA branch and I am getting the runaround and being told - wait 2-3 business days since XX/XX/XXXX. I am attaching the correspondence that I have had with BOA and a copy of the XXXX letter that CFPB forwarded to me.
Product: Debt collection

I have received repeated letters from Resurgent Capital Services, addressed from XXXX XXXX XXXX, XXXX MI XXXX. They claim that I am delinquent on a debt from a XXXX XXXX XXXX credit card for a debt balance of {$1000.00}. I sent them a letter via Certified Mail indicating that I have never had any account ever with XXXX XXXX XXXX. I disputed the debt, it is not mine. 

I received a letter later with an account summary report for the charges from XXXX XXXX XXXX credit card. The account holder 's name is the same as mine, addressed in California. I sent them a letter via certified mail disputing this debt and informing them that the individual on this account is not me. I have a common name. They are contacting the wrong person. They have repeatedly sent me further letters demanding I pay the debt. I have repeatedly sent them letters via Certified Mail informing them they are contacting the wrong person. They have never once asked for verification of identity to make sure they have the correct individual. 

I have never lived in California. I have never had an account with XXXX XXXX XXXX. I want them to stop contacting me. I have pulled my credit report several times and confirmed I have never had an account with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$2700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXXAuto Loan-opened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}
Product: Debt collection

The first statement I received from First Point collection was dated XX/XX/2016. The date of service was XX/XX/2016.Total balance on this account was XXXX and due on XX/XX/2016. This is the first notification I received of an outstanding balance and it was from a collection agency. My insurance processed and paid their part on XX/XX/2016. I sent a {$50.00} payment on XX/XX/2016 with a letter stating that I could not pay the amount in full but that I would send monthly payments. I also explained that I was also paying another bill from them of XXXX. I have always sent my payments directly to XXXX and they have been accepted and processed. I have made regular payments on this account. I received another letter from First Point dated XX/XX/2016 showing a balance of XXXX. I submitted a dispute letter to First Point on XX/XX/2016 requesting the amount of the debt as this balance was not correct. I have not received a response as of today, XX/XX/2016. I know it was received because I sent this certified mail. I have not missed making a payment and yet this has now been placed on my credit report. The balance placed on my credit report also is not the correct outstanding balance. The credit report does not show this as being disputed or as a medical bill. I believe both of these have to be shown on a credit report. When the provider is accepting and processing my payments they should not be able to put this on a credit report. The bill mentioned earlier of XXXX has been paid in full. It appears that they are trying to coerce me into making the full payment by sending me statements from a collection agency from the first statement. I take my credit report very seriously and I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

It should be known that at present time both XXXX and Equifax are reporting or showing hard inquiries on both of my credit reports that I have no knowledge of, involvement in, or have any complicity in. Nor have I authorized any of the companies to pull my reports which has resulted in hard inquiries to be placed on my reports. My vehicle was broke into and my wallet and phone were stolen awhile back and evidently some one of unknown identity tried to apply for credit in my name and all requests were denied. I never applied for any credit, never verbally agreed to have my credit pulled, and have never signed any agreements or authorizations for any company to pull my credit reports. No contracts, authorizations, or agreements exist on file with my signature with XXXX and Equifax or any company that pulled my credit reports. I have disputed the inquiries with both Credit reporting agencies and was denied. I have contacted the companies and to date and time, no assistance has been given. Also, all attempts made to obtain credit in my name was done all on line with out any signed consent from or by me. A claim was filed with the federal trade Commission and now this complaint with the consumer financial protection bureau for assistance and relief. No hard inquiries are showing with XXXX at present time and date. A copy of the identity theft form is herein incorporated in this complaint for review also.
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.

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 inaccurat
e.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. Please remove the late remarks immediately. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$78000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$51000.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$4900.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$2600.00}
Product: Credit card

In continued felony retaliation for my complaining to federal regulators, Best Egg wont let me close my account- even though they berated me and screamed at me as a dirty animal because they falsely alleged I was being insolent to the superior XXXX race ( I never insulted the XXXX  race- as falsely alleged by XXXX bank employees ). Nevertheless, because I have been treated like a subhuman dog because Im a person of XXXX - I want to close my account- and Best Egg wont let me. Best Egg is a XXXX hate group masquerading as a financial services company.
Product: Debt collection

I hope this letter finds you well. I am writing to address a concern regarding the information on my credit report. After a recent review of my credit history, I have observed some inaccuracies that I believe require immediate attention and correction. 

Upon careful examination, I have identified late payments listed on my credit report that are not accurate. I understand the importance of maintaining an accurate credit history, and I am committed to ensuring that the information on my report reflects my financial behaviour accurately. 

I kindly request your assistance in investigating and, if necessary, removing or correcting the following late payments from my credit report : XXXX XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative. XXXX  and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I understand the importance of maintaining a good credit history, and I am committed to resolving any discrepancies promptly. I kindly request that you initiate an investigation into this matter and update my credit report accordingly. I am confident that, upon review, you will find the necessary grounds to remove or correct the inaccuracies. 

Please provide me with a written confirmation of the actions taken to rectify this matter once the investigation is complete. Additionally, I would appreciate your guidance on any further steps I need to take to ensure the accurate representation of my credit history.
Product: Credit reporting or other personal consumer reports

Ive contacted Equifax several times to remove an incorrect address they have on my credit report as if I live there when I dont. Ive sent in bank statements, leases with my current address and everything and they will not delete it. I dont not live at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I need it removed. They keep stalking me and send me bs letters when I need this removed right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires FTC violations fled to the federal trade commission 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  all filed to the ftc XXXX XXXX XXXX XXXX Unauthorized charges successful iconSubmitted  XXXX  XXXX Unauthorized charges successful iconSubmitted XXXX  XXXX   Unauthorized charges successful iconSubmitted Always know what's on your credit report
Product: Vehicle loan or lease

I made my second to last lease payment of {$390.00} with US bank before the XX/XX/2016 due date. I received a call on XX/XX/XXXX that the payment was not received. I explained that I made it online, and they said that the information must have not been entered correctly. The US Bank website is truly awful with no way to even save your banking information, it must be manually entered every month. I made another payment online that day. I received another call on XX/XX/XXXX that the payment was still not received and it was over 30 days late and may come up on my credit report. I also received a letter after that stating that it was over 30 days. In the 36 months of this lease, and all my financial responsibilities for that matter, I have never been late with a payment. My credit is perfect when it comes to on-time payments. The website malfunction was not communicated properly until it was too late. I should have received at least another call or a letter prior to the the 30 days. I finally made the payment over the phone on XX/XX/XXXX to make sure it was received. I wrote a letter to their CRA management office with no response and I have disputed this delinquency with the credit bureaus with no resolve to my satisfaction. I was a great customer and I believe I deserve better.
Product: Credit card or prepaid card

I paid on XX/XX/2018 {$25.00} for my XX/XX/2018 statement. XXXX XX/XX/2018 company charged me a late fee of {$25.00} for my XXXX bill. I called and emailed them immediately asking why I was charged a late fee when I paid on time. I was told the late fee was going to be removed. So on XX/XX/2018 I went ahead and paid {$25.00} for my XXXX bill then days later my due amount was changed from XXXX to XXXX all because when my XX/XX/2018 bill came out they still hadn't adjusted the account to remove the late fee of {$25.00}. I emailed and called asking about the adjustment to my account to correct the due amount because it was only caused by them in error of placing the XXXX. I still kept emailing and calling. I then checked my account AGAIN on Sunday XX/XX/2018 and it still showed XXXX due. I was forced to pay the XXXX today XX/XX/2018 there is a new LATE FEE being applied to my account of {$35.00} now when my XX/XX/2018 bill comes out the amount is going to be large again instead of the normal {$25.00} a month that I should be paying. This company needs to correct their account system that places late fees when they shouldn't be applied. No other company charges you late fees for paying the same day your bill comes out.
Product: Mortgage

On XX/XX/2020 We went under contract on a home located at XXXX XXXX XXXX XXXX GA XXXX. We sent all the paperwork as soon as the underwriter requested it. We have provided everything immediately. All our record were in order. 

I paid for the appraisal on XX/XX/2020. The appraiser scheduled the appointment 2 weeks later and we had to send an amendment to ask for more days on the appraisal contingency. After waiting forever the appraisor gave a report that was messy. This made the underwriter ask for more documentations which prolonged the closing. We spent 5 days trying to contact the appraiser to fix  the errors. 

After the underwriter noticed that the appraiser was not cooperating they dismissed it. After not being able to close on the agreed date of XX/XX/2020 we push the closing to XX/XX/2020. We were happy that all the conditions were met until the underwriter started taking more than 72 hours to respond. 

The lender would call the account manager and underwriter at Orion Lending and send emails and they would not get back to us. On Monday XX/XX/2020 the underwriter ask us to send the proof that the earnest money was deposited. I mean really at this time in the process they want to ask for something so simple and prolong the closing evening more. 

We have to give a 60 notice to our apartment complex and now we are living in our car with our XXXX year old son because of the underwriter fault. Today is XX/XX/2020 and we have not heard from the underwriter that was supposed to respond back to us immediately. My lender has been calling them and emailing them every hour on the hour and they have not reached back out to us. This is pitiful and this company should be shut down for negligence. 

We even had to make an agreement to give the seller XXXX months rent to allow them to wait for us as we close.
Product: Debt collection

I mailed a cease and dispute letter to Hunter Warfield on XXXX XXXX. XXXX XXXX I received verification of debt letter dated XXXX XXXX from Hunter Warfield. The envelope states " Collection & Asset Investigation ''. Whenever Hunter Warfield sends letters it says this on the envelopes and they are not suppose to use envelopes that reveal information indicating that the sender is a debt-collection agency. And it was extremely embarrassing because our postal carrier had accidentally put it a neighbor 's mailbox. Also they did not mail the verification of debt letter in a timely fashion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an open account with XXXX XXXX XXXX in late XXXX. I paid them well until late XXXX. XXXX XXXX, has taken my situation as an opportunity to mislead creditors. In XX/XX/XXXX XXXX XXXX reported 120 past due and in XXXX they reported the same. Account did not go to charge off status until XX/XX/XXXX. I made several attempts, once I got back on my feet to pay XXXX XXXX, yet they sent my account to a third party. That third party promised to remove late payments from my credit file once Payment was rendered. I paid the third party, nothing was ever changed. In XX/XX/XXXX I reached out to XXXX XXXX to address the issue, they would not let talk to me regarding the account because it had been transferred. I reached out to Experian consumer reporting agency. Experian added a late payment to my credit that was false. It showed that the account was recently charged off witch affected my score tremendously. Both XXXX XXXX and Experian are at fault for false reporting. Experian has falsely updated information, the credit card company has stated it will not address my account.