23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Synchrony Bank I received a letter on XXXX XXXX, XXXX, recording my Amazon Prime account. The letter stated that I owed a {$230.00} payment. As is custom I pay all my monthly expenses the day my Social Security check hits my account. I paid Amazon {$200.00} in XXXX and left a balance of {$39.00} which would be paid in XXXX. On XX/XX/XXXX, and XX/XX/XXXX I received calls from Synchrony Bank regarding this {$39.00}. I have always made my monthly payments ahead of schedule and almost always the monthly account in full. The account balance has gone up to {$2700.00} which is higher than a month or so higher. 
I pay all my bills beforehand so as not to have anyone harassing me about payments. 
Being on Social Security doesn't mean I should be hassled. Sacrificing to make all my expenses paid before keeps my credit score in good shape. It is my hope that those who work at Synchrony will become more sensitive to those they are supposed to serve, in person, by phone, or by letter. 
Sincerely,
Product: Mortgage

Truist purchased BB & T. they have lost my payment and I can not track it down even though I have proof XXXX XXXX sent them the money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 certified letters to LEXISNEXIS asking to verify bankruptcy being reported on my consumer file with them.They receive letters on XX/XX/XXXX and XX/XX/XXXX.Ask for names, address, phone numbers of whom the contacted about bankruptcy being reported on file with them.Received first response from LEXISNEXIS ( saying after reinvestigation of the data in question. LEXISNEXIS  VERIFIED THAT BANKRUPTCY IS ACCURATELY REPORTING ON YOUR LEXISNEXIS RISKVIEW REPORT ) .The second letter basically was asking the same thing, asking for names, address, phone numbers.But instead they sent a RISKVIEW DISCLOSURE REPORT REQUEST.WHICH I DID NOT ASK FOR.PLEASE NOTE : BANKRUPTCY RULE 9037 WHICH STATES THATpersonal identification information defined as individuals, social security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with court.please help me resolve this problem of getting it remove from my consumer file with LEXISNEIXS.And any automated response or e-Oscar verification is unacceptable from LEXISNEXIS.THANK SO MUCH
Product: Vehicle loan or lease

Subject : Regarding fraudulent account from Westlake financial services, XXXX XXXX, CA Dear CFPB, I am victim of identity theft. Someone got car loan with my details from Westlake financial services. I sent all my documents such as SSN card, police report, drivers license and latest utility bill, FTC complaint, ID theft affidavit to Westlake financial services to prove that I did not buy any car in last 2 years, and so did not get any car loan from any financial institution. I sent all documents on XXXX of XXXX and disputed the account. Since then I kept calling them to know the status. I might have called more than 100 times since I first I disputed the fraudulent account and each call last for 20 min to half hour on an average. They really killing my valuable time. Whenever I call them, they say it is still under investigation and not resolving the issue. Interesting thing is, car was bought on different address and they gave loan without proper verification. 
I have decided to bring this issue to your notice because Westlake is not at all working to resolve the issue. Can you please work with Westlake financial services and try to resolve the issue. I really appreciate your help in this regarding.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the inclusion of the charge off account my credit report. Despite my previous communications dated XX/XX/2024, I am disappointed to note that this matter remains unresolved, and I am concerned about potential violations of the Fair Credit Reporting Act ( FCRA ). 

Furthermore, it has come to my attention that the continued inclusion of this disputed account on my credit report may constitute violations of the FCRA. Under the FCRA, consumers have the right to accurate and fair credit reporting, including the timely removal of inaccurate or disputed information from their credit reports. 

I am deeply concerned that despite my efforts to dispute this inaccurate information and provide evidence supporting my claim, you have failed to take appropriate action to investigate and resolve this matter. This failure to comply with the FCRA 's requirements may expose them tolegal liability and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

I have contacted TransUnion to remove old items from my credit report. There are accounts from XXXX still being reported and they are well over 10 years old. My student loan accounts are only to be reported for seven and a half years however my account State back to XXXX and XXXX XXXX and 10 years old and still being reported on my credit report. I want all of these removed immediately. It is preventing me from having a score high enough because the debt to income ratio is unbalanced. I realize that as a XXXX woman in this society it's harder to obtain credit and the hard work that I'm putting into improving my scores are being impeded by this incorrect and false information. Also TransUnion keeps reporting XXXX credit who is not a creditor of mine and XXXX XXXX XXXX which is also an account that I do not have. I have asked for proof I have asked for validation and they have refused to give it to me. I need all of these accounts removed from my credit report
Product: Credit reporting or other personal consumer reports

After conducting an investigation on my credit report, I discovered several unverifiable, invalidated, inaccurate, and questionable items. Despite bringing these issues to your attention, your agency failed to rectify them, causing significant XXXX XXXX XXXX 

Under the Fair Credit Reporting Act, it is imperative that all information on my credit report is reported accurately and in accordance with the law. However, these accounts are in clear violation of Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ), as they continue to be reported incorrectly. 

I have attached copies of all correspondence sent regarding this matter for your reference. I urge your agency to take immediate action to ensure that my credit report reflects XXXX XXXX accurate information, as mandated by law.
Product: Debt collection

This account is invalid and is not authorized to report on my credit. Under the Fair credit act I have never had a contract with XXXX XXXX. There is no signed agreement between me and this company,
Product: Credit reporting or other personal consumer reports

Wells Fargo continues to violate consumer protection laws against me and I am concerned that my private information isn't safe and is in danger of identity theft, fraud, and trafficking due to the sharing and furnishing of my information. I requested to opt out of those activities but Wells Fargo N.A. continues to violate various transactional and privacy laws. I ask that the CFPB enforce actions against Wells Fargo and its assigns, affiliates and non affiliates on handling my private accounts. Attached is demand affidavit and agreement.
Product: Credit card or prepaid card

i INFORMED THEM THAT THAT WAS NOT ME ... i NEVER OPENED AN ACCOUNT ON 2015 WITH THEM. I AM SHOWING I OWE THEM {$540.00} AND IT SHOWS ACCOUNT STATUS OPEN ... 


THAT IS NOT ME!
Product: Debt collection

Lvnv funding llc. C/o resurgent capital services XXXX XXXX XXXX XXXX sc XXXX XXXX ( XXXX ) XXXX assigned date XX/XX/2017 has been sending me collection notices in the amount of & XXXX as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Product: Checking or savings account

I am a lifelong Texas resident. Bank of America holds my checking, savings, credit card, and home loan accounts for the last 13 years. On XX/XX/23, someone was able to walk into a bank in California and withdraw {$2700.00} from my checking account. I spent 6 hrs trying to resolve with BOA, frozethe account, opened a new one and they credited me the money back so i could pay my mortgage, only to learn that my savings accounts also had been emptied. in addition to the checking account withdrawal, a person walked into another bank ( s ) in person, also in California, and withdrew {$7200.00} in cash from my savings account. I filed a claim, and BOA is conducting an investigation saying it could take 60-90 days to complete. No guarantee timeline, no guarantee of returned funds that they GAVE AWAY to someone in a state i have never lived in.
Product: Credit card or prepaid card

I got a new XXXX  XXXX  Card through American Express. When I signed up for the card I did so through a click-through offer from " XXXX XXXX XXXX '' website that was for XXXX XXXX  XXXX points for the first $ XXXX spend and then an additional XXXX points on the next {$1000.00} over the next six months. 

I was given a XXXX points bonus as opposed to what I should have received. 

I have since called in three times to have this investigated and resolved, but they have not come to any conclusions over the last 5 months! They keep telling me to just call back in every two weeks - which I find to be ridiculous. 

I have a print out click-through terms that were in place when I signed up, and apparently, are in place again today. Amex is claiming that I signed up during some small inferior window of time and will not investigate further or get back to me on their findings.
Product: Debt collection

Portfolio Recovery Associates calls constantly as early as XXXX XXXX and as late as XXXX XXXX and anywhere in between stating is an attempt to collect a debt. Leaves an address of XXXX XXXX XXXX, XXXX VA and partial zip code of XXXX ... This company was recently sued and plaintiff prevailed. I believe they are scammers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cresco Capital is reporting a balance of {$20000.00} for a debt that I DO NOT owe. It is possible that another family member could be responsible for this debt.

I have been trying to dispute this with them and the 3 major credit bureaus for over a year now with zero success.

This company is currently undergoing a class action lawsuit for violating Minnesota state laws and various other lawsuits for unethical and illegal practices.
Product: Checking or savings account

Chase Morgan Bank  on XX/XX/2024 I deposited a check from a client chase froze my account claiming the check from the bank does not pay out to third party banks. There was also an issue with the first check they issued to me. Chase took the money from the account and still claims it can not be confirmed. Where is the money from the account it was cashed from if it didn't go to Chase. The amount was for XXXX.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$94000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$8300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

In the year 2000 I paid and closed a equity line of credit, and Citizens Bank never notified the Registry of Deeds in XXXX XXXX in the State of Massachusetts I had to pay {$77.00} to record this discharge which I feel the bank should have paid for the discharge. In the cover letter nothing ever said or implied that it was up to me to have this document recorded
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I would like to see my original contract, pay off disclosure, interest rate disclosure, balance history, payment history, and credit insurance for all of the inquiries below.. Ive sent XXXX priority letters out to all of the credit Bureaus, stating inaccurate information on my credit report, and informed them to send me back proof of the accounts ownership and accuracy of them and I have not received anything back yet, If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- -- promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on results or the reinvestigation ; I also asked for them to send me the correct info back via mail and they didnt. This has ruined my credit for years now of inaccuracies and im ready for it to be properly handled, the accounts are XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 i sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30days gives me reason to immediately remove those from my credit report it has been 60days so they should be deleted promptly. I demand these accounts be immediately deleted or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the wrong hands.
Product: Mortgage

I went into forclosure in XXXX with bank of america and received a loan modification in XXXX. I paid on it for almost XXXX years on time and correct amount. Bank of america did not apply the funds correctly to my account even though they had the correct loan number address and my phone number and lawyers number. They sent my payment back to me in XXXX XXXX claiming i had not been paying the full amount on the contract when I did follow their contract they wrote.. They put me again in forclosure. I got another lawyer and bank of america forced me under duress of losing my house into another modify with terms unlivable. They also charged me {$28000.00} in interest penalties late charges etc. I found out that they resended the XXXX modify because they claim they were not the investors in the XXXX modify. I have a hard time believing that because I have payed my mortgage to them since XXXX. I need help they are ripping me off.
Product: Mortgage

My mortgage is being serviced by Ocwen Loan Servicing. This company is a horrible company to deal with. I have read nothing but bad reviews and complaints on the XXXX website and I wonder who is looking into this company. Their practices and policies are outside of the scope of normalcy and all they seem to do is charge fees and set unrealistic goals for homeowners. I had fallen behind on my payments and tried to get a modification through the government program for that but was told by Ocwen tht I did not qualify but was not given a reason. So, their solution to that was to give me their version of a modification. The payments were within my budget but I fell behind again because of a medical situation and high medical bills, I am consistently 2 months behind and was told recently that I could send in " extra '' money to catch up, which I started doing but am now being told by my " relationship manager '' that it is not going to help. They keep pushing me toward another of their in-house modifications, which I am sure only serves their interests. The only other alternative is to ut {$1000.00} down on a repayment plan and pay $ XXXX/month for 5 months. I told them if I was having trouble paying $ XXXX/month for my regular payment then how could I pay {$1000.00} down and {$1200.00} for 5 months? They said it is the only way other than doing another modification. I am getting foreclosure threats from them in the mail. Also, when I have the money to send to them, I can not pay it online without a fee because they penalize anyone who is late by not allowing them to pay online without a fee to do so. There is no way to make an immediate payment without being charged another fee. So, I am forced to mail my payments which take weeks to clear, and more late fees are charged. It is a no win situation for any struggling homeowner whose loan is serviced by this company. All one has to do to understand how bad this company 's practices are is to go to the following : XXXX I am afraid of losing my home and have tried every reasonable thing to get myself current with them but they are not willing to be of much help. Also, I think it is a common complaint that this company, or at least its call center, is in another country and that the representatives are hard to understand. I pressured one of them into telling me where they were and was told XXXX on one occasion and XXXX on another. This company does not have the best interest of American homeowners in mind. They only care about making money by fees and unrealistic goals set to make it hard for homeowners.
Product: Credit card

As of XX/XX/2024 Card Company known as XXXX XXXX has migrated to a new bank. I do NOT wish to pay the outrageous interest of nearly 40 % PLUS a XXXX $ per month fee. This is absolutely wrong. I asked to close my account therefore making my card unusable and they tell me I still have to pay the fee until I close the card and have XXXX balance. How can they force me to pay additional fees for card services when I can't even use the card. They continue to change terms by increasing my interest and charging me fees and changing banks. I don't agree with the fees. I am trapped into an account that increases fees and I can't pay off. Keeping in a cycle of never ending fees making it impossible to pay off.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Collection/Charged Off XXXX XXXX XX/XX/XXXX {$610.00} XXXX  XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$700.00} XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$550.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$1100.00} XXXX XXXX XX/XX/XXXX {$9000.00} XXXX Payment XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse 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 ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I request delete the not authorized hard inquiries below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On approx. XXXX XXXX XXXX I received XXXX different credit cards from XXXX Rewards, ( Chase bank ) which I did not request or apply for. I was shocked. I called Chase immediately and was transfered to fraud detection. I was then told by them that they had actually issued XXXX credit cards in my name. Each of these cards had fees attached to them which I refused to pay. I also told them they must cancel these cards. This was clearly not a big surprise to the people at Chase. I believe this was done intentionally to force these cards upon me. They agreed to cancel the cards and told me I would have to contact the credit bureaus myself which I did. I do not know if this was a fraud by someone else but I doubt it. Why would a thief issue the credit card to my address? Please investigate Chase as I believe they may be doing the same thing XXXX XXXX has been doing. Thank you