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

I am so upset right now. My loan was transferred to PHH as of XX/XX/XXXX. I am filing a complaint against this servicer for failure to process a timely loan modification, inaccuracies reported to my credit bureaus and failure to apply payments properly. I had been in forbearance with my old servicer due to covid. At the end of my forbearance, I was offered to do a permanent loan modification and did my trial payments for XXXX, XXXX and XX/XX/XXXX and signed all the loan modification paper work in XXXX with a start date of XX/XX/XXXX. XXXX. I made my first payment under the loan modification on XX/XX/XXXX with my old servicer and I transferred to PHH effective XX/XX/XXXX. Every week I am told it is still processing and to give it more time. Then last week I received XXXX notice of default letters concerning my mortgage. I called and then was told not to worry I am in loss mitigation and my mod is approved but need more time. I was then told that my payment I made on XX/XX/XXXX was applied to XXXX and it should have been applied to XXXX. I was then told by the manager it was a mistake by the rep and she did not understand the loan modification was approved but just extended to give them additional time to process. In the interim I applied for XXXX  assistance due to the negligence on my account with this servicer. I can not trust anything they say. I found out today I was approved for the full past due and XXXX months forward payments. I also got a credit alert that PHH illegally reported my account as 120+ days past due. I do not have access to my account due to their negligence and now my credit is ruined. I demand they stop ignoring me, I demand they rescind the inaccurate reporting to the credit bureau 's and I demand they apply the XXXX payments to my account and give me access to my account. I further demand that my account is transferred to a competent servicer when this is resolved and they be held liable for any bad actions my other creditors take due to their unconscionable and inaccurate credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX, Experian, XXXX XXXX are reporting incorrect information they have allowed XXXX XXXX XXXX. XXXX XXXX XXXX. I have asked both companies for validation of these debts with the original contract and they have refused to provide the original contract proving I owe this debt.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXX XXXXnd all payments were placed on XXXX. 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 to be removed/updated. 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. 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!
Product: Credit card or prepaid card

Since XX/XX/XXXX, I have experienced fraud with my Capital One credit card. Numerous cards were sent to people calling in as me. 
Cards ending in XXXX, XXXX. I had credit card XXXX until they recently deactivated it. I was charged fast card fees for cards that were not requested by me. They have since been reversed. 

I made a XXXX payment on XX/XX/XXXX. I called on XX/XX/XXXX to see if payment was received. I learned the card I was carrying was deactivated and a new one was issued but not by my request. And I was never informed the card I was carrying was deactivated. 

It has been very frustration to have continued problems occur when security measures should have been put in the place during the first incident back in XX/XX/XXXX. But they werent. 

Ive had to file two Better Business Burea reports and a report with my States Attorney office just to get a response from Capital One. 
They are not customer service oriented. They arent interested in helping their customers. 

Today, I received a call from them only after I filed a second BBB report. They told me my account doesnt offer a settlement based on fraud. This reasoning is ridiculous especially after added security measures were put on my account, they continued sending out new cards to the people committing fraud. 

I would like a settlement on this account so I can be done with Capital One. I would also like some kind of permanent public remark left do other consumers are aware not to apply for a credit card with them.
Product: Credit card or prepaid card

I own a credit card through Navy Federal Credit Union and this billing cycle my interest rate were up from 10.65% to 10.90%. Navy Federal Credit Union failed to communicate with me as why the interest rate went up, even though there has being no interest rate increase from the XXXX XXXX XXXX XXXX XXXX is secretly trying to charge me more interest without even informing.
Product: Credit reporting, credit repair services, or other personal consumer reports

FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to Equifax credit bureau 2 months ago and got no response here is my tracking number to prove they received it.
Product: Credit card or prepaid card

Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  EST To : Synchrony Bank XXXX Cc : XXXX Subject : Re : XXXX, Take action on your PayPal Credit account I do not have an account with Synchrony. I am reporting Synchrony Bank to the CFPB. I can be reached at the number below. 

XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX XXXX, Synchrony Bank XXXX wrote : Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 
Hi XXXX, Your PayPal Credit account is past due. Reminder, XXXX reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Your minimum payment due includes the past due amount of {$29.00}. 
Current Balance Minimum Payment Due Due Date {$110.00} {$69.00} XX/XX/2023 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us Weekdays XXXX XXXX.- XXXX  Weekends XXXX XXXX.- XXXX XXXX.XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2023 Synchrony Bank
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the reporting of my payment history to the credit bureaus ( XXXX, XXXX, and Equifax ). 

I have consistently made on-time payments on my accounts, including my loan with XXXX, XXXX, and my credit cards. However, it appears that my payment history is not being accurately reflected on my credit reports, and as a result, my credit score has not increased as expected. 

If necessary, I am happy to provide documentation, such as payment confirmations, to assist with resolving this matter. 


Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

n alignment with my rights under the Fair Credit Reporting Act ( FCRA ), 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 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 ) ( 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
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 XXXX and XXXX 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 corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$8900.00} ; XXXX XXXX XXXX  XXXX Balance : {$9100.00}.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX From XXXX XXXX XXXX XXXX ext. XXXX, representing XXXX XXXX, XXXX. sent me a written agreement to pay a charged off XXXX credit card. The settlement amount was {$2900.00}. The amount was to be paid making monthly payments that started on XX/XX/XXXX. I have made every monthly payment since beginning this agreement. On XX/XX/XXXX XXXX XXXX from XXXX XXXX ext. XXXX, called claiming the " verification of employment was now scheduled ''. When I returned his call I was informed that he was now collecting on the original XXXX account. He said he too worked for XXXX XXXX, XXXX and claimed I had not made any payments. After further conversation he said he was mistaken, I had only missed the XX/XX/XXXX payment. I had proof that I made that and all payments to XXXX XXXX at XXXX XXXX XXXX. He then told me that my current balance with XXXX was over {$3000.00}, which is more that the settlement amount that XXXX XXXX had given me in writing. He went on to explain that he " may '' be able to get me the same settlement amount but needed to know when I could pay the balance because this might help my case. I told him that his information was incorrect and that he needed to get everything in writing and send it to me. I have not received anything yet and do not want a lawsuit because of unlawful debt collection practices.
Product: Debt collection

Credit Collection Services contacted me by text message at XXXX EST in regards to a collection account from XXXX XXXX XXXX This is absolutely unacceptable. Especially as I suffer from severe XXXX, I had managed to fall asleep and the incoming message woke me up which caused me to be awake the rest of the night. A screenshot of the message is attached showing the time the message was received.
Product: Debt or credit management

EXPERIAN has a debt listed on my name THAT IS NOT MINE. I disputed the " negative '' report that is not mine. XXXX weeks of investigation by Experian resulted in absolutely nothing. As if I never disputed this XXXX XXXX XXXX  {$3500.00} collection of a XXXX XXXX that I never ever received. For one, MY CREDIT SCORE IS TO LOW FOR ANY LOAN COMPANY TO APPROVE A LOAN. I HAVE NOT BEEN ABLE TO GET CREDIT FROM ANYONE SINCE XXXX.
Product: Student loan

I am a cosigner for both of my son 's loans with Discover Student Loans, now being serviced by XXXX. I have repeatedly asked for a statement for income tax purposes showing how my payments were allocated ( I do not see any of this on their payment screen and can not make an option ). Representative XXXX, has emailed me numerous times over the last week or so that they do no give out that information. If I am remitting payments/monies toward scheduled payments, then I believe I am entitled to a statement and any documents necessary for a tax return.
Product: Credit reporting or other personal consumer reports

I dispute the stuff off my credit they take it off then it reappears back on my credit then i can not dispute it again, they keep denying all my disputes! address, accounts i have no knowledge of and more
Product: Debt collection

" Debt was paid '' was the most closely related option ; however, I did not pay the debt because the debt was/is not owed. The purported balance owed of {$1400.00} stems from a XXXX account bundled service plan that was never installed properly and never functional. I submitted my complaints and service issues directly to the XXXX XXXX supervisor, XXXX XXXX, who should have XXXX the account balance or directed Customer Service to do so based on the breach of contract on the part of XXXX XXXX XXXX. I have heard absolutely nothing else from XXXX or the collection agency who contacted me under XXXX weeks from the final cancellation and resolve of my account. Recently, XXXX notified me that XXXX had sold this account to said Stellar Recovery Inc which appears on my credit report ... but the initial collection agency to which XXXX sold this account was said XXXX XXXX XXXX ... Today I dropped by the XXXX XXXX XXXX XXXX branch to give them another opportunity to properly resolve this account to a XXXX balance and update these collection agencies to whom they illegally and unethically sold this account, but according to " XXXX XXXX '' - although there are innumerable service issues noted on the account from the beginning until the end and depsite the {$1400.00} being directly associated with installation and service fees, he refused to issue any credits to the account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed different hard inquiries on my credit report as its not me applying for credit. I have called Experian many times because of fraud. They havent fixed the issue or helped me with fraud
Product: Mortgage

I'm including a PDF of my XX/XX/XXXX Letter to Specialized Loan Servicing ( " SLS '' ). The XX/XX/XXXX2021 letter to SLS is the latest in multiple communications with this loan servicer. 

As you will see in the attached XX/XX/XXXX PDF/Letter/Attachments, we have substantive unambiguous documentation which confirms that we are no longer responsible for the debt they are endeavoring to collect. 

We have been providing documentation to SLS since their first involvement. The XXXX XXXX XX/XX/XXXX, the originator of the HELOC, should have released our home as security for this debt following a dispute resolution exercise they inspired in in 2019. 

In the simplest terms, our obligation to the debt, for which SLS is now threatening a foreclosure, no longer exists.
Product: Credit reporting or other personal consumer reports

Re : Complaint Against XXXX for Violation of FCRA 1681 b ( 2 ) - Permissible Purpose of Consumer Reports.I am writing to file a complaint against XXXX, a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 b ( 2 ) regarding the permissible purpose of consumer reports. 

Summary of Complaint XXXX furnished a consumer report about me to [ XXXX XXXX XXXX ] in connection with a [ Auto Transaction ]. However, I did not initiate this transaction, nor did I authorize XXXX to provide my consumer report for this purpose. This action is a direct violation of FCRA 1681 b ( 2 ), which restricts the release of consumer reports without consumer consent or for purposes not initiated by the consumer. 

Additionally, XXXX violated 15 U.S.C. 6802 regarding disclosing my nonpublic personal information. I was not provided with clear and conspicuous disclosure that my information may be disclosed to a nonaffiliated third party. I was not given the opportunity to opt-out of such disclosure, nor was I explained how to exercise that option. 
a consumer reporting agency, for violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( I ). 

XXXX has included information on my consumer report that I believe is in violation of the FCRA. The information pertains to [ describe the information in question ], which I believe constitutes a report of transactions or experiences between myself and XXXX. 

The FCRA explicitly excludes such information from the definition of a " consumer report. '' As per 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), a consumer report does not include " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Furthermore, XXXX has not provided any evidence that I gave written permission for this information to be included in my consumer report.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : My PayPal account was permanently suspended. 

XXXX, XXXX : After a three hour conversation with a supervisor at PayPal, they *did not divulge to me the reasons for their decision*. I was repeatedly told : " PayPal is under no obligation to tell you the reasons for their decision '' and " PayPal never makes mistakes. '' I was given no reason for the permanent suspension. And I have no idea why - I have not violated any of PayPal 's policies. 

XX/XX/XXXX : PayPal informs me they will be freezing my funds for 180 days. So, I can not use their service, nor can I withdraw my balance. Absolutely no reason has been given. 

XX/XX/XXXX : Complaint made with the XXXX XXXX XXXX After a few email exchanges, nothing was resolved and PayPal continued to withhold my funds. 

XX/XX/XXXX : I realize my account is still active. I no longer wish to be associated with PayPal. I attempt to close my account. I am unable to do so. 

XX/XX/XXXX : After a three hour conversation with PayPal, I am told they can not close my account. 

This means PayPal still has access to my bank account. 

They have suggested I change my bank account. 

I find this unacceptable. I do not wish to be associated in any way whatsoever with this irreputable company, nor do I wish for them to have access to my bank account. I do not trust this company at all.
Product: Money transfer, virtual currency, or money service

Im filing a complaint with Zelle because I sent money to the wrong person without confirmation and I couldnt get my money back Im out of thousands of dollars due to this mistake there was no confirmation or verification of anything before it was sent. From my research I see that cfpb has found Zelle to be negligent towards the safety of its customers. Ive even filed reports and tried to get my money back but nothing happened Ive very disappointed in this company.
Product: Credit card or prepaid card

On XXXX XXXX, 2017, I was told by the Best Buy store in XXXX XXXX, Arizona, that if I opened a Best Buy Credit Card I would receive reward vouchers for 10 % of the purchase 16 days after I paid off the balance. The reward amount was {$90.00}. I paid the balance on XX/XX/XXXX. On XX/XX/XXXX, I wanted to make a purchase, but was told in the store that the last voucher, for {$45.00} was not available. I called the help line XX/XX/XXXX and was told it would be available on XX/XX/XXXX, but on XX/XX/XXXX, having gone to the store again, it was not available. So I called XXXX again and was told the voucher would not be available until XX/XX/XXXX because of a computer problem ( in point of fact it was not available until XX/XX/XXXX. ) During the phone call on XX/XX/XXXX, when I pointed out that I had entered a contract with Best Buy with the understanding that I would be given {$90.00} by a certain date, the Reward Department acknowledged the discrepancy and transferred me to the Refund Department. A person called XXXX told me I would be given a {$99.00} reward to compensate me for my trouble. I was given the transaction number # XXXX On XXXX XXXX, 2017, I checked my balance, and there was no refund for {$99.00}. I again called XXXX. XXXX in the refund department acknowledged the existence of the transaction number regarding the purported refund, but said that his department could not provide a refund for in-store purchases. After a total of an hour and a half, on the phone, I spoke with XXXX, a supervisor, who told me that if I take the receipt back to the store, the transaction could be processed again, and I would receive the amount of the reward vouchers. This was not true. Throughout this entire problem, customer service kept insisting that it was the local store 's error. I was never given false or misleading information from the store, only from the customer service connected to the credit card. On XXXX XXXX, 2017, when I went to the store, the store manager lowered the price of the item so that I would be credited {$90.00}. In other words, the customer service department associated with the credit card made the local store pay for it 's false advertising and false promises. I believe Best Buy lured me into purchases twice with the promise of being able to provide me with rewards, first on XX/XX/XXXX, when I was told I would have vouchers, and then on XX/XX/XXXX, when I was offered a refund in lieu of those vouchers. My concern is that other consumers are being lured into making purchases at Best Buy with a confusing rewards program and a customer service department that can not adequately provide consumers with information or solutions. The store personnel and the customer service representatives are put on the front lines of bad corporate policies that make them the fall-guys when someone notices a discrepancy between the promised benefits and actual transactions.
Product: Debt collection

I informed XXXX that the, collection accounts that are in their report are not mine and would like them to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose