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

In the fall of XXXX I purchased a laptop computer on XXXX. I wished to finance the purchase so I completed a credit card application offered from Synchrony Bank exclusive to the site. However, upon completion of the application, I was not issued a high enough credit line to purchase the computer and the purchase failed. I then paid with a separate card in full and the product was shipped to me. Regardless of using my other card to purchase the product, Synchrony Bank still issued the card and then charged a {$150.00} to that card for no reason that I could discern. I did not authorize the charge and the card was never used by me subsequently. Sychrony Bank then proceeded to issue statements with that amount charged to me and began charging interest on it when I did not pay. Not only was the purpose of opening the card frustrated by the low credit line issued to me, Sychrony Bank then fraudulently charged the card without my authorization. After non-payment on my end, Sychrony Bank has no sold my account to a debt collection agency for non-payment with a balance of {$380.00} ( up from the initial fraudulent charge of {$150.00} ). I  have filed a fraud claim with the collection agency, but I am worried that this debt will be re-sold to others and will negatively affect my credit score for years to come.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX : {$11000.00}
Product: Debt collection

The company needs to fix their report on my credit score. I did everything on my end I was supposed to that satisfied the settlement so why was another account opened on their behalf? 
The company needs to send the correct information to the credit union and have the wrong information removed.
Product: Checking or savings account

I have opened a citi checking and saving acct for this following promotion. 
Earn {$400.00} when you open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days My checking/saving acct number is XXXX. I have funded this account since opening in XX/XX/XXXX, I have XXXX in checking and XXXX in saving. 
I feel citi has no plan to honor their promotion.I did talk to the Rep when open the acct, and I was assured I will get the bonus, However I didnt. 

This is purely deceptive marketing if citi didnt honor their promise. 

My address is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX.
Product: Credit reporting or other personal consumer reports

I have identified an account transaction being reported on my credit report without my consent or authority. I never gave any written consent to the furnisher or the reporting company to utilize or share my nonpublic personal information.

Using or attempting to use identifying information of another person without consent or authority is considered identity theft under Federal Law. The creditor who furnished this information also failed to provide me with disclosures to opt out before disclosing any of my personal financial information to third parties. 

The company 's unauthorized actions have adversely affected my credibility.
Product: Debt collection

They claim they sent notification of legal action, they claim they served me and obtain rightful judgment against me. I asked them to provide proof of how they served me as I travel and no one in my home at time they claim they served me going to court for judgment. They state they placed notice on my door. I have asked them to provide me a copy of the signed contract to verify my debt and owed. They have not provided me any signed contract simply stated payments were being made for a period of time so it has to be my loan. I explained I was victim of identity theft yrs ago and I did have loans with beneficial yrs ago but paid each loan off as I did my other creditors. I was not aware of this judgment or collection debt until I went to refinance my mortgage for lower rate and savings of XXXX with refinance. They advised me of it I called the XXXX XXXX XXXX funding theu said debt now handled by law group XXXX XXXX XXXX at XXXX XXXX Texas XXXX. I explained I was not aware of debt let alone how a judgment could be awarded against me if I wad not advised or served to appear in court. I asked them 3x for copy of contract with my signature. I explained I had loans with them but paid out. They only send me a copy of the judgment filed against me that has has kept me from refinance. I offer to settle if they had contract with my name and could produce it just to move forward with refinance. I am asking they provide me proof this debt is rightfully owed by me producing the signed contract or they remove the judgment and reference of any such deby from my credit file and they pay me for damages if wrongful reporting a debt and judgement on my credit filr. They cost met me my refnance saving over XXXX on my finance of my house. I pay my debts and have a great credit history with my creditors. My credit score is XXXX plus being impacted by this alleged debt they wo n't prove is mine with signed contract. The collection agency XXXX XXXX XXXX is not a reputable collection agency. They have harmed several consumers with their collection tactics. I will seek legal action against them for action taken against me after I get this matter resolved. I want a signed copy of contract to confirm I owe debt or seek to be paid for damages and FDC practice violation.
Product: Mortgage

Loan Care will not honor my valid Divorce Decree and Filed Quit Claim Deed for my XXXX  Forbearance partial claim and modification under the CARES ACT -- loan # XXXX FHA Case # XXXX They are denying my modification and partial claim unless my ex-husband signs the documents.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Gregory Funding XXXX XXXX XXXX XX/XX/2022 To whom it may concern : I, XXXX XXXX, XXXX XXXX following : I am a retired XXXX American citizen. My income comes from my pension of {$1000.00} per month. 
I am presently in the Bankruptcy program Case # XXXX. My monthly payment to the bankruptcy program is {$610.00} and my monthly payment to my mortgage is {$1200.00}. 
During the COVID pandemic, I applied for the CARES Act Mortgage Forbearance program thru XXXX XXXX XXXX XXXXXXXX mortgage company and I was accepted.

The agreement was for one year of suspension of payment of the mortgage. These payments would be made after the completion of the last mortgage payment. 
XXXX XXXX XXXXXXXX mortgage company without previous notification and without my consent, sent my mortgage to Gregory Funding. 
I contacted Gregory Funding via phone call and they notified me that all of the terms and payment that I had with XXXX XXXX XXXXXXXX mortgage company would remain the same. 
Gregory Funding also let me know that they are a collection agency. 
On XX/XX/2022 I received an email from the Bankruptcy lawyer and the email stated that Gregory Funding demanded the total payment of that were not paid towards the mortgage because of the agreement with the CARES Act Mortgage Forbearance program. 
If the total amount was not paid by XX/XX/2022, my house would be put into foreclosure. 
The Bankruptcy lawyer made me sign an agreement with Gregory Funding to make the following monthly payments : A prorated amount of {$670.00} ( {$25000.00} divided by 38 months ) due to the trustee, plus the mortgage of {$1200.00} and additional payment to the Trustee of {$610.00} making it a grand total of {$2500.00} monthly payment which is impossible for me to make. 
At this point, feel as though that being a person of my age, my income, and my limited XXXX it is extremely hard to be able to understand the legal terms put on these agreements. 
I would like to solicit to whom it may concern that they do justice according to the laws given by the government in power and it not be pretended that individuals with low income lose the little that has been acquired in their lifetime I also would like to solicit that it be communicate to Gregory Funding to desist in the harassment and threats that I have been received because I applied to the CARES Act Mortgage Forbearance program. 
Please correspond to me ASAP these concerns. 

Attentively : XXXX XXXX XXXX : GreXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account present in my report because of its inaccuracy. I have contacted them multiple times but everything is getting nowhere. All I want is to have this account removed because I know that is justice. The information reported in this account does not match the bureaus reporting it, too many different information though it is only a single account.
Product: Debt collection

I have been contacted for the last 3 months from XXXX XXXX and XXXX 's collection company concerning XXXX  debt. When I was first contacted, I disputed the debt and asked for proof, including any signed contracts agreeing to the service and what I would be paying. The company only sent me a journal of the bills owing, nothing else, and it looked like some of the procedures were entered twice. 

I contacted them immediately about the missing information and was told by XXXX that they don't have to send me anything else but the statement. I told her that the amount contained a lot of interest charges and that there needs to be proof, in addition to the services preformed, what interest is agreed to in case of non-payment or breach. 

After two conversations, it was clear that XXXX was not going to accommodate my request. I gave her my work address for any service for lawsuit and told her not to call my cell phone. 

Today, XX/XX/2021, I received a call on our main telephone line and the person asked to speak to someone in our " Human Resources Department ''. I asked why, and she said she was calling on a personal matter and wanted to know if XXXX XXXX worked there. There was no need to call my work or " Human Resources Department '' other than to try and embarrass or harass me. I gave XXXX my work address and she knew is was my work address. I asked her to send any and all correspondence there. 

During the call, she said that I didn't specifically tell her not to call me at work, however, she did not call and ask for me, she called and asked for my Human Resources Department, she was trying to contact my employer directly.
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX XXXX has false information and false reporting on my Credit report. The XXXX XXXXXXXX XXXX has not provided me any original documentation required under Section 609 ( A ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( A CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) and under Section611 ( 5 ) ( A ) OF THE FCRA-you are required to " promptly delete all information which can not be verified. The XXXXXXXX XXXX XXXXXXXX has it reported on my report that the account was open XX/XX/XXXX marked payed/closed XX/XX/XXXX last payment XX/XX/XXXX. ITS stated on my report that this is a 39 month term from XXXX XXXX which would expire on XXXX XXXX which there are no miss payments in XXXX as reported in my credit report. ITS reporting that there was a miss payment XXXX XXXX, I am requesting Information regards to this late payment or delete this item from my credit report within 15 days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/scrub>XXXX Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion for my account with XXXX. These late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts, including this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, under the FCRA, sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2 mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively, which provides for damages, including actual damages, attorneys fees, and possible punitive damages for failure to comply with the Acts requirements. 

Summary of the XXXX account errors Incorrect Late Payments : All bureaus report a XXXX late payment, despite on-time autopay setup. 
Inconsistent Account Status : Account is marked " Paid '' but shows late payments, which is contradictory. 
Varying Reporting Dates : Each bureau lists a different " Last Reported '' date. 
Credit Limit Discrepancy : TransUnion and XXXX report a {$250.00} limit, while XXXX inaccurately shows {$0.00}. 
These errors violate FCRA standards, and corrections are needed for accurate reporting. 
Requested Resolution : I request that TransUnion conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 

I expect to receive written documentation confirming the removal of these entries within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Wells fargo is currently advertising to apply for a personal line of credit/cash loan. 
I applied directly on the Wells Fargo website. 
I contacted Wells Fargo by telephone for the application update and was informed that Wells Fargo no longer offers the service. I asked them if a credit check was performed and it was. I then asked why was there no disclaimer nor any advisory on the website that the service was no longer offered and the representative had no answer. I informed the representative I would not have applied for the service had I known it was no longer offered. I was never informed by email nor telephone that there was any termination of the service offered. It is still on the website and it is deceiving, inaccurate and needs to be updated. Again I would not have applied nor had a credit score inquiry performed if it wasn't for the misleading advertisement and application process by Wells Fargo
Product: Debt collection

Upon noticing this account in collection on my credit report, I disputed it for not being mine. I have disputed it 3 times and they have yet to show where they have any proof that it is me because it is not! They are supposed to show this but there is none because it isn't mine. So, how are they saying it is accurate. They don't have a signature or anything bc again it is not mine. I can not dispute it anymore I'm at my limit. I called them and they said it has now been turned over to a law office. They didn't even send me a notice telling me that they had done this either. That too is against the law. I want this removed off of my credit report. There's 2 accounts so far that I know is not mine on my credit report. That is lvnv for XXXX ( XXXX  ) and a XXXX account. I would like them removed they are not mine.
Product: Debt collection

I requested from this company the original debtor and all the pertinent information. I wanted the last payment date from the original debtor and any other information they have sent to me in mail. I never received anything at all from them.
Product: Credit card

Synchrony Bank/ PayPal decreased my credit limit from {$13000.00} to {$7800.00} after I paid off one of my credit cards with another company. I was unaware of a {$16.00} interest charge with the other credit card company ; the other card company did not contact me by phone or mail about it. Consequently, my account went 30 days past due. I only learned about this when I received a credit alert stating I had a past-due account. My credit score dropped from XXXX to XXXX, a significant blow. This complaint is because I have been a loyal customer and have NEVER been late with the payment history Synchrony Bank/ PayPal . I have always made timely payments, and my credit limit should not have been decreased. I don't understand why Synchrony Bank/ PayPal decreased my credit line without knowing all the facts, so I'm requesting that they increase my credit back to the same limit of {$13000.00}. I worked hard for my credit line to get to where I was, and this is not right!!
Product: Credit reporting or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

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

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

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. there is some inaccurate information reporting.

Account Number : XXXX  Delete From My CREDIT REPORT 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I began mailing letters to the major credit bureaus in regard to my credit report. While some of the items were removed, the following still remain. 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 : MO XXXX XXXX XXXX, Account name : 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 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 or 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: Checking or savings account

I put {$4000.00} into my TDBank account was part of my federal refund money Ive been saving. Long my job have no money and they took the money with out telling me for a offset. They never reached out want I called there where very rude and condescending about the money. And told me I would never get my money back.
Product: Money transfer, virtual currency, or money service

Hello, I've been using zelle since XXXX and i have had many unauthorized purchases i cant get refund on and money sent to me that would show on zelle but never deposit in my bank acc most of these problems accrued during the duration of XXXX to XXXX and now. more then XXXX was taken and or falsely deposit these banks are the issue as well as it in their systems I've had multiple bank account I've had to use to change zelle issues and don't have all receipts because of these changes.
Product: Credit reporting or other personal consumer reports

I submitted a complaint and the company responded and said that the vehicle was repossessed. However, this is inaccurate because I voluntarily returned the vehicle to a Hyundai dealership. This should not be reflected on my credit report, and I request that the financing company remove this from my record.