23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The company, PayPal and their collector, Synchrony Bank, provided statements as requested. My question and complaint was for a charge of {$200.00} outstanding. This charge seems to be for XXXX of XXXX fraudulent purchases from XXXX XXXX made in XXXX, XXXX continue to explain and adamantly deny both charges. 
After filing a claim with CFPB, I received additional information from Synchrony. Their report indicates I have been credited for these purchases. Yet, the statements forthcoming daily via email, indicate I owe a balance of {$380.00}. The balance as of XXXX, is supposedly comprised of an initial purchase of {$200.00} to XXXX XXXX and several interest charges of {$70.00} monthly. 
I have not made any purchases for {$200.00} through PayPal during XXXX. The only charges were those afore mentioned. I have contacted XXXX XXXX about their refunding. They related refunding only {$200.00} to PayPal. 
Within the statement provided by Synchrony on XX/XX/year>, are deferred charges from XX/XX/year> of {$200.00} ... .and described as as " Miscellaneous Adjustment XXXXXXXX XXXX '' ; another, described exactly the same, for {$70.00}. This is not adequate. 
I have never not received an explanation as to this {$200.00} charge, if it not that from XXXX XXXX. What is it? Why is it? Why is this? 
I am more than hopeful that this ongoing issue will be resolved honestly and correctly. 
I will not pay for any fraudulent charge to my account and this is XXXX!
Product: Debt collection

Key to Recovery is constantly attempting to collect on a loan for XXXX XXXX. The only verification method used is having access to my personal information that the school had. After submitting proof that I never signed for this loan to the credit bureau, it still comes back as verified as accurate, disregarding that someone forged my name with a group of numbers. Now it is under review with the Borrower 's Defense and I will attach a copy of that in this message. XXXX XXXX did a lot of fraudulent acts at the school to collect money ad not give degrees to students.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner, 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
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I disputed a 30-day late payment on my Transunion credit file in the month of XXXX reported by XXXX XXXX  XXXX I provided my mortgage and bank statement for XXXX. Transunion did an investigation and determined that the information from XXXX XXXX  was correct. I disputed the information a second time with the same results. When I received the results of my second dispute, I called Transunion, and I spoke with a supervisor who removed the negative Information. The following month it was placed back on my report. I did not receive a notification that the information would be placed back on my report per the FCRA. 

I called Transunion again and the negative item was removed again then the supervisor said that if it was placed back on for the third time Transunion could not do anything and that I need to reach out to XXXX XXXX. I said to the supervisor that the CRBs are supposed to investigate disputes, he told me that Transunion only reports what the furnisher gives to them, and I quote, " Transunion does not do investigations. ''
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS COMPANY IS REPORTING FRAUDULENT INFO ON MY CREDIT REPORT
Product: Mortgage

I have sent Selene all documents for a loan modification. The company initially stated that the loan package was incomplete. Upon further review by their agents XXXX and XXXX ( supervisor ) the team was able to verify that the package was complete and submitted on a timely basis. The rep XXXX had me send a letter with all of the details as to where in the package the overlooked documents were in the modification package. The supervisor XXXX stated that she would have the package reopened and the foreclosure sale postponed until the package could be reviewed. I have attempted to contact my single point of contact numerous times. My single point of contact XXXX XXXX has not returned my numerous calls or emails. I have been attempting to get this loan modification completed for some time. All documents have been submitted. Supporting documentation is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$930.00}
Product: Credit reporting or other personal consumer reports

Legal action will now be taken as of XX/XX/XXXX Not only has these illegal accounts was obtained fraudulenty they continue to still report illegal charge offs/late payments as of XX/XX/XXXX. I have disputed these accounts since the begging of XXXX. This is final warning this is totally illegal for XXXX, Transunion, and XXXX to keep reporting these illegal cards that were obtained in XXXX. Numerous attempts to keep constantly reaching out. My lawyer will be reaching out to XXXX, XXXX, and TransUnion. All of the attempts to settle this has been ignored. Will be looking to sue for compensation and damages based off initial dates this claim was sent. Remove these illegal accounts off TransUnion, XXXX, XXXX. This has been a whole year and this is last warning. It is ILLEGAL for CREDIT BUREAUS to KEEP REPORTING FRAUDULENT ACCOUNTS! 

This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

XXXXXXXX XXXX XXXX Date Opened XX/XX/XXXX {$150.00} This account continues to report negative fraudulent information! Despite numerous calls to managers and superviors. Legal charges will now be charged! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I made a payment via the Protas , Spivok & Collins , LLC ( XXXX ) website. On XX/XX/XXXX, I made another payment via the same website. I did not receive a confirmation via email or mail for either payment but they did clear from my bank account. After this, I received a copy of a XXXX in Debt summons from XXXX 's office. Per the summons, I was being sued for the debt. Prior to filing the complaint, I had not been contacted. 

On XX/XX/XXXX, I mailed XXXX copies of the payments I had made and a letter to request a payment plan. I informed them that I had made two payments and I intended to pay my debt in full. I did not receive a response. On XX/XX/XXXX, a Sheriff 's Deputy served a copy of the XXXX in Debt at my home. On XX/XX/XXXX, I faxed another copy of the letter and the payments to XXXX 's office. On XX/XX/XXXX, I called their office to speak to someone about a payment plan. I was immediately forwarded to a voicemail, but I did not leave a message. 

Today, I received mail from XXXX. It was a copy of a XXXX in Debt for a different debt and court date. They have never contacted me about this debt before filing the complaint. I have not received any form of documentation to request payment and/or a response to their request for payment. As of today, they still have not responded to the payments, letter, or the fax that I sent.
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, according to 15 USC 1681. 

Account XXXX XXXX account # XXXX  has violated my rights. 

Account XXXX XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

Account XXXXXXXX XXXX XXXX XXXX # XXXX has violated my rights. 

Account XXXX, with an unknown account number, has violated my rights. 

Account XXXX XXXX # XXXX has violated my rights. 

And Account 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 602 A Section 2L states that a consumer reporting agency can not furnish an account without my written instructions/permission.

15 U.S.C 1681c ( a ) ( 5 ) Section States : A consumer reporting agency can not make any consumer report containing any of the following items of information : Any other adverse item of information, other than the records of conviction of crimes, that antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) States that 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 received email today, saying I opened a new account with Chime, and trying to setup direct deposit and apply for chime credit card. I can see the name and the direct deposit infos from the email. It is for another person. 

I called immediately and asked to close this fishy account. Because I don't believe you can open a bank account with another person 's email address, without access to the email account and identity theft intention. 

The customer service turned down my request and saved many of my personal information, like date of birth, name, phone number, etc, but just updated the email address to another random address he made up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a mortgage loan with Specialized Loan Servicing ( SLS ). I sent in a loan payoff in XX/XX/2020. SLS confirmed receipt but never paid off my loan. The funds were not applied to the loan balance. I called customer service numerous times as I was still receiving statements in XX/XX/2020 & letters with a mortgage balance. It is now XXXX & after numerous calls to customer service, I received an update on my credit history showing that SLS reported a delinquent account. How can I be delinquent when the loan was paid off in XX/XX/2020? SLS failed to process the loan payoff in XXXX. My credit needs to be corrected & I want evidence/confirmation that SLS corrected it. I have excellent credit - over 800 credit score.
Product: Credit card or prepaid card

The card in question is an XXXX XXXX XXXX XXXX that I use for my one man company for business related expenses. 

The XXXX statement showed 2 charges in XXXX that I reported in XX/XX/2021 to Barclays. They cancelled the card and issued a new card. 

When I received the card I could not activate it. When I called Barclays I was forwarded to the security department. They could not resolve the issue. 

What I later found out was that Barclays was in the midst of combining my personal XXXX account with my business card account under XXXX login name and password for security. During this period it seems that no one at Barclays could access my file. I could not access my statements and, as you will see in the attached documents, I resorted to writing a letter in XX/XX/2021 to highlight the disputed charges and that I wish to close the account. 

The wrote back saying this was not possible. 

I was able to access the system in XXXX and found the dispute section ( that is buried in their website ) and filed a dispute ( see copies of dispute acknowledgment ). 

Barclays last letters indicate they contend too much time passed for them to do anything and basically saying it was my problem when, if fact, they knew of the issue in XX/XX/2021. 

First, why did they not contact me when the charges were made? It appears that the charges took place in XXXX XXXX. Isn't that suspicious on its own when my pattern of spending was known in their system? 

Second, I did not make or authorize any charges to the company in question. 

Third, I could not find anything about this company in XXXX. 

Fourth, Barclays had to have a link to the card reader and bank account for the company in question to process these charges. Why can't they simply reverse the charges and credit my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there were erroneous Accounts on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected.
Product: Student loan

I set a {$500.00} check to Navient on XX/XX/2019. The check cleared my account on XX/XX/2019, but has never been credited to my account. I've called twice on the issue. The first time, they apologized and said that my account would be credited by the next morning but it was not. I waited a week, and called back to explain the situation again. This time, they said that they were unable to find a payment and suggested calling another department to request that my {$500.00} be returned in 4-6 weeks. When I allowed them to transfer my call, the phone rep simply put me back in queue for her own department, which was the phone number XXXX. Navient has effectively stolen {$500.00}. They've cashed the check and will not credit me.
Product: Credit card

On XX/XX/2025, I received a letter from Lowe 's credit card, claiming they delicately applied a credit of {$84.00} to my account and now add that back to my statement. 

I checked my bills every month and there was never a duplicate credit that was applied to my account. 

Yet, when I logged into my account, I found another {$70.00} refund reversed to my account. 
If I didn't remember it wrong, that was a hardware purchase for my washer and dryer. However, I returned the washer and dryer later. When Lowes delivery worker came, I told them that it was a separate purchase and if it should go with the machines. They told me that they would refund me so I let the delivery workers take everything with them back. 

However, Lowe 's wasn't as efficient as they said. There was no refund shown on my account. So I made the call to the credit card customer service center and explained the situation and got the refund. They should have the conversation record. 

As to the {$8400.00}, it must be some purchase returned because I purchased a house last year and then made quite some purchases on Lowes and also made some returns.

There wasn't a duplicate credit that was ever applied to my account. Therefore, I ask for a reversal for those two charges that Lowes can not explain. 

Thank you.
Product: Credit card

I purchased products from XXXX XXXX in XX/XX/year> with my CITI Mastercard. The company went out of business and did not deliver all of the product. I filed a complaint on the chard with CITI. Apparently there were XXXX XXXX in disputed charges from other XXXX customers. I initially got the credit for my {$830.00} in product on the initial purchase {$1300.00}, and then in XXXX it was reversed. I called to try to find out why and they said that they never got information from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked EQUIFAX and XXXX to remove both Bankruptcies from my credit report. I have had several years of perfect on time payments at 100 % but these bankruptcy cases both have prohibited me from owning a home no matter how hard I try! XXXX is XXXX and XXXX XXXX XXXX and XXXX was a XXXX XXXX that was converted in error because I filed prematurely in error and had not waited the allotted time, but EQUIFAX and XXXX are reporting a dismissal of XXXX but in fact its still a XXXX XXXX dismissal, and should only be accurately reported from 2018 and I only have 7 years on my credit. As I BELIEVE THE LAW TO BE AS FOLLOWS : The FCRA states only the legal maximum amount of time bankruptcies can appear on your report and not the minimum. This means a bankruptcy can be removed earlier than the legal maximum, but it must be proven that it is misreported, ( XXXX XXXX conversion ) unsubstantiated or otherwise found inaccurate. The Fair Credit Reporting Act, 15 U.S.C. Section 1681 et seq., is the law that controls credit reporting agencies. The law states that credit reporting agencies may not report a bankruptcy case on a person 's credit report after XXXX ( XXXX ) years from the date the bankruptcy case is filed, I am at XXXX and XXXX XXXXXXXX  from case XXXX. Generally, bad credit information is removed after XXXX ( XXXX ) years. Please help me one and for all! I exhausted for fighting for my rights as I HAVE FILED DOZENS OF COMPLAINTS AND WOULD LIKE THIS TO BE THE LAST ONE FOR YEARS TO COME!
Product: Mortgage

This complaint is regarding an issue that took place prior to closing that was never discovered until XX/XX/2023. I purchased a home on XX/XX/2023, as all mortgages go, XXXX was required and information was submitted from the insurance agent to the loan officer then to the underwriter and then I was given the clear to close. However, I just found out that the XXXX was under a different address this whole time. At closing I paid a {$1200.00} premium on a property that essentially was not mine. Because the address was wrong, my lender ( XXXX XXXX  XXXX had started putting me under an XXXX. This forced placed insurance had a yearly premium of {$3300.00} that was taken out from escrow. Due to this, my payments had now risen from XXXX $ to {$2800.00} for XXXX, XXXX, and now for XXXX of XXXX. Originally in XX/XX/2023 I had called the lender to ask why the sudden increase and they said it was because they had no XXXX  on file for me. The lender had sent 2 notices in XX/XX/2023 and XX/XX/2023 saying that they had not received any XXXX  and that if I did not submit anything by the end of XX/XX/2023 then they would take the {$3300.00} for the XXXX out of my escrow. After receiving each of these notices, I emailed the insurance agent in charge of sending the XXXX  to the lender. He told me that he would take care of everything and that there is nothing I have to do. In XXXX when the mortgage went up by XXXX $ I once again emailed the insurance agent and told them that I am now being charged more for the mortgage because the lender still hasn't received anything. He once again said that he would take care of it. XX/XX/XXXX is when I followed up with the lender and I was the one who discovered the address was wrong which is why the lender was not accepting the original XXXX. To avoid any additional costs from escrow towards that XXXX $ premium, I quickly got a new XXXX. As of now my payments are going to still be a lot higher than normal and my escrow is currently - {$2800.00}. I reached out to the insurance agent to let them know that the address was wrong the whole time and that because of this error that I have lost a lot of money towards repaying the escrow, and also paying for two home insurance premiums. I asked the insurance agent if they can help with bringing my lender account back in good standing since this was an error that occured on their end and they said that it falls on me because I had signed the document to begin with. This does not take away the steps the loan officer, insurance agent, and underwriter do. This never should have been approved to close. Additionally, the {$3300.00} XXXX premium would never have hit my account if the insurance agent had done their job and fixed the issue in XXXX AND XX/XX/2023 when I sent them the picture of the letter I received and he told me to not do anything and that he would take care of it. 

The Loan Officer involved is XXXX XXXX - XXXX The Insurance Agent involved is XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : Charge Off : XXXX XXXX XXXX-Balance {$0.00} Collection : XXXX-Balance {$8300.00}
Product: Debt collection

Prior to XX/XX/XXXX, I set up a deal with Commonwealth financial to pay a total of XXXX dollars to have the item considered paid in full. I have talked to many representatives with this company and this is what I was told, unless I was advised unser false pretenses. 

On XX/XX/XXXX, I paid the first payment of XXXX ( half ). I even have a receipt as proof of this payment. 

The amount owed is incorrect on my credit report. Commonwealth took out the amount paid from the total, but did not adjust the total to XXXX ( XXXX owed ). I feel this was not handled efficiently or accordingly. On XX/XX/XXXX, I am due for another payment, but am unable to do so until this issue is corrected on my credit report. 

I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX account belong to someone with similar name. bureau deleted then it came back