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

I would like to discuss the very legal but shady with lack of morality and empathy that this company inflicts and practice on the consumer. I will be forwarding this complaint to the consumer financial protection bureau as well as my state congressmen. Over the years I have worked really hard at trying to raise my credit score. Serving in the XXXX XXXX and being young I didn't realize just how important credit was until I became older. I open a line of credit with Rooms to GO financed by Synchrony. Not because it was my only option but because I saw it as a way to build upon my credit. It should also been known that I didn't seek out the financing. It was brought to my attention by a sales associate at the store. It was a pitch given at the sales desk that I'm sure most people can relate to. During the COVID pandemic, I as an 1099 contract worker loss a great deal of business due to the nature of my job. Needless to say I'm not making as nearly as much money as I was. Due to this I have relied on my credit which has caused my utilization on revolving credit to jump much higher than the normal 25-30 % range that I kept it at pre-pandemic. With that being said I have still been able to make payments on time and make at least the bare min payment each month. It has been a real struggle but something that I take pride in. ( Again it was hard work building my score ) Although, I was making on time payments, I noticed that Synchrony had been decreasing my credit limit over the span of three months and each month my credit score would drop a few points. On XX/XX/XXXX I received a credit alert from XXXX saying that synchrony had closed my account. I was livid! On XX/XX/XXXX I called and was told my account was closed because " federal law mandates '' Synchrony to obtain credit reports and that because of this they closed my account due to " high utilization scores '' Here 's the issue! Synchrony is basically punishing me for trying to survive! While I didn't use the card during the pandemic, I depended on the card for credit score purposes. Although, synchrony can see I have have high utilization with other accounts they cant see how the other companies are working with their consumers during this rough period of time. They should also see that the same accounts that they are trying to penalize me for HAS NEVER BEEN late either! So instead of working with the consumer this company much rather punish them by further harming FICO scores. What made the situation worse was the agents response " well if you read the terms of agreement '' you would understand it's legal '' Noted! I also read some of the company responses here on XXXX  stating ' that synchrony isn't a credit bureau and therefore isn't responsible for the credit drop. This screams predatory... I will not rest until this is federally addressed! PERIOD
Product: Credit card

I purchased an item ( Steampod hair straightener ) XXXX that missing the tank, comb and main problem is the power in XXXX is XXXX volts but in XXXX is XXXX volt, so I contact the merchant XXXX to return it, after asking to get shipping quote XXXX FOR {$210.00}. 
I called USbank card services XXXX. XXXX, his telling me if purchasing item from XXXX with Visa card I am responsible for shipping, XXXX and US bank disclosed the information and should not ship the defective unit with disclosure so is US bank responsibility to pay or ask merchant to correct the problems or take it back.
Product: Credit card

Citi told me they would delete my account off of my credit profile if I made a payment to take care of my debt. I made the payment, and they did not delete the information. They performed a " bait and switch '' to get their money. Even though I took care of this debt they are also still reporting derogatory information on my credit profile.
Product: Credit reporting or other personal consumer reports

I filed a XXXX  XXXX and paid it off. I paid the entire amount of my loan with Capital One. The layer placed the arrears of the loan in the XXXX  XXXX which I paid. I continued to make monthly payments until my loan was paid in full. After I got my XXXX  XXXX discharge, I was contacted by Capital One that I had past due amounts in the amount of {$1300.00}. They stated it was because the length of the loan. The XXXX was paid within the terms of the agreement. They would not release my loan until I paid the amount they stayed was because of the length of the loan even though my line was paid off before my XXXX  XXXX was paid. The lady was very rude and blocked my cell and home numbers. I had to use a neighbors number to get through and then my social security number was blocked. Every time I called the 800 number for XXXXXXXX XXXX XXXX XXXXXXXX XXXX  the same lady e we other s as very thick accent would answer. I called in the mornings and she answered and if I called late evenings she would answer. She refused to release my title until I paid the amount she stated I owed. The same week I paid the amount she stayed. I was reported as a charge-off. It was not a charge off! How can they report this to credit bureau after I paid the full amount of my loan and this amount she stated was delinquent? My credit rating dropped by XXXX because of this companies dishonest employers. They refuse to take my calls and tell me why!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my XXXX report. The dispute was to show that I paid Penny Mac mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that PennyMac did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom PennyMac is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because PennyMac refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though PennyMac did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from PennyMac on the PennyMac website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. PennyMac is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and PennyMac and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because PennyMac gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and PennyMac is refusing to do it and now PennyMac is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them
Product: Debt collection

I am filing a formal complaint against XXXX XXXX and LVNV Funding regarding their handling of a collection account opened on XX/XX/2022. Their actions appear to violate my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) in the following ways : Unlawful Communication Practices ( 15 U.S.C. 1692c ) The FDCPA restricts debt collectors from communicating with consumers at inconvenient times or places and prohibits contact after a written request to cease communication. I have experienced continued attempts to collect this debt despite not receiving proper validation and have not consented to ongoing communication regarding this matter. 
Failure to Validate the Debt ( 15 U.S.C. 1692g ) Under the FDCPA, XXXX XXXX and LVNV Funding were required to provide a written validation notice within five days of their initial communication. This notice must inform me of my right to dispute the debt and request verification. Despite my request, they have not provided adequate validation, such as a signed contract or account-level documentation proving that I owe this debt. If a consumer disputes a debt or requests verification, collection efforts must cease until proper documentation is provided. 
Inaccurate Reporting of Unverified Debt ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that credit reporting agencies ensure the accuracy of information before including it in a consumers credit report. If a debt is not validated, it must not be reported. XXXX XXXX and LVNV Funding have continued to report this unverified debt to the credit bureaus, which is a violation of this provision. If the debt is not paid by the consumer, the creditor must ensure that all communications and reports regarding the debt comply with federal accuracy requirements. Inaccurate Reporting of Unverified Debt ( 15 U.S.C. 1681e ( b ) ) The FCRA mandates that credit reporting agencies ensure the accuracy of information before including it in a consumers credit report. If a debt is not validated, it must not be reported. XXXX XXXX and LVNV Funding have continued to report this unverified debt to the credit bureaus, which is a violation of this provision. If the debt is not paid by the consumer, the creditor must ensure that all communications and reports regarding the debt comply with federal accuracy requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/2020 2020
Product: Credit reporting

None of the above apply, so please forgive the improper selection. 

My credit score ( I only monitor TransUnion ) dropped nearly XXXX points since last month. The only change in the report is that I paid off more than {$1000.00} in the debt that I owed. No new accounts, no delinquencies, no loss of open credit. Just a lower balance due. 

In essence, by paying down my debt I 've hurt my credit. This is an obvious case of lowering someone 's credit purposefully and without reason to give creditors grounds for higher rates. Please aid me in rectifying this, I 'd rather not have to take it up in a civil suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime in XXXX - XX/XX/XXXX - I entered an agreement with American Express one of their affiliates and/or a representative authorized to collect a debt on their behalf. The agreement required me to pay {$530.00} ( 60 % ) of the outstanding balance of {$810.00} owed on account ending XXXX. 

American Express representative took payment information " check by phone '' and assured me that American Express would notify major credit bureaus ; XXXX, XXXX  and XXXX  that this particular account has been settled as paid in full. The check # XXXX was remitted over the phone for {$530.00}, reviewed and confirmed. The payment cleared my bank account and electronically transferred to " Account XXXX AMEX Escrow ITF Account ''. My checking account was reduced by this amount, {$530.00}. 

I requested multiple investigations with the above mentioned credit bureaus, some on XX/XX/XXXX, XX/XX/XXXX and later. A few more as recently as XX/XX/XXXX because American Express has fraudulently reported the entire balance of {$810.00} as outstanding in spite of our agreement. It had been my understanding that American Express, its collection employees/affiliates and/or third parties were acting in good faith when they entered an agreement with me on XX/XX/XXXX. Furthermore, it was my understanding that American Express would honor their agreement. 

As of XX/XX/XXXX, I can see two of the credit bureaus - XXXX and XXXX  - reporting a balance for this account ending in an amount of {$810.00} in spite of our agreement. 

I feel violated and taken advantage of by this company. I also feel that the company used an " offer '' to entice me into making a payment with no intent to report accurate information to the major credit bureaus as required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

FOUR INSTALLMENT LOANS FOR THE SAME THING? ONE SAYS IT WAS CLOSED IN XXXX I WAS SICK DURING THE PANDEMIC FOR A YEAR WITH COVID 19 3 TIMES, I HAVE NO RECOLLECTION Payment Information Payment Status Collection/Chargeoff Past Due Amount {$130.00} Highest Balance {$1400.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms 12 Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX {$3900.00} XXXX, XXXX XXXX Account Closed Date Closed : XX/XX/XXXX Credit Usage You're currently using 112 % of your credit limit. 

30 % ( Stay below ) 112 % Account Information Account Status Open Account Type Credit Card Date Opened XX/XX/XXXX Credit Limit {$3500.00} Keeping your credit usage below 30 % will keep you in good standing with lenders and may lower the impact to your credit score. 

Payment Information Payment Status Late 120 Days Past Due Amount {$640.00} Highest Balance {$3900.00} Monthly Payment {$120.00} Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX XXXX -- Creditor Name XXXX, XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX {$1800.00} TAB/SUNBIT XXXX Account Closed Date Closed : XX/XX/XXXX Account Information Account Status Closed Account Type Installment sales contract Date Opened XX/XX/XXXX Credit Limit -- Payment Information Payment Status Collection/Chargeoff Past Due Amount {$920.00} Highest Balance {$2300.00} Monthly Payment $ 0 Times XX/XX/XXXX days late ( Last 7 years ) XXXX Additional Information Responsibility Individual Terms XXXX Remarks Charged off as bad debt Profit and loss write-off Creditor Name XXXX Creditor Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX everything looking correct XXXX 
If not, you can report an inaccuracy.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( XXXX XXXX XXXX ( XXXX ) ). Pursuant to XXXX XXXX XXXX, I have identified the following accounts that have breached these legal provisions : XXXX Account # : XXXXXXXX XXXX  Account # : XXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to privacy. Furthermore, under XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Section XXXX, a consumer reporting agency can not furnish an account without my written instructions. Also, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 
Finally, under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, no person shall 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. Additionally, according to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I sent out a letter for capital one auto finance to send me a copy of the original contact bearing my signature and all I received back was verified without any documentation with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX - I applied for an auto loan at a local Car Dealership and I received a good loan. However, as is standard practice I agreed that the dealer could contact multiple lenders in order to obtain the best loan possible. 

Today is XXXX XXXX, XXXX - XXXX months later and according to CFPB Auto loan applications submitted within a XXXX - XXXX day time period should be treated as " XXXX '' inquiry on the credit report of the applicant. 

I plan to submit an application for a mortgage Loan and I would like my Credit report inquiry to reflect or treated like I applied for " XXXX '' Loan. My credit report is being negatively impacted because all XXXX inquires are shown and treated as XXXX different inquires which diminishes my overall credit scorXXXX. 

XXXX lists XXXX inquires Experian list XXXX inquires XXXX list XXXX inquries Thus, I am not being afforded the rights that I am entitled to under FDCRA - See the reference below : Ask CFPB Auto loans UPDATED XXXX XXXX, XXXX What effect will shopping for an auto loan have on my credit? 

Shopping for the best deal on an auto loan will generally have little to no impact on your credit score ( s ). The benefit of shopping will far outweigh any impact on your credit. In some cases, applying for multiple loans over a long period of time can lower your credit score ( s ). Generally any requests or " inquiries '' by these lenders for your credit score ( s ) that took  place within a time span ranging from XXXX days to XXXX days will only count as a single inquiry, depending on the credit scoring model used. You can minimize any negative impact to your credit by doing all of your shopping in a short amount of time. You could save hundreds or even thousands of dollars by shopping for the best rate and terms on a loan. 

For example, let 's say you are looking around for an auto loan and you authorize five lenders to check your credit score ( s ) within a XXXX day time span. All those inquiries should count as one inquiry. If you shop for a mortgage loan at the same time you are shopping for an auto loan, the shopping you do for those two loans should count as two separate inquiries.
And do n't worry about all those promotional offers for credit cards impacting your credit score ( s ). These promotional offers do not affect your credit score ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to lift my credit freeze with Equifax, XXXX, and XXXX, but I do not have a pin number, I was never sent one. I also can not get through to these three agencies and speak to a live human being about this. Please help me. 

XXXX XXXX XXXX. 

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

On the morning of XX/XX/2022 at approximately XXXX after a week, of trying to request a letter from Navy Federal Credit Union about a PAID IN FULL letter, I was instructed that if I went to the nearest facility, which is located at XXXX XXXX XXXX XXXX, XXXX, KY XXXX, that the letter that I requested going on a month would be at that branch. I drove to that branch on the morning of XX/XX/XXXX, at XXXX and walked in the branch and spoke with a gentleman by the name of XXXX, who stated that he was the Branch Manager. I told him why I was there, and he instructed me that he would have to sign me in and that I would have to wait for a Representative, and to take a seat in the lobby. I said well the letter should be here, its just a letter that is impeding my employment, and this was the 5th time that I have visited this branch for the letter, and numerous phone calls. Don't get me wrong I was upset due to the fact that is one particular piece of paper that I needed is impeding my employment, and have asked numerous times for it, and was told that it was at the branch, wasting gas to drive back and forth out of my way to this branch. I sat their not happy, and was having a conversation with a lady that was in the same branch of service at the same time as me, and we were just talking about " XXXX XXXX XXXX XXXX' This gentleman XXXX XXXX had the fortitude, to walk up between the lady ( another customer ) and I and start explaining to me about this particular letter, and what it was concerning, to include what the letter was about, and where is was coming from, including financial monies that was included in this particular letter. I was XXXX XXXX and XXXX  I asked him was his name was and at first he told me, that he did not have to tell me what his name was, and he asked me to leave, I looked at him, and said " I want your name, and I will leave '' He stated that his name was XXXX, and that he was the Branch Manager '' I used explicit word because for him to shout my financial information in a public lobby with 40-45 people in this small branch, was uncalled for, and not professional and to me, that was illegal. You don't talk about someone's finances to the whole branch, including employees and customers.
Product: Debt collection

Navient has been calling me multiple times a day about my Personal Loans. I am behind on payments. They have also been calling my in-laws and leaving messages on their machine about my debt and that I need to call to get it settled. Their number is not on my account, only my c ell phone number is. I also do not have any cosigners on my loans. There is no reason for them to be calling my in-laws to get in touch with me or to discuss my debt. That is my personal business that I did not want to share with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO DISPUTE THE FOLLOWING TWO ACCOUNTS DIRECTLY WITH THE CREDITORS AND 3 CREDIT BUREAUS WITH NO SUCCESS : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNTS ARE COMPLETE FRAUD. I DID NOT OPEN THESE ACCOUNTS AND DID NOT AUTHORIZE ANYONE TO OPEN THESE ACCOUNTS. I HAVE RECIEVED XXXX RESPONSE FROM THE BUREAUS AND CREDITS AFTER MONTHS OF DISPUTING. I HAVE ATTACHED A COPY OF THE ID THEFT AFFIDAVIT PACKET. I PREVIOUSLY SENT THIS SAME PACKET TO THE BUREAUS AND CREDITORS. DELETE THE TWO FRAUD ACCOUNTS IMMEDIATELY!