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

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

I told the XXXX to reinvestigate the following accounts, 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 XXXX I told XXXX to reinvestigate the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I told Transunion to reinvestigate the following accountsXXXX 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCBXXXX XXXX was not authorized to inquire about my credit report. XXXX did not prevent SYNCBXXXX XXXX from doing this unlawfully.

SYNCBXXXXXXXX XXXX  Location Requested On Phone XXXX XXXX XXXX XX/XX/2022 ( XXXX ) XXXX XXXX, FL XXXX Inquiry Type Individual
Product: Mortgage

We applied for and were granted a loan modification because of financial hardship. We paid early and on time. Loan modification was denied before I could make last month 's payment. According to NationStar, we did not return signed documents. We never got the documents, and Nationstar has no proof that they either sent them or that we received them. They now say we owe them over {$3900.00} which we do not have. 
We did not receive any notification during any of this process that documents were missing. We also took part in XXXX program and NationStar was very hard to work with and said they had transmitted information to the program when they had not ; In addition, they transmitted the wrong payment amount. I have XXXX confidence that they do what they claim they have done. This appears to be some kind of scam in order to foreclose. We have been unable to get a decision making supervisor to contact us about this. We have been calling and emailing since XXXX 2016.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why is it that when I use a credit card my credit is affected IMMEDIATELY. But when I pay off a credit card it's NOT reported IMMEDIATELY? 

That is wrong and unfair.
Product: Debt collection

I had cancelled my gym membership at XXXX XXXX in XX/XX/2019 and then was charged for two months afterwards in XXXX and XXXX. I disputed the charges with XXXX bank since I did not get services from XXXX    XXXX and I won the dispute and got back {$79.00} I just received a letter in the mail from First Credit Services that I owe debt to XXXX XXXX and the amount is much larger ( {$150.00} ). I should not owe anything to XXXX as i cancelled my membership, already won the disputes and am extremely dissatisfied with their service.
Product: Checking or savings account

I deposited a check on Saturday, XX/XX/2022. On XX/XX/XXXX, I checked the account online and the check cleared, everything looked normal. I tithed on the check using XXXX. The next day, XX/XX/XXXX, my debit card was denied at the supermarket. 
When I spoke with XXXX at the bank, she asked what the check was that I deposited, I asked to speak with the Manager. After I arrived home by bus, I called and spoke with the Manager, who disparaged the check, saying it looked fake, and questioning the city in Maine where it originated, he insisted I received a voicemail message on XXXX  XX/XX/XXXX, but I didn't. 
XX/XX/XXXX, I spoke in person to another bank Manager who called the Manager of the first bank, he asked if I was expecting the check and if I knew the amount, I affirmed both. He told me it could take 10 days to clear the check. 
XXXX  XX/XX/XXXX, I went in person to the first bank and showed the Manager the check stub which he made a copy of. He stated he would contact the fraud dept and my account would be open by XXXX  the XXXX, he took my phone number and said he'd call me on XXXX. No call came. 
XXXX  XX/XX/XXXX, I called customer service, who said they would transfer me to another dept, then didn't, saying I had to speak with the bank. Later I left message with the bank Manager who returned my call saying he would contact the fraud dept. and give an answer to me by XXXX XXXX  that day. He called and said my account was not opened and he disparaged the check again that it has misspellings on it. I stated I do not have a copy of the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I signed a settlement agreement with PHH Mortgage to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, PHH shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, PHH reported the following negative information on my XXXX credit file : PHH Mortgage XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE PHH Mortgage has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when PHH Mortgaged reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX children who are in College and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because PHHs actions and breach the settlement agreement. 

I have filed 2 disputes with XXXX with an effort to get the foreclosure activity removed from my credit and PHH Mortgage responded to the dispute by verifying that the current status if being reported correctly. PHH has verified to XXXX that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from XXXX with the dispute results. 

Lastly, PHH Mortgage have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently checked my credit on XX/XX/XXXX and I noticed some unauthorized accounts on there. I believe someone has gotten a hold to my information and has been using it for some time now. There is an account with XXXX # XXXX opened XXXX XXXX for {$440.00} ; An account with XXXX College # XXXX opened XXXX XXXX for {$670.00} ; XXXX XXXX # XXXX opened XXXX XXXX for {$160.00} ; XXXX/XXXX  # XXXX opened XXXX XXXX ; There are 7 accounts with XXXX  XXXX which looks like its a collection agency for XXXX or XXXX XXXX XXXX Hospital # XXXX for various amounts {$1900.00}. {$710.00}. {$670.00}. {$460.00}. {$460.00}. {$160.00}. & {$34.00} ; There are also numerous inquiries that were made without my permission XXXX XXXX XXXX on XX/XX/XXXX ; XXXX  XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX  on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX ; XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX ; XXXX XXXX  on XX/XX/XXXX ; XXXX  XXXX XXXX  XXXX on XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX. I in no way gave anyone person to use any of my information to open up or inquire about these accounts that are on my credit report
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX # XXXX - Balance {$0.00} Unauthorized inquiries 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has come to my attention my personal information has been exposed in a national data breach.Other reviewing my credit reports I notice some accounts i am not familiar with I have ask the the CRA for validation of debt, however the information has not been provide Due to my information being exposed.I have submitted a FTC complaint reporting the information i am not familiar with. 

Please find attached a copy of my ID.The FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach and a Validation of debt Letter
Product: Credit card or prepaid card

Chase runs a promotion for XXXX XXXX back on the Freedom credit card. I activated the promotion and spend {$1500.00} in the bonus categories for the period XXXX 2018, and Chase is denying that I ever activated it. They will not issue the bonus points.
Product: Debt collection

I did not create this debt. Someone I was involved with did this. He created several in my name. I mentioned and explained this to XXXX XXXX. I disputed this several times now and they take it off and put it back at their own convenience. Now, they are just demanding I pay when they have provided no proof to my ownership of this credit card debt. It keeps going back and forth. I am tired of this at this point.
Product: Mortgage

In XX/XX/XXXX/XX/XX/XXXX I called our mortgage company, Chase to ask about any programs that could lower our monthly mortgage payment. Our financial situation was changing and I was looking for ways to adjust our budget while we considered a long term solution. I asked about just making interest only payments but was told I could not make partial payments. I spoke to several different people in the beginning because each time you called the customer service number you got whoever answered the phone but eventfully I was told I needed to start missing payments to qualify and not just pay them late. I did get a packet to apply for Chase 's Mortgage assistance program which I mailed in using their prepaid envelope. But they didn't receive it, so then I faxed a copy to them in XX/XX/XXXX. But before I heard anything back from them I received a letter saying they would no longer be servicing my loan as of XX/XX/XXXX. That was the last I heard from them until XX/XX/XXXX when I received a letter from Chase telling me they may have made an error while we serviced your loan that could have extended the document collection period during our review of your application for mortgage assistance. We've enclosed a check for {$100.00}. as compensation. When XXXX took over in XX/XX/XXXX they wanted over {$5000.00}. to bring my account current or they would start foreclosure actions against me. Chase may not have had any control over what transpired after they transferred to another servicer but they sure had a hand in getting the ball rolling. Your customer service did not handle this correctly right from the start by giving misinformation, by misplacing documents, by not keeping me correctly informed about the status of my application. I was never denied anything, never asked for more documents or information just transferred. In XXXX you contacted us to give us a rate reduction because we paid on time ; had a very good credit rating and our LTV ratio was low. Within 30 days it was done and with no closing cost although I didn't think it was a great financial decision my husband was happy that the payment was lower. So what happened this time? It has cost us over {$9500.00} so far to keep my home from being sold at a sheriff sale. The loan value of my home has gone down because it's in foreclosure. We are trying to sell but it's been difficult since most home buyers don't want the uncertainty of a foreclosed home or they are investors who want to purchase at way below its value. And our credit rating has dropped considerably.
Product: Credit reporting, credit repair services, or other personal consumer reports

A deliquent account was placed on my Experian credit report by XXXX. I do not know what this is for. It says it was sold to them by vivint. I am unaware of any outstanding balance or issues with vivint. I had a vivint account 5 years ago and the account was closed on XX/XX/18 and I have the documentation for this. I have received no bills or statements from anyone regarding vivint over the past 5 years. I have disputed this with Experian but they report it is valid but have not provided me any information as to why they feel it is valid. I have tried to contact XXXX and XXXX but they are unable to provide any information to show what this supposed debt is for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have done a verbal complaint on this inaccurate debt. And also have done a written dispute. The company did not fix the error and did not respond to me about the situation. I called them today and they told me they finished their investigation but they did not notify me of that
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Debt collection

I paid on this account, and it did not report to any of credit agencies that i made a payment, but did report negative information, XXXX acct number Jpmcb account /chase, I have disputed 4 times that i have made a payment and You have not updated my account. I have copied a screen print of me paying the account, THis would have moved my credit and showed that I had paid on this account like I told my potential employer I would. It did not reflect after 3 tries and they did not give me the job. The job was {$98000.00} a year. I am now headed to my lawyers as you will be one of the parties directly liable for me not obtaining my job. I have requested you take JPmcb off of my report because they are not accurately reporting my payment for the 3rd request. Please take them off of my report asap or I will have to get a lawyer for recourse. Thanks My number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This concerns XXXX XXXX. They are showing 30 day late payment on two bureaus and an incorrect balance on 2 bureaus. I paid myXX/XX/XXXX payment which was dueXX/XX/XXXX on XX/XX/XXXXwhich was one day late, not 30 days late. They reported to XXXX that I was on time. They reported to XXXX  and Trans Union that I was 30 days late in XXXX. I caught the account up in XXXX and can not have them showing 30 days late when i was not. Also, XXXX and XXXX show a balance of {$17000.00} which is incorrect and TransUnion shows a balance of {$13000.00} which is correct. I made 4 payments in XXXX and XXXX to catch up. XXXX XXXX told me that they had a system update in XXXX and could not report untilXX/XX/XXXX. That was 4 months of non-reporting and when they did report, they reported something inaccurate to each bureau : either the balance or a 30 day late payment. I most recently spoke with XXXX today ( XX/XX/ ). They tell me they reported and can not correct until the XXXX report. This is hurting my credit score, increasing interest amounts on anything I want to buy on credit and a low score could impact a job offer. Please assist me in solving this issue.
Product: Credit card

I purchased a puppy. The contract was signed which is attached labeled " puppy warranty ''. No where in the document does it state a return policy. I had an issue with my senior dog being aggressive, contacted the company via XXXX and explained. They advised to bring the dog back. ( conversation attached ). they then only reimbursed me 50 % of the price. I left before an altercation started. I came home to file a credit card dispute. The dispute with Capital one was first filed in XX/XX/XXXX. XX/XX/XXXX I receive a letter stating they decline the dispute. The Merchant, altered the contract and added a return policy and submitted to capital one as evidence. I immediately called capital one again and escalated to a manager. After a 3 hour conversation, the manager finally compared the contract and agreed! She re-submitted the credit card dispute. That was XXXX XXXX. Now we come to XXXX XXXX and I again receive the same message. This time no additional evidence from the Merchant, but Capital one again looking at only their contract. I attempt to escalate to XXXX different managers asking them to look at the documents and compare them. All tell me I signed a return policy. I have been a perfect paying customer of theirs for years, now have no other option as I have proof of what I signed to wait to go to court. I do not owe {$890.00}
Product: Student loan

I had changed my monthly payment to more than double the original amount so that I could repay my loan more quickly. Two months later they sent me an e-mail stating that they had lowered my monthly payment amount. Then when I called to reverse the change they said that they could not guarantee that the change could be made by the time my next payment was due. 
I was also informed that I would probably not be able to use my regular method of payment. Because the virtual bank card I use falsely classifies itself as a " pre-paid credit '' card I will probably not be able to use it to pay my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Requested and received preapproval for auto loan from  XXXX  on  XXXX / XXXX / 2017 . Bought car from   XXXX   XXXX    XXXX   XXXX   XXXX ,   XXXX    XXXX , MO  XXXX , (  XXXX  )  XXXX . Dealer had participation agreement with  XXXX  for purchase so no need for additional inquiries to be ran. Did NOT authorize additional inquires. Dealer ran inquiry through their system on  XXXX / XXXX /   17  without authorization. Also ran  XXXX  additional inquiries thru  XXXX  portal without concent on  XXXX / XXXX / 17  and  XXXX / XXXX / 17 .  XXXX  stated they only initiated inquiry on  XXXX / XXXX / 17  which we agree. the other  XXXX  are invalid, did not consent for  XXXX / XXXX / 17  and  XXXX  on  XXXX / XXXX / 17 . all  XXXX  should be removed.     I talked to th e Finance Manager  at  XXXX   XXXX  and he said he had to run report due to liability. We did NOT concent to inquiry since we already were preapproved thru  XXXX .
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and addresses I do not recognize are continued here. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened a TD Bank Convenience Checking account in XX/XX/XXXX. The purpose of the account was to track expenses related to an insurance claim. I initially deposited {$100.00} into the account and subsequently added {$1500.00} to ensure I met the threshold for keeping the account free of fees. 

TD Bank closed the account without notifying me. I only discovered it was closed when I called to ask about a debit card for my husband who I added to the account. The service rep on the phone explained that the account had been closed but could not tell me why. He then directed me to go to the branch to discuss the account and retrieve my funds. 

I went to the TD Bank branch located in XXXX CT on XX/XX/XXXX to retrieve the funds. I was told that they could not give me my {$1600.00}. They told me quote " call this number to see if they will give you your money back ''. They gave me a number XXXX which I attempted to call several times, however the message at the number only directs you to leave your number and information and they will get back to you. 

I also tried calling the TD Bank customer service number as well as the number for fraud listed on their website. I was told that the account had a {$0.00} balance.