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

This is in reference to my CFPB complaint that I filed against Synchrony Bank and it's Collection Agency XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/2023. 

Please reference case number XXXX. 

Today I received notification that SYNCHRONY Bank placed a NEW balance owed mark on my credit report AFTER they sold my Debt to XXXX XXXX XXXX XXXX. This is in violation of the Fair Credit Reporting Act. Once the Debt is sold, Synchrony can no longer report to the respective Credit Bureaus. I will attach the screen capture from XXXX to this complaint. This is the information in the entry submitted today. 

Lender : SYNCB/CAR CARE PEP BOY Current balance : {$2600.00} Account number : XXXX... 
Credit limit : {$1500.00} Amount over limit : {$1100.00} This reporting by Synchrony is obviously in retaliation to my filing a complaint, ref : XXXX, to the CFPB. While I am not a lawyer, I am fairly certain this is illegal.
Product: Credit reporting or other personal consumer reports

Tuesday, XX/XX/year> All Three Credit Bureaus My Information ( my name ) XXXX XXXX XXXX ( my address ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( my telephone number ) ( XXXX ) XXXX XXXX ( my employment ) XXXX XXXX XXXXXXXX XXXX ( my E-mail ) XXXX all three credit bureaus please remove all of my personal information history because I'm trying to eliminate identity theft so please remove everything else use the info up above. 
I need for you to remove these creditors from my credit history these are fraudulently obtained accounts please remove. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Sincerely XXXX XXXX XXXX I'm not liable for this debt with I do not have a contract with the credit agencies filing this report this was fraudulently obtained by identity theft they did not provide me with the original contract as requested
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account # XXXX, Account name 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 section 604 A Section 2 : it Also States a consumer Agency can not furnish a Account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Truth Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX , and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done DEPTEDNELNET can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If DEPTEDNELNET reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I don't know who is reading this I would like to make you aware that your company is in complete violation of the FAIR CREDIT REPORTING ACT. These Federal laws were created so that there is a guide to abide by. I am disappointed that your company is not following proper protocol when it applied to The AUTO-MATED REINVESTIGATION SYSTEM. 15 USC 1681i ( a ) ( 5 ) ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of an investigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. Why is it that There is another Credit Reporting agency that has removed an inaccurate item from my consumer report, but you are not upholding the same accuracy? This item has been investigated and the results have been shared with you, please remove these items immediately. Your Willful Compliance is a violation and is subject to a {$1000.00} payout for your negligence.
Product: Mortgage

Shortly after purchasing my first home I received a letter from a company by the name of XXXX. This letter, a copy of which is attached to this complaint, claimed that I was " paying too much on my mortgage '', claimed I could save up to {$100000.00} in interest, claimed to provide a " simple, logical '' payment option for my new mortgage loan, and stated it was a limited time special offer. However, the letter did not list any payment processing fees or enrollment fees. I called XXXX XXXX on XXXX XXXX, 2015 to obtain more information from them, and their representative advised me there would be a {$1.00} - {$2.00} processing fee for every payment ( XXXX payments x {$1.00} = {$45.00} minimum per year ) as well as a " startup charge '' between {$190.00} - {$490.00} After asking if I could simply add XXXX of my monthly principal and interest payment to regular monthly payments in order to equal 13 monthly payments and achieve the same results, their representative advised me it " should be an option provided '' by my servicer but seemed to dissuade me from doing so. I believe XXXX has misrepresented the interest savings I could achieve through their program, has mislead me about the cost of the program, and offered me a deceptive program in which I in no way requested materials on. The same interest savings can easily be achieved on my own, and involving them in my mortgage payment process would actually make it more complicated and illogical.
Product: Debt collection

There is a Collection Debt from Jefferson Capital that I have XXXX knowledge of. The amount is {$3300.00}.
Product: Credit card

On XX/XX/year> I placed an online order through a store named XXXX XXXX  that was listed on XXXX. I purchased a grill in the amount of XXXX. I received a confirmation email of the order with order number XXXX. After that all correspondence from the company ceased. No item was ever shipped. Upon trying to contact the business via the phone number listed I learned the number was to an auto car dealership out of Texas. I checked the address listed of the business and it too did not come back to the business. I filed a fraud with Sofi Credit after discovering I had been scammed and the website to the so called business was fraudulent. Sofi conducted there " investigation '' and closed it out. They determined it was not a fraud because I placed the order and entered my credit card information. They further stated this was a dispute with a merchant but since the case was investigated as a fraud they could and charge was reversed they could not reopen the case again. I informed them numerous time that I did not authorized a fraudulent company to charge my credit card and steal my money. The website was a scam site and I was defrauded. SOFI fraud department refused to help me stating this was a dispute with a vendor and since I filed it as a fraud there was nothing I could do. The website to this fake merchant XXXX no longer exist and had been taken down. They are no longer on shopify and nowhere to be found. I explained to Sofi customer service on numerous occasions and told them the phone number listed was not valid and neither was the business. I had customer service agree with me, a manager agree with me, reopen the case multiple times and even had it escalated. The second it gets to the fraud department it is closed out. I was even told by a Sofi dispute department manager that it's like XXXX XXXX and basically buyer beware. That is so unacceptable. Anyone with any sense could tell I was obviously scammed. This is clearly a fraud yet Sofi hangs it's hat on semantics claiming it's not because I made the purchase. A purchase on a fake website for an item I never received. This is not how I know XXXX operates and I know they actually fight on behalf of their customers. Sofi then referred me to XXXX since they processed the transaction. Stripe does not deal with customer disputes and referred me back to Sofi. I need help resolving this. It is evident I was scammed. I should not be held responsible for this charge. Yes I entered my info and tried to buy a grill, but I never authorized a fake business to charge my card and never send me anything.
Product: Credit card

On XX/XX/XXXX, I received notifications from my credit bureus that my Venmo credit card account has been closed. I called Venmo credit card to find out why this happened and they said I am " high risk for failure to repay. '' I talked with the rep who could not provide reasoning. I had a BK almost 3 years ago. I got this credit card a year ago so they were well aware of the BK. Since the BK, my credit has been SPOTLESS. Never late anywhere, never missed a payment anywhere, never went over the limit anywhere, always paid off balanced everywhere. Loans have all been paid on time without fail. I asked how am I at risk for not repaying when my balances are ALWAYS {$0.00}. An answer couldn't be given. I want my credit card and limit RESTORED.
Product: Credit reporting or other personal consumer reports

onsumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Trans union credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX  XXXX, XXXX XXXX {$24000.00} XXXX XXXX XXXX  {$25000.00} These accounts have resulted in several fraudulent hard inquiries XXXX XXXX ( Miscellaneous ) XXXX XXXX ( Finance ) XXXX ( Bank ) XXXX  XXXX XXXX ( Auto ) and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud
Product: Debt collection

This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I sent goodwill letters to the CEO of XXXX XXXX regarding late payments on my credit card account from XX/XX/XXXX to XX/XX/XXXX. The reason for the lateness was because of financial hardship due to being laid off and the unemployment extending longer then expected. In both attempts in requesting to have these lateness removed I was denied my request. I have been a loyal customer of XXXX XXXX since XX/XX/XXXX and this is the only time I have ran into this issue. Since XX/XX/XXXX I have been paying this account on time and have not have a late payment since as well as had a car loan account with XXXX XXXX which was never paid late.
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost i have been dealing with this issue for months now as while as numerous other problems with this company Equifax have horrible customer service I have spoken with numerous of different customer service representative and supervisors with in this company and they all give me the same exact step to take in order to get these fraudulently items off. I have not apply for any of this items they say the investigated and I came back accurate once I fill a complaint but they have not provide with any results of an investigation. Tell these places to prove proof of identity that it like a copy of State identification card that is required in order to apply for any line of credit please conduct a proper investigate or remove theses fraudulent inquires!!! Then the response time always take more than 30 days very horrible customer service I have reached out to Equifax numerous times about this issue I was talked to very rudely and i told to take these steps a second time by a supervisor within the company I have been a victim of fraud someone has been trying to open up accounts with my information I have listed the ideas below please help me resolve this issue once and for all These are the inquires 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 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had an account with XXXX in XX/XX/XXXX this was previously disputed for XXXX $ $ because at & t sold their towers in the area of my employer so my father and I whom both work here could not receive any phone calls while in our job, XXXX agreed and deleted it from our credit report. Now they 're saying I owe a combined about of XXXX sounds like XXXX is trying to combine the XXXX XXXX my father and I owed for termination onto my report only.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I hhave the riight to privacyy 15 USC Section 604 States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX repossessed our vehicle voluntarily in 2005. XXXX got the vehicle but still maintains we own money XXXX {$13000.00} XXXX on the vehicle and has placed it on our credit report as a write off. We want the matter closed, credit for the vehicle 's value and a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

credit bureau keep reporting inaccurate information on my credit file. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : XXXX has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 

In accordance with the Fair Credit Reporting Act XXXX  Acct # : has violated my rights XXXX U.S.C XXXX section XXXX A. states I have the right to privacy. XXXX XXXX XXXX section XXXX A section XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

All XXXX  accounts are not reporting the same with all three credit Bureaus XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXExperien shows XXXX XXXX as paid for less than the full amount Whereas XXXX shows this same account as charged off. XXXX shows the same account as payment after charge off collection. 

***XXXX shows XXXX as no more than 4 months past due. Whereas, Experien shows legally paid in full for less than full amount. XXXX shows the same account as 90 days past due. 

***XXXX shows XXXX XXXX charged off. Whereas Experien shows shows lthe same account as XXXX paid in full for less than full amount. XXXX shows XXXX as payment after charge off as collection. 

***Experien shows XXXX XXXX as charged off, where as XXXX shows it as charged off as a bad debt.` In addition, 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 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 1681 section 602 A states I have the right to privacy.
Product: Mortgage

My wife and I submitted a mortgage modification request to Nationstar Mortgage in XX/XX/XXXX, due to decrease in income for Husband 's job. Nationstar did not provide a response to our modification request until XX/XX/XXXX, 1 year later! 
A " sham '' modification was offered wherein a {$8000.00} up front payment was required along with a reduced monthly payment for ONLY 2 years. 
My wife and I appealed the " sham '' modification offer to Nationstar 's Appeals Division. Nationstar did not respond until XX/XX/XXXX, rejecting our Appeal. We, then, accepted the Modification Offer and Nationstar rejected the offer and said a {$14000.00} up front payment was required, with only a two-year " sham '' modification. 
They then sent correspondence in XX/XX/XXXX, wherein they said they were " reconsidering '' the modification offer.