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

Synchrony Banks own website is still not correct. I did exactly what Synchrony Banks website says to do to make a payment. Synchrony Bank negligently mishandled my previous XXXX  XXXX XXXX Cashier 's Check and lost it. Synchrony Banks Representative answered previous complaint providing me with new address to mail my payment. I want to be clear. Where do I mail my replacement payment? I don't want a repeat of the last 90 days of Synchrony Banks negligence in mishandling my previous payment. Also Synchrony Bank did not refund me enough money to cover fees to stop payment of XXXX  XXXX XXXX Cashier 's Check that Synchrony Bank negligently mishandled and lost, and it's replacement. The fees are {$35.00} to stop payment and {$15.00} to reissue.
Product: Mortgage

I have a court case with the United States District Court XXXX XXXX XXXX XXXX Florida. Please I need your assistance to schedule jointly proposed by parties. Please if you can have a mortgage broker attorney and or real estate attorney to review all the exhibits on file with CFPB including this latest exhibits A, B, C, D, E and F. This is URGENT! Because Select Portfolio Servicing has bad faith practice in improper payments and not applying my mortgage payments to the account also improper escrow/fees and improper lates fees charges. Therefore making my account be falsely delinquent when it is not the delinquent status as stated on mortgage statement. SPS has failed to monitor and apply my payments accurately, they are all over the place they do not know what they are doing. Because I continue to get different improper escrow analysis which is incorrect. Please Im asking the Court or CFPB to freeze this account with Select Portfolio Servicing because they are causing harm to me as the consumer by misleading and misrepresenting my mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with a fair credit reporting act XXXX  account XXXX XXXX XXXX amount of XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights : Protection of consumer credit rights XXXX5 66. ( 1 ) A credit provider must not, in response to a consumer exercising, asserting or ( a ) discriminate directly or indirectly against the consumer, compared to the 40 credit providers treatment of any other consumer who has not exercised, asserted or sought to uphold such a right ; ( b ) penalize the consumer ; ( c ) alter, or propose to alter, the terms or conditions of a credit agreement with the consumer, to the detriment of the consumer; or ( d ) take any action to accelerate, enforce, suspend or terminate a credit agreement with the consumer. 
( 2 ) If a credit agreement, or any provision of such an agreement is, in terms of this Act, declared to be unlawful or is severed from the agreement, the credit provider who is a party to that agreement must not, in response to that decision- ( a ) directly or indirectly penalize another party to that agreement when taking any action contemplated in section 61 ( 1 ) ; seeking to uphold any right set out in this Act or in a credit agreementXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX ~ ~ ~ ~~ ~ ~~ ~~ Act No. XXXXXXXX XXXX XXXX XXXX XXXX ( b ) alter the terms or conditions of any other credit agreement with another party to the impugned agreement, except to the extent necessary to correct a similarly unlawful provision ; or ( c ) take any action to accelerate, enforce, suspend or terminate another credit agreement with another party to the impugned agreement. XXXX Part B Confidentiality, personal information and consumer credit records Conflicting legislation 67. In the case of an inconsistency between a provision of this Part read with any relevant definition in section 1, and a provision of the Promotion of Access to 10 Information Act, 2000 ( Act No. 2 of 2000 ), the provisions of this Part and that Act apply concurrently, to the extent that the provisions of this Part are not excluded in terms of section 5 of that Act.

Right to confidential treatment 68. ( 1 ) Any person who, in terms of this Act, receives, compiles, retains or reports any 15 confidential information pertaining to a consumer or prospective consumer must protect the confidentiality of that information, and in particular, must- ( a ) use that information only for a purpose permitted or required in terms of this Act, other national legislation or applicable provincial legislation; and ( b ) report or release that information only to the consumer or prospective 20 consumer, or to another person- ( i ) to the extent permitted or required by this Act, other national legislation or applicable provincial legislation; or ( ii ) as directed by- ( aa ) the instructions of the consumer or prospective consumer; or ( bb ) an order of a court or the Tribunal.

in relation to this section, is an offence.

25 ( 2 ) Failure by a credit bureau to comply with a notice issued in terms of section 55,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I did not authorize the following inquiriey : XXXX XXXX  XXXX via XXXX XX/XX/
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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, a auto loan account with XXXX XXXX on XXXX, XXXX under the account XXXX, a XXXX XXXX  personal loan account on XX/XX/XXXX under account XXXX, a telephone account with XXXX XXXX on XX/XX/XXXX under account XXXX, another credit account with XXXX  on XX/XX/XXXX under account XXXX, another XXXX XXXX on XXXX, XXXX under account XXXX, and XXXX XXXX on XX/XX/XXXX showing no-account. These accounts have resulted in several fraudulent hard inquiries 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 nams. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned acoounts, 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, are the result of identity theft and fraud, i have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy and completeness of my consumer report that you have provided to me and other parties who have received this report. I believe that my consumer report is not in compliance with the laws set forth by the United States Code ( USC ) governing consumer reporting agencies. 

Specifically, I believe that the information contained in my report is inaccurate, incomplete, and misleading. This inaccurate information is harming my ability to obtain credit, employment, and other important opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies like yours are required to ensure that the information contained in consumer reports is accurate, complete, and up-to-date. The FCRA also requires that consumer reporting agencies investigate any disputes that are submitted by consumers like myself. 

I am requesting that you investigate the inaccurate information in my report and take steps to correct it. I am also requesting that you remove the accounts listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your attention to this matter. I look forward to hearing back from you. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I downloaded my report from Experian and you have my social security number wrong. The last number is NOT CORRECT
Product: Mortgage

Today, XXXX XXXX, XXXX, I have included by voluntary dismissal filed in XXXX County Georgia litigation against SPS. I really would like SPS to answer my questions before we attempt to negotiate a settlement. 

So please answer my questions. I am again requesting a criminal investigation with you, among other investigative institutions for breaches of contracts well before you started servicing this loan. 

This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. I requested the name of the Securitized Trust that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX XXXX Company as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XXXX XXXX, XXXX and could not sign or transfer any documents or Assignments ( As attached ). XXXX XXXX XXXX then with a limited power of attorney from the FDIC than awards my house back to XXXX XXXX XXXX. Signed by XXXX XXXX XXXX employees. Notarized by a XXXX XXXX friendly Notary. 

Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XXXX XXXX, XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXXXXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. I have sent a QWR asking basic accounting questions about records which SPS does n't seem to have. 

I also challenge the P & A agreement Chase uses to validate authority from XXXX to foreclose. I question the assets actually acquired by XXXX which then sold/transferred to SPS. 

Please answer these questions before the CFPB so that we can move forward one way or another.
Product: Credit reporting or other personal consumer reports

There are 4 companies reporting inaccurate information on my credit report I reached out to all the companies and disputed them with the 3 credit companies. I ask each company for a validation of the debt and never received the information. 


XXXX XXXX XXXX date opened XX/XX/XXXX {$420.00} XXXX XXXX XXXX ( date opened XXXX XXXX XXXX XXXXXXXXI.C systems Inc XXXX date opened XXXX XXXX  {$800.00} XXXXXXXX XXXX XXXX XXXX date open XX/XX/XXXXXXXX XXXX {$1700.00}
Product: Debt collection

I have filed two disputes with Diversified Consultants/XXXX for reporting false information on my credit report. I have spoken with them after first dispute was turned down. I have emailed them proof debt is not owed and tried to call them again and have been unsuccessful in getting through to them, I filed a second dispute and was turned down a second time in having this removed from my credit after providing proof that the account was paid in full and all equipment returned when it was closed on XX/XX/2018 at XXXX XXXX   at the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL. 
This should never have been placed on my credit and it is wrong in so many ways how much of my time is having to be used to have this fraudulent claim removed from my credit because it was never owed and was satisfied the day account was closed. However, it was so easy for them to put it on my credit, without so much as a warning to me. I was never even notified that XXXX was claiming a bill because I was never notified by phone or mail of this claim until it was placed on my credit. They have received proof nothing is owed but it is still fraudulently on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I want to file a complaint against Cash App ( Block Inc ) due to inadequate customer service and unfair practices which violates the consumer financial protection act. Cash app failed to provide timely measures to protect my account leaving it vulnerable and unprotected. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic funds transfer. This was a great financial loss and I seek appropriate redress for this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report through Experian on XX/XX/2022 which reported my credit score as XXXX. I then submitted an auto loan application through XXXX  XXXX XXXX on XX/XX/2022 based on my Experian report. Experian then reported my credit score as XXXX to Bank XXXX XXXX XX/XX/2022. I routinely check my score through Experian and there had been no changes to account for the discrepancy. 

I contacted Experian through their customer service number and was not allowed to speak to a customer service representative to report/correct the issue. To make matters worse, the Experian automated system does not allow the user to report an error such as this. 

Experian 's own website/application reported my score to me as XXXX which I relied upon as being accurate when I sought an auto loan. Experian then reported my score as XXXX to that lender. All of this was the same date and time.
Product: Debt collection

{$2700.00} XXXX XXXX Contract was canceled. The original creditor sold the account to another agency and wrote it off on their corporate taxes as a loss and therefore, they have no claims against me.
Product: Mortgage

We received an escrow analysis indicating that we have a shortfall and upon review of the analysis we discovered that our PMI ( RBP ) insurance payment increased more than 22 % beginning the month of XX/XX/XXXX ( highlighted on included documentation ). We called the customer service and spoke with XXXX and she explained to us that it increased because the value of our home increased. Surprised by that answer, I told her that my hazard insurance covers my property not PMI. If my property value increased, then it makes sense that my hazard insurance will as well, as it does from time to time. I explained that my loan value ( which PMI insures ) is actually decreasing over the length of the loan and PMI should decrease accordingly. She replied reaffirming that " the property value '' is what she was told as to the reason. Unsatisfied, I requested to speak with someone else, but was told someone would call us back. Never heard back and thus, this complaint. I would just like an explanation as to the increase in my PMI for the months in question ( XX/XX/XXXX - XX/XX/XXXX ) and an adjustment as appropriate.
Product: Credit reporting, credit repair services, or other personal consumer reports

These credit bureaus are reporting inaccurate information XXXX, Equifax and XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Synchrony Bank toward me as a consumer have been treating me and affecting my credit wrongfully. I received a letter dated XXXX ( attached ) I opened this card through Lowes back in XX/XX/XXXX. I have not used the card since. 
Synchrony has treated me very unfairly and rude. They lowered by credit line " twice '' to what I owe on it and for no reason and negatively affecting my credit score. My payments have been made every month and I am on automatic payments now. Now again this month, XX/XX/XXXX, they lowered it again to what I owe on it for no reason. The letter states these reasons which are highly mannered to attack consumer for no good reason : *High ratio of balance to credit limit over the last 3 months is too high on this account. *The ratio of last payment to amount due is too low. *The number of months since the account was opened is too low. *The average payment on this account over the last 6 months is too low. Again, I have not used this card since almost a year ago and they have been constantly monitoring my credit and mishandling my credit bureau score. They have lied on the letter about my score which is XXXX XXXX lower than my actual score. I spoke to a XXXX who would not give me his last name or any other ID today and complained to him about this letter I received and the reasons they gave are completely wrong and inaccurate. He stated they do quarterly reviews of my credit report. I told him the reasons on this letter are wrong. Every month my minimum payments are made and these payments have been put on Autopay also. So these reasons are completely inaccurate and I advised they are affecting my score negatively every time they pull down the credit line which I was originally given XXXX and they decreased it to what I owe TWICE for NO GOOD REASON!!! I have not used the card since XX/XX/XXXX LAST YEAR and I have been making every monthly payment since!!!!! This bank is screwed up. Also, they are now adding a monthly charge of XXXXXXXX XXXX XXXX to your balance owed for paper statements if you don't opt out of paper statements.
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. 

Account name : XXXX. XXXX  XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX  Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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.
Product: Checking or savings account

I have filed several disputes and each one was denied in 2022 I was XXXX XXXX sent chime my information of me being XXXX XXXX  at the time of the dispute and still couldn't get my money back. I have been with chime for years and lost money and took as a lost because they say the investigation showed no error occured
Product: Credit reporting or other personal consumer reports

been disputing this for almost a year now and asked for proof as well as I've called and stated to them that I NEVER reopen a loan up, was told that they had a employee at that time was reopening old customers account and taking the money. they were suppose to take care if the problem but years later u see its still showing on my report.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

was promised by mr. cooper finance company as part of the agreement to refinance my loan that they pay off an existing loan I had with XXXX XXXX in the amount of XXXX dollars but they did not pay that and when I call them I get no answer and no return call from them. mr. XXXX XXXX was the man who promised me this. loan # XXXX