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. 


XXXX XXXX XXXX XXXX- Has violated my rights XXXX XXXX - {$3400.00} - Has violated my rights UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XX/XX/XXXX- Has violated my rights XXXX XXXX XX/XX/XXXX - Has violated my rights XXXX XXXX XXXX XX/XX/XXXX - Has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Payday loan, title loan, or personal loan

On XX/XX/2021, I applied for a Care Credit Loan online. After submitting the information online, the screen said that more information was needed. The next day, I tried to continue the application and through an app and I was made to show my ID and take a photo of myself. After that, the credit was denied. When I called Care Credit, they referred my Synchrony, the main lender. I was told that no representative could give me information about why my account was denied and I would get something in the mail. As of XX/XX/XXXX, I haven't received anything in the mail. I did get an email saying it had my Synchrony credit results. When I put in my information, the page said there were no results for my inquiry and there was no contact information to follow up with the email. When I called Synchrony again to inquire about the denial and the lack of information in the email, no one would help me or give me any information. I believe they are violating the Trust In Lending Act by not giving timely results of my credit score. In addition, I have a Synchrony account with an Old Navy Credit card and my account is in excellent standing. That account was acquired when I made less money and had a lower FICO score but I wasn't required to show ID or give a photo. Asking for a picture of my ID and of myself then being denied feels discriminatory because I have good credit and a steady income. I would like this issue to be investigated to see if Synchrony violated TILA and/or if I was discriminated against because of my race.
Product: Debt collection

Transworld communication is pursuing a debt that was originally disputed and removed off my credit report on two different occasions. This company knows the debt is not valid but insisted to still pursue and use unlawful tactics towards me about a debt I haven't accumulated. This debt was originally under Adjustments mercantile collections before it was disputed and resulted to deletion off my credit report for inaccuracy I am a " XXXX '' of my father whom holds the same name. He has used my name in the past for opening accounts fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME 2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Product: Vehicle loan or lease

My XXXX XXXX XXXX was repossessed in XXXX of XXXX and sold without proper notice to me. The only notice I was given was through the online customer portal on XX/XX/XXXX, when the car was sold on XX/XX/XXXX. I do not believe any effort was put forth in seeing the vehicle for a reasonable price. My balance was over {$21000.00} and the car was sold for {$6000.00}, leaving me with a deficiency balance of over {$16000.00} after repossession fees. This is after already paying close to {$4000.00} with a down payment and monthly payments. I do not believe I should be responsible for this deficiency balance, as the amount the vehicle sold for is extremely low. XXXX XXXX XXXX  values that vehicle at upwards of {$10000.00}.
Product: Credit card

I reserved a car on my daughter and so n't behalf through XXXX for pick up at XXXX for XXXX XXXX. My reservation was for an economy XXXX or XXXX door XXXX XXXX or similar. Total cost was {$140.00} plus taxes and fees of {$79.00} ( all inclusive ) for a total cost of {$220.00}. 

My daughter arrived at XXXX on XXXX XXXX around XXXX and was told there was no economy car available but she could be upgraded to the next level auto at NO charge. She asked THREE times for the agent to confirm that she would not be charged any additional fees for the upgrade, extra insurance, etc. She assured her there would be no additional charges of that kind. She reviewed the screen she was presented, which showed the charge of {$220.00}, and signed a signature pad. 

The next day, she stopped at a XXXX in XXXX, IL to exchange the car. There was a problem with the fuel system/engine. It had taken half a tank of gas to drive from XXXX to XXXX, IL ... a distance of about XXXX miles. The car also had the distinct odor of XXXX. She signed an agreement for the exchanged car. 

She arrived promptly on XXXX XXXX to return the car to XXXX at XXXX. It was on time, there was no damage, and the gas tank was full. At drop off, the agent swiped my son 's Citibank MC on a mobile device. ( He is an authorized user on my account ) When they got to the terminal, they reviewed the paperwork and noticed the price difference between the original reservation and what they were charged. They were charged {$230.00} for the rental and {$110.00} in taxes and fees for a total of {$340.00}. 

I called XXXX but was told the upgrade was authorized. IT WAS NOT. It is clear that the screen my daughter was shown did NOT include the upgrade charges -- which again, she was told would be FREE. Either the screen had not been updated prior to her signing or the agent changed the contract after she signed. 

I contacted Citibank to dispute the price difference of {$120.00}. Citibank received a copy of the contract from that rental. The contract was unsigned. I asked for a copy of the charge slip my son signed, authorizing the charge, but Citibank refuses to produce it. 

Citibank states that the unsigned contract sent to them by XXXX is proof enough of authorization. I maintain it is not and want my account credited the overcharged amount of {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my credit report that do not belong to me
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I Zelle the wrong persXXXX XXXX XXXX I tried to dispute it though the bank but nothing was done for me
Product: Debt collection

I am being sued in civil court in XXXX XXXX Ohio by XXXX XXXX also known as XXXX XXXX XXXX and their legal servicer, Stenger and Stenger. The account in question, ending in # XXXX is the result of identity theft, of which I am the victim. Resurgent, XXXX XXXX and their affiliates/ attorneys, Stenger and Stenger have failed to act in good faith with regards to providing me any kind of documentation that Ive requested, including an affidavit of fraud. Neither XXXX XXXX / XXXX or Stenger and Stenger have responded to my requests for validation of the debt or my numerous requests that they investigate this as fraud. They have not followed through and cooperated in any attempts to prove this debt is invalid and fraudulent. On XX/XX/2022 I spoke with Resurgent rep XXXX in their fraud department who admitted that they had received my requests but they had not acted on them as of yet. XXXX then assured me that they would send me the affidavit of fraud to fill out along with all of the other documentation I had requested. She told me that I must wait to receive the affidavit from them and that they would not accept a generic affidavit of fraud from any other source. As of today, XX/XX/2022 I have yet to receive the affidavit of fraud I was promised. They refuse to validate the debt as per the Fair Credit Reporting Act. They are using the court system to basically force me into paying them for a debt I do not owe by not cooperating in hopes I will give up and pay them. Resurgent, XXXX Funding and Stenger and Stenger have all failed to follow up and answer my requests to investigate this account as fraud as per the Fair Credit Reporting Act. They have failed to provide me with an affidavit of fraud to fill out to move this along to be investigated as fraud. Their failure is negatively impacting me and needs to be resolved as soon as possible.
Product: Mortgage

My home was purchased with 11 % down payment in XX/XX/XXXX. In XX/XX/XXXX, I tried to have the PMI removed as my home value had risen significantly, first due to some improvements and updates I made to it and secondly due to the general rise in home prices. Because I had refinanced ( XXXX XXXX  was Investor ) in XX/XX/XXXX, the servicer said that I still had to wait for the loan to be seasoned for 24 months even though I sent a check for the re-valuation of the property. 

Early XXXXXXXX the servicing company changed from XXXXXXXX XXXX to Freedom Mortgage. I waited until after 24 months had passed and in XX/XX/XXXX, I contacted the new servicer to have the PMI removed as by now my property LTV was about 66 % by conservative estimates. 

The servicer, Freedom Mortgage told me in written and on a call that the PMI could only be removed if I paid down the mortgage per the directive of the loan Investor. I informed them that I chose that particular loan because I knew for a fact that it was a loan that I could remove the PMI after the threshold was met. I asked the representatives from Freedom Mortgage if they could give me or show me the process for removing the PMI, and they said I should send about {$29000.00} to them to pay down the mortgage, that it was the only way to remove the PMI. I told them that was not true and that I was going to file a complaint with the CFPB as well as formally appeal their decision, which had no valid basis. I further told them that I hoped my complaint at a minimum will help regulators to force loan services to publish information on criteria and steps to be taken by borrowers who want to remove the PMI from their loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : Recently I viewed my credit reports and realized that there was a derogatory account reporting on XXXX and Experian. I have no recollection of ever opening this account and believe it to have been opened fraudulently under my name. 

I do have, and am very happy with, an open account with XXXX XXXX My only concern is the account that appears to have been opened in XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are XXXX  consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an XXXX company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE im XXXX now
Product: Checking or savings account

XXXX overdraft, closed, account wouldn't let me open back up
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXXXXXX 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 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 that are reported 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

Issue # 1 I sent in a check for XX/XX/XXXX. The mortgage company said they never received it. Mortgage company sent me a letter in XX/XX/XXXX to say they did not receive my payment. I initiated a letter to question why they did n't receive it and sent a check for two payments, XX/XX/XXXX & XX/XX/XXXX, certified. I contacted the mortgage company about a week later to verify they received my payment. The mortgage company stated they did not receive it. They gave me a hard time when trying to make the payment, then transferred me to an account manager. Again, I went through a lot of hardship about my payment. I mentioned it was sent certified, then I was asked for the tracking numbers. The first tracking number was not acknowledged until the second one came up. One was received XX/XX/XXXX, the other was received XX/XX/XXXX. My check was not processed. Mortgage company sent me documents in regards to my payments and any fees. Mortgage company sent me a letter and said that my payment was 30 days late and the credit companies would be notified. Mortgage company sent me a letter regarding that I was two months behind, along with late fee charges. Mortgage company then sent a letter in regards to not fulfilling my payments towards the deed of trust. Mortgage company sent me a letter along with my XX/XX/XXXX, explaining they received it damaged ( check was stamped and initialed ). Mortgage company had notified credit company that I was two months late on my payments. I received another letter from the mortgage company with bankruptcy an foreclosure papers by courier. I sent a payment in for three months, certified registered receipt. I received a threat letter from mortgage company regarding three months payments with additional fees. ( Must be paid by XX/XX/XXXX, or foreclosure would be activated ) Then, I contacted the mortgage company to inquire if they received my payment of three months, the agent said it was received and it was being processed. I asked if this would clear the foreclosure action, and the answer was yes. <P/>Issue # 2 Fiscal year XX/XX/XXXX, mortgage company modified and increased my Escrow, causing me to scramble in being able to meet my monthly payments. Over the course of the year, I was able to get the Escrow up and payments on schedule. Mortgage company, on paper, had me as if I was a month behind, even though I made every payment on time. The mortgage company added unnecessary fees showing I owed over {$140.00} in fees. The end of the fiscal year, XX/XX/XXXX, the mortgage company had to send me a refund of overpayment in the Escrow account. My XX/XX/XXXX statement XX/XX/XXXX, showed I had over {$600.00} in the Escrow account, ending Fiscal year XX/XX/XXXX. Mortgage company, in XX/XX/XXXX, sent me a letter saying that my Escrow starting as of XX/XX/XXXX, would be below the minimum amount and that they would have to increase my monthly mortgage payment. This increase was {$20.00}. My XX/XX/XXXX showed I had over {$1100.00} in Escrow. My estimate by the ending of fiscal year XX/XX/XXXX will have an excess and they will owe me a refund.
Product: Debt collection

XXXX   XXXX  out of North Carolina is trying to collect on a debt that they state was charged off by  HSBC Card Services Inc    XXXX   XXXX     I moved from  XXXX  to  XXXX    XXXX   XXXX  . They have no legal right to threaten me with a law suit based on   XXXX   XXXX   six year Statute of limitation regardless of the type of debt. And  XXXX  has a statute of  four  years for all debts. I received the same letter from this law firm in  XXXX . And yet they are threatening me with a lawsuit and trying to intimidate me with a law suit. They are breaking laws and being a law firm they know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, EQUIFAX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, birth certificate, driver 's license, and a w2. 
. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, EQUIFAX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, EQUIFAX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, EQUIFAX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, EQUIFAX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 

XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX XXXX Equifax/ XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) - XXXX XX/XX/XXXX XXXX/ Equifax/ XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XXXX I was late on my payment from XX/XX/XXXX - XX/XX/XXXX its illegal to report late payments. Please take this off. 

XXXX - XXXX XX/XX/XXXX XXXX XXXX Equifax XXXX XXXX I was late on my payment from XX/XX/XXXX- XX/XX/XXXX its illegal to report late payments. Please take this off. 

Inaccurate inquiries that need to be removed : XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX  XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Miscellaneous XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax