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

I applied for and was granted credit for Sam 's Club, Credit is extended by Synchrony Bank, which is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. www.synchrony.com The complaint is two-fold Synchrony Bank continues to deny access to credit account to manage payments or verify balances. I have chatted online, called, and emailed on countless occasions with =out resolution, I can not log into my account it only allows me to pay as a visitor and shows balance due only. Annual Sam 's Club dues payment in the amount of {$110.00} was taken from my account without authorization, I had another card on file and authorized, specifically removed because I can not access account. 

Recent communication by me : Why can't I access and manage my account and have to sign in as a visitor, tried multiple times to resolve, called, emailed, chatting. I only get Sorry we cant access your account at this time taking my Sam 's Club annual dues payment without authorization is unacceptable! Please cancel my credit account. 

I have had no response to any of my communication attempts : Most recent email reply " Delivery has failed to these recipients or groups : Synchrony for your SAM 'S CLUB MASTERCARD ( XXXX ) The recipient 's mailbox is full and can't accept messages now. Please try resending your message later or contact the recipient directly. '' I would like to have Consumer Financial Protection Bureau contact Synchrony Bank and inquire about giving card holders access to their accounts. Furthermore I would like to have Synchrony Bank contact me directly.
Product: Payday loan, title loan, or personal loan

I recently looked at my credit report and discovered a collection account that started with a company called Speedy Cash. I contacted them and the information I provided, validated that this debt was not mine. I then got this message from the Speedy Cash people : Speedy Cash is in receipt of the complaint filed with the Bureau of Consumer Financial Protection Bureau ( BCFP ) by Mr. XXXX XXXX. Speedy Cash understands that Mr. XXXX BCFP complaint relates to debt collection practices. Speedy Cash was unable to locate a customer loan account matching the personal information provided by Mr. XXXX in his complaint. Without obtaining further identifying information, it is impossible for Speedy Cash to investigate Mr. XXXX complaint. We urge Mr. XXXX to call Speedy Cash directly at XXXX to provide additional information so that we can identify a loan account, if any. 

First, the phone number provided does not work! Second the person opened this account and has made payments at location in XXXX, Texas. They even tagged me with a XXXX, Texas address. THIS IS NOT MY ACCOUNT!!
Product: Mortgage

Requested loan modification due to loss of income, financial hardship, illness, was denied, loan company refused to work with " third party '' ( XXXX ) to resolve delinquency issues. My Balance has not changed in approximately 12 years {$18000.00}. My payments are not being applied. Abusive collection procedures. Was sent to eviction court immediately after having XXXX surgeries. Paid {$2200.00} to loan Company. There is no history of this payment are any other payments todate.
Product: Consumer Loan

I applied on line for a loan and was directed to XXXX. I was a work when I applied and I take ownership that I could n't spend much time on the computer nor print out any paperwork. I was also very upset at the time I applied as I 'm XXXX only and I had to take time off work to care for my husband that has XXXX. That is the reason I applied at all. I had not received a pay check nor was I going to get XXXX before the end of XXXX or the XXXX of XXXX. I applied for a {$3500.00} loan which I was granted on XXXX XXXX. If I recieve a pay check my pays are on the XXXX and XXXX, it would not allow me to put those dates in so my payment came out on the XXXX, I called then and ask for a due date change to the XXXX, I made that payment then I got a email stating my payment was due again on the XXXX so I immediately called and said there must be some mistake I just made a payment, she informed me my payments weren ; t {$320.00} per month but every 2 weeks. I tried to talk to that rep and explain I can ; t pay {$650.00} peer month and needed to request help with changing that, She said there was nothing I could do. I was so upset I called back and ask for a manager and she said there was no one above her to talk to and my options was to pay off the loan. At that point I pulled up what I had electronically signed and was extremely shocked.at this contents of this loan. I borrowed {$3500.00} on month ago, made 2 payments and I now owe $ XXXX are you kidding, this has to be predatory lending. I never ever would I have signed for any loan like this if I was completely aware, they charged by {$4700.00} in a fee to get {$3500.00}. I own that this is my mistake, I asked to talk to XXXX XXXX XXXX the CEO and was told I had to talk to the service rep I was talking to, and that my payment would come out, I told her there was no money in the account to make another {$340.00} 2 days later. At that point I called my bank to stop payments. I again tried to reach XXXX XXXX to no avail. I have now called XXXX to see what I can do. I think this is a very bad loan and I own that I made a huge mistake, but to be told I can ; t talk to anyone or I have no recourse is not acceptable I have to try to correct this. I will try to get a loan to pay this off if they can give me a reduced pay off. A fee of more than you borrowed has to be predatory lending. I can submit pay stubs and bank statements if needed, I 'm not sure how they approved me on {$650.00} per month I would not debt tatio at all
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
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 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 or other personal consumer reports

To Whom It May Concern : They're several inaccuracies on my credit report. These inaccurate accounts appear on my good credit standing. I am requesting that these items are removed immediately, the accounts AND information are listed below : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX INCOFFECT PRESONAL INFORMATION : Addresses : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX Employers : XXXX XXXX XXXX NAME : XXXX XXXX Im writing this letter to you in an effort to get these items removed immediately. This is a written dispute of all accounts per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through Transunion and XXXX to have this removed from my credit reports and both Transunion and XXXX refused to remove this past bankruptcy. The most recent dispute that was declined with Transunion was XX/XX/XXXX and the most recent for XXXX was on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2023, to remove the accounts that are UNKNOWN to me. The items have an erroneous status and it is detrimental if it remains in my file. 

Here is the list of accounts that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : $ {$3900.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX  XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or Transunion are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
Product: Consumer Loan

Attempted to get into an auto loan for a vehicle on XX/XX/XXXX. Credit score at the time was horrendous, yearly income XXXX gross. Was told that I could be financed ( predator loan ) for the amount of XXXX dollars at XXXX dollars a month, and could refinance for a better rate when my credit score went up. Payments have been going majority toward interest for 12 months, and not principal. Credit score has risen nearly XXXX points in 1 years. Attempts to refinance are not accomplished, negative equity keeps building on the vehicle. Vehicle now worth under XXXX dollars. Was told by banks that unless I dumped money into the vehicle, I would NEVER be able to catch up on equity. Attempted to contact lender on XX/XX/XXXX to negotiate monthly payment. Lender would not negotiate monthly payment. Stuck in a vehicle I should not have been financed for in the first place. As of XX/XX/XXXX amount owed on vehicle is XXXX with a payoff of XXXX with XXXX total paid ( XXXX " late fees '' for distributing monthly payment in half, XXXX in interest alone, and only XXXX towards principal varying from XXXX any given payment ). Monthly Amount is beginning to stress financial situation ( life changes ) and there is zero negotiation or chance of refinance without default of payment, repossession, or bankruptcy ( no actual reason for bankruptcy at the time ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against the 3 credit bureaus XXXX, Equifax, and XXXX. After reviewing my credit report, I noticed some discrepancies regarding the accuracy of the information on reporting accounts. I sent a dispute letter requesting the verification of these accounts and asked to be provided with the original signed contracts with the correct information which all 3 bureaus should have received before posting these accounts to my credit. I sent the initial letter on XX/XX/2017, and 2 more letters thereafter and the issue still has not been resolved, nor have I received the verification documentation I requested more than 90 days ago. I have records of all the letters I sent to these agencies, every response letter, and credit reports for the past 90 days. After they received the first letter, XXXX and XXXX removed one of the disputed accounts in reference but have since reapplied the account to my credit report without providing me with the verification documents I previously requested. This issue is causing me many problems. So, I am taking the next steps in order to get this issue taken care of and get these accounts verified. It is not ethical what these credit bureaus are doing. They should not be able to post inaccurate accounts on anyone 's credit report damaging the quality of their life. I am ready to seek legal action! Please let me know if I need to file an individual complaint for each credit bureau.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding an unauthorized inquiry on my credit report. Recently, I was a victim of identity theft due to my information being compromised in multiple data breaches and subsequently exposed on the dark web. While most of the issues stemming from this incident have been addressed and corrected on my credit report, I noticed an inquiry dated XX/XX/year>, from a company called XXXX. 

I do not recognize this company, nor have I applied for any credit or services with them. I have requested TRANSUNION to remove this inquiry, but they have declined to do so, despite my clear communication that I am unfamiliar with Lightstream and can not explain why this inquiry is present on my report. 

I would appreciate any assistance the CFPB can provide to help resolve this issue. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed and sent in all correct information with supporting documents and this still has not been resolved. How can my issues not be verified if I sent in everything pro being who I am and the correct information?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I do not understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that are not mine. I do not understand what is going on, but these items are not mine and the all need to be deleted from my credit report. US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX XXXX {$300.00} USDEPTED XXXX {$1700.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple violations of my privacy and confidentiality rights as protected under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( 2 ). In addition, pursuant to 18 U.S.C. 8, I have identified the following accounts that have accessed and/or are reporting my credit information without my explicit authorization or are reporting obsolete/inaccurate information : XXXX XXXX Account # : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXX Basis for the Complaint Unauthorized Access of Credit Information Under 15 U.S.C. 1681b, consumer reporting agencies are prohibited from providing consumer reports without a permissible purpose. No permissible purpose exists here, as I never authorized these entities to access or continue reporting my credit data.

Obsolete & Inaccurate Reporting According to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse information older than seven years ( with limited exceptions for criminal convictions ). At least one or more of these accounts contains data that is now obsolete and should be excluded from my credit report.

Violation of the Right to Privacy Under 15 U.S.C. 1681, Section 602 ( A ), I have a fundamental right to privacy regarding my credit information. Further, 15 U.S.C. 1681, Section 604 ( A ) ( 2 ) stipulates that a CRA can not furnish a consumer report without written instructions from the consumer when there is no other permissible purpose.

Furnishing Inaccurate Information In accordance with 15 U.S.C. 1681s-2 ( a ) ( 1 ), no one may furnish information relating to a consumer to any CRA if they know or have reasonable cause to believe that the information is inaccurate. Moreover, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), a furnisher must cease reporting information if notified by the consumer that it is inaccurate and if it is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I have reached out to Chexsystems to validate an account that they are reporting. They did not provide me with any validation of the account other than to say that the account was mine. I was not provided a copy of any contract or proof to show why the negative account is being reported.
Product: Credit card or prepaid card

I am a Chase member because I signed up for a credit card under their name period this credit card was advertised as an Amazon prime incentives reward card. this was advertised to me as a card that would allow me to gain points on every single purchase towards purchases through Amazon. this was clearly stated in multiple forms of documentation and in terms of service when I signed up for this card. 

Because of these incentives, I I began spending all of my money through this card, instead of with my debit card. Also, Chase 's website multiple times suggested to me the option of signing up all of my bills through the credit card. This made sense to me, as it would allow me to accumulate even more points. 

I currently have nearly a dozen complaints to multiple State attorneys offices ( New Mexico and Washington ), due to the fact that Amazon has sent me products that range from defective, to severely dangerous and toxic. I have documented proof that Amazon has refused to offer any form of customer service or resolution for any of these issues. 

further, Amazon has committed multiple felonies against me. Amazon has continuously been stealing random amounts of money from my bank accounts, including my Chase credit card.

Chase Bank falsely advertised this card to me. I was promised a form of service and incentives that I am not recei

ving. Amazon has actually committed multiple thefts from my bank accounts. Further, the items I did receive put my ( and my family 's ) life at risk.

When I called Chase to dispute this issue, I was immediately dismissed by the relations manager, who did not even actually listen to my story - but instead interrupted me the entire time. 

because I have issues talking on the phone, and because this representative was antagonizing me, I requested an email address so I could speak to a representative or some form of legal team about this issue. I stated specifically this, and due to the reason that this representative was not listening to me, and was continuing to talk over me. 

The representative then stated that chase is not going to do anything about this and he will not give me any email addresses. Because I needed this physically documented, which is why I suggested email in the first place, I advised the representative that I was beginning to record the phone call ( something they advised that they themselves were already doing ). This representative immediately became hostile towards me, advised that he did not give consent to be recorded, and promptly ended the call. 

Chase has not only led me into severe credit card debt based on false advertising, they are refusing to even acknowledge any situation on their end and Amazons end. 

I tried to discuss this very nicely with chase, and was met with nothing but severe hostility as well as extreme rudeness. If Chase is not willing to remedy this situation, or even discuss a possible remedy, I I will not only be seeking damages - I will be adding them to the criminal complaint with Amazon, as they are now involved in felony theft.
Product: Debt collection

Several months ago my vehicle that was financed by Westlake Service Inc., aka Westlake Financial Inc., was totaled. It took a little longer than excepted for my gap insurance to cover the complete vehicle loan, but the loan was eventually covered 100 %. It has been several months since the payoff, yet my loan still shows a balance of {$2300.00} since XX/XX/year>. Accordingly, I ask Westlake to make my account zero, and to remove all late payments since XX/XX/year>. The gap insurance was in place and Westlake told me to not worry about any payments. My account should show zero balance with no late payment history, or PAID NEVER LATE. Thank you. XXXX XXXX.
Product: Credit card or prepaid card

XXXX XXXX Agreed And Approved 24 Month Finance Recended By XXXX XXXX XXXX Citibank Charged For Non Delivered Items Investigation May Take Up To Six Months Home Depot Credit Card By CitiBank Cancelled Without My Permission Or Request Called Citibank Before Cancellation Multiple Times, They Claim I Dont Have An Account
Product: Credit reporting or other personal consumer reports

Showing delinquent when I have never been late. The billing history does not show anytime i have ever been late on my XXXX loans. Showing a different account number across all three bureaus. Showing the same account number for two different accounts as one on my credit report and the same account should not be reported twice on my report. Last activity date needs to be corrected and updated. A lot of months throughout the years have nothing to report under it and all of this is coming directly from my credit report via XXXX Multiple inaccuracies and violations are being reported on my report and I am willing and able to receive {$1000.00} per violation on these inaccuracies on my report.
Product: Mortgage

My wife and I spoke to XXXX XXXX at Ditech, our current mortgage holder, about refinancing. We were hoping to lock in while rates were extremely low. I spoke to XXXX XXXX via email with several questions and was told to call him that evening, XX/XX/XXXX. I left a message and he did not reply. I left another message the next week. He never returned my calls. My wife left him an email the following week and again did not hear back. In the mean time, the rates have gone up a quarter of a point and it has cost me {$12000.00} on my amortized loan amount.
Product: Debt collection

I have recently noticed that there have been late payments recorded on my account for the following months XX/XX/2023. I kindly request your understanding and assistance in removing the recorded late payments from my account history. I am committed to ensuring a more consistent and timely payment schedule in the future and value the positive relationship I have with XXXX. 

XXXX XXXX XXXXI am NOT late on XX/XX/2023. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative. 

I am aware that the company has policies in place regarding late payments, and I sincerely hope for your understanding and consideration in this matter. If there is any additional information required or a formal process to follow, please guide me through the necessary steps. 

Thank you for your time and attention to this request. I appreciate your efforts in helping me maintain the accuracy of my account information.
Product: Debt collection

There is incorrect personal information on my credit reports specifically an address that I have never lived at nor have any knowledge of. There is also accounts affecting my credit that do not belong to me, the address attached to a few credit cards with outstanding balances that are not mine nor have any knowledge of. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX so there is no way these accounts belong to me. 
XXXX XXXX act XXXX XXXXXXXX Balance amount {$2300.00} Date opened XX/XX/XXXX XXXX XXXX act  XXXX XXXXXXXX Balance amount {$920.00} Date opened XX/XX/XXXX XXXX XXXX XXXX act XXXX XXXXXXXX Balance amount {$1000.00} Date opened XX/XX/XXXX
Product: Credit card

I still don't have access to this account including the account number. My available credit is listed as N/A not applicable, yet I'm still being charged late fees on an account i believe has been closed for a year. And the late fees make up the majority of the balance totaling {$100.00} of a {$150.00} balance.