23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 Sec 602 - " there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the customers nonpublic personal information. SYNOVUS BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. SYNOVUS BANK the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, SYNOVUS BANK whether is be verbal, non-verbal, written, implied or otherwise is revoked.

15 USC 6802 states that a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation of how the consumer can exercise the non disclosure option. SYNOVUS BANK never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " except as authorized under subsection ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information.

Any other adverse item of this information, other than records convictions of crimes which antedates the report by more than seven years.

This account is an adverse item they are reporting again without my permission which is against the law.

15 US Code 1681s-2 ( A ) ( 1 ) States " a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information is inaccurate. 15US Code 1681 states " every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title '' XXXX and XXXX are not maintaining reasonable procedures. 
Also, 12CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

XX/XX/22 at XXXX XXXX EST I received a call from Capio partners for a medical debt of I believe {$200.00}. I informed her once again I am unemployed and is unable to pay or setup a payment arrangement right now. I also shared that I have XXXX children. She proceeded to offer me a lower price but I gave her the same response also including Im not seeking any medical treatment because I cant pay the bill. She then stated Let me pull up your credit report, I see your credit report and we have an account that we could have already sent to them but we didnt as of yet. I interrupted her in shock and stated no maam I do not give you nor the original debtor permission to release any of my health information, it violates my HIPAA rights. She stated that she will follow with me in a month or a few weeks. I reviewed my XXXX account and noticed that Capio reported it to the Credit Bureau on XX/XX/22, 3 days after the threat.
Product: Checking or savings account

I have an HSBC Premier relationship Savings account with HSBC Bank USA. The product is being marketed as 'Earn 4.5 % APR if monthly spend on the debit card if XXXX or more '' In XX/XX/2023, I spent a total of USD XXXX on my debit card out of which XXXX were spent using my debit card on XXXX XX/XX/2023. 

The bank posted the transactions made on XXXX XX/XX/2023 on XX/XX/XXXX even though the Debit card was used on XXXX XX/XX/2023. 

Therefore based on HSBC Bank 's calculation, I was short of XXXX to reach minimum spend of XXXX since the bank is not accounting for XXXX spent on XX/XX/XXXX. 

Hence for the month of XXXX I was not paid 4.5 % XXXX on my Premier Relationship Savings Account - which translates to a loss of USD XXXX. 

It is not in customers control when the transactions will be posted and has no control over the posting dates. 

This saving product should consider the transaction date and not the posting date as the basis for following reasons. 

1 ) The product is marketed as total spent made per month 2 ) Its not under customers control when the transactions will be posted. Customer can only monitor calendar days and not Posting days. 
XXXX ) Customer has no knowledge of the actual posting dates, which is determined by the bank. So why should Customer take a hit if the transactions are not posted within the same month. 

I have raised a complaint but HSBC says it will not consider the complaint as the product is based on Posting dates and not transaction dates
Product: Credit reporting, credit repair services, or other personal consumer reports

I began the loan modification process in the Spring of XX/XX/XXXX. All paperwork was signed and completed and returned to XXXX XXXX in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at XXXX XXXX. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to XXXX XXXX not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX place an item on my credit for the amount of {$660.00}. I am not aware of the creditor. I have never received a telephone call from the collection or creditor. I also research and they are not licensed to collect in the state of Louisiana. This company has impacted my credit in the middle of me purchasing a home. This is unfair and injustice.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Personal Information Former : XXXX XXXX Also Known As : XXXX XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX Address ( es XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( XXXX ) XXXX XXXX XXXX XXXX AV XXXXXXXX XXXX XXXX Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Debt collection

In accordance with the Fair Credit Reporting act, one account on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 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 an account without my written instructions. XXXX IS BREAKING THE LAW. 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. These inaccuracies are stopping me from providing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

XXXX  has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian has the same inquiries as XXXX.
Product: Credit reporting or other personal consumer reports

Several items that have been dropped from my credit report, due to time, and/or winning a dispute, annotated by other reporting agencies is not being updated on my Experian credit report.
Product: Debt collection

To Whom It May Concern : My Identity has been stolen. Please help to remove this fraud item XXXX XXXX XXXX. I have recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, XXXX XXXX XXXX and it need 's to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE ACCOUNT LISTED BELOW IS NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC REPORT # : XXXX THE POLICE REPORT # : XXXX I DEMAND THE ACCOUNT LISTED BELOW NEED 'S TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 


Collection Account : XXXX XXXX XXXX Account Number : XXXX delete it from my credit report. 
Date Opened : XX/XX/2017 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credt Reporting Act Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ) companies are required by Federal Law to verify debt. Upon seeing XXXX XXXX XXXX  XXXX XXXX on my credit report, I have disputed this account and demanded that the account be validated. Not only has the original debt collector NOT provided validation of the debt with original contracts bearing my signature, but they have forwarded the debt to XXXX, XXXX XXXX XXXX, XXXX. I believe the credit agencies and XXXX XXXX are violating the law.
Product: Debt collection

I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.
Product: Debt collection

After being notified that I was a victim of the XXXX data breach and identity theft I reviewed a copy of my consumer report I noticed some collection accounts that I have no knowledge of This account is the result of the XXXX data breach and or identity theft Possible finance # XXXX Amount XXXX
Product: Debt collection

This was a scam phone call in order to collect over {$1000.00} in fake debt. The card mentioned was closed a long time ago under my previous ( maiden ) name. They mentioned that my name was not changed, that I still have this card and threatened to take legal action, and attempted to collect money I do not owe, on a credit card that no longer exist. This happened while I was at work and ignored me when I asked questions. I called back and a man answered using my first name. This was not a company! or real debt collector- it is a scam.
Product: Mortgage

Loan No : XXXX Freedom Mortgage keeps applying Escrow balance to every months auto payment. They know that I have selected no Escrow for my mortgage where I am paying separately for Mortgage insurance and city taxes. In-spite of calling every week and this issue is ongoing for the past 6 months, Freedom Mortgage has failed to resolve this internal clerical error that they have. They are not helping. 

It is unethical to charge a customer Escrow balance for insurance when I told them I do not want their bank issued insurance coverage. I have provided proof of coverage continuous since 2014. My Mortgage payment has gone up because of this unethical and unauthorized escrow balance. 

Freedom mortgage has created a Escrow balance of {$11000.00} that is entirely fraudulent. I called Their bank owned insurance company and there is no insurance policy set up. They are figuring out these alternate means to cheat customers and collect additional funds beyond the normal interest rate they earn through mortgage. 

I did a little bit of research for Freedom mortgage and there are many complaints about this mortgage company applying the same schemes to cheat customers and collect additional unauthorized funds on the mortgage.

I believe serious actions need to be taken to penalize this organization for their unethical business practices. I have wasted hours over the phone every week trying to resolve my situation but the outcome is going nowhere.

Regards, XXXX XXXX XXXX Please read the following supportive links : 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

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 XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number XXXX XXXX Account Name : XXXX  Account Number : 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: Credit reporting, credit repair services, or other personal consumer reports

Account name : ComenityCB/ULTA Account XXXX : XXXX My account information was stolen and used to make online purchases. I reached out to comenity bank to inform hem of what happened and they assured me they would take care of it. I provided the store name and number which the fraudulent activity occurred and even presented the police report information. This account was paid in full and is now showing a balance of {$90.00} along with an XXXX status. A new card was to be issued and this one was to be closed and balance returned to XXXX. I gave proof and contact information to back up my claims. They are inaccurately reporting this account as XXXX and with a balance A new card has been issued which reflects a XXXX balance.
Product: Debt collection

This lender repeatedly attempts to, and successfully does, collect " late fees '' when I do not in fact owe late fees, and refuses to correctly set up and use the auto-pay feature to deliberately charge me late fees to my fund. I say " deliberately '' because every attempt I make to remedy this in advance, and anticipate this issue, this company disregards it and fails to draft their money from my account according to our agreement. I have proof of autopay setup successfully, that the funds are in my account, and that they still intend on charging a late fee for this installment payment. 

This has caused very serious harm to my credit report, and, to their obvious benefit, causes me to lose money to them in the form of late fees and now I am stuck with this loan because no one will refinance a loan on a " delinquent '' payer. 

To begin with the more recent example, today I can see on my account that my payment method is already set on my online account ; I can see that my bank account information ( with routing and account number ) is correct on the " one-time payment '' feature, and also the " autopay '' feature. I can also see the history of my payments from XX/XX/2021 - XXXX. Nevertheless, it states that I owe them late fees and my payment has increased to cover the late charges. There is no explanation given. 

If one calls, one will be routed to someone that can make payments, but that person can not discuss issues with billing, that will be another person, but the person that discusses issues with billing can only discuss issues with billing methods and autopay problems, so they route you to another person, who can only discuss issues with the previous billing, and so on. You will finally be told that you must write a letter to Global Lending Services. 

I have written four letters now to Global Lending Services, and none have been successful in prying information to them that *they* are the ones with the ability and agreed-upon responsibility for drafting my account correctly. 

Now I have several " late '' or " missed '' payments on my credit report which are incorrect, and they refuse to remedy or correct this by mail, by phone, or of course in person as they do not have a physical location. 

Also, they do not actually let you pay online, and if you call the center they wish to add a convenience fee, otherwise, they refuse to draft your money. I set up auto-pay years ago when I first got the loan to avoid convenience fees, late fees, and delinquencies on my credit report -- all of which this lender does do anyway ; which is to their benefit : this practice of theirs increases their revenue from me, and prevents me from refinancing elsewhere, as it has today. 

One does not have the time and money to constantly deal with them and their call center.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed a inquiry from XXXX XXXX XXXX  XXXX on XX/XX/2023 that i did not authorize. I filed a ftc report and contacted the credit reporting agency.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company 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.

This company 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!
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2018 I received my response back from credit acceptance from the cfpb and credit acceptance stated that I agreed to settle my account 50 %, I didn't agree to that, credit acceptance need to send me proof of this,,, because I was informed the car was paid off, that's how I got my title .... send me proof of me singing the offer, because I don't recall accepting that offer,,, the car was paid off,,, please remove the account from my credit file,
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of my private information may have been exposed to a hacker XX/XX/21. My credit is usually frozen but at this time it is thawed until XX/XX/21 for a utility company to run a credit report on me. I have been trying to get the freeze put back on my account asap but am unable to do it through Experian 's website or through their automated phone line. I am also unable to reach a live person to help me. This is very frustrating and potentially detrimental to my credit if the hacker is currently running rampant while my credit is thawed. I had no issue with the other two credit unions ( XXXX and XXXX ), experian on the other hand has been awful to deal with.