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

I applied for a Sam 's club credit card via Synchrony Bank online in XXXX when placing an order. Because of a prior fraud alert on my credit file, it could not be processed automatically b/c Synchrony could not access my credit file without verifying my identity. A few days after that, I removed the fraud alerts as that issue had long been resolved. However, I never received any follow up from Sam 's Club or from Synchrony regarding this application. 

In late XXXX, while in a Sam 's Club store, I received a preapproved credit card offer at checkout, so I agreed to apply again. This time they said the application was stopped because of the earlier application and I would hear something via a letter. 

I received a letter last week dated XX/XX/XXXX that my application was denied because " prior application submitted too recently. '' I never received anything regarding that original application, now almost 2 months ago. 

I contacted Synchrony and all they would tell me is that both applications were declined and I would receive a letter explaining. I tried to explain that I did receive a letter ( dated XX/XX/XXXX ), but it was for the 2nd application. I wanted to know what happened with the 1st application and why it apparently was declined. That employee could not provide any additional information, so I left a message on Synchrony 's facebook page. 

In response, another employee called me and she was able to explain that after my 2nd application, she did see that they were able to pull my credit to process the first application, but it was showing as declined. Again she said that there was a letter sent explaining, and it was dated XX/XX/XXXX. ( 3 days earlier than the one I already received ). 

It has now been over 10 mailing days, and this letter never arrived. My XXXX  score is XXXX as of last week. I have no late pays, no judgments, no collection accounts. I have absolutely no derogatory items in my credit file, so why did they decline me? How do I know they even pulled the right credit file? Aren't they supposed to inform me in writing why I was declined as per the FCRA requirements? 

Further, please note that I have at least 3 other active Synchrony accounts, all with perfect records and have had at least 2 of those accounts for over 10 years. I never carry a credit balance ; while I use credit cards for the rewards, I pay them in full every month. 

I have attached a copy of the one and only letter I've received.
Product: Debt collection

On XX/XX/year>, I received my first email from Columbia Debt Recovery LLC DBA Genesis regarding a debt of {$1700.00} from XXXX XXXX XXXX However, this debt had already been reported to my credit report on XX/XX/year>. I was not notified of the debt by mail, which is required by the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA states that debt collectors must notify consumers in writing within five days of the first communicationspecifically by mail, not email. 

By reporting the debt to my credit report before notifying me, and by failing to notify me via mail, Columbia Debt Recovery LLC denied me the opportunity to dispute the debt. This has unfairly impacted my credit score. 

I have since sent a formal request for debt validation to Columbia Debt Recovery LLC, disputing the debt and requesting that it be removed from my credit report due to improper notification. I would like this debt removed from my credit report and for their collection practices to be investigated for violations of the FDCPA.
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 XXXX, XXXX, AND XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX-was never late please remove XXXX- i do not have a XXXX XXXX account please remove XXXX XXXX- account shows a profit written off- please remove from my credit report XXXX XXXX-account close by company-this is not my account please remove XXXX-the warranty paid of the balance of this account please remove from my credit report XXXX XXXX XXXX XXXX i have never had an account with this company
Product: Debt collection

I have contacted this company several times in regards to a debt they say I owe that is on my credit reports. I have asked them to validate the debt. In the most recent ( and only ) communication from them, they sent a copy of a bill ONLY. That is not validation of debt. I requested validation showing my full social security number, date of birth, and original signature. Otherwise, this debt is null and void and needs to be removed from my credit reports ASAP. I have filed a complaint with the FTC as of today regarding this company and it's practices. This is also the 2nd complaint I have filed with CFPB regarding this company and hope for a resolution sooner rather than later.
Product: Credit card or prepaid card

1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.

9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.

10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.

12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.

13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.

14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.

15. Provide verification from the stated creditor that you are authorized to act for them.

16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
Product: Checking or savings account

Wells Fargo charged me over XXXX in fees that were incorrect. I have been harmed substainally on my credit report and have had a hard time opening a checking account due to their illegal actions. I believe they were negligent and committed fraud. These actions took place between XXXX and XXXX.
Product: Debt collection

Hello First this account belongs to my company as i was renting an office suite . So this account should be under my company not my personal Second : I left the office suite and sent them a message and called them many times telling them i am vacating the property no answer. Very unprofessional i even went to their office in XXXX and no one was there. 

Third : They owe me money for secuirty deposit that they never refunded.
Product: Mortgage

We had a mortgage forbearance during XXXX. 

When the XXXX forbearance ended, we resumed making mortgage payments and have {$1200.00} left on the original loan. 

Wells Fargo says that we owe the forbearance amount of {$27000.00} as a lump sum. We applied to get the terms changed so that we can make monthly payments on it. Their underwriting department denied the application because we make too much money to qualify for mortgage assistance. We do not want assistance paying our mortgage ; we want to continue our monthly payments in order to pay back the {$27000.00} Wells Fargo and XXXX XXXX have both told us that we have no option except to give them the lump sum and that we can't mortgage the {$27000.00} or pay it back in installments.
Product: Checking or savings account

I am XXXX of a XXXX XXXX that has a checking account with Truist. This is 100 % nonprofit and there are no paid employees and no one receives compensation. We are the XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL. XXXX XXXX  we noticed XXXX charges on our checking account. The organization does not have an XXXX account nor has made any XXXX charges. I called an cancelled the debit card. XX/XX/ we see not only were the charges not reversed but they had continued totalling around {$800.00}. We have called several times and in XX/XX/ did receive a notice by mail ( attached ) detailing the disputed charges. The charges still have not been reversed and everytime I call we get no answers. I then went to our branch manager who said she would look into it and get back to me. She did not and I have been calling every few days for 3 weeks now and every time they say she is " with a customer. '' Calling the XXXX over and over and staring with a new person is time consuming and extremely frustrating. It is completely unacceptable that Truist does not properly handle fraud cases. THE FRAUDEULENT XXXX CHARGES ON OUR ACCOUNT NEED TO BE REVERSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax security breech, I checked the site to see if I had been affected. I had been affected by the incident. I tried several times by phone and the online site to place a security freeze on my credit information. The message I got was to mail my information and request that Equifax place a freeze as they were unable to process my request by either the automated phone line or the online form. I did not feel comfortable sending my information by mail to the company that compromised my information in the first place. 
The one live person that I reached by phone told me that she did not know the number for me to call to directly freeze my credit with live help. She said she could only give me the number to signup for their credit monitoring service ( which I would never subscribe to ). 
Should it be this difficult to sign up for a credit freeze? 
I want Equifax to freeze my credit information without having to submit additional personal information. 
They are making it very difficult to give me the peace of mind by freezing my credit. This should be my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, 2017. I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting

Transunion is reporting a prosper loan as Chapter XXXX bankruptcy I HAVE NEVER DECLARED ANY SUCH BANKRUPTY THEY ARE REPORTING ON A PROSPER ACCOUNT THAT WAS PAID IN FULL. THIS IS AND WILL CAUSE DAMAGING EFFECTS. ITS UTTERLY UNTRUE AND VIOLATION OF FEDERAL LAW AND CRIMINAL WITH BANKRUPTCY COURTS AS I HAVE NEVER SOUGHT NOR FILED ANY SUCH BANKRUPTCY
Product: Mortgage

In XXXX we purchased a home with XXXX XXXX XXXX in XXXX XXXX, Fl. We financed the home with XXXX and our loan was serviced via Dovenmuehle Mortgage. In XXXX I became unable to work and sought to have a modification done on the loan to make it more affordable. In XXXX of XXXX Dovenmuehle stated that we qualified for a modification and that one would be " no problem '', so we started the process with them. 
They told us not to pay while the modification was taking place and even told us that they would not accept payment. In XXXX of XXXX, their underwriter contacted us and told us that we did not qualify for a modification so it was denied. We asked for other options and were told that the only other option was a repayment plan - we suggested multiple payment plans to Dovenmuehle and each plan was denied - they stated that the behind balance had to be paid within XXXX months ( and we were behind more than XXXX months - meaning we would have had to make more than double payments ). They would not accept any payments other than the behind balance or what they said we had to pay to catch up. 
They refused to help us in any way and have now filed foreclosure on the property.
Product: Debt collection

ACCOUNT NAME XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) Account # : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) ACCT : XXXX MIDLAND CRED ( Original Creditor : XXXX XXXX  ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ), requesting that TransUnion block and remove the fraudulent accounts and addresses listed below from my credit report. These items are the result of identity theft and fraud occurring during my period of trafficking. Under FCRA regulations, I expect TransUnion to take action within four business days upon receipt of this complaint. As a victim of trafficking, the following accounts were not opened, authorized, or initiated by me and result from identity theft and fraud : XXXX XXXX XXXX XXXX XXXX : {$900.00} Date Opened : XX/XX/year> XXXX XXXX XXXX XXXX XXXX : {$1600.00} Date Opened : XX/XX/year> I have attached the following documentation, which has previously led to the successful removal of these accounts with other credit bureaus : FCRA Section 605C Self-Attestation FTC Identity Theft Criminal Complaint # XXXX Utility Bill
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been turned down for car loan, life insurance and now most recently to purchase a mattress at 0 % interest for 45 months Received a letter from Sychrony Bank dated XX/XX/XXXX My credit score is noted on by XXXX XXXX XXXX as of XX/XX/XXXX. 
XXXX  monthly monitoring report my current score is XXXX. 

My Bancruptcy will be coming off my record in XXXX. 

I am requesting that XXXX update there credit reports to reflect all of my information correctly. My credit report is on freeze at the moment someone will need to contact me too unlock my reports too view them. 

I am concerned there reporting this information incorrectly will start too affect my score which I have worked extremely hard too bring up too this level Over the past few years. 

Thank you for your assistance in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charge offs from 2 XXXX which were covered by my insurance. They did not file them in time and the insurance denied one. On the otherone, I was never given and XXXX. This was over 8 years ago. Bad Debt company bought the debt and re-reported it as a current dedt to Equifax!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Transunion will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I took the Bill of Exchange with the credits for my vehicle and endorsed it with instructions to remit payment via certified mail. If they had any issues I asked them to respond in writing. I got no response from them. I mailed them on three different dates and they didn't respond to either. Now they have repossessed my car. Silence is acquiesence and their none response holds them liable. When acquiring the loan for the vehicle we used a consumer credit transaction and by law no money should have been exchanged. They demanded a downpayment and I paid it. That is a violation of my rights.
Product: Credit card or prepaid card

For the months of XXXX to XX/XX/2022, my payments in full for all current charges were made via XXXX XXXX online bill pay. The money left my account and XXXX XXXX says was successfully received by Marcus by Goldman Sachs. However, the payments were never applied to my account. Several wasted hours on the phone with uncooperative, uncaring, uninpowered, robot call center employees got me NOWHERE! They have been charging interest, late fees, and may be negatively reporting on me because of issues which are 100 % their mistakes. That they are unwilling and unable to resolve. Additionally, I was repeatedly told all calls were being recorded. I asked for copies of the call. No recordings have been received. 

Furthermore, their paper statements AND Web site are the worst quality, with the least amount of features of any credit credit card company I have ever done business with. 

Do NOT open any accounts with Marcus by Goldman Sachs.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX  and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXXt, AES, XXXX XXXX and now XXXX trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  for " XXXX XXXX XXXX '' Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Checking or savings account

In XX/XX/2023 I went into Key Bank in XXXX, XXXX, to complete the sign on process. I was offered {$200.00} to switch my bank account. I was in a domestic XXXX situation and was in a safe house. The employee named XXXX assured me I would receive this sign on bonus if I switched my direct deposit. Before leaving XXXX to come to XXXX as my divorce was final and I was safe I stopped into this branch to make sure everything was still ok and I would receive this bonus. I have called customer service and the branch I signed up at. They say that they do not see the code and they are sorry. I told them this is fraud and I would proceed up the chain of command, so to speak.