23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/2019, my husband and I applied for a mortgage loan through Synovus Bank. At that point we opened an online access to track the progress of our loan. We also submitted the requested paperwork. On XX/XX/2019 I reached out to our contact officer ( see below ) asking for progress on our loan application and received no response. On XX/XX/XXXX, I received a text message from her explaining she was out sick and would get back to me shortly. Still no information was provided. On XX/XX/2019 I texted her again with no response. On XX/XX/2019 I decided to call them and leave a message to her ( XXXX 's ) supervisor. That same afternoon, I received a call from her. At that point she finally sent me an email with information about XXXX XXXX XXXX XXXX XXXX ( XXXX ) and how to register. Upon taking our class this saturday XX/XX/2019 we learned we had to submit a complaint seeing that we feel that there has been a break of communication between this bank and us. There was no further follow up or plan so we can fix or obtain anything else needed. 

XXXX XXXX Mortgage Loan Originator SYNOVUS MORTGAGE XXXX XXXX XXXX XXXX XXXX, Fl. XXXX C : XXXX XXXX NMLS XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to remove these items ( A ). It is not permissible to fail to remove these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX and XXXX. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

credit karma and XXXX can not show credit history
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought XXXX XXXX from Carmax in XX/XX/2022 for {$22000.00}. XX/XX/2022 someone collided with me in traffic and caused {$34000.00} in damages and the car was totaled by XXXX XXXX. During the time of settlement on this claim Carmax noted two late payments on my credit report. Since they were paid in full in less than five months of financing said vehicle the need to place late payments on this account was unnecessary cruel and has caused and continues to cause undue harm to my ability to finance another vehicle.
Product: Mortgage

XX/XX/2022 I received a call from my Point of Contact through LoanCare. XXXX XXXX stated that LoanCare has sent over the requested documentation to the state of California for mortgage relief. After speaking to California Mortgage Relief they havent received any information from LoanCare. I was told by XXXX XXXX that I need to make a decision today that its either the state or their forbearance offer. I have a letter stating that I have until XX/XX/2022. I have forwarded this case to the Public Inquiry Unit of the Attorney General of the State of California. PIU file # XXXX. LoanCare continues to break laws and guidelines continuously and now I am asking for the investor to be removed from the State of California.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fortivia continues to report and confirm that my account delinquent from a period of XX/XX/2019. This information is incorrect and I was never late. In complaint # XXXX-XXXX/XXXX  Fortiva responded that they have directed the credit bureau that my account was never late and said XXXX  needed to correct the information to allow 5 to 7 days for that to occur. I submitted a dispute with XXXX  and XXXX. In response XXXX  indicates that when Fortiva was contacted by them regarding the dispute Fortiva is confirming that the account was delinquent. In complaint # XXXX-XXXX  XXXX  indicated that as recently as XX/XX/XXXX Fortiva was confirming the delinquency. I have received several letters from Fortiva that this account is being reported delinquent yet they are continuing to seen electronic feeds to the credit bureau 's that this payment on XXXX of 2019 was 30 days late. This incorrect information needs to be removed from my credit bureau reports. Fortiva needs to fix this electronic feed that is reporting incorrectly.
Product: Debt collection

This company keep calling me. I asked to stop calling me because the person they looking for isn't me.
Product: Bank account or service

I opened a XXXX checking account in XXXX 2016 with an offer for XXXX XXXX XXXX XXXX miles. I called and spoke to a representative to give them my XXXX XXXX frequent flier number so that miles can be credited to the right account. The representative noted on the account. I again sent a secure message to a citi representative on XXXX XXXX, 2016 who confirmed that I had met the requirement and the miles would post after XXXX XXXX. Now they are saying that the miles may not post. I am attaching their email to this complaint.
Product: Checking or savings account

Several times Old National Bank has charged me for overdrafts on charges still pending. They also charge overdraft fees onto of overdraft fees. They are terrible at customer service outsourcing the answering service to a foreign country. Then as most times you can't understand that person and they don't have a clue. Then they transfer you to someone more ignorant at the bank in the u.s.

This bank i believe is predatory. They are in desperate need of cash flow so they manipulate the overdrafts. I.e. taking longer to clear debits, taking all the small ones first and larger debits last. Hmmmm.
Product: Credit reporting

I 'm a victim of identity theft as a result of this there were many inquiries made without my knowledge or consent, i have sent out numerous letters to Trans Union with supporting documents and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an alert that I have a " flagged Collection '' from XXXX XXXX XXXX on my Experian credit report, for XXXX. On the XX/XX/XXXX I made a complaint against this company for harassing me for a debt that I do not owe them. The " balance '' they are referring to for this particular account was with someone else and that company has been paid in FULL before this was reported to my credit report. I am sending this complaint to report that Experian has allowed this company to report FALSE and fraudulent charges to my report and has NOT validated this debt, because if they did hey 'd see that I do not owe it. They have placed this account on report in revenge of me disputing it with them in writing. This is the THIRD fraudulent account that Experian has allowed them to place on my report without VALIDATING. They allowed XXXX XXXX XXXX to place a debt on my account on XX/XX/XXXX for a debt that they have said was obtained in XX/XX/XXXX but have the remark listed " included in bankruptcy " well how is it that you have bankruptcy listed for me completed in XX/XX/XXXX but accepted a collection " included '' in that said bankruptcy dated a year later. How is that legal??? I want all these fraudulent accounts off of my report. I have contacted you multiples times regarding this company so I have no choice but to take it as far as possible that I am rightfully allowed to. I have attached some documents that this company sent to me which in BLACK & WHITE and proves I do not owe them ANYTHING, and the " debt '' they have me listed under belongs to another company dated from XX/XX/XXXX and 2. that they legally should not have been able to place ANYTHING on my credit report. 3. I have sent Experian certified letters requesting copies of documents used to VALIDATE this debt and they have YET to send me anything validating it or proof of any sort. They are just brushing this all under the wrong and its causing deformation of MY character. If Experian did have docements supporting this then it would have NEVER been placed on my report to begin with seeing as thisndebt was sold illegally AFTER discharged in that said bankruptcy. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

The creditor has not supplied proof under the doctrine of estoppel by silence Englehardt v. Gravens ( MO ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

This is NOT a credit repair company. This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : XXXX XXXX XXXX and XXXX XXXX XXXX. Fraudulent accounts : XXXX  XXXX XXXX, XXXX XXXX ( 3 accounts ), XXXX XXXX XXXX. 2 Collection Accounts : XXXX XXXX and XXXX XXXX XXXX. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified.
Product: Debt collection

Apartment complex XXXX XXXX XXXX in XXXX Texas are claiming that I leased an apartment with them and have a balance due which is now in collections. The account is now being handled by a third party TSI- Transworld Systems Inc . I went in person to speak to the property manager, XXXX XXXX, and he stated he doesnt not have access to my lease nor the documentation collected at the time the lease was signed. He went as far as mentioning that this community lately has gone thru a sweeping change of staff due to several fraudulent leases and out of compliance issues and mentioned its not likely they havent any of my original lease information on file. I have spoken with the collection company as well because this is hurting my credit and have tried to dispute it and request original documents collected and my identifications showing it was me that leased the apartment but no one is helping.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Charge Off 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 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, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX, XXXX Account # XXXX, and XXXX XXXX  XXXX Account XXXX 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 an account without my written instructions
Product: Checking or savings account

On XX/XX/XXXX my social security deposit was made into my NetSpend account a few moments later after the deposit was made a transaction for {$300.00} was processed I called reported it as a fraudulent transaction and filed a dispute the next day I called to check the status of the money they had closed my account with a remaining {$440.00}. instead of mailing the remaining funds and a check to the address listed on the account they forwarded it back to social security and I've been trying since XXXX to get that money back they've been giving me nothing but a runaround. And then on XX/XX/XXXX I received an email stating that my dispute over the {$300.00} was found to be fraudulent and refunded me the money back to that account but they closed that account so I'm not able to get into that account and retrieve my funds and they were supposed to mail a check to the address I'm at now because I have moved due to not being able to pay rent because of the money situation starting on XX/XX/XXXX it is going on almost a month now I still have not received the {$440.00} that they say they sent back to social security social security says that they have not received any funds and now I'm having an issue retrieving the {$300.00} that they sent gave back to me due to the fraudulent transaction so I'm stressed trying to figure out how I'm going to retrieve my money from NetSpend that says they have sent my money back but have failed to do so
Product: Credit reporting or other personal consumer reports

I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the XXXX this situation has put me under.
Product: Student loan

At the beginning of 2020 I saw that my loan servicer Great Lakes Loan had abruptly ended my automatic loan payments. They said because it was the start of a new year. This has never happened before. I reapplied my auto payment tp see that the exact same thing happened after XXXX. The little progress I have been making has been undone because now 100 % of payments will now got to interest to pay off the nearly 1K I have in unpaid interest making it very difficult for me to pay off my loan.
Product: Credit reporting or other personal consumer reports

I've fallen victim to identity theft, and my information has been used fraudulently. Because of this, there are items on my credit report that I was never involved with. Following TransUnion 's instructions, I filed a report with the FTC and sent it in, but these fraudulent items are still there.
Product: Credit reporting or other personal consumer reports

This is regarding CAPITAL ONE AUTO FINANCE account ending in XXXX. 

Gramm-Leach-Bliley Act ( GLBA ) : The GLBA requires financial institutions to provide consumers with privacy notices explaining their information-sharing practices and to obtain opt-in or opt-out consent before sharing nonpublic personal information with non-affiliated third parties. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates the collection, dissemination, and use of consumer credit information. It requires consumer reporting agencies to obtain permissible purpose and consumer consent before providing consumer reports to third parties. These federal statutes establish requirements for obtaining consumer consent or permission before sharing personally identifiable information and aim to protect individuals ' privacy rights and sensitive data. Neither XXXX, XXXX, XXXX, or Capital One Auto Finance can produce the disclosures that I was required to receive by law to share my personally identifiable information with a non-affiliated third party. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Failure to provide these disclosures and the subsequent sharing of personally identifiable information amounts to identity theft.
Product: Debt collection

I have requested that the company stopped communicating with me. Electronically both text messaging an email in regards to making my payment I. Also advise them that per TCP A once I've requested, they have to stop and they have not honor that. I will take care of my obligations but they will not stop harassing me
Product: Debt collection

I humbly write this letter to seek ( and plead for } your help in a matter that I believe to be unfair trade practices and malicious intent. I made a purchase of furniture from XXXX XXXX XXXX in XXXX, NC on XX/XX/XXXX. The furniture was financed through three ( 3 ) finance companies : Tidewater Finance, XXXX XXXX and XXXX XXXX XXXX. As you will see in the enclosed letter from my attorney and supporting documents, XXXX XXXX XXXX breached the contract by not delivering all of the furniture that was ordered by the delivery date guaranteed by XXXX XXXX XXXX. All furniture was to be delivered in its entirety by XX/XX/XXXX. The bulk of the furniture that was delivered was incorrect ( delivered wrong size beds and matrices ) per the purchase order and the remaining furniture that was delivered damaged. I never received all of the furniture that was stipulated in the purchase order and, based upon this breach, I cancelled the entire order. 

Specifically, my complaint is regarding to the refusal by Tidewater Finance to refund all of the money that was financed through it and remove all negative entries to my credit report. When I cancelled the order in XXXX, I was refunded all of the money from XXXX XXXX and XXXX but Tidewater Finance only refunded part of the amount financed. I returned all of the furniture that was delivered within the original purchase order, including a king size bed headboard and footboard that was incorrectly delivered. 
I have enclosed all of the documents that I prepared for my attorney to ensure her letters were factual and complete. I have also included a copy of an email I sent to my attorney showing very negative information posted to my credit report by XXXX XXXX. All furniture that I received was returned, including items that were delivered the wrong size. XXXX XXXX and XXXX each refunded the entire amount of money and removed negative postings from my credit report. XXXX, however, has not only failed to cancel its financing agreement, it has continued month after month to increase the balance it says I owe. I have pasted a copy of my credit report regarding Tidewater Finance in an effort to illustrate the damage they have done to my credit. Because Tidewater Finance continues to report that I have an unpaid balance of {$510.00} and their egregious actions of adding to my balance a late fee per month since XXXX. I have been denied credit three times. Tidewater Finance has destroyed my credit and continues to do so each month. 

I beseech you to help me resolve this injustice. I retained no furniture from the initial order yet Tidewater Finance claims I do. My attorney has tried many times to get Tidewater Finance to remove the posting from my credit report. My attorney hopes your agency can get resolution of this issue so that I do not have to incur any further legal fees. I have been XXXX since XX/XX/XXXX and I need Tidewater Finance to completely remove any balance and all postings to my credit report so I can start repairing the damage its actions have caused. 

Respectfully, XXXX XXXX XXXX
Product: Credit reporting

Experian, I enclosed XXXX different reports from them, same creditorXXXX- XXXX XXXX account to be removed XXXX XXXX XXXX XXXX XXXX account, XXXX reports, XXXX completely different storiesI thought this creditor would be gone, so glad I checked the report. The American public has no trust in these bureaus to do the right thing when you are not watching them. I did and look what happened, they keep bogus reporting on to sell profiles to make money
Product: Mortgage

This complaint is a new of the same complaints have have done before I recive a later fro bank of america their new claimed that they did n't received my morgage payment I noticed this is the way they denied getting my payments onXX/XX/XXXX I send them 3 payment the claimed never received I recive a certified letter from bank of america lawyer harassing me at least that 's the way in this letter bank of america lawyer make me more sick than I am I started in my last complaint I do n't appreciate hearing from a lawyer of a bank I 'm trying to get help from as I said mostly lying for them. his lying starts this way he claimed I 'm the one that does n't want to get help by not turning paper work they need WRONG I can prove that. They claimed they got me a loan modification but their loan modification was only to benefit them by law a contract is supposed to be equal not force by the court my morgage balance is 356,000 my house is worth 240,000 where is the help there?? They claimed I did a bankruptcy, wrong, through their loan modification they have access to my financial issues they check my credit every time they want, wrong, my mental mud gets worse after I get any of their lawyer letter or they called police on me. I pay them their mortgage and they still send me a a bill that says I did n't pay them, wrong, I asked them to stopped charged me for their called home insurance ( PMI ) another way to rob people it did n't help me before onXX/XX/XXXX,  wrong, their response mostly wo n't answer me but the harassed me with their lawyer I stated this is some kind of XXXX discrimination harassment or if it 's not why their lawyer gor a simple complaint?????