23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Synchrony Bank/PayPal Credit several times about the {$4500.00} of unauthorized charges and removal of the delinquent payments showing on my credit report due to identity theft. My account has been up to date without any delinquent payments until my identity was stolen in late XX/XX/XXXX. After not getting any satisfaction via telephone, I sent them a dispute letter on XX/XX/XXXX. On XX/XX/XXXX, they responded by attaching monthly billing statements for XXXX and XXXX onlynot showing the unauthorized charges in question. While disputing the unauthorized charges, Synchrony Bank/PayPal Credit continued to charge late fees and assess interest on the disputed balance. 

On XX/XX/XXXX, I sent a certified return receipt response letter asking for verification of charges. This letter was delivered and signed for on XX/XX/XXXX. After no response. I filed an Identity Theft Report with the Federal Trade Commission. On XX/XX/XXXX, I sent a certified return receipt letter and FTC Reportthis letter was delivered and signed for on XX/XX/XXXX. To date, I have not received any information about my dispute. Synchrony Bank/PayPal Credit has mishandled my dispute about identity theft by not acknowledging my complaint and did not provide me with an explanation for rejecting my complaint. Synchrony Bank/PayPal Credit has engaged in unfair acts or practices in violation of the CFPA, 12 U.S.C. 5536 ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report, which I just obtained in copy form. My chances of obtaining new credit have been harmed by this. I request that you take the following inquiries down right away. 
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 XXXX
Product: Credit card

I am a customer of Citi Mastercard. 
I added a bank account online following their procedures - bank account acceptance was confirmed. 
I paid down my Citi card by using the new bank account Citi mistakenly used a different bank account. That error caused that particular bank account to go into significant overdraft- over {$5500.00}. 
I called Citi and they acknowledged that they had taken money from the wrong bank account. 
The problem is that Citi - while acknowledging their mistake is not reimbursing my account for at least 7 - 10 business days!

How can they be allowed to wrongfully access my bank account and not reimburse me for 7 - 10 business days?

It took them minutes to wrongfully withdraw monies- it should take no more than 24 hours to reimburse.
Product: Mortgage

*Racketeering and RICO violations complaint of Shellpoint Mortgage Servicing* *On XX/XX/XXXX I submitted a complaint ( Complaint # XXXX ) about Shellpoint Mortgage Servicing, LLC XXXX XXXX XXXX  XXXX XXXX, XXXX, TX XXXX Phone number : ( XXXX ) XXXX * My main complaint, of multiple complaints was that the former owner of my mortgage ( XXXX XXXX XXXX ) had already agreed to do an " assumption of novation '' in order to simply remove my ex-spouse 's name off of the mortgage. I was told Shellpoint Mortgage Servicing, LLC would be require to preform the simple task of a " assumption of novation ''. Instead of addressing this directly, they are saying that the divorce judge requested I refinance the home. The judges orders are that I simply have my ex-spouses name removed from the mortgage deed. The judge does not care how this is done and a assumption of novation is the easiest way to accomplish this. 
*Shellpoint Mortgage Servicing, LLC is not even a true mortgage lender, but is a debt collector mortgage foreclosure company. They have little interest in " servicing '' your mortgage. They only want to charge you over the top interest rates and then their finale goal is to take your home. Example : A year and a half ago my ex-spouse requested a modification with XXXX XXXX XXXX. She got it.It 's now owned by Shellpoint. We were only behind around {$8.00}. Only {$8000.00}! My wife and I were coerced into this insane modification by XXXX XXXX XXXX! We were told that we had to do this modification because otherwise, they would start foreclosure proceedings immediately. I'm claiming racketeering/RICO violations here. We only owed XXXX {$8000.00}, but the modification charges me {$800.00} a month for 5 years ( 60 months ) which they admit. That's over {$46000.00} for a {$8000.00} loan. See RICO violations. 
*I am willing to overlook this for the time being if Shellpoint gives me " assumption of novation '' to remove my ex-spouses name from the mortgage which my lawyer says is okay with the divorce judge. That's what I need done ASAP please. As I was promised. * The response to my initial partial complaint # XXXX that they never reported any late payments to any credit reporting agency is a partial lie by Shellpoint. They may not have reported it, but the mortgage companies I've contacted about refinancing call Shellpoint and are told I have multiple late payments. Thus, I am unable to refinance my home ( Even with 18 months of on time payments and a high income! ) because of Shellpoint 's saying I have late payments which is false.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX : I am a victim of identity theft and I send the FTC report with other documents to Transunion to remove inquiries on my file TransUnion does not want to remove the hard inquiries unless they have a deletion letter from the creditor called all the creditors and they stated we can not send you a letter we do not know who you are, we do not have an account with us any please disputed directly with the credit agency no letter will be sent so when I go back to TransUnion they state they will not remove hard inquiry unless they have a letter of deletion I stated the creditors does not want to send a letter then all they say is, will notify the creditor of fraud activity and if they respond to us will take it off but if not it will remain on your file until they do two months have past and they state the same what can be done?
Product: Debt collection

I checked my credit report on XX/XX/XXXX and did not see any accounts from CREDENCE RESOURCE MANAGEMENT. However, today, XX/XX/XXXX, I see a new account reported by CREDENCE RESOURCE MANAGEMENT from XXXX in the amount of {$290.00}. I never received any correspondence from this company about any debt prior to reporting. According to the Fair Debt Reporting Act, I am supposed to receive written validation and verification with the right to dispute before reporting to the credit bureaus. This company violated that act and illegally reported a debt I never knew about. 
I also checked the State of Florida Department of Business Regulations through XXXX XXXX and saw that CREDENCE RESOURCE MANAGEMENT is NOT authorized to do any business in Florida as they do not have an articles of organization or incorporation nor do they have a statement of positive activity from the state of Florida.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following late payment entries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.
Product: Credit reporting

I have repeatedly disputed credit inquiries that are duplicates and not authorized to the best of my knowledge. I have asked that they 're removed as allowed by law, due to Experian 's refusal to verify as requested.
Product: Credit reporting or other personal consumer reports

eported a number of Hard inquires showing up after XXXX XXXX XXXX data breach, even though there is a extended fraud alert on my file would not remove. I reported to the company and they stated that they do not share personal information with third parties. BALANCES PAID IN FULL PER AGREEMENT AS STATED ON XXXX, NOT DUE TO BANKRUPTCY. On XX/XX/XXXX mailed each company a written notice is regarding XXXXXXXX XXXX XXXXXXXX IRREVOCABLE TRUST to include all deviations of the same with the XXXX  list XXXX XXXX XXXX, XXXX XXXX XXXX number XXXX XXXX number XXXX, passport card # XXXX and Trademark Registration # XXXX. As Executor and authorized Agent for XXXX XXXX XXXX XXXX XXXX, I XXXX XXXXXXXX invokes my right in regards of the Disclosure of Non Personal Public Information and defined by U.S.C., and Constitution of Republic America and per the FCRA. As a Federally Protected Consumer, I am now opting out of any and all authorization I the consumer XXXX have given you. This includes written, unwritten, verbal, and nonverbal permission per 15 U.S. Code 6801 through 6805 effectively immediately and indefinitely. This includes any and all transaction history, any further reporting without a written agreement signed by the Executor or Trustee of this organization signed in Ink or Electronically with Email as verification and a XXXX XXXX XXXX noting said agreement filed with Secretary of XXXX. Further a copy of notice and said agreement must sent certified mail with XXXX XXXX XXXX return receipt address to Executor at address below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not requesting verification of debt. I am clearly requesting validation of the debt. This is my third year attempting to have these accounts reasonably investigated in accordance with both the XXXX and also the XXXX 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, XXXX These accounts are not showing the company but were matched to another dispute and were reinserted back on my credit report without me being notified about the reinsertion. 
XXXX XXXX, XXXX, XXXX
Product: Credit card

On XX/XX/XXXX my American Express Card was charged by XXXX ( my business website host ) for {$460.00}. I called and stated that that was too much money and I wanted to close the account. They offered me a 20 % discount and I accepted that. They then charged my card {$370.00}, the agreed upon price. After a few days of not getting the original refund of {$460.00} I called XXXX why I didn't receive a refund and was told the charge was never put through. When I got my Amex bill, it showed 2 charges, one for {$460.00} and one for {$370.00}, both charges. After trying multiple times to resolve with XXXX I called Amex and disputed the charge of {$460.00}. After investigating I was given that amount back and the merchant kept the agreed upon {$370.00}. Fast forward to XX/XX/XXXX. I get a notification from XXXX that my website is being suspended and deleted for non payment. When I contacted them they claimed I disputed the {$370.00} and owed them that money. I contacted Amex and they confirmed that I never disputed that amount and the only amount returned to me was the overcharge of {$460.00}. After dozens of calls and emails to XXXX they said the issue was with Amex and not them. They then told me that to keep from deleting my websites I had to immediately pay {$190.00}. I paid that money ( which I consider to be extortion ) in order to get my business back up and running. I called Amex again, explained the situation and was told to move to another vendor and they would charge back the {$190.00} and {$370.00}. I them moved my websites to a new host. I called Amex back and they now said they couldn't charge back the {$370.00} because it was past 60 days. I paid for 3 years of hosting service and got 7 months worth. I asked them to contact the merchant on my behalf and they said that wasn't possible, that they agreed I was duped but that they couldn't do anything about it. I explained that this was an error on their part according to the vendor and they denied have made the chargeback of {$370.00} and again, told me to contact XXXX. I contacted XXXX again via email and was told by their escalation division that the error was Amex 's and I needed to take it up with them. I spoke to escalation and Amex and they claimed they can't do anything because they aren't allowed to contact merchant 's directly to sort the situation and the computer system doesn't allow for disputes past 60 days. I am at XXXX XXXX  end trying to resolve this. Both XXXX and Amex claim the other made a mistake. All I know is I'm currently out {$370.00} and XXXX for services I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a dispute letter to both XXXX and Equifax. As of this date. XX/XX/2022 I have yet to receive a response. I have attempted to call both of these agencies but was told that the results of my request were mailed. Still nothing.
Product: Mortgage

My loan was sold to New Rez LLC. In XXXX I switched banks and tried to update my checking account details for my autopay, which was carried over from the previous company. There is no way to cancel the autopay on their website. I have contacted New Rez MULTIPLE times trying to get the autopay cancelled. I told them they no longer have my permission to withdraw funds from my checking account. I set up automatic bill pay from my new checking account and paid the mortgage the week before it was due, but they still took the autopay from my old account despite my notifying them more than a month in advance. I spoke with them last week and was told they had cancelled the autopay and were refunding the extra payment, but they have not refunded it and when I log in I still see the autopay set up with the old checking account information. They owe me {$1000.00} that was taken from my account after it had already been paid, and I want my checking account information completely removed from their system, with the autopay cancelled. I am furious with the ineptitude of this company and will NEVER trust them with my checking account information again.
Product: Debt collection

I have a levy on my bank account for a debt from 2013. The amount XXXX
Product: Credit reporting or other personal consumer reports

Experian refuses to update my account balance with the correct information from XXXX XXXX account. The card company reported the balance to all credit agencies. My account statement and a letter from XXXX XXXX clearly shows that the account is closed and paid in full since XX/XX/, but Experian will not update the account, and are violating my rights to have accurate information reported to my account. This is unfair practices and I believe they have a personal issue with me and are retaliating via refusing to update the account. I have never experienced this before and is not sure what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. 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. 


XXXXXXXX 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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed some Unauthorized Inquires on my Credit Report. Ive noticed these Hard Inquiries XXXX of XXXX. 
One XXXX XXXX XXXX from XXXX of XXXX and another CAPITAL ONE dated XXXX of XXXX. I would like these removed. Thank you
Product: Vehicle loan or lease

XXXX XXXX XXXX shows I missed three payments on my credit report. I sent BMW XXXX a lengthy letter regarding the situation with the car during the time which they had full understanding of the car being an accident and I was waiting for a response from them to release a payment for the accident from the driver that had hit me the car wasn't in use the car was at there service provide getting repaired and all good faith they remove the late payment and about XXXX of XXXX the payment showed back up late on my credit report which I understood that this was taken care of already but ended XXXX showing back up on my report. I didn't miss any payment the car was in an accident and I was in full contact with BMW XXXX  in regard of that and trying to get the car back on the rode or if they was going to totaled the car so the payment weren't valid during the time to be paid. Ive sent letter and also emailed XXXX XXXX one of the team leader from the insurance team in regard of my situation during this time and how the accident hinder me to be able to get to work while I waited for them to accept a payment from the driver insurance company so my car can get back on the rode.
Product: Mortgage

My mortgage was recently transferred to Mr. Cooper. I attempted to make an online account on XX/XX/XXXX. The website said it was unable to locate my loan and gave me a phone number to call. The automated system at that number said I needed to call a different number. The automated system at the XXXX  number flat out refused to forward me to a representative. I have since repeatedly attempted to create an online account or contact a representative and have gotten nowhere. The company attempted to call my husband while he was at work today, on XX/XX/XXXX, but left no return number on his voicemail and has not called my phone number, which they do have.
Product: Money transfer, virtual currency, or money service

I tried reaching out before this I dont have a date but it was through email or their contact section i received an email on XXXX about my account being closed and they said I can withdraw any funds left I called the second time on XX/XX/year> and received this case number XXXX where they told me theyd call me back. When I called in the first time the rep would not give me any information when I called the second time rep told me she would have the special case department call me they never contacted me
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person.

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.

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. 

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 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 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, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.