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

Am seeking info on how to contact the financial institution Synchrony Financial. My PayPal Extras MasterCard is issued by Synchrony Financial. I called PayPal to request a replacement for a lost/misplaced card. PayPal " XV2 '' agent reviewed my recent charges for month of XXXX. A {$1.00} charge to " Card Security '' on XXXX was the only transaction. I did not make that purchase/charge and I did not sign up for a recurring or subscription to a card protection service for this credit card. 

PayPal agent did not see any prior charges to this " merchant '' in my PayPal account history. She had no transaction ID or any reference to the charge, just a telephone number XXXX. The PayPal agent flagged the {$1.00} transaction and marked it as suspected fraudulent charge and cancelled that PayPal Extras MasterCard number and ordered a new card to be mailed to me. 

I attempted calling the number associated with the charge twice, once per day on XXXX and XXXX but received " we are currently closed '' message. 

I was able to make a phone connection this morning [ XXXX ] to what I suspect is a call center. First agent would not answer my question, " Where is Synchrony Financial located? How can I contact them regarding my account? '' I was asked for my full name, last 4 digits of my card number and my address. I repeated my question and told the agent I wouldn't give that information in order to simply contain the company 's contact telephone number. I terminated that call and went to a website given on the pre-recorded announcement, www.mycardsecurity.com. On that website, a number for Benefits Representative of XXXX was given. 

When calling that number, got another call center who also asked for my name, address and account info and would not give me the Synchrony Bank contact info. He said that their company HQ is in XXXX, GA. This agent said he could look up my info with my Zip Code. When doing so he said I had signed up for the card security in 2009. This could no the possible because I did not even have a PayPal account in 2009. 

XXXX search for Synchrony Financial states headquarters is in XXXX, CT. I suspect that the Synchrony Financial website may have been spoofed. I would like authentic contact information for Synchrony Financial to speak with someone about the alleged " Card Security '' service. I am concerned that the the {$1.00} charge to my PayPal Extras might have been a " ping '' to verify an active card.
Product: Debt collection

I have never received anything prior to a collection showing up on my credit report. The law states that consumer should be notified 30 days prior to listing anything on credit profile. This company is stating they are collecting on behalf or XXXX XXXX I have no contract signed with XXXX or XXXX XXXX. Per the HIPAA Law it protects my personal health information from being released to anyone not listed. This is reporting and has impacted my credit negatively. If this issue can not be resolved, I will exercise my rights under FCRA and sue for any damage this has cause me in obtaining credit and will contact XXXX XXXX for XXXX XXXX whom is responsible for enforcing the Privacy and Security Rules.
Product: Checking or savings account

On XX/XX/XXXX, I noticed my bank account was completely emptied by a company that says, XXXX XXXX XXXX. I do not recognize this name, so I disputed several of these transactions to the bank On XX/XX/XXXX, there were more charges by this same company, so I disputed those charges as well. I asked Chime Financial Inc. if they were going to credit my bank account, they said " no '', they are conducting an investigation. Now that it has been weeks, I have no choice but to overdraw my bank account due to no funds being in the account. This hurts my credit and I am not the bank, which I am very certain is FDIC insured and should provide a refund immediately.
Product: Vehicle loan or lease

-On XX/XX/XXXX, I prepaid the auto loan for a year in advance from XX/XX/XXXX through XX/XX/XXXX. Payments are {$200.00} per month and I sent {$2400.00}. I sent a written letter with a copy of my statement, to the loan servicing department per the monthly statement loan servicing instructions, with specific instructions my funds were to be applied to the 12 monthly advance payments. -This is the same procedure I followed last year without issue. -This Lender misappropriated my payments and applied my funds to 3 advance payments and the balance to principal reduction without my consent. -They have now put me in the position of having to make 9 additional payments next year, expose me to late charges, damage to my credit and risk of repossession of my automobile if these payments are not made. -I have called the Lender twice with a promise that the Lender would get back to me. The Lender has failed to contact me after a reasonable time has gone by. -When I did call the Lender, I was advised that the Lender 's computer system no longer allows more than 3 months payments in advance. This is totally unacceptable. With the vast capabilities of computers, the inability to accept payments in advance is unreasonable and against consumers ' interests. Further, this Lender was able to accept payments a year in advance the prior year without issue. -This Lender has misappropriated my funds without my consent and has failed to follow-up with me to rectify this problem. -The consumer should not be in the position of having to chase the Lender to rectify a problem caused by the Lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bloomingdales fraudulently charged by account {$6.00} on XX/XX/XXXX, which I had a XXXX dollar balance. I was unaware of this charge until I received a late notice. Union receipt I called Bloomingdales which stated the amount would be refunded & all fees ( late & interest ) would be credited in full, bringing my balance back to XXXX dollars. Upon receiving the following month 's bill there were still charges, which I called again to have the matter resolved. Same story, they fixed the issue, yet really did not ... .Finally in XX/XX/XXXX Bloomingdales was finally been able to issue all credits to ensure the account is XXXX dollars. 

Please note while they issued a full credit for everything related to this matter, they did NOT remove the XX/XX/XXXX late payment from my XXXX credit report. The fact this company charged my account in error, issued all credits, yet reported a late payment to XXXX due to their lack of competency to resolve the matter in a timely fashion and will not remove their error of reporting a late payment is disgusting. A company that is filled with errors, which I as a consumer is helpless should NOT have my credit report impacted. The last payment should be removed & the company should be FINED by the government for harming consumers.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Mortgage

I called my mortgage company to request PMI removal from my loan last year, however they informed me I must reach 30 % equity ratio before they can do that. 
Their own app and website show I am eligible at 20 % though. I brought this to their attention but they haven't fixed it ( almost a year has passed since I first asked ) and it still shows me as eligible for PMI removal. 
I find this unacceptable and would like my PMI removed.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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 or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

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

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attentionto thismatter.
Product: Credit card

I worked for XXXX XXXX for 14 years ( XX/XX/XXXX-XX/XX/XXXX ). I used my Bank of American/XXXX XXXX credit card for both personal and corporate charges. All charges were reconciled monthly and paid accordingly. If it was a company charge, the company paid directly to Bank of America. 
If it was a personal charge, I paid for it personally. 
In XX/XX/XXXX and for the previous 3 years, I was the XXXX of XXXX for XXXX. 
XX/XX/XXXX, the company was forced to close due to XXXX of the partners actions. 
Bank of America filed a lawsuit against XXXX for charges made to my Bank of America card. These charges that were made BY XXXX. XXXX was not able to pay the charges at that time. Bank of America then came after me personally - almost 4 years later and they slapped me with charges of approx $ XXXX plus fees I continued to pay my personal charges monthly until XX/XX/XXXX, when they did this and would not budge. 
I called and emailed and talked with Bank of America, their attorneys, customer service agents, special agents, etc ... ..no resolve. I have sent my enclosed documents countless times. 
It has been 7 years and I need help XXXX had strict policy/procedure how to manage expenses. We had XXXX employees. Many who traveled all over the world and had the same abilities to use personal credit cards for company expenses, and have them paid monthly by the same process - of which is detailed in my attachment. 
NOT ONLY did they do this to me, they did this to XXXX XXXX for approx $ XXXX documentation also attached. 
I need this removed from my credit. I need to be treated fairly - I need my credit to be back to what it once was. 
Please let me know what i can do to help you help me.
Product: Debt collection

XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

In XX/XX/2021 I received a collection notice for {$410.00} from XXXX XXXX for a direct tv account. A settlement was reached for a payment of {$310.00} which was paid on XX/XX/2021. However Im receiving phone calls and letters from Receivables Performance Management Llc trying to collect the remaining {$100.00} XXXX. Ive explained to them on several occasions that a debt settlement amount was offered by XXXX XXXX for {$310.00} to close the account and had been paid. However Receivables Performance Mgmt. continue to harass me stating that I still owe the remaining balance
Product: Debt collection

Several of my debt accounts were settled through judicial settlement and they still are reflected on my credit report with inaccurate amounts being owed. XX/XX/2023 Several Inquires were made on my credit reports as well and were not removed by bureaus. Despite flagging the information., they have not removed the items from my file. 
XX/XX/2023 Also, there are XXXX social security numbers attached to credit files.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Code $ 168c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later then 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

Theses accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agencies may furnish a consumer report under the following circumstances and no other. ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT report anything on my consumer report witch violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer i am demanding the deletion of the account listed IMMEDIATELY.
Product: Consumer Loan

this creditor ( turner acceptance corp ) has sold my account to a third party debt collector has sold my account to XXXX for non payment and was reporting balance correctly at XXXX each month for approx 5 years in XXXX or XXXX of 2016 they changed balance to credit Bureau to XXXX without any notice to me At all which is a fcra violation, I 've called this the original creditor to fix balance but they refuse to do so they just direct me to call collection agency which they do have correct balance but they are not the once negatively reporting to score. Which is another fcra violation, XXXX has fixed this issue for me numerous times and told me the company needs to fix this or this issue will continue each and every month. I have file numerous disputes showing proof of corrected balance to credit be bureau and only XXXX corrected XXXX refused without sending me notice of why they would n't except the proof of correct balance directly from the debt collection agency XXXX, this is affecting my credit and affecting me from being able to purchase a home or to even get a new car. I am willing to pay of balance of XXXX but only if company is willing to remove From credit after receipt of payment due to all the stress and frustration they have cause it reporting this incorrect balance.
Product: Checking or savings account

I sent a certified letter with return receipt to bank of America, the address they list online for checking and Billing Inquiries listed below. The letter contains all relevant details needed to file a dispute. 

The original letter is attached with this CPFB complaint and was sent on XX/XX/2024 to : Bank of America XXXX XXXX XXXX XXXX XXXX XXXX With Certified tracking USPS # XXXX The letter was delivered on XX/XX/2024 and signed for by a Bank of America employee at that address well within 60 days of the original charges I am disputing. 

I also have the return receipt in my possession which shows a bank of America employee signed confirming receipt of the disputed charge letter. I will attach a picture of the return receipt in the documents of this CFPB complaint. 

After nearly 40 days of no correspondence ( Regulation E states Bank must acknowledge your dispute inquiry within 10 business days ), I filed a XXXX   complaint stating that they ignored by dispute charge inquiry letter. I filed the XXXX  complaint on XX/XX/2024 - XXXX  Complaint ID : XXXX A Bank of America Enterprise Resolution Specialist was assigned to my case and called me on Wednesday XX/XX/XXXX. She notified me that their dispute resolution department showed no sign of a dispute and she couldn't do anything about my case. She said I had to file one by calling Bank of America myself. Since the charges are now over 60 days old, the claims department won't let me open the dispute. They said they have no letter from me - despite me sending one and having it signed for, which is well within my legal rights to dispute a charge. 

I spoke with the same Bank of America Enterprise Resolution Specialist and told her that they wouldn't help me dispute the charges. She said she would try on my behalf. After a day, she called me back and said she is unable to file a dispute on my behalf. I told her that this is a violation of my legal rights because I already opened the dispute via sending a letter, which she understood and apologized for but did not give me any options to escalate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am XXXX XXXX XXXX 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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: Mortgage

Recently I noticed my mortgage was not reporting to any of the 3 credit bureaus, after looking into it I found my mortgage was being reported as closed due to bankruptcy! 
After speaking with their customer service in XX/XX/XXXX I was told all they would need is my bankruptcy papers from XX/XX/XXXX stating that particular mortgage was exempt. On XX/XX/XXXX I scanned and sent copies of the bankruptcy paperwork showing my property was exempt as they asked. On XX/XX/XXXX I received an email stating that my home could not be exempt from bankruptcy! I called on XX/XX/XXXX to follow up, spoke with 3 different representatives in 3 different departments, customer service, closed loans and blue bankruptcy! No one has taken the time to follow the paper trail that would show this is an open, up to date mortgage that was never foreclosed or in bankruptcy. I did have another loan with the same mortgage company that did go to bankruptcy, I wonder if they are confusing one for another. They say no. I asked to speak with a supervisor on my call of XX/XX/XXXX and was told she was not in the building. Was once again told by yet another account rep that someone would get back to me. In the meantime I can not get the credit I deserve with the loan showing as a closed, and in bankruptcy account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Mountain Land Collections is reporting a collection on my credit file that is inaccurate and must be removed. I recently checked my credit and noticed this debt reporting. I tried calling and nobody could give me any information about this debt. Well apparently it is medical debt. I never signed or gave Mountain Land Collections a HIPPA patient release form allowing them to report on this medical debt. That is a HIPPA violation and this is unlawful. This collection must be removed immediately.