23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

filing a compliant against Synchrony Bank paypal credit. They have been harressing me for months thru e-mail and mail. Paying them {$50.00} on the fifth of each month. On a fixed income. Can hardly pay this. They continue to e-mail me and send me mail all month long. 

They have to accept the {$50.00} because I can not pay them anymore money.
Product: Mortgage

I applied for a mortgage refinance in XXXX, 2020. My home was appraised on XX/XX/XXXX, and all information provided to Amerisave in time for me to receive initial closing disclosures on XX/XX/2020. In the several months since then, the closing has not been scheduled to date. The company has repeatedly asked me for information that I had previously provided. Each time I provide them requested information, always within 24 hours of their request, I get repeated requests for more information and then weeks go by without hearing from anyone. Then someone else looks at it, asks me for more repeated backup and/or updated information. The people working on my loan do not understand compensation of a business owner - they have asked irrelevant questions. At one point the loan orignator, XXXX XXXX, told me he thought they were going to deny the loan because of lack of compensation ( untrue ). I applied for another loan and my credit was pinged again. Then the loan processor, XXXX XXXX, told me they were on closing the loan. This was two months ago. They then came back and told me they needed another credit score because so much time had passed. There are now 3 checks of my credit, impacting my score, and I still have not refinanced, nor can I get even the courtesy of a reply. This has dragged on for six months and I can not get any answers from anyone. I have contacted both my loan originator and loan processor repeatedly and been ignored for weeks at a time. I have called their customer service line and received no reply. This is costing me money each month and has now significantly impacted my credit score so it will hurt me to switch to a different company at this point in the process.
Product: Mortgage

My ex wife had me removed from the deed and I was the sole person on the mortgage. XXXX XXXX XXXX XXXX XXXX ga XXXX. Then she contacted truist mortgage and told them I was missing for a year when I wasnt and had the bank let her make the decisions for the account and eventually close and refinance. Then she took the escrow check made out to me in my name and deposit it into her bank account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I found what looks like an incorrect accounts that arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, and did not make the account for XXXX XXXX XXXX. I am requesting that the item ( s ) be blocked to correct my credit report. Enclosed are copies of the report from FTC supporting my position. Please investigate this matter and block the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  reports MONTHLY on all  XXXX  credit bureaus for an account with a balance of  XXXX  it appeas to have started as  XXXX  and possibly connected  to (   XXXX   XXXX   XXXX   ). I  have tried for a few years to figure out what is going on. I have disputed this with all  XXXX  bureaus at leas t 18  times to no avail.  XXXX   XXXX   XXXX  shows on the report with the telephone  XXXX  and address of   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , FL  XXXX . When i call the number it is the home loa ns ans n ot student loans. The representatives ALL state that I do not have nay student loans with them and the student loans center is closed indefinitely. yet the credit reporting is monthly and renews monthly which lowers my credit report score. I was able to call  XXXX  and the number sends me to the website : nslds.ed.gov. Again I am unble to locate information. I can not g et ANY i nfo from   XXXX   XXXX   XXXX   XXXX  Yet they report monthly. I do have info saying that no payments has ever been made meaning the date of last payment was older than 7 years ago ( per FCRA any account that has not had a payment in 7 years should not show on my report s ). The  credit bureaus were able to give me that information as well as date opene d in 2004. I w ould not have been  XXXX  i n 2004.  This account  XXXX   XXXX  and  XXXX   XXXX   XXXX  need to be removed for many reasons  ans the mo st obvious is the age of the alleged accounts and date of last payment. They are illegally reporting monthly and renewing the debt monthly/.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX account # XXXX, has violated my rights. 
XXXX Bank account # XXXX, has violated my rights. 
XXXX Bank, XXXXXXXX account # XXXX, has violated my rights. 
XXXX Bank, 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.

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 relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

After defaulting on the loan due to no longer having a job, my XXXX XXXX account was sent to Synchrony Bank. Once I defaulted, I received harassing emails and phone calls from Synchrony Bank multiple times a day, so I simply told them to stop calling me until I can pay the loan off. As a XXXX XXXX XXXX, the defaulted loan caused my XXXX XXXX XXXX to be denied. I needed to provide proof the loan was paid in full in order to get my XXXX XXXX. 

On XX/XX/year>, I called Synchrony Bank to set up a settlement to pay off the loan for less than the amount due. We reached an agreement to pay off the loan for less than the amount for around {$800.00}. I requested a confirmation email of my payment and the settlement agreement sent via email. I was told by the agent that I had a " cease and desist '' on my account because I told them to stop calling me and that I could not get sent communications unless it was taken off. Although it sounded like a stretch of the truth, I asked how to take it off and was told to fax a number requesting for its removal. and after XXXX hours it would be taken off the account. I sent the fax but it was returned. I sent multiple more, all returned. I called back and was told that I was given the wrong fax. 

Growing increasingly concerned for the way this was being handled, I relented and sent the fax to the correct number and paid off the account. I called back 2 days later expecting the cease and desist to be removed from my account and the confirmations sent to me. To my surprise, Synchrony Bank added another hoop preventing me from getting my confirmations. They told me it would take 30 days to get a letter in the mail that my account was paid in full, quite long but fine, I just want my confirmations now. I was then told that my account was no longer at Synchrony Bank, it was with a different " agency '' and that they can not send my confirmations even through I sent the fax they requested because it will take 30 days for Synchrony to receive my account again. I asked what agency and she said she didn't know. I requested to speak to a manager and the manager said the " agency '' was actually Synchrony bank. Excuse me?

You can understand my confusion here, I was told I can get these confirmations of payment and settlement agreement via email if I sent the fax. I sent the fax and now I can not get said confirmations because my account has been moved from Synchrony ... ... to Synchrony. I was to speak with another supervisor and after waiting XXXX minutes, was hung up on. 

There is something going very wrong with a company that can not simply send communications confirming large sums of payments and requiring so many hoops just to get XXXX. I just want email confirmation of my payment and email confirmation of the settlement agreement. For Synchrony to refuse to send this and lie about the reasons why, makes them a suspicious business engaging in unethical business practices.
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.In accordance with the Fair Credit Reporting act. 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 Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX FIN XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer XXXX credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent accounts consist of a personal loan account opened at XXXX XXXX  on XXXX XXXX, XXXX under the account number ( *** XXXX ). I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit and auto loans account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), an auto loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX under the account number ( XXXX ), personal loan XXXX XXXX  on XXXX XXXX, XXXX under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent accounts appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on myconsumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft andfraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX subject : Dispute of Unauthorized Hard Inquiries Under 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute unauthorized inquiries on my credit report that I did not authorize, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b. This section of the law strictly limits who may access a consumers credit report and under what circumstances.

Upon reviewing my credit report, I noticed the following inquiries that I do not recognize and for which I did not provide explicit authorization XXXXinquiries I want to take off my credit report is : XXXX XXXX  XXXX Important dates Inquiry date XX/XX/XXXX XXXX  XXXX XXXX Important dates Inquiry date XX/XX/XXXX CCB/BREADCASHBACK Important dates Inquiry date XX/XX/XXXX XXXX CARD Important dates Inquiry date XX/XX/XXXX XXXX  XXXX XXXX 
Important dates Inquiry date XX/XX/XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XX/XX/XXXX Under the FCRA, a company must have a permissible purpose to access my credit report. If these companies do not have a signed authorization or another legally valid reason for these inquiries, they must be removed immediately. 

I request that you investigate these inquiries and provide proof of my authorization. If no such proof exists, I demand that these inquiries be removed from my credit file immediately. Additionally, please provide me with an updated copy of my credit report reflecting these changes. 

Failure to comply with this request may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or legal action. 

Please confirm in writing that you have removed these inquiries from my credit report. I expect a response within 30 days, as required by the FCRA. If you determine that any of the listed inquiries do not meet the permissible purpose requirements of 15 USC 1681b, I request that you promptly remove the unauthorized entries from my credit file. I am also aware of recent legal actions initiated against Experian concerning the inadequate investigation of disputed entries, including unauthorized inquiries. These lawsuits highlight significant concerns regarding compliance with the Fair Credit Reporting Act. In light of these developments, I expect Experian to adhere strictly to its legal obligations by conducting a comprehensive investigation into the inquiries in question and ensuring that only those made under a valid permissible purpose remain on my report.
Product: Credit reporting or other personal consumer reports

I paid off my loan to XXXX around XXXX. They have reported that info to XXXX and they have updated my credit report. XXXX and Transunion have yet to update my credit report, even though I have submitted at least two disputes, providing the info to them that the account is paid in full. At one point they removed it from my credit stating it was paid in full, but then put it back on my credit report a few days later. I decided to reach out to XXXX to see if they could reach out to the credit reporting agencies and they say my account doesn't exist since it's been paid in full. I have submitted proof to the reporting agencies showing that my loan is paid in full. I got the loan pay off letter in my email from XXXX when I paid off my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX, PA XXXX RE : Fraudulent Inquiry. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply. Specifically about the following unauthorized, false and fraudulent credit inquiries that were made by the following companies : Inquiries in Dispute : 1. XXXX  Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 2. XXXX XXXX Delete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 3. XXXXDelete this Inquiry for fraudulent reporting becuase Permissible purpose literally means that there must be a reason that they pulled my credit and that it must conform to the FCRA this doesnt and needs to be removed. The Inquiry was reported on XXXX 4. XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 5. XXXX XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 6. XXXX XXXX XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply - remove immediately The Inquiry was reported on XXXX 7. XXXX Delete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 8. XXXX XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 9. XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX 10. XXXX XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX XXXX. XXXXDelete this Inquiry for fraudulent reporting becuase The only permissible purposes of an inquiry are employment, insurance, court order and firm offer of credit, neither of which apply- remove immediately The Inquiry was reported on XXXX XXXX XXXX
Product: Credit card or prepaid card

Please see attached documents of communications- however I will summarize below : * I initiated a " 12 month deferred interest '' credit card with the XXXX furniture website ( XXXX ) in XXXX XXXX to open a card that is " managed '' by Comenity Bank as their credit provider. 
* I was approved for a " 12 month deferred interest '' credit card in XX/XX/XXXX, and proceeded to make my purchases, and have continually made my payments on time. 
* As the monthly " bill '' arrives electronically via email- I typically just pay my bill via cell phone * In XXXX XXXX I went into the website to actually " open '' my statement ( which takes a few additional steps to do from the email bill that arrives ) and realized they were charging me interest, in error. 
* I immediately contacted XXXX, who directed me to their credit card partner- XXXX XXXX XXXX In XXXX I called XXXX and opened a formal " dispute '' about the charges * XXXX  XXXX   XXXX with a letter in the mail informing me that as I had not notified them of THEIR ERROR within 60 days, the interest charges would not be reversed- nor would they make an adjustment for the life of the credit card balance to adjust my card to be " 12 month interest deferred '' * I contacted XXXX, and they verified that they properly reported the account to XXXX XXXX as a " 12 month deferred interest '' account, and the error was not on their end, however they agreed to provide me with an email stating that the account was, and should have been coded as a " 12 month interest deferred ''. 
* I provided this information to XXXX in XX/XX/XXXX via a formal writtem- certified mail 2nd complaint. While I have never received a formal written response from my 2nd complaint via mail ( although they tell me verbally otherwise ), a XXXX  representative has verified via telephone call for me that their original decision stands, and that the account will NOT be changed to my CONTRACTUALLY AGREED UPON TERMS to have a " 12 months interest deferred '' credit card- nor would they reverse any previous interest charges as " 60 days have passed since the initial error '' - regardless of upon who the responsibility for the error lies. 
* I contacted XXXX via email as a foollow-up and have not received a response * I feel this is clearly " deceptive '' practices on the part of XXXX, and in turn, XXXX as my provider. 
* I have provided all documentation for this case via upload
Product: Money transfer, virtual currency, or money service

I went to my local chase bank atm to pull out my monthly fixed amount of XXXX . But This time when I put in my card after I had gone through my normal button routine, something went wrong ... Instead of giving me my money the atm machine had a message that read " Having problem printing receipt, try again later '' and it printed a receipt with a sequence number. I couldnt do anything because this was XXXX on a saturday, and they were closed. The date was XX/XX/17. So on monday the XXXX, I went inside the branch to get some answers. I figured they could see the atm info and see I never got anything. But no they couldnt help me besides telling me I had to file a claim on XXXX. Which is the state of washingtons government assistance agency. Like I had said I am on a very limited fixed amount each month and the bank had just taken it all from me.