23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been trying to rectify this account since I learned of this fraud charge. On Tuesday XX/XX/year> I arrived at work at XXXX. I used the badge reader to enter the building. I did not leave until the end of day between XXXX and XXXX. I did not take off that day, I was present the entire day. This is reflected in the attachment marked ( ID Badge ). It shows I used my badge to enter my workspace. I received an email stating I made a charge on my XXXX card of $ XXXX. I contacted the company Synchrony Bank letting them know I was at work 40 miles away and did not make the charge. My husband and I had not used the card in years, we thought it was closed. We did not like the service they provided on his truck/SUV, so we took our business elsewhere. Synchrony closed the account at my request and started the investigation process. I have contacted XXXX Customer Service and XXXX Synchrony Bank well over 50 times since XX/XX/year>. I have spoken to countless representatives that have placed my account on a 45 day hold while they investigated the charges. They have investigators contact me about the account, but do not want any information from me. I find this odd if I am the victim in this investigation. I have visited the XXXX store that authorized the charge and they do not see any information in their computers that link my XXXX Synchrony XXXX XXXX account to the fraudulent charges listed on my credit report. I have shared this information with two of the investigators and they have been very dismissive. I was able to speak to one investigator who completed a 3 way call for me to the XXXX store that authorized the purchase and after she heard the information I have been saying stated word-for-word by the XXXX store agent she asked that a letter be drawn up that is on XXXX letterhead stating the charges are fraudulent. I have not received that letter from XXXX. I reached out to XXXX Corporate offices in XXXX XXXX and left a long complaint. I received an email from XXXX XXXX. You will be able to see the email thread in the attachment labeled ( Gmail-Fraud/Gmail-Complaint ). I pleaded with him to drop these fraudulent charges because they were not made by me. I also insisted he continue to complete his own investigation of these charges. He has placed my case on the back-burner and I have not heard from him, unless I am reaching out first. XXXX deleted this off my credit report. XXXX has not. Since XX/XX/year> I have had my name changed, I have bought a new XXXX XXXX and traded in the XXXX XXXX. The XXXX XXXX was the vehicle that was stated to have benefited from the {$1400.00}. This account continues to bring down my credit score each time the investigation ends. They are requesting I pay back the amount on the card with interest. I refuse to pay a charge I did not benefit from or authorize.
Product: Credit card or prepaid card

Hi Team, this is with Apple credit card transaction. I have purchased XXXX XXXX leather case over XXXX. I have returned it within the return policy. Its been 4 months now. still, i am being charged. contacted support every other month and also escalated every time but it is not resolved. 
even escalation process is not effected. this is misleading the customer and need to be resolved. 

I have wasted many days in following up patiently with the support specialist but nothing is resolved. All the promise made to resolved is in vain. 

i need help to investigate this as this could be happening with a large customer base.. 

also Apple has deleted the posted transactions without my consent. This is a question of integrity and transparency.
Product: Credit reporting or other personal consumer reports

This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I XXXX request that you please take it off my credit report.
Product: Money transfer, virtual currency, or money service

This involves Paypal. On XX/XX/XXXX, I sent a payment on Paypal to the account XXXX. We mutually agreed on XXXX for an online ticket purchase. I purchased 4 tickets totaling {$120.00}. The XXXX account under the name XXXX XXXX did not send the tickets. I was scammed. The Paypal account with the email XXXX, is under the name XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX  Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I recently began using the " snowball '' method to pay off my student loans. I have them on a Navient auto-payment plan that takes {$360.00} per month from my account, and I have been making " extra '' payments for about 6 months. Today I realized that the extra payments I have been making are being allocated toward interest. I did not realize this was happening and called to find out how to avoid this. I explained the situation to the representative and had to ask her 3 times how to avoid this because she did n't want to answer my question. On the third time she tried evade my question, I told her I work in finance and do n't need her to give me a lesson on how payment allocation works, I just want to know how to send an extra payment toward principle only and finally she told me that when making a payment through their website as I had been, you ca n't select a principal only payment and that I would have to either send a check with written instructions for principal payment only or call them when I want to make a principal only payment. This is not clear and though I should have checked on this sooner, I think it is a terrible business practice to impose on student loan borrowers trying to make extra payments to get out of debt. I think the rep was deliberately trying to avoid giving me an answer to the question of how to make a principal only payment as it took me asking the exact same question multiple times to get an answer. I was not able to find ( though it may exist ) any information about this in their help section which is what prompted my call. 

Their system needs to either let the borrower make principal only payments or clearly state how the payment is being broken down when processed manually through their system, upon processing or in the confirmation email. Further, reps should not avoid answering the borrowers questions.
Product: Debt collection

Resurgent Capital ( XXXX ) submitted a claim on a credit card that the Statute of Limitation has run out. They have submitted a claim on my chapter XXXX bankruptcy that had a charge off date of 2003. I have prevously disputed the debt several times when they bought this debt from XXXX. They have not been able to provide me a verification of the debt, so this debt is not valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX to dispute a XXXX XXXX XXXX Acccount that is reporting inaccurately on my credit profile. They returned a response of verified as accurate in which I am quite behooved. I myself contacted XXXX XXXX XXXX and they were not able to validate this account. First off let me say I do not have an account with XXXX XXXX XXXX. I did get approved for a car loan and did sign documents for the loan. XXXX XXXX XXXX Sent the check directly to the car dealership XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX ( Car Dealership seems to be Now closed down ) I was never delivered a vehicle and NEVER took possession of the vehicle. This was also known by bank rep XXXX who handled the loan process who in turn tried to contact the car dealership and was not able to locate the vehicle. XXXX and the dealership both confirmed to me that the check was received by the dealership in the amount of {$31000.00}, I have a voicemail recording from XXXX that will serve as proof that I NEVER taken possession of ANY vehicle. Fast forward a few months. I reached out to XXXX a few more times and to no avail was I able to reach him, even went into the local branch and was advised he was out to lunch. 
( I know feel as though he was avoiding my calls ) A few months later I check my credit report in the process of refinancing my home and I notice a collection/charge off in the amount of {$31000.00}. Mind you I was never sent a bill, statement, payment due notice, or past due notice from XXXX XXXX XXXX. I'm quite confused on how an account that is reporting as an auto loan didn't go through the repossession phase. How did it go straight to charge off if its indeed an auto loan? Wouldn't XXXX XXXX XXXX want possession back of a XXXX car that not being paid for? Clearly there is an error somewhere, and clearly XXXX XXXX XXXX KNEW that I NEVER took possession of that car and still trying to collect on the debt. They sent the check to the dealership, wouldn't that discrepancy be between the Bank and the Dealership? 
I contacted XXXX XXXX  XXXX directly on XX/XX/XXXX @ XXXX XXXX talked with XXXX, XXXX, and XXXX who all advised that I signed for a personal loan and not a auto loan which is why no repossession occured. So my question to them was why is it then reporting on my credit report as an auto loan? Clearly there is a numerous amount of errors in the reporting of this debt and I requested for Equifax to remove based on the FCRA violatons. I even noticed there is no dispute notation noted even after contacting XXXX XXXX XXXX via certified mail, I sent proof of the validation request, and a screenshot to Equifax showing no dispute notation and they are continuously responded back to my dispute as verfied WITHOUT launching a complete investigation into this matter. There is no way in the world this account was investigated and verified as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continues to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to Equifax on XX/XX/, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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
Product: Debt collection

This company Ability recovery service continues to report false information on my credit report about me! I have no knowledge of the account or the amount they say I have to pay! Youre violating ( FCRA ) by reporting false information about me on my credit report and continue to do so on a weekly bases. I have no account thats open with them nor do I know where the account came from! I will file a civil lawsuit next!
Product: Credit reporting or other personal consumer reports

My information was exposed to a date breach by equifax my information has been compromised. XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

The company approved a loan modification with larger payments than original loan. The approved loan modification was effective XX/XX/year> with initial payment XXXX. The payments were astronomically high because of the miscalculation from HAMP procedures. I failed to make the large payments from miscalculated HAMP loan modifications and was denied a additional loan modification XX/XX/year>. In return caused my home to go into foreclosure and forcing that I sale home under value with a short sale. The miscalculations from HAMP cause me loan denial and a forced foreclosure.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the XXXX
Product: Checking or savings account

HSBC sent me a letter by mail, offering me to " Get a {$350.00} Welcome Deposit with a new HSBC Advance relationship and qualifying activities. '' I satisfied all of the conditions for the {$350.00} Welcome Deposit months ago, but HSBC refuses to pay without any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. 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 of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXX-Date of XXXX XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXXDate of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXXDate of inquiry XX/XX/2021 XXXX-Date of inquiry XX/XX/2021 XXXXDate of inquiry XX/XX/2021 XXXX XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX XXXXDate of XXXX XX/XX/2021 XXXX-Date of inquiry XX/XX/2021
Product: Student loan

I need some help maneuvering the student loan bureaucracy and ask for assistance to help me qualify for loan forgiveness through the Public Service Loan Forgiveness ( PSLF ) program. Here 's my background : I have been paying monthly on my student loan since XX/XX/XXXX ( over 120 payments ). When I first started paying my student loan after XXXX school, I was making payments to Sallie Mae, which eventually was sold to Navient. Much like when a mortgage is sold, you just keep paying monthly to the loan provider, which is what I did. I also have worked full-time in XXXX XXXX for over 10 years. First, with the University XXXX XXXX ( XX/XX/XXXX-XX/XX/XXXX ) and XXXX XXXX XXXX University ( XX/XX/XXXX- XX/XX/XXXX ). I qualify for the PSLF based on my years of public service and consistent re-payment of the load. Unfortunately, there is a loop hole in the law that the loans have to be consolidated under a directly consolidated loan through the federal government to qualify. Since was making payments through Sallie Mae and Navient, I was told by Federal Student Aid that my years of payments essentially " don't count '' toward loan forgiveness and I would have to consolidate the loan and make 120 more payments to qualify. I would have no way to have known about these options through Navient. This law was put in place to help those of us with crippling student load debt ; however, I would not have known to consolidate the loan back in XX/XX/XXXX when the law was put into effect. The issue is that I would have had no way to know this. I've done everything right. Consistent monthly payments for 14 years, working for state institutions and supporting public education. The issue is that
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. 

Account name : XXXX XXXX Account # XXXX, Account name : # XXXX XXXX Account name : # XXXX XXXX XXXXXXXX, 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Chapters
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested the METHOD OF VERIFICATION multiple times with Experian, XXXX, XXXX  concerning this Bankruptcy that is reporting on my credit report. Per FCRA, Section 609 a ( 2 ) I am requesting to see what Experian, XXXX, and XXXX  used as proof to verify the bankruptcy. Experian, XXXX, and XXXX  has repeatedly sent me pre-made letters stating, " VERIFIED '' and the information was furnished to them through XXXX XXXX. This is impossible that Experian investigated this situation due to the fact I spoke with a representative of XXXX XXXX AT XXXX and XXXX XXXX STATED THERE IS A FREEZE DUE TO IDENTITY THEFT ON MY REPORT AND THEY DID NOT VERIFY ANY INFORMATION WITH EXPERIAN, XXXX, AND XXXX. 

Also, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states " ... if request by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, in the business name and address of any furnisher of information CONTACTED, meaning a LIVE PERSON NOT A COMPUTER DATABASE in connection with such information and the telephone number of such furnisher if reasonably available ... '' Credit reporting agencies are required to conduct investigations of disputed items with the " FURNISHER '' of information. The Bankruptcy Court should be the furnisher of information not a third-party source such as XXXX XXXX. 

I will be sending a copy of this letter to the CEO of Experian. I will not accept any more pre-made responses from EXPERIAN!
Product: Debt collection

This issue started when I lived in XXXX XXXX, Tn. I don't remember the exact dates but I lived in my house from XXXX. I ordered XXXX XXXX from XXXX XXXX XXXX. The service man came out to connect my service but informed me that because of where my house was sitting I would not be able to get a signal. My house sat at the bottom of hills that surrounded my house. I called to inform customer service of this and they said since i called within the 3 day grace period that I would not incur any charges. Now I have a strike against me on my credit report because of them and XXXX XXXX XXXX has sold my account to a collections agency who is trying to collect {$110.00} from me. I had called XXXX XXXX XXXX to discuss the charges and what I had been told and they said that I had been given misinformation and that I had to pay the installation charges even though I was unable to get service. I was totally lied to by XXXX XXXX XXXX. First of all the customer service rep should have been able to let me know if I could get service at my address or not. This is such bad business practice. I want this report removed and closed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting inquiries that do not belong to me or that I have never applied for. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Approximately XXXX ( XXXX ) months ago I received an e-mail notice from Synchrony Bank that they were closing my JCP account. I was never late/never past due/never over limit - no negatives. Reason given directed me to see what XXXX credit bureau file. 

Credit bureau referred me back to Synchrony Bank. 

Please note I had XXXX ( XXXX ) active retailer accounts with Synchrony Bank at that time. All paid on time/as agreed/no negatives. 

Synchrony Bank has not responded to my letter requesting reconsideration sent in XX/XX/year>. 

Synchrony Bank has not represented JCP in a favorable light. 
Seems very abritrary and discriminatory.
Product: Debt collection

Man y Allied Interstate ph one calls wi th 3 conversations with  their representatives ( latest conversation was o n   XX/XX/XXXX  ) expl aining that the debt they are trying to collect is a result of identity theft and all required documentation was  submitted to both the original creditor :   XXXX   XXXX   XXXX   and current creditor :  XXXX   XXXX   XXXX . The documentation included credit cards with  XXXX   XXXX  that were in good standing with proof of address, FTC identification theft affidavit an d City of     XXXX  n incident r eport regarding identify theft were submitted on   XX/XX/XXXX .Thereafter, no calls were r eceived.     However, since mid  XXXX ,   XXXX  , started receiving phone call s. Allied Interstate said the bought the outstanding loans from the   XXXX   XXXX   XXXX  . Then, I received another letter dated    XX/XX/XXXX  from Allied Interstate stati ng that  XXXX   XXXX   XXXX  is willing to accept payment of {$190.00} within 30 days! This despite all documentation was provided disputing the charge.to everyone involved.
Product: Debt collection

On XXXX XXXX Dynamic Recovery Services reported a debt that is over seven years old to XXXX. It is my understanding that after seven years a debt can not be reported to the credit bureaus. The statue of limitations for debt liability in Ohio is six years. I would like this removed from my credit reports immediately.