23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 they are suppose to 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 card or prepaid card

On XX/XX/2018 I received an email from Chase letting me know that their airport lounge benefit would be changed from free admission for me and my family members traveling with me to just 2 guests. I have more than 3 people in my family and therefore I will be charged for my family members to use the airport lounges. I specially signed up for this card for this benefit. I paid a {$450.00} annual fee in order to use this benefit when I travel with my family. I barely had the card for 2 months and now Chase is playing classic " bait & switch '' by changing the benefit after they took my {$450.00}. I called customer service and they offered no resolution other than saying " sorry ''.
Product: Credit card

I discovered there was an Aspire Credit Card on my credit report showing a one month payment history. I have a fraud alert on my credit report therefore I should be contacted for every credit inquiry. I was never contacted by this company. I disputed the account with XXXX as identity theft. XXXX has deleted the Aspire credit inquiry from my credit report, therefore Aspire should remove that account from my credit report as they are currently flagging the account as past due.
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 XXXX XXXX XXXX XXXX XXXXXXXX Account Name : Untitled 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: Mortgage

Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. 
I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! 
I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.
Product: Credit reporting or other personal consumer reports

Ive requested Experian, XXXX and XXXX to remove all none mailable addresses from my credit report I live in Ohio I can not receive mail from all these other states thats being named. They said they were taking them off then update them and left them on my report. so if these companies mailing letters to a address Im not associated with this mail contains my personal information in them which somebody can steal my identity for there actions.
Product: Debt collection

Thank you for your recent contact dated : XX/XX/XXXX. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act XXXX  and what actions s/he has taken in relation to this account.
Product: Vehicle loan or lease

This debt is not mine someone else made this fraud on me and it wasnt me that signed I want this off my credit now in all three credit reports. I demand this debt off or else Im sueingvthe company.
Product: Money transfer, virtual currency, or money service

Well I have a hacker on my phone and he went through Venmo and hes taking my money and hes changing my passwords and he sending me pictures of myself at work he sending me pictures of little children and its been going on for months I can not get any help from XXXX or XXXX? or anybody and Im stuck with this hacker
Product: Credit reporting or other personal consumer reports

Experian has failed to fullfill its legal obligation under the Fair Credit Reporting Act to conduct a reseasonble reinvestigation to dispute information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify Consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected or removed disputed items dispite the evidence is provided causing on going harm to my credit stands. I am requesting immediate corrective action to remove or amend the disputed accounts, as experian inactions violates federal law and my rights as a consumer
Product: Mortgage

My recent complaint ( XXXX ) filed XXXX was closed WITHOUT CLEAR EXPLANTION of why XXXX XXXX XXXX  XXXX has NOT reported my existing loan since XXXX XXXX through XXXX to the credit reporting agencies. 

While US BANK had the right to the legal process it took, the RESULT and HARM TO ME was to wipe my mortgage off my credit report completely. There was NO follow up with XXXX County Circuit Court to notify them I had Satisfied the Judgment. 

I do not have CREDIT for one of my longest creditors through XXXX, XXXX  or XXXX.
Product: Debt collection

+XXXX claims to be calling in behalf of XXXX XXXX. threathing to take you to court for accounts thats do not exist. people use abusive language. They claim the agents name is XXXX XXXX from. alternative solutions. THIS sounds like a total scam ... Account does not exist. and I do not have outstanding accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   XXXX , I sent a request to Equifax asking them to investigate some inaccuracies on my credit report.  XXXX  request was for  XXXX   XXXX   XXXX . Prior to this, I sent  XXXX  certified letters  (   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  ) to  XXXX  requesting a balance and original document in its ' original form. I did not receive the requested documents from  XXXX , and instead received an incomplete request for repayment plan. I later sent a copy of the letter to Equifax requesting that they request the information from  XXXX . I called Equifax on Thursday,  XXXX   XXXX ,  XXXX  to determine the outcome. After speaking with  XXXX  representatives who were unable to assist me, I was transferred to  XXXX  in the Office of Consumer Affairs. He explained that my request for Equifax to investigate the inaccuracies with  XXXX  were not completed and did not offer a reason why. I ask for your assistance to remedy this situation.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX  XXXX XXXX XXXX : {$2500.00}
Product: Vehicle loan or lease

[ XXXX XXXX ] [ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX United States ] [ XXXX ] [ XXXX ] [ XXXX ] Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance with Navy Federal Auto Loan Dispute Dear Consumer Financial Protection Bureau , I am writing to request your assistance with an issue involving my auto loan through Navy Federal Credit Union and a failed vehicle purchase. 

In [ XX/XX/XXXX ], I obtained an auto loan from Navy Federal to purchase a XXXX XXXX XXXX from a dealership in XXXX  called XXXX XXXX  they were closed down permanently due to fraud as well. Along with the vehicle, I also paid for custom-made rims and seats, and the vehicle was to be delivered to XXXX. 

During the delivery period, I was unexpectedly detained in XXXX for being in the presence of individuals who were in possession of firearms. I was wrongfully XXXX  and have proof of my XXXX  during this time. 

Despite making payment for the vehicle and accessories, I never received the car. I reported the car missing and informed Navy Federal of the situation. However, my account with them has not yet been resolved, and I would like to maintain my relationship with Navy Federal while addressing this issue. 

I am seeking your help in resolving this matter, as I believe I have been a victim of fraud by XXXX XXXX I would appreciate any guidance or action you can take to assist me in reaching a fair resolution. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to assist in your investigation. 

Sincerely, [ XXXX XXXX ]
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.

The letters are stated with items and issues.

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 othe
r 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: Mortgage

I applied for a loan modification. During the loan modification process the mortgage company would sporadically ask me for information I would submit it and they would ask me for more. Weeks would go by before they would ask me for another piece of information to complete the loan package. In other words I never got a loan package to complete at once it was piecemeal to me. I assume this happened to delay the process for the mortgage company to foreclose on me basically run out of time. I have a lot of equity in the home and I believe that the mortgage company has no intent on modifying my loan just to foreclose and take the equity.
Product: Checking or savings account

On XX/XX/XXXX Bank of America closed my accounts unlawfully. I tried sending a XXXX payment on XX/XX/XXXX as well as I verified my sender which I time the fraud rep that I was sending XXXX to my mom. I later got locked out of my account. I am requesting my account be reopened. There was no financial rules or laws broken by trying to use my account to suit my personal needs. I am requesting a reevaluation of my account and reopen my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a debt validation letter to Transunion Credit Bureau and a week before the 30 days mark, I received a letter stating the dispute they received was believed to be fraud and was not processed due to that. I reached out to them on XX/XX/2022 around XXXX est. and between XXXX and XXXX I had to call back 3 times. They refused, even after asking me my personal information and verifying it over the phone to process the debt validation letter I sent to them. They kept wanting me to do it over the phone with them. I know from past experience its best to have a paper trail with these documents. I asked the representative over the phone why was she trying to make me process the claims over the phone if they have the letter, I sent in. Her response is they are able to lead the consumer to make the claim online, that just seemed weird to me that she would just keep trying to persuade me to do that. So, after I said no repeatedly all of a sudden, the call ended. So, I called back and this time they didn't have to transfer me to the fraud dept. she said she worked in that dept and just started saying just let me help you and I was like you already know who I am? This led me to believe they either flagged my account or something. Needless to say, she wanted to do the same thing, so I said let me log into my Transunion and she also ended the call. Then the third person answered the phone saying hello XXXX and I didn't even put my info in, so now without a doubt I know they are harassing me or refusing to complete my debt validation because I kept refusing for them to open a dispute online. I also told the first assistant I was recording the call and that really made her irate. I just don't trust them with my information, and I wish someone would reach out to them and see why they would think a dispute letter is fraudulent coming from my address that I reside at, and I have a fraud message on my credit file with my phone number, the same number I called them from. I just know they are only doing that to prevent following the guidelines and processing the disputes. Even if it was a third-party dispute why would that negate not completing it?
Product: Mortgage

I have faced discrimination from your company and humiliation from your attorney XXXX XXXX. I have filed a civil rights complaint against you. 

Please see attached.
Product: Debt collection

I called to resolve the amounts that were told to me of XXXX and another amount of XXXX. I did not receive anything to show where these amounts came from. The gentleman who I spoke with was very rude and was not very helpful in trying to come up with a settlement amount. I asked to speak with a manager or supervisor and he stated that he was a manager. I understand that they want their money but 90 % of what someone owes is not helping someone who is not able to afford it. With all the sickness and deaths happening, I thought he would've been a little more compassionate. I know that I owe the money and I want to pay them but I am in need of a little help. Thank you in advance for any help that you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was on automatic payment for almost 22yrs I lost my check book and account number changed in bank On XX/XX/XXXX the total balance amount paid in full {$130.00} On XX/XX/XXXX the bank returned payment and card company charge me {$29.00} fee On XX/XX/XXXX I had a call with the agent and requested to reversal {$29.00} as one time credit and she gave me the balance amount to be paid is {$130.00} I made the balance payment of {$130.00} and was thinking balance is XXXX and did not check the online statements but she never removed the amount and {$29.00} it was showing on my account for past 2 months as I was due Due to the agents wrong communication and miscommunication issues I'm suffering from credit rating loss and I worked very hard to bring my credit to good standing and always respect creditors money - and paid on time or before time Due to this minor communication issue the credit really damaged big time and I'm suffering from mental stress Please let me know how do I go by fixing this problem and request your good self to guide me Thanks a million
Product: Mortgage

XXXX/XXXX/XXXX -- -Emailed Roundpoint loan modification packages previously sent to XXXX as Roundpoint Mortgage representative said I could send them in instead of waiting on XXXX XXXX to send them as part of the loan servicing transfer. 
XXXX/XXXX/XXXX -- -I called Roundpoint and spoke with XXXX XXXX in the Loss Mitigation Dept. , he requested : 1. ) 2 months of bank statements both borrowers. 2. ) Non-borrower contribution letter +last 30 days of pay stubs for {$300.00} additional income. 3. ) New date on RMA 4. ) Last 30 days of pay stubs for both borrowers 5. ) XXXX Tax returns for both borrowers 6. ) XXXX form for both borrowers with update date. 
XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage borrower 's : RMA w/ current date, Non-borrower contribution letter and XXXX form 's for both borrowers. 
XXXX/XXXX/XXXX -- -I emailed Roundpoint Mortgage : XXXX 's Tax Return ; XXXX XXXX XXXX paystubs, XXXX XXXX XXXX paystubs & XXXX XXXX paystubs. 
XXXX/XXXX/XXXX -- -I emailed single point of contact ( SPOC ) at Roundpoint Mortgage both borrower 's XXXX tax returns. 
XXXX/XXXX/XXXX -- Spoke with XXXX @ RoundPoint, he stated there are no documents missing, however, the borrower needed to complete a phone interview and schedule a property inspection. 
XXXX/XXXX/XXXX -- -Client complete phone interview and is waiting for Roundpoint Mortgage to get back to her on when they will schedule property inspection. 
XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative to advise that realtor for the property inspection has canceled XXXX and lied about having scheduled the inspection for this Tuesday. 
XXXX/XXXX/XXXX -- -Spoke with XXXX XXXX @ Roundpoint Mortgage, he said the inspection was completed and received on XXXX/XXXX/XXXX. 
XXXX/XXXX/XXXX -- -I called SPOC, he stated there is no update at this time, I advised there had not been a substantial status update in quite some time. He advised that he would have filed reviewed. 
XXXX/XXXX/XXXX -- Spoke with XXXX @ Roundpoint Mortgage, he advised the file is still with the under writer and that he would send a message to the SPOC XXXX XXXX, and ask for him to get back with me. 
XXXX/XXXX/XXXX -- -I called and spoke with SPOC, he said the file was initially sort of denied because Roundpoint Mortgage had n't received the property inspection valuation but then it came in so the file was " placed back in the cue. '' However, since there are other files that need attention this file has been pushed back a bit. The SPOC said he would escalate the file. He asked that i call back Thursday. 
XXXX/XXXX/XXXX -- -Spoke with Roundpoint representative XXXX who advised that the file is still being reviewed and that there is a new SPOC , XXXX XXXX - XXXX. 
XXXX/XXXX/XXXX -- -I left SPOC , XXXX XXXX , a voicemail to follow up. 
XXXX/XXXX/XXXX -- -I spoke with XXXX XXXX XXXX, she advised that no update was available. She said she would need to escalate the matter and that she brought it to the attention of her manager. She advised the new SPOC should contact me early next week to advise status as she needed to do some research to figure out what is the delay.
Product: Credit card or prepaid card

Synchrony Bank stole my rewards-points..... 

Synchrony Bank offered ( in writing ) an XXXX credit card with 5 % reward for purchases until XXXX XXXX and I accepted their offer. When I had accumulated XXXX points, I tried to redeem them, towards my statement bill. They did not allow me to redeem my points, saying I " had to wait until the next billing period ''. 

Several days later, via the phone, I paid my entire balance, and again tried to redeem my points, and they again said I'd have to wait. 

The next day, Synchrony closed my account,,, and canceled my points, down to zero. 
I had accumulated {$930.00} worth of points, and Synchrony stole those points. 

I had never been late on a payment,,, ever. 
Synchrony simply didn't want to pay the amount they agreed to, by contract. 

Synchrony reneged on the contract between us.
Product: Debt collection

I have tried to call this company several times and speak to someone that is willing to listen and help. They have placed on my credit report for XXXX XXXX XXXX at which I have called to try and have the debt verified, the owners are new owners and therefore do not have the ability or can not verify the information. 

I have asked several times from this collection agency to pass me along to a supervisor and they either argue that there is no other person to speak to or hang up. 

I would like this rectified for I am trying to buy a home and this is not allowing me to. 
I am willing to settle for 1/2 but cant get that far in the conversation. They want a full amount and I am not paying that for they cant even properly verify the information. 
I just want this deleted from my credit reports!