23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I never open this dispute but merchant made a refund and then Synchrony Bank opens a dispute and tells me and the merchant that I filed a dispute when I never did! 

NOT SURE WHAT OR WHY THEY OPEN THIS DISPUTE WHEN I NEVER CALL TO DISPUTE THE CHARGES OF {$280.00} Original Message -- - From : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Payment Disputes I GET AND EMAIL AND BELOW IS THE EMAIL? WHAT IS THIS ABOUT EXCEPT MORE ISSUES WITH YOU? Your dispute claim is open. claim_received Claim XXXX XXXX XXXX XXXX We wanted to let you know we? ve received your claim. Here 's what we've done so far :? Opened a claim for the disputed charges. There? s nothing you need to do at this time. If we find we need more information, we may ask you to provide supporting documentation. You will receive a letter with additional details if this is needed.? Updated your account to reflect the disputed amount. During our review, you won't have to make payments on the amount you've disputed. We've updated your required minimum payment accordingly, and no fees or interest will accrue on your disputed charges during our review process. Don't forget : Please continue to make your minimum payment by your due date to keep your account current. What's next? Our team will evaluate your claim and let you know the outcome. Please allow us up to 60 days to resolve this issue on your behalf. We'll be in touch as we continue working to resolve your claim. Rest assured, we? re working to resolve this matter as quickly as possible.? Your Synchrony Customer Care Team THEN I GET THIS REPLY FROM THEM AFTER I SENT THE ABOUT MESSAGE : XXXX XXXX, Thank you for your recent inquiry regarding your CareCredit account. We appreciate your message and the opportunity to be of service to you today. 



We apologize for any confusion. I will be glad to help you with the information. 

Our records indicate that a dispute claim is opened on your account for the purchase of {$280.00} dated XX/XX/XXXX. Any time that a purchase is disputed or re-disputed, we are required to send you an acknowledgement letter regarding your dispute, and the dispute time frame is restarted. 

I hope you find this explanation helpful. Please feel free to contact us in the future should you have any additional questions. 

Thank you for contacting us and allowing us to address your concerns. If you have any questions or if we may be of further assistance in the future, please contact us via the XXXX XXXX XXXX XXXX XXXX XXXX. We value the opportunity to assist you and appreciate your feedback. 

Sincerely, XXXX Customer Service Account is owned by Synchrony Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

Your receipt from TransUnion (Order #XXXX)Here is email I sent to: XXXXTo Whom It May Concern:I did not want this feature ($29.99) and must have accidentally clicked on something that wasn't clearly defined, which is the case with your website.Please reverse the charge or I will be forced to dispute it with my bank. Your website is seems deceptive and causes people to click on things that aren't clearly defined. Also, you make it very difficult to cancel anything including the subscription, the website keeps running you through circles. All of this information I can get free via my free credit report per year also I get it free with my XXXX XXXX Cards...Going to your website has cost me $XXXX already for literally stuff I get for free, it's ridiculous!I'm very dissatisfied with all of your services and believe your website is deceptive in the way it is designed. If I could give you a rating it wouldn't be worth even one star....Thanks literally for nothing but stress-ugh!
Product: Mortgage

I contacted the Navy Federal Credit Union after the denial of a VA home loan. The VA does not set a hard and fast rule on a credit score. If you are a veteran you are entitled to a VA home loan. The scores of XXXX is what would normally be for FHA or conventional loan. There should be no discrimination on a veteran because they do not have a credit score of a particular number. I was told by the lender it was because of my credit score. I have other pre-approvals by other lenders but Navy Federal has lied and said I need a certain score. The VA does not discriminate. I have money in the bank and my debt to income ratio is awesome. I have a few OLD blemishes on my credit but have a score of XXXX should not be grounds for denial. I have multiple accounts with Navy Federal as well as credit cards. I feel like I am being pushed out of a VA home loan because they don't want to offer such great benefits that a 100 % XXXX veteran is entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

My navy FCU account has been reported incorrectly. I have printed my credit report from XXXX XXXX and XXXX. All three credit bureaus report different things. Example account numbers on credit report for all three bureaus are reported different. Date account opened all bureaus repeat differently XXXX  reports it opened XX/XX/XXXX experian reports it opened XX/XX/XXXX. Balance reported from XXXX XXXX XXXX reports XXXX. High credit reports XXXX  XXXX and XXXX  reports XXXX. Past due balance is reported by XXXX XXXX XXXX reports XXXX. Payment status reports from XXXX current while XXXX  reports late 30 days. Comments are different XXXX reports credit card amount in h/c column is credit limit XXXX  and XXXX  have nothing reported. Date last active XXXX  reports XX/XX/XXXX XXXX  reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. 

All three credit reports have reported multiple times inaccurate information. 

navy FCU and the credit bureaus should be reporting validated and accurate information pursuant to FCRA which they have not done in this case
Product: Mortgage

The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 


OCWEN LOAN SERVICING XXXX
Product: Credit reporting

My brother XXXX is listed under my reported names. Please advise that every time he applies for a credit, the hard inquery is saved under my credit report. We have different social security numbers. Let me know if more information is needed
Product: Payday loan, title loan, personal loan, or advance loan

I'm an XXXX XXXX service member currently assigned to XXXX XXXX located in Louisiana. I requested SCRA benefits from SoFi Bank on a personal loan taking out through them. They denied these benefits on the grounds of federal SCRA does not apply to me. I sent my orders to them which assigned me to Louisiana, one of 3 key provision states, which expanded SCRA. They stated that due to them being a national bank this does not apply. I asked SoFi to please look into this matter as I disagreed. They came back saying that they would not and that the matter was final and would not go further.
Product: Credit reporting or other personal consumer reports

Inquired on my credit report I have not giving written consent to report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Department Of EducationXXXX Is reporting old, inaccurate, unverifiable information on my consumer report. This is a violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting. Congress clearly states that the banking system is dependent on FAIR and ACCURATE credit reporting. This company has multiple unverified and duplicate accounts on my consumer report. They all state as follows on my consumer report : DEPT OF EDUCATIONXXXX Potentially negative DEPT OF EDUCATIONXXXX Potentially negative They also each contain 2 late payments. This is unfair inaccurate information that is damaging to my image and also my consumer report. As a result of this I have been discriminated against and denied credit. 
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Product: Mortgage

We are still processing a short sale with Astoria. On XX/XX/XXXX, I emailed the last remaining requested documentation to XXXX XXXX. She responded to my email that she would review that document and advise me that afternoon whether the foreclosure sale date of XX/XX/XXXX has been postponed. She did not respond as promised. I called Astoria this morning, XX/XX/XXXX, to confirm the foreclosure sale date has been postponed. I spoke with XXXX. I asked her as to a status of postponing the sale date. She said she does n't see that XXXX XXXX notated the file requesting for a postponement from the investor. She said the processor in her absence is XXXX. I asked her to check with XXXX to see if they have postponed the sale date. XXXX stated that she does n't have the document and XXXX does and she will review it for postponement once she gets back from vacation on XX/XX/XXXX. I asked for a supervisor since it 's not appropriate to hold up the entire process for one person 's vacation. She transferred me to XXXX, the " Team Lead '' who says he does n't have the document I confirmed XXXX XXXX had yesterday. I asked him to check her email since she did n't upload it so the rest of the office could see it and XXXX does n't have access to her email to retrieve the document. Once again, XXXX XXXX has lied to me she did not review the document and she failed to update me as promised before she left for vacation. Astoria has continued to provide inferior customer service and I should n't have to spend 90 minutes on the phone with them to get someone to assist with an issue. Astoria continues to  make promises it does n't ever keep.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX XXXX  Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ). 



I have provided my photo ID along with the other required documents. 



I kindly request that you block this information from my credit reports within XXXX XXXX XXXX, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 



1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I received phone calls from a company called Monarch Recovery quite a number of times. The company has never made any mention of any amount specifically, however, I continued to receive more phone calls from this company. It became so bad that the company not only used the phone number listed initially, but retained several other numbers in order to continue to harass me, threatening me with legal actions. The additional phone numbers that were associated with the company are : XXXX and XXXX. 

From the phone number XXXX are the dates and times recorded by my phone call log : XX/XX/2018 Beginning on XXXX XX/XX/2018 The company called me every single day during the dates listed above. The number of calls received in total is : 135 times ( average calls per day were 5ea ) I have made the following attempts to contact this company. I have made screen clips of every way that I have reached out to this company, via email phone conversation, in order to inform them to cease and desist from communications with me. First, I called the company to let them know to cease and desist contact with me. I am unsure as to the date. I did however, go onto Monarch Recovery website provided. I wanted to ensure that they understood the reason that I was reaching out to them. So in order to ensure that I was able to somehow get proof that I made contact with the company. So, I utilized the chat option so that the communication could be captured to have proof that I specifically made contact with a representative from the company. Finally, I sent an email to the email address specifically included within the many correspondence that I continued to receive via US postal. Additionally, I also have recordings of the conversations between myself and the representatives from this company. 

I have all the images saved and to uploaded to my phone in order to provide proof that this company harassed me continuously over almost a 5-6 month period, the few times that I did answer the phone calls, I was once cursed out by a representative, another time the conversation between myself and the representative became so aggressive and threatening, simply from because of a statement the representative made regarding about my XXXX XXXX health. I insistently told him that, due to intensity of our conversation continuing to become more aggressive, I needed to get off the phone call with him. His reply was, I completely understand what you are going through, but you need to resolve this issue and stop using time I spent in the military as a an excuse to not pay this debt that I owed. He went on say that my XXXX   state could not in fact be that bad. As he continued, he became so violently aggressive that, I began scaring me to the point that I began to have severe XXXX  and XXXX XXXX  that I just hung up the phone on him. 

For over 2 weeks, I could barely function XXXX and XXXX. I became so XXXX that I did not get out of my bed for over 5 days.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. 

XXXX XX/XX/2023
Product: Debt collection

Hard Inquiry on CREDIT Report Oasis Legal Finance- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Legal XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The account in question in discussion is Citi Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Citi. When I was well enough to work I did make the payment immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has failed to correct inaccuracies on my consumer report after multiple attempts and disputes by myself. Experian is in violation of the Fair Credit Reporting Act. These in accuracies have caused me to be denied credit, stress and financial harm. Experian has failed to verify the inaccurate accounts as legally required to do. 

The following accounts are inaccurate : XXXX XXXX late paymentXXXX XXXX reported the account current on XX/XX/XXXX and Experian failed to correct my report. I demand this account be updated. 

XXXX XXXX XXXX negative reportings. This account is inaccurate and unverified. I have never recieved notification or writing verifying this account- I demand removal from credit report and file. 

There are XXXX injuries that I have disputed for accuracy and have not recieved verification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand that all inaccuracies are corrected immediately and unverified accounts remove as stated above.
Product: Prepaid card

I paid XXXX dollars to an international merchant on XXXX XXXX 2016. I had enough money on the card to pay the merchant. I made the payment and the merchant received it, plus I used XXXX with the card. I do n't have any extra money in the XXXX account either. All the money is on the prepaid debit card. Two days later I receive a text message from netspend ( card company ) saying I had insufficient funds to pay the merchant. I asked the merchant several times if he received payment. He confirms that he did and sent my merchandise. I called the card company 4/5 times in the past weeks and they have no history of the transaction nor do they have a reason as why this might 've happened. Today on XXXX XXXX 2016 I reloaded the card with {$40.00} to buy something else. I get a text message instantly saying that I have paid the merchant that already sent my merchandise. So the money I just loaded onto the card was automatically taken out. Once again I contacted the merchant and he confirmed once again that he only received XXXX payment. I spoke to XXXX agents from netspend and they said they will put the XXXX dollars back no later than 6 hours. This was at XXXX time and it is now XXXX time. I made sure there was enough money for this transaction and I feel that I 'm getting scammed. Please resolve this issue as you see fit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Hyundai numerous times to try to have my lease account closed and updated on my credit report and my husbands credit report. I have also contacted the credit reporting agencies. I traded my XXXX Hyundai XXXX in on XX/XX/XXXX. They sent me my final bill on XX/XX/XXXX I made the final payment in full and they cashed my check on XX/XX/XXXX. I have called Hyundai and my husband has called numerous times and they keep saying they will submit a request for it to be closed and send a paid letter to us as well as update both of our credit reports. Both our reports are not updated and they are reporting zero information at this point. I have been hung up on and my husband has escalated this to a manger XXXX on XX/XX/XXXX he claims this would be corrected. My husband called again today XX/XX/XXXX and spoke to another manager XXXX and she said the account is still open and put another request In and nothing else she can do to help us. I have enclosed a copy of the final bill they sent me and a copy of my checking account where they cashed my check for that amount.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXXXXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Prepaid card

XXXX issued a {$200.00} gift card which was redeemed as a target egift card by me. I spent {$71.00} once and went to use again and said {$0.00} balance. When I looked up card on Target, it says it was used in XXXX XXXX, CA XXXX for {$120.00} ( the remainder ) on XX/XX/XXXX where I've never been and never given another permission to use or have access to the card.