23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a follow up to complaint ID XXXX submitted on XX/XX/XXXX. 
This is about the Synchrony Bank/ Care Credit account ending in XXXX. 

Synchrony Bank did not provide ANY of the OALD I requested in the complaint. 

Synchrony Bank provided me with a phony extension number I could supposedly call and ask for more information. It either rings and nobody answers, or it's busy all the time. 
This is obviously a line they provide to people they do not want to talk to. 

XXXX XXXX ( XXXX ) XXXX extension XXXX Synchrony Bank sold this account to XXXX XXXX in XXXX XXXXXX/XX/XXXX, so they claim that they do not have to provide me with any information, because I should talk to XXXX 

This account has been in litigation with XXXX XXXX since XX/XX/XXXXXXXX XXXX XXXX XXXX does not have any OALD.
Product: Debt collection

I spoke with this company requesting a copy of original agreement, a copy of payments that was made on this account a copy of how and when they obtained this account a written notice of why this account from them has been placed on my credit report I was told they dont care what I say it on my credit and my score will and is being affected and they the next step is they will see me in court she laughed called me out my name and stated she will call everyday for a year and also notify my employer how I dont pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

A company called XXXX XXXX contacted me ys from today XX/XX/2019, claiming they could resolve my past credit card accounts issues with my debts and they can lower it to 0 % interest. I told him that someone called me already from the same company offering me this deal and I turn it down a few months back in XX/XX/2019. He replied I could help you reduce all your credit card. I told him no several times on the phone but he was very persistent in helping me. He asked if I can give just 4 the last number of every card has a high balance. I went and gave him what was requested and he gave me the correct amount on each statement. I then asked him you can really remove all this and give me 0 %. He replied all will be wiped out and we will send you a credit card with 0 % and pay off your balance. I asked what was the catch on this only one-time fee to the bank that will send me a new card of {$1500.00}. Well, I said okay and what's next step he replied a verification process and a confirmation for the fee will be given after all done. Well, he called the verification department and I was transferred to a XXXX XXXX, who asked me to repeat my information given to the first representative. I gave her my name, address where to send information and credit card, also my cell and repeat total balance which was {$7400.00} not including the fees of {$1500.00} = {$9000.00} total to be paid and {$120.00} fees to bank for processing this. = {$9200.00}. She said will be giving me a confirmation which she provided afterward ( XXXX ) and that together this amount will be charged one time to a credit card on the file ending in XXXX which belongs my own bank called Compass Bank. I was asked for the bank contact to debiting this fee. I gave her my bank but security seen it as fraud and contacted me on my other line and asked not to do this. I asked the person at my bank why and she said this isn't real and they could be later. I let Mrs. XXXX know to stop all and then was pass to a XXXX who was using verbally profanity because I refused to do this. I asked him to stop all and that I decided not to go with it. He refuses to listen and hung up on me. A few days later I was charged {$4100.00} to my XXXX card which I had to pay. I called the XXXX XXXX XXXX XXXX and had a deputy come and visit me and was provided a case # XXXX. I believe this company needs to be called on there not only unprofessional and lied and deceive others. I believe they need to be closed down according to several website information concerning there complaints already field.
Product: Debt collection

The issue is with the Credit international Corporation in XXXX Washington. They refuse to provide documentation of a matter that has been closed with their agency. This lackof documentation is preventing me the opportunity to get my MLO. This is unacceptable and this is a common problem with many collection agencies. They fail to inform they fail to send out notices of judgments and liens.
Product: Credit card or prepaid card

On XX/XX/2022, I discovered that American Express had illegitimately charged a late fee of XXXX} on XX/XX/2022 - there was no notification of payment due or that a payment had not been scheduled. I promptly zeroed out the balance and spoke with American Express customer support, during which the Amex representative recognized the error of their ways and removed the late fee. Today, on XX/XX/2022, I discovered that American Express has also charged illegitimate interest, in the amount of XXXX caused by the aforementioned malfeasance.
Product: Credit reporting or other personal consumer reports

I am currently needing to move and my poor credit score is impacting my ability to move. I AM BEING DENIED XXXX. My credit score, after a XXXX I built back up to a GOOD RATING, however XXXX XXXX has mistakenly reported XXXX late fees which has changed my credit rating from GOOD to POOR. PLEASE review my same complaint with XXXX XXXX from XX/XX/year>, complaint : XXXX. XXXX XXXX removed {$120.00} of late fees from my account however XXXX XXXX did not remove XXXX late fees from credit reporting companies. Please help. I have extreme IDENTITY THEFT AND FRAUD, and for years. It has become my full time job just trying to correct all the troubles some imposter or group of imposters is creating for me. Have two car loans on my credit report taken out in my name which I have disputed, are not mine and is fraud. I had a {$6000.00} tax bill receive a court order to garnish my bank account at XXXX XXXX XXXX  which was not mine, again fraudulent activity. I have tenants in my apartment building ( this is why I am moving ) a XXXX XXXX and a XXXX XXXX raking through my garbage bags on the street, I caught both of these tenants red handed. Within a few weeks, both my XXXX XXXXXXXX XXXX  account and XXXX XXXX credit card has fraudulent activity. My bank accounts and credit cards I am repeatedly needing to close and reopened due to fraudulent purchases on my accounts. Now, I am unable to have my new apartment applications accepted due to a POOR credit score due to XXXX XXXX. I am being denied housing because of XXXX XXXX. This is punitive and it feel as though XXXX XXXX is attempting to get deeply personal with me. I am telling the truth. Thank you. XXXX XXXX confidential. XXXX  XXXX XXXX
Product: Debt collection

I have been harass by a debt collector credit Corp solutions and also had my rights violated. They have sent collections bill to my address damaging my reputation and credit report. I sent them over documents asking them to remove my information from there records.
Product: Debt collection

The account shows closed and it doesnt say I owe money why hasnt the account been removed
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Experian has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these inquiries were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you RESOLUCION DELETE INMEDIATLY THIS FRAUDULENT ACCOUNT AND INQUIRIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Company has consistently reaged an account that is almost 10 years old. The original creditor is XXXX   XXXX XXXX. There is no account number listed. They reporting that this account opened on XX/XX/XXXX, when in fact this account went delinquent in XXXX. The last reported amount is {$500.00}. I have made attempts to remove this account by disputing this account with XXXX, XXXX, XXXX. Enhanced Recovery has consistently reported this account as open. Each time reporting a new and more recent open date. Please help me stop them from doing this.
Product: Credit reporting or other personal consumer reports

This is a formal complaint that you are reporting inaccurate credit information on my credit report. The below-referenced account shows the date last active which is a violation of the FCRA. All data furnished should be consistent and accurately reporting. There should not be 2 different dates reporting to both Equifax and XXXX. The incorrect listings are lowering my credit score unnecessarily, and this is also preventing me from purchasing a home. Furthermore, I had an agreement with XXXX XXXX to remove this account from my credit report once account was paid. The account was satisfactorily paid in 2022 so I am confused as to why this information is being furnished to Equifax and XXXX. I am enclosing a copy of my credit report. Please remove this account from my credit report XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX Account XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX Doing business as XXXX XXXX, refuses to provide any explanation as to why it has not disbursed the money for the claims that I submitted on XX/XX/2022. I called on XX/XX/2022 to inquire why the money had not been disbursed. I was told it would take up to 5 business days. I called again on XX/XX/2022 and they would not disclose why the funds had not been disbursed or even give me any timeframe for the resolution. I have not been allowed access to the funds that the plan with this company establishes for 2022. 

I submitted a reimbursement request for {$30.00} and another one for {$150.00} on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I recently disputed a Bankruptcy with Lexis Nexis they responded with a letter say they verified the information through XXXX  using my account number and the last 4 digit of my social according to FRCA Rule 9037 all personal information on court documents has to be redacted being that the only have my last 4 digit of social and year I was born how can they say for certain that the bankruptcy belongs to me being there are thousands of people with the those digits in the social and thousands of people with that birth year
Product: Payday loan, title loan, or personal loan

During rst week of XX/XX/2022, I was planning to take advantage of the current automotive market condition and sell or trade in my vehicle to purchase a new 2022 vehicle. I called my banks and credit unions to see what the current rates are and to get information of obtaining a pre-approval. I was told that my rates would me higher due to my credit le. I pulled my XXXX, XXXX, and XXXX credit les and found that someone has been using my identity to obtain credit from several creditors. These creditors include Goldman Sachs Bank ( {$20000.00} ). I have filed an Identity Theft Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To remove personal information that I dont want want on my credit report. According to the fair credit reporting act 15 usc 1681, I have the right yo privacy, also according to 15 USC 6802, no ganancial institution isnt suppose to share my information to third party companies. 

This are a violation of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 
5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
6. 15 US-CODE 16921 XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number XXXX XXXX Delete this account. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 US-CODE 16921 XXXXXXXX XXXX XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022, I took advantage of a 0 % interest rate for XXXX  months with discover. I balance transferred {$3000.00} from my XXXX XXXXXXXX credit card to Discover. Then in about XXXX weeks I noticed the XXXX was on both cards. The discover was up XXXX. The XXXX XXXX still showed the full balance. I called discover. They said that XXXX XXXXXXXX list the payment and was never cashed. Discover said they put a stop payment on the check and issued a new XXXX check to XXXX XXXXXXXX. Then I received a notice from discover I was over my credit limit snd my credit score was decreased. I gave credit monitoring. So XXXX XXXXXXXX cashed both XXXX checks sent. Now Im over in discover and have lost sbout XXXX points in my XXXX XXXX XXXX one at discover will help me get this fixed. I want my credit repaired and XXXX sent back to XXXX XXXXXXXX. Please help!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against EXPERIAN regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX but it is incorrectly listed as XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

XXXX. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX TEXAS XXXX while my credit report shows an outdated address of XXXX XXXX XXXX XXXX, FL XXXX. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Credit reporting or other personal consumer reports

My credit was submitted to many banks without my consent. The dealership said they would review my credit internally but sent it to multiple banks.
Product: Student loan

The biller of my student loan is Navient. I have a large loan from XXXX of approximately {$120000.00}. When I tried to pay extra online, they absolutely refuse to let me pay toward principal. I can not find a way to have the extra amount apply in this fashion to further reduce my overall debt. I could not figure out why I had been paying extra, but it was not making much of a difference. I now see that my extra payment has been applied first toward fees, then interest, and finally principal. I was able to consolidate with another company ( XXXX ) at a lower interest rate and they let me pay toward principal. But, I have been paying all this time and have barely made a dent in my loan! I graduated from XXXX in 1997 and still have $ XXXX in student loan debt! I saw that you are suing Navient and wanted you to have this information.
Product: Credit reporting or other personal consumer reports

This is in addition to my previous complaints. I have requested for one of my accounts to be closed because of identity theft. The account got compromised and I request for the credit bureaus to delete it from my credit report. The bank already closed it, I just need your help to remove it totally from my credit profile. I have attached the proof and letter that I received from XXXX themselves regarding this. That account is fraud and was used by the thieves. Please delete this fraud account : XXXX - XXXX - XX/XX/XXXX. Along with the remaining fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached here my FTC reports, IDs, and proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Experian to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. Experian has also failed to comply to multiple federal and state laws under the FCRA. 
Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports 15 U.S.C. 1681 ( m ) ( 3 ) Maintaining criteria on file. A person who makes an offer of credit or insurance to a consumer under a credit or insurance transaction described in paragraph ( 1 ) shall maintain on file the criteria used to select the consumer to receive the offer, all criteria bearing on credit worthiness or insurability, as applicable, that are the basis for determining whether or not to extend credit or insurance pursuant to the offer, and any requirement for the furnishing of collateral as a condition of the extension of credit or insurance, until the expiration of the 3-year period beginning on the date on which the offer is made to the consumer. 
15 U.S.C. 1681 ( m ) ( h ) Duties of Users in Certain Credit Transactions ( 1 ) In general. Subject to rules prescribed as provided in paragraph ( 6 ), if any person uses a consumer report in connection with an application for, or a grant, extension, or other provision of, credit on material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers from or through that person, based in whole or in part on a consumer report, the person shall provide an oral, written, or electronic notice to the consumer in the form and manner required by regulations prescribed in accordance with this subsection. I am asking for Experian to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which they spoke with them. 
By law they have 15 days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately ; it is a crime to threaten lawsuit with & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date, I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible. 
Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It's been more than 30 days and you as the credit reporting agencies are in VIOLATION of this law because I am a victim of identity theft!

Please remove these accounts as soon as possible!
Product: Credit reporting or other personal consumer reports

USC 15 1681a ( 2 ) ( i ) states that It is illegal to report transactions or experiences on a credit report. 
All alleged late payments and other transaction and experiences must be removed and ceased to being reported.
Product: Credit reporting or other personal consumer reports

Upon careful examination of my recent credit report, I have identified discrepancies that warrant urgent attention, The companies have acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts. I kindly request a comprehensive investigation into these accounts and expeditious communication of the findings via postal mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I anticipate receiving your response within this specified time-frame. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX