23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I opened a XXXX Credit Card with Synchrony Bank on XX/XX/XXXX with an {$800.00} limit. I made several purchases and always made my payments on time each month. I just paid off the balance a week ago with a payment for {$740.00} to pay off the balance which was processed with no issue. I confirmed all of this with chat representative XXXX XXXX on XX/XX/XXXX at or around XXXX PM ET. I am delinquent on none of my other accounts. In fact just finished paying off almost all of my credit cards. I have a stable job making over the average median income that was unaffected by the pandemic. I was literally approved for credit increases on some of my other longstanding cards and a new XXXX through the XXXX XXXX XXXX for {$1500.00} limit just last week. I am the antithesis of a risk. 

This evening, I received an e-mail with an electronic PDF form letter saying that due to a periodic review of my credit worthiness, that they would be closing my card. They have failed to show any actual evidence as to what financial risk they faced by maintaining an account with them. They have unilaterally made a decision based off no actual risk behaviors from me. There is no new delinquencies of any kind reported on my account, no accounts at any other institution not current, most without balance. They have decided based off nothing that they are going to take action against me that seriously harms my credit score and financial health. 

Read their XXXX page, and I am sure you have many other similar complaints, that this pattern of abusive, malicious behavior is a mainstay with them. In order for a company to be able to affect your credit score in such a manner there needs to be some form of delinquency. Otherwise you are allowing the tail to wag the dog, they get to tell you that you are not worthy of credit and then ensure it by enacting in a manner that affects your credit score. Now this will affect my ability to obtain credit with another issuer and for what? Nothing. They can argue all they want about their right to do these reviews and make assumptions, but until they can provide documentable proof that I am or am about to default or miss a payment, etc., they have no legal authority to impact me negatively. Which they have.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a credit report to make sure that everything was up-to-date and correct. While checking my credit report, I noticed that there were some inquiries that I didnt apply for. I sent letters to all three credit bureaus. I told them that these inquiries are on authorized and they still havent removed them on my credit report. I did not apply for these accounts and Im not sure whats going on. Till this day, I am not sure why they are not removed on my credit report. So are you able to correct this error.
Product: Credit reporting or other personal consumer reports

request my COMPLETE credit report as is my right under the Fair Credit Reporting Act. I previously received only a list of inquiries made on my report, which is insufficient and does not fulfill your legal obligation to provide me with my complete credit file. 

As a survivor of XXXX  XXXX, I am entitled to special protections under Section 605 ( c ) of the FCRA as amended by the Debt Bondage Repair Act. I intend to review my complete report to identify adverse items resulting from my XXXX  situation for potential removal.

Please note that under the FCRA : 1. I am entitled to receive my complete credit report, not just a list of inquiries 2. As a XXXX  survivor, I have specific rights regarding adverse items on my report 3. Failure to provide my complete report may constitute a violation of federal law
Product: Credit reporting

TransUnion refuses to update the status of all the accounts that were a part of my CH XXXX bankruptcy that was discharged 15 months ago, XXXX 2015!!!! The accounts are still reporting Late and on Payment Plan. This information is false. Compare to XXXX. XXXX updated alll my information in a timely manner and responded correctly to all of ny disputes.
Product: Mortgage

On XXXX XXXX, 2015 PennyMac informed us in writing that : '' If you prefer to pay your escrow shortage of & XXXX, XXXX in full, your new monthly payment would than be {$1.00}, XXXX. '' We paid in full ; however, we just received our payment for XXXX and the amount is for {$1800.00} vice the {$1.00}, XXXX as stated in previous written letter. 
I called, but no help, only that they would " run an analysis '' and called a another person, XXXX, but no return call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX NA. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested. I also asked the company if they were even licensed to collect in the state of Michigan, they refused to answer. I have never done business of any kind with this creditor, this account is a violation of my consumer protection 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.
Product: Debt collection

I recently discovered 6 different collectors that was recently reported to my XXXX  credit account that doesnt belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquires below are unknown inquires. 

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 reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX 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.

EXPERIAN 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!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX XXXX Is For What You Are Disputing ), 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
Product: Money transfer, virtual currency, or money service

I was scam outta $ XXXX from some XXXX guy and after taken my money he block me.I never got my refund cuz it was a scammer after cashapp promise me a refund it's been XXXX and still nothing.
Product: Debt collection

West Coast Adjustors - Sentry Credit Inc in WA state has sent me a collection letter to a debt that I do not own. At the time of this collection that person named is XXXX years old. This collection was brought to me because of a cancelled appointment for an XXXX XXXX XXXX. But on the appointment date this person did not go. The person named did not receive any medical care and checkup and making an appointment does not cost any money. This person also comes from a low income background and has XXXX insurance. This letter was dated XXXX XXXX, 2017.
Product: Checking or savings account

I was scammed out of $ for advertising and marketing services that were paid for with my LLC funds out of my PNC checking account. I notified PNC of the transaction reversals that needed to be done to return the funds for services not received back to my account ( as the funds were returned to my PNC credit card within 72-hours, maybe less than that ). 
However, I have been chasing PNC around for what will be a year in XX/XX/2023, after providing them with endless documentation to validate the fraudulent scam and an export of the date ranges from my PNC online account with the dates of service and amounts for each transaction. 
I would like to know when I can expect the funds to be returned back to my account. 
PNC also does not respect my work hours, as months ago when I first filed the complaint, I took time from my actual Congressional job to devote time to resolving the matter. Unfortunately, PNC 's antics were unbearable and became a waste of my workday so " XXXX '' needs not to call me unless it's on my off-hours ( after XXXX EST ) as I have already provided PNC with well over a handful of documents to support my claim and at this point, the funds need to be returned back to my account before additional branches are forced to close.
Product: Credit reporting or other personal consumer reports

Disputed a XXXX XXXX through XXXX and them knowing it that it is against FCRA regulations, they keep listing it back as accurate. It is a closed account shows a balance shows the monthly payment history and a bigger amount then was allowed to start with. It even States closed and they refuse to remove it. Knowing that XXXX and Equifax both have a lawsuit against them because of this ordeal XXXX is doing the same exact thing and looking at these little people and getting their information which is wrong instead of them looking at the report yourself seeing where it shows closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, the credit account XXXX XXXX that is on my credit report for charge off amount of {$240.00} is not mine. Fraudulent information is being reported on my credit report and XXXX, Transunion and XXXX have all neglected and refused to remove fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and XXXX  is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit card or prepaid card

I have 3 promotional balances on my card. One promotional balance expiring on XX/XX/23, XX/XX/23 & XX/XX/23. In order to pay off my promotional balance expiring on XX/XX/23 to avoid interest charges, I have been making additional payments of {$51.00} towards the balance. My payments were made on XX/XX/23 & XX/XX/23. I will also be making the same {$51.00} payments on XX/XX/23, XX/XX/23 & XX/XX/23. Synchrony Bank is applying my additional payments towards the promotional balance expiring on XX/XX/23. By doing this, they can charge me interest on my promotional balance expiring on XXXX contacted them about they payment made on XX/XX/23 and they corrected their error. However, the payment on XX/XX/23 was applied to the promotional balance expiring on XX/XX/23. I should not have to keep calling or messaging them for my payments to be applied correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

No one is handling my dispute request ... I need for Experian to respond to my requests today. I want these negative items deleted now. 

XXXX XXXX UNVERIFIED ACCOUNT XXXX XXXX- XXXX UNVERIFIED ACCOUNT XXXX  XXXX NOT MY ACCOUNT XXXX  XXXX UNVERIFIED ACCOUNT XXXX  XXXX-NOT MY ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/1969
Product: Credit card or prepaid card

I purchased two phones from Google through their online store and financed the purchase through Google 's Credit ( which is really XXXX Bank ) to which I have been paying off with my XXXX credit card. I returned the phones, Google confirms they received the phones in good condition and will issue a refund in up to 14 business days. It has been over a month. Hours were spent talking to Google Support, then sent to Google *XXXX Support, to have to repeat the story to a Synchrony agent only to then be shuffled back to a Google Support XXXX. Truly a nightmare. 

I have been purchasing Google products for years and never had a problem up until now because I had to return something. There has been zero refund to my credit card, Google XXXX account ( which I'm still making payments on!!!! ), or Google account. You would think after buying XXXX phones from them they would want to help you out. It's honestly shocking how awful Google has fumbled this.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was on the XXXX app and there was a popup ad that asked me to verify my information, and then after it brought me onto a new page where it asked for my ssn and other information without telling me i was signing up for a credit card. When i was done entering my information it told me that I was not approved for a credit card, which I wasn't attempting to apply for a credit card and I wasn't aware that they were coercing me to apply for a credit card.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Third Dispute Regarding Inaccurate Late Payments Dear CFPB, I am filing a formal complaint against your agency for failing to correct inaccurate information regarding late payments reported on my credit report for one of my accounts. Despite multiple requests for correction, including letters dated XXXX XXXX XXXX, my requests have been ignored, violating the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Disputed Information : Late payment notations remain inaccurately reported despite my payment history showing all payments were made on time. Specifically : XXXX reports : 30-day late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
60-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
90-day late payment in XX/XX/XXXX, matching TransUnion 's reporting.

These discrepancies have not been addressed in previous investigations.

Violations Identified : FCRA Violations : 15 U.S. Code 1681i : Requires credit reporting agencies to ensure the accuracy of information in consumer files. This has not been upheld in my case.

15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting suggests a failure to comply with this requirement.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness.

PAANL Violations : Under the Protection Against Non-Payment of Obligations Act ( PAANL ), creditors are obligated to provide timely statements to prevent unfair penalties to consumers. This responsibility has not been met, as evidenced by the inaccurate reporting.

Desired Resolution : Immediate removal of all inaccurate late payment notations from my credit report.

Written confirmation of the correction made to my credit file.

If this issue is not resolved promptly, I will escalate my complaint, including filing additional complaints with relevant regulatory agencies and pursuing potential legal action.

Attachments : To assist with your investigation, I have included : Copy of my Social Security Number.

Copy of government-issued ID.

Proof of address.

Highlighted credit report indicating the inaccuracies.

I kindly request that you provide a detailed description of the investigation process and the evidence used to validate the late payments within 15 days, as required by the FCRA.

Thank you for your prompt attention to this matter. I look forward to receiving a resolution and confirmation of corrections within the timeframe mandated by law.

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am a Victim of ID Theft. Some one used my credit to opened a credit card under my name with out my knowledge or authorization. This account appears reporting negative in my credit as mine and it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've set my loan up on auto pay multiple times and told it was only to find after payments were late there was no record of me setting it up because it was done in the branch and they refused to remove negative items
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please provide verification, method of verification and validation f debt. There are errors in this account it has no " late payment dates ''. Please remove ASAP. 


XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

On Fri XX/XX/XXXX, I called Bridgecrest as I thought I was late on my payment. When I called, I had already scheduled a payment for the past due amount, which was to pay around XX/XX/XXXX, which had not processed ( the normal process time is about 4-5 days ) and wanted to discuss payment options for my XXXX payment. The rep I spoke to told me I only owed {$5.00}, and that other than that, I was up to date and did not have a payment due, after the {$5.00}, until XX/XX/XXXX. So I took the money out of my checking account and let that XX/XX/XXXX payment go through and get returned. I have been unemployed since XX/XX/XXXX, have been making regular payments but after being unemployed for several months, I was more than thrilled to have an extra {$440.00} that I could use to pay other items that were also due. Today, I received a call that I was past due and needed to pay asap. I was totally confused - just 5 days ago, I only owed {$5.00}. The rep argued with me and told me that I had returned payment but no matter how I tried to explain the XX/XX/XXXX call, she would not listen so I hung up. I called back, same no interest/no care from that rep but I told her that Bridgecrest needed to listed to the XX/XX/XXXX call and then let me know what they could do. Their rep said I only owed {$5.00} which I paid on that day. The rep said the supervisor would review the call from XX/XX/XXXX and call me back within 15-20 minutes. That was over an hour ago and no return call or options for paying. 
Now, I'm afraid they will just come take the car and being out of work, that would be very detrimental for my family. I called trying to work with them, I was given the incorrect info and now, the car could be gone today- all because of what their rep told me. As an FYI, my daughter was sitting with me when I made the call due to a broken rib I have from a recent accident, and it was on speaker phone so I do have a witness of the call. I also sent a text to my son telling him the good news because right now, his job is the only thing keeping us going.
Product: Credit reporting or other personal consumer reports

There is a collection on my credit report for {$720.00} - XXXX XXXX  this is not an accurate account to be on my credit report. This has been disputed in the past and removed and it was added back on. I requested the credit bureaus to provide me details how they verified the accuracy and nothing has been done. There has been numerous contact attempts via phone and mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted XXXXXXXX XXXX XXXX  & they told me I've never missed a payment, yet Equifax and XXXX refuse to remove me from being listed as 30 days late on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. Iconstantly have to do Equifax and XXXX 's job for them to shield my credit & prove myidentity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. 

XXXX XXXX XXXX
Product: Mortgage

XXXX  @ huntington contacted us to fill out a packet and return via email to them to stop the foreclosure process on XX/XX/20 we emailed hem the information they requested. Next day another email came in saying they couldnt open the emails, so we emailed the packet again on XX/XX/20. In the mail on XX/XX/20 we received a letter from Huntington bank stating Notice of Intention to Accelerate and Foreclose if payments were not received by XX/XX/20. We tried to ask via email a contact name for our case with no response. We tried to call on XX/XX/20 and not one single person in the department at XXXX that day. As of today XX/XX/20 we still have had no response from Huntington Bank.