23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I took out a loan with synchrony financial for a XXXX XXXX. I have consistently paid my loan early since the loans creation, for the payment of XXXX. My payment due date is on the XXXX of every month, and consistently I have made my payment between the XXXX and the end of the month leading up to the month the payment is due. XXXX payment was made on XX/XX/XXXX, and On XXXX the XXXX via the synchrony automated phone system, which is one of two ways to make a payment with out paying a servicing fee, I made a payment of XXXX for the due date of XX/XX/XXXX. The payment was processed and appears on my XXXX XXXX statement the same as every other payment. Synchrony acknowledged on a telephone call today XX/XX/2023 at approximately XXXX that the payment was made applied to my principal and interest, but never applied to my account to show a payment was made. They proceeded to charge me a late fee for an acknowledge payment, and that their research request would take 30 days thus making my account delinquent and reported as such to the credit bureaus. They acknowledged there was no prepayment penalties, and that they processed the payment, but simply did not apply it to my payment due, only as a payment made early, but then charged me a late fee for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My office was broken into and several ID documents were stolen. I filed a police report which I have attached to this complaint. Several inquiries were made online without my approval or authorization which have now negatively impacted my credit report. The following inquiries on these dates were not authorized by me : XXXX Dates : XX/XX/2017 XX/XX/2017 XX/XX/2017
Product: Debt collection

Convergent Outsourcing, Inc. has contacted me regarding a debt from 2004 and stated that I may just have been unaware of it. I have had no notices of collection or any indication of it on my credit report and they can not give me any more information on it other than I should file a police report since I think it is fraud. Since the statute of limitations for debt collecting in the jurisdiction of New Jersey is 3 years I consider this fraud and with no documentation from them I do not believe that I should have to pay this.
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 : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX 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 CREDIT BUREAU 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 collections 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for Removal of Fraudulent Late Payment Due to Identity Theft Please Remove Late Payment Account XXXX XXXX Account Number : XXXX Date of late payment : XX/XX/XXXX Account opened XX/XX/XXXX Dear, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account [ XXXX ] and occurred on [ XX/XX/XXXX ]. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ) Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account was suspended on XX/XX/2023. I have made numerous attempts to call and chat with credit karma since XX/XX/2023. I have been told that the account is suspended and they cant give me a reason why and cant tell me how to fix it. I have been told to wait for an email since XX/XX/2023. And have not received an email in regards to how to unlock my account. My tax refund was loaded onto the credit karma account on XX/XX/2023. I just received a notice to pay rent or move and a shut off notice on my pge. I am a single dad. I live with my XXXX XXXX XXXX daughter and I need access to my money to take care of us. Its been 3 weeks and I cant get an answer or guidance on how to access my money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX pulled TransUnion credit report twice on XXXX without my permission. I have repeatedly called and asked for managers and the owner. Every time the owner is busy. I have also asked for their attorney but they refuse to give me their name.
Product: Student loan

Started XX/XX/XXXX to XXXX XXXX Tried to get my loan reduced or removed. This company said they could help! I gave all my information ; was under the impression that my loan would be would be reduced and at a certain point, it would be written off, if it wasn't paid off ; in so many words! To get started I would pay a {$99.00} application fee, and then they calculated a payment of {$200.00} for 6 months which ended up being 9months! At that time payments, were switched to a lesser amount {$99.00} till paid off!! I have made 24 payments, lots of money, my loan has not gone down! It was time for paperwork renewal, they called and emailed, three times and when I questioned them about the {$99.00} a month, I was told it was fees, and it was part of things discussed in the paperwork! He said I should read it again! And would not give me a direct answer, to where my money was going! A week later I received a letter, stating this company is being investigated by the Federal Trade Commission! 

I will be calling them to cancel account and ask for a refund!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromize, account that I do not recognize had been placed in my name, I am requesting for this accounts to be block from my credit as they do not belong to my, an FTC report had been file and it's attached to this complaint, a plolice report will be filed as is requested by FCRA.
Product: Debt collection

This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX  Prepared for XXXX XXXX XXXX Personal & Confidential Date  Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
Product: Mortgage

My XXXX XXXX has not been automatically paid by my mortgage company, XXXX. It was due XX/XX/XXXX. I will lose coverage if not paid by XX/XX/XXXX.
Product: Credit card or prepaid card

I purchased a NETSPEND card about 2 months ago at the XXXX XXXX store in XXXX, NY and i do not know who but someone took my money off my card and i was left with owing XXXX dollars.My privacy as already been invaded in that store by people who have been committing a HATE CRIME against me.I have nothing to do with any of these people.Here is the reference ID : XXXX that netspend has given me regarding this fraud.It is very unlawful to invade in my privacy because people said they could and i am legally responsible for me and no one has anything to do with my adult life.
Product: Mortgage

RE : Complaint # XXXX ; Received an email from CFPB, stating that PNC Mortgage is still working on my complaint on XX/XX/XXXX. ( SEE ATTACHED ). 

On XX/XX/XXXX, I receive a letter by mail from PNC Mortgage date XX/XX/XXXX ; stating that no further action to my complaint is required. ( SEE ATTACHED ). 

CFPB is saying one thing and PNC is stating something totally different. 
As I have stated in the past, PNC Mortgage does whatever they want to. This company marches to their own drummer and XXXX the laws and the people that they are supposedly working for. PNC transferred my account because I refused to let them XXXX me! 

SOMEONE NEEDS TO KEEP A WATCHFUL EYE ON PNC MORTGAGE!! WHERE IS MY {$510.00} MONEY ; OR DID YOU TAKE IT ALONG WITH MY INSURANCE REIMBURSEMENT OF ALMONT {$1400.00} FROM SEVEN YEARS AGO?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this dispute because I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I see a lot of inaccuracies on my credit report after reviewing it. I am verifying that this is me who is disputing these items. I need this removed asap.
Product: Credit reporting or other personal consumer reports

Experian report XXXX  I made a dispute for the XXXX XXXX XXXX. 

Experian instead deleted XXXX account. I just called Experian and a rep told me that they made a mistake! 

The XXXX account was never under dispute. This is irresponsible for Experian to delete XXXX which is a positive and was due to fall in XXXX XXXX
Product: Debt collection

A company named Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : ( XXXX ) XXXX has filed a collection for {$220.00} against my name claiming they are collecting on behalf of XXXX XXXX XXXX XXXX. The charge they claim is for XX/XX/2020. I contacted XXXX XXXX XXXX  directly and they have no knowledge of any debt I owe them. Besides, all my XXXX bills are paid directly via auto pay linked to my debit card or bank account. This includes the XXXX XXXX  component as well as 4 wireless lines. I do not have any other accounts with XXXX. I am enclosing a chat transcript with XXXX  and screen shots of my bill pay history for all my XXXX  accounts. 

I also researched on XXXX  and other websites that there have been over 530 complaints against Sequium Asset solutions https : XXXX I believe this company is a fraud and they are trying to scam people. Such people need to be shut down and criminally investigated. 

I tried to resolve this with XXXX but they said they investigated the dispute and believe the account is indeed mine - which is completely baseless unless my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has incorrect information on who I am, and show fraudulent credit application requests. I have tried to call Experian, but their system does not let you talk to a person! Their automated options do not include the simple idea of reporting and correcting issues. I have tried to use their online system to report, but it says it can not process or honor my request. I 've tried multiple times. 
The entire company seems incompetent. HELP! 
XXXX XXXX XXXX, Oregon
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts belo has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Account name : # XXXX, Accounts name : # XXXXXXXX  has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX, XXXX Account # XXXX, has violated my right. 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: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this 7th CFPB complaint as while I was going through my records, I noticed many files which do not belong to me are still in my credit reports. Under section 605b of the FCRA the Experian and XXXX Credit Bureaus are required by law to remove these items which are found to be opened due to identity theft. Again, the dispute items do not belong to me. Im re-attaching the required FTC Report for you and personal documents ( learned through more research both parties require ). Please remove these files. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Here are the items I need the Experian and XXXX Bureaus to REMOVE : EXPERIAN : XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$11000.00} XXXX : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$250.00} ; XXXX XXXX XXXX XXXX XXXX : {$320.00} ; XXXX XXXX  XXXX XXXX  Balance : {$390.00} ; XXXX XXXX XXXX Balance : {$950.00} ; XXXX Inquired on XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are over XXXX unauthorized inquiries on my credit report seemingly all belonging to financial businesses. These are not my inquiries. 

XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX XXXX ( XXXX inquiries made ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card XXXX XXXX XXXX XXXX XXXX I spoke with XXXX of XXXX XXXX and was told that I should call to dispute the inquiries as they are not mine.
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account Number XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

Over the past two years, my credit rating has dropped XXXX points due to a poor rating from Navient Student Loans, now XXXX. In XXXX, during the Covid-19 pandemic, when my student loan payments were suspended by the federal government, XXXX reported the following monthly payment to XXXX, XXXX and Equifax as late/deliquent : XX/XX/XXXX ; XX/XX/XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. To correct this error, I contacted Navient/Aidvantage by phone XXXX XXXX, XXXX to have the incorrect information remove. I was informed by a XXXX representative that I had to contact the XXXX credit bureaus, as XXXX took no responsibility for the misinformation. Therefore, on XXXX XXXX, XXXX, I filed online credit report complaints with XXXX, XXXX and Equifax. About 5 days later, the XXXX credit bureaus informed me by email that the erroneous information would not be removed because it was reported to the bureaus by XXXX. Therefore, I was instructed to contact XXXX to have the incorrect information removed. However, as stated previously, I had already contacted XXXX before filing online complaints with the XXXX credit bureau. Essentially, the XXXX credit bureaus and XXXX are not taking responsibility for the incorrect information that dropped my credit rating.
Product: Debt collection

Inaccurate information reported to the credit bureau. I disputed this account 3x no verification giving.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible. Here are the list of disputed items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$2600.00} ; XXXX XXXX Balance XXXX {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$0.00}.
Product: Checking or savings account

Late XX/XX/2018 I went to check my account and found out that I owned Bank of America {$4000.00} dollars. I was shocked to see that I owe the bank money. So I called the bank to see what was going on. They told me that I owned them {$4000.00}. The bank told the check was counterfeit check. I told the bank I had know ideal that the guy I worked for at the time paid me with a counterfeit check. I bank just told me there sorry but their is noting that they can do about it. They said it s call a good faith check. Telling me I have to have faith that the person or company haves the money in there account. I told they I don't have the money to pay them back. The bank told me I can make payments for XXXX every two weeks started in XX/XX/2018. I told them I can pay them XXXX every to two weeks. So they have closed my account.
Product: Debt collection

Asset Recovery Solution appear on my consumer report. I have not done any business with this company or provided express written consent to have them provide damaging information on my consumer report. This is a violation of my privacy under US Code 1692.

They also put on my consumer report that I owe them an alleged debt. 

I want their information removed from my consumer report asap and removal of any alleged debt.
Product: Mortgage

I had a home equity loan with First Horizon Bank ( XXXX ) that is being reported to the credit bureau agencies as a " Charge Off ''. This account was sold in its entirety to XXXX XXXX XXXX  on or about the end of year 2020. This account should not be reported as a charge off ; it was transferred or sold in its entirety and is a current account with XXXX. 

No amount of this balance was ever forgiven, or " charged off ''. This misreporting is a violation of the Fair Credit Reporting Act.