23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

When i signed up for synchrony banks loans i opted in for their loss of employment insurance. 

Then covid happened and america was declared under a state of national emergency and businesses were shut down! I lost my job. 

I spoke with a nasty rude agent at synchrony bank and told them about my job loss due to covid. The female rep at synchrony bank said you just took out these loans and coincidentally lost your job how convenient and refused to honor the loss of employment insurance i paid for! 

I will not pay a dime! They need to honor the insurance i paid for and cover these losses which is protected under federal law due to covid and the insurance i paid for! 

If synchrony bank continues to refuse and continue this financial fraud i will have our family attorney XXXX XXXX file civil suit for the total amount on all 3 loans in addition to financial hardship caused by their fraudulent reporting on my credit report! 

I went from a XXXX credit score to under XXXX This financial scam is fraud and is a felony! 

Remove these charges from my credit report immediately settle this case positively or face civil suit in XXXX XXXX tn!
Product: Credit reporting

CHEXSYSTEMS IN REPORTING FRAUDULENT ACCONTS IN VIOLATION OF DODD-FRANK ACT
Product: Vehicle loan or lease

Purchased a vehicle A XXXX XXXX XXXX ( XXXX ) from caravana on XX/XX/XXXX and after paying the {$1900.00} down payment with the shipping fee and arranging the date of delivery the vehicle was never delivered to the address listed and the company refuses to give any information only states that my application was denied, which makes no sense seeing as I had approved financing from outside lender and caravana proceeded to send me the purchase contracts which needed to be endorsed, which I did as well. Contracts were uploaded and accepted by Carvana as well as timestamped that same day but to this very day the vehicle has not been received and Carvana continues to force to submit this report regarding their poor quality of service as well as rapport between customers and agents. Also the down payment in their words was sent back to my account but upon review as well as a copy of consumer report per XXXX XXXX XXXX, they payment shows it was returned to an account that was held by XXXX XXXX and initially came from my account at XXXX XXXX XXXX.
Product: Mortgage

Select Porfolio Servicing continues to leave notes outside my door. I would like it to stop
Product: Credit reporting or other personal consumer reports

Failure to provide documentation : Requesting Verification of Information and Evidence of Permissible Purpose Pursuant to 15 USC 1681b The specific accounts and inquiries I am referring to are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX
Product: Debt collection

This is not my Debt. I sent out a Debt Validation letter via certified mail.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legit obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of disputed outcomes. These failures align with my experience where Equifax where neither has been corrected nor removed or amend disputed accounts as Equifax actions violate federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX XXXX Balance : {$18000.00} ; XXXX Original Creditor : XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Original Creditor XXXX XXXX  XXXX Balance : {$310.00} ; XXXX  XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through a XXXX. I was awarded the formerly shared account from XXXX in the settlement. On XX/XX/XXXX, my now XXXX  continued to try to withdraw funds and so I decided to open a new account and just transfer the funds out. 

In the process of trying to get this open, XXXX said that they got a report from Early Warning reporting service allegedly about " an issue with a bank or financial institution ) and so a was not allowed to open the account. 

XXXX gave me the contact information for Early Warning and I immediately contacted them. I was concern with having to provide my full XXXX and to a person that sounded like they were working in some kind of XXXX XXXX XXXX XXXX 

I nonetheless went through the process and was told that I would have the report within 15 days. 

Today ( XX/XX/XXXX ) I called because I still have yet to receive any documents. When I called, they wanted me to re-provide all of the personal info. I said that I had a reference number but they couldn't find it without the personal info. I gave it and then I was told that they didn't get another form from me. 

I was never told that more documents were needed and now am waiting for them to send me the alleged needed form again. Most interesting is that they said that they needed to send this through the mail. But I only had given my email address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted company and was gave them concerns regarding account being continuously reported to credit bureau due to negative impact on housing market. Confirmed that they sent in a request for negative reporting to end for account, however it is still showing as negative on report.
Product: Credit card or prepaid card

My XXXX credit card payment was sent from my credit union with the incorrect credit card account information. Bank of America was unable to locate the payment and after almost 1 month returned the payment to my credit union as being unable to be applied. I immediately resent the payment with the correct account information ( note : this is even before my credit union credited the money back to my personal account ). 

Bank of America did credit back the late payment fee and some of the interest, however they did not credit back XXXX interest in the amount of {$20.00}. I have spoken to at least 5 different people regarding the issue and they say there system is not able to credit the {$20.00} back to my account and there is nothing that can be done. I have asked to speak to supervisor and have been told none are available, one stated she did not have the ability to credit the charges, I filed an internal BofA compliant and when I followed up was told that they have no record of a compliant being logged. 

It is a point of principle that I am fighting this charge. I paid my credit card statement on time but the money was not applied to my account ( but BofA had my money all this time ) yet they still charge my {$20.00} in interest since they can not get their system to reverse the charge. 

I have asked for supervisors to call be back but none have. I would like your assistance to get this matter resolved immediately. As trivial as this sounds, it is indicative of the way Big Business deals with the small individual... I need your help to get this resolved. 

Thank you. Please do not hesitate to contact me for further details.
Product: Debt or credit management

Lexington Law Firm defrauded me out of money in hopes of making my XXXX XXXX better.
Product: Credit card or prepaid card

I received two prepaid reward cards from American Express as rebates for items purchased from XXXX XXXX. The first was received in XXXX for the value of {$75.00} with an expiration date of XX/XX/XXXX. The second was received in XXXX for the value of {$80.00} with an expiration of XX/XX/XXXX. I have purposely held on to both cards, along with others, for a specific purchase. When I went to use the cards XXXX of XXXX at XXXX XXXX, the cards had XXXX value. I called the number on the cards, which was American Express, and was told that due to non-use a {$2.00} fee had been charged each month depleting the funds. They did state it was in the disclosure sent with the card and was also printed on the back. I will admit I did not read the back of the card as I thought this practice ended with the card act in XXXX. Regardless, this practice is wrong and somewhat deceiving as you have an expiration on the front of the card which suggests the value of the card is good until this time only to find they are already taking funds from the card for non-use. American Express stated there is no way to replenish the funds and it is my loss. Basically, you snooze, you lose. I feel this is a very unfair and deceptive practice. The card act talks about this practice and the unfair practice. I feel I should receive the {$150.00}. Card numbers XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT According to per XXXX XXXX XXXX I DIDNT AUTHORIZE THE REPORTING OF THE ACCOUNTS UNDER XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX IXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to Experian for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/2022 with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the items I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed items with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE FOLLOWING ITEMS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX 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 card

Synchrony Bank has unilaterally chosen to close XXXX credit account and reduce the available credit on another, even though I've not even been late on XXXX payment in years... the entirety of my relationship with them. 

They've performed an action that is dilatory to my credit score, even, by their own admission, with XXXX cause, such as a late/missed payment.
Product: Credit reporting or other personal consumer reports

Company is reporting information without authorization of consumer with a third party that which is protected by the Privacy Act. Additionally, the Bankruptcy Court confirmed that they did not report directly to the credit bureau.
Product: Credit card or prepaid card

In XX/XX/XXXX I noticed a larger monthly payment for Home Depot. I called Home Depot customer service and Spoke with a representative who informed me that there were two accounts in my name. The account was opened when home Depot had a breach in XXXX, all transactions default to my bill. I requested information on the other account along with transactions, statements all receipts for both accounts. I still have not received any response. I sent a follow-up certified letter and still have not had any response pertaining to my request for documents. I have filed a police report.
Product: Debt collection

I reached out to National Credit Adjuster about an collection that I'm not aware of. I sent disputes out on XX/XX/2021 and XX/XX/2021 and still haven't received any information. The collection is reporting on my credit report and now its reporting late every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX  XXXX XXXX that I defaulted on. They sold the account and charged it off. I settled the account with XXXX XXXX XXXX  XXXX for payment in full. I have made on time payments since 2018. XXXX  XXXX XXXX continues to report inaccurate account information to the 3 major CRAs : 1. Reporting 38 charge offs on this one account.

2. Failing to note that it was sold a settled for payment in full.

3. Reporting new late payments on this account every month. 

I have disputed this repeatedly with XXXX and XXXX  XXXX XXXX continues to verify as correct. 
It is my personal opinion that this may have an element of racial discrimination.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account-Disputed discrepancy in reporting contradictory open and closed dates and that account was too old to be reported to credit bureaus. ( Between XX/XX/2024 and XX/XX/2024, your XXXX XXXX collections account was removed from your credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) # XXXX, 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: Credit reporting or other personal consumer reports

I am a victim of identity theft, and several fraudulent accounts remain on my Experian credit file despite providing all required documentation on XX/XX/year>. These accounts were opened without my knowledge or consent, and I did not benefit from them in any way. 

The fraudulent accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, XXXX submitted my FTC Identity Theft Report, government-issued ID, and proof of address directly to Experian, as required under FCRA Section 605B [ 15 U.S.C. 1681c-2 ]. This law mandates that fraudulent accounts be blocked and removed from my credit file within XXXX ( XXXX ) business days of receiving the required documentation. Despite meeting all legal requirements, these accounts remain on my credit report. 

Experians failure to act within the legally mandated timeframe is a direct violation of federal law and has caused significant financial harm and emotional distress. This continued inaction is unacceptable and warrants immediate correction.
Product: Mortgage

Need proof showing my  XXXX  score was a  XXXX  on    XXXX   XXXX  ..i tried several times to get proof from the manager and I 'm not getting anywhere..i also asked for papers showing I did n't close on the house and have n't got those either ..
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on LexisNexis, XXXX, and XXXX Report and Request for Detailed Description of Verification Methods To Whom It May Concern, Details of Complaint : I am writing to formally dispute inaccurate information on my LexisNexis, XXXX, and XXXX XXXX report. Upon reviewing my report, I identified several discrepancies that need correction for a fair assessment of my creditworthiness. Accurate reporting is essential, and I believe the current inaccuracies may adversely affect my financial opportunities. 
Despite previous attempts to rectify these issues through the standard dispute process, the items in question were not properly verified. Therefore, I am now requesting a Detailed Description of the Verification Methods used during the investigation of my dispute.

Specifically, I request the following details regarding your investigation : 1. Methods Used : Please describe the specific methods and procedures used to verify the disputed information.

2. Sources Consulted : Provide a list of all sources, including creditors or data furnishers, consulted during the investigation.

3. Documentation Reviewed : Detail any documentation or evidence reviewed to support the verification of the disputed information.

4. Verification Process : Explain how the accuracy of the information was verified and the criteria used for validation.

5. Timeline of Investigation : Outline the timeline of the investigation, including key dates and actions taken. 
Violations of XXXX : I believe the verification process by LexisNexis, XXXX, and XXXX XXXX violate my rights under the following laws : 1. 15 U.S.C. 1681e ( b ) : Compliance procedures to ensure maximum possible accuracy of consumer reports.

2. 15 U.S.C. 1681i : Procedure in case of disputed accuracy.

3. 15 U.S.C. 1681s-2 ( a ) ( 1 ) : Responsibility of furnishers of information to provide accurate information.

4. 12 CFR 1022.42 : General requirements for reasonable investigation of disputes.

5. 15 U.S.C. 1681c ( a ) ( 5 ) : Prohibition of adverse information older than seven years.

I request the Consumer Financial Protection Bureau ( CFPB ) facilitate a thorough reinvestigation of the disputed information in my LexisNexis, XXXX, and XXXX report. Specifically, I ask that : XXXX. LexisNexis, XXXX, and XXXX provides a detailed description of their reinvestigation process and how they verified the disputed information. 
XXXX. LexisNexis, XXXX, and XXXX corrects the inaccuracies in my report as identified. 
Enclosed are copies of my LexisNexis, XXXX, and XXXX report highlighting the disputed items and any supporting documentation ( e.g., payment records, correspondence ) that proves my claim. Please review this information and correct the inaccuracies promptly. Under the FCRA, you are required to investigate my dispute within 30 days.
Product: Debt collection

I have had numerous billings, collection notices, etc. from the XXXX XXXX XXXX XXXX for a bill that was paid in full to the service provider XXXX XXXX XXXX. I advised the agency that the bill was paid in full via check and cleared the bank on XX/XX/2018. This was before my first notice from them. They continued to send notices however and I offered to send them proof the check cleared and all I get is more threatening notices. I did not receive a response to my offer. 

What is most offensive is that there was a billing problem and XXXX XXXX advised me my physician should have used another code thus the bill would have been under Medicare AND not to pay the bill until it was resolved. Weeks went by and it wasn't resolved so I just paid the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am, XXXX XXXX, consumer and natural living person submitting this complaint and there is no third party involved. Equifax committed fraud on my consumer report, and I did not consent, benefit nor authorize these collections or hard inquiries on my report. I demand Equifax to remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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