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

This is a XXXX XXXX XXXX XXXX for the CFBP. 


RESPONSE : XXXX Resubmitted on XXXX ( due to error on th fax of the OCC ) I had received your letter dated XXXX, Your Institution said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. 


I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents. I was told that this claim its not 100 % correct. That payment or any of the records claimed on your letter never appear on my bank records. ( this payments nor any transaction are not in my bank records. ) As I had mentioned prior, This his is the store error and mistake. This never existed and never took place the way XXXX claimed to happened. 

This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. 
I had sent a copy of {$800.00} XXXX Cash payment that was never annotated on my account. 

Pl lease see the attached documents. Let me know if theres anything I can get to Synchrony Bank in order to clarify this issue. Thank you for your assistance and your cooperation on this matter. 
Please noticed that I had responded to this letter on XXXX but I faxed the paper work to XXXX office to the OCC, which had my case # XXXX Today when I called to check on this issue, I was told that I need to resubmit this claim. 


Please noticed. 
Synchrony Bank XXXX Lowes keep saying that my payment was returned due to the bank reversed my payment. This is not correct, my bank XXXX XXXX XXXX XXXX has no records whatsoever of this transactions. 
Please see tha attached paperwork. Dated XXXX I responded inmediatly but my paperwork went to the wrong offcie.. 
Respectfully, XXXX XXXX Attached Copy of the Fax sent to XXXX on XXXX to the OCC copy of a Synchrony Bank letter dated XXXX Account xxx-xxx # XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX ( second letter ) copy of a OCC Claim # XXXX dated XXXX copy of a {$800.00} payment believed was credited to my account d XXXX copies of XXXX XXXX  statements issue by my bank on XXXX total number of pages # 22 Today date ; XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX, I was looking for a used car loan and saw an add on my USAA Banking website that read, your loan offer from USAA bank is good for 45 days. The ad said the rate would be as low as 2.99 % APR when enrolled in automatic payments and purchased with car buying service for XXXX and older models. There was a 1 as a note. Under the note there were various comments but none limited the ad to any specific model year. I applied for the loan, causing a credit hit and the loan was approved for 6.95 %. When I called and asked why my rate was so high, I was told that the lower rates are only good for vehicles XXXX and newer. I explained that there ad said XXXX and older. The only reason I did not qualify for the lower rate was the year of the vehicle. I have very good credit and have gotten loans from USAA multiple times. No where in their advertisement did it mention that this ad was only for XXXX and newer vehicles or I would not have applied knowing I was planning to purchase a XXXX Vehicle. Again the ad specifically states XXXX and older. The rep I spoke with refused to honor their ad, so I escalated it and spoke with XXXX ( employee ID # XXXX ) who again refused to honor their ad stating that the ad says " as low as '' 2.99 %, but the reason they gave me for not qualifying for that rate was only due to the model year of the vehicle, which is indirect conflict with their ad saying XXXX and older. I have copies of the ad and the notes from their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover card has a fraudulent account on my credit report i want removed, I have sent information stating I a victim of identity theft, i did not open this account and discover is ignoring my request to have this account removed from credit report, I will send a demand letter is this communication does not demanding that this account be removed or i will send a letter for demand for arbitration, this account was not open by me, I will send information explaining and show I am a victim of identity, I just sued XXXX and successfully won my case in arbitration because my information was exposed in a data breach, that also my information was compromised in that breach, this not my account I demand the removal of this account or i will seek legal action against discover card for opening a fraudulent account in my name
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Student loan

On XX/XX/XXXX I submitted my employment verification forms for my PSLF forgiveness. After speaking with a customer service rep, I was told it would take up to 30 days to process and apply the paperwork. After 30 days have passed, I called to check on the status and was then told it could be up to 90 days and that they would get to my account/paperwork when they could. This is unacceptable as the deadline for resuming payments and interest are quickly approaching.
Product: Credit reporting or other personal consumer reports

Complaint Against Equifax for Failure to Remove Disputed Account I, XXXX XXXX, am filing a formal complaint against Equifax for failing to remove an account from my credit report despite receiving official confirmation from the creditor that the account should be deleted. 

On XX/XX/XXXX, the creditor who originally reported the accountXXXX XX/XX/XXXX( related to Beauty and Health ) and XX/XX/XXXX me documentation stating that the account would be removed within 1 to 4 business days. However, as of XX/XX/XXXX, one account remains on my report. 

I promptly contacted Equifax and provided them with the necessary documents proving that the creditor instructed all three credit bureaus to remove the account through an XXXX XXXX XXXX (XX/XX/XXXX) form, which is a direct order to delete the account, not a request for a new dispute. Despite this, Equifax has failed to comply. Instead, they opened a new dispute without my request and are now claiming they have another 30 days to investigatefurther delaying the removal of an account that should have already been deleted. 

I expedited my documents to Equifax via next-day shipping, ensuring they received all relevant proof. However, they continue to report inaccurate information, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and a potential data breach. Their negligence has caused me significant emotional distress, XX/XX/XXXX, and financial hardship, including missed workdays. 

I am requesting immediate removal of the inaccurate account from my credit report. Additionally, I am considering legal action against Equifax for : 1. Failure to follow the FCRA by not correcting inaccurate information in a timely manner.

2. Data breach and negligence in handling my credit report.

3. Emotional distress and financial damages resulting from their failure to act.

I demand an urgent resolution to this matter and the immediate deletion of the incorrect account. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This Was Part Of Divorce Decree On XX/XX/2021 Decree # XXXX XXXX  It is not my financial Obligation Anymore, as it belonged to my Ex Spouse. I was Relieved from my debt by a court order, Ordered by A Judge XXXX XXXX In A XXXX, Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX : SANTANDER/XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX : XXXX XXXX  Account Number : XXXX XXXX
Product: Debt collection

This company continues to report failure to pay status ( over 120 days ) on my credit report in a malicious act to destroy my credit. I have copies of all cleared checks going back 12 months that I have to submit every month in disputes with this company. This company forces their debtors to use third party debt collector ( XXXX XXXX XXXX ) in their repayment process, at an upfront cost of {$500.00}, and automatic payments. These payments do not reflect against your debt balance. I refused to be tricked by these unfair collection tactics ( DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT ), and sent my payment by check to the original company ( Army and Air Force Exchange Service ). On my checks I put my correct, ( Army and Air Force Exchange Service ) account number, but fees were still deducted and sent to XXXX XXXX XXXX. I have delivered copies of cease of unfair collection practices, and intent to file suit, if this action continued with this company. This will be my last step before obtaining legal counsel.
Product: Debt collection

Contacted company in XX/XX/2020 regarding account that should be removed. Identity theft.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protective consumer, I am now opting out any and all authorization, I the consumer may have given you, written, unwritten, verbal and non verbal, per XXXX XXXX XXXX. THE PRIVACY ACT OF 1974. ( XXXX XXXX XXXX ) Criminal liability for willfully and knowing violations. ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX  reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( XXXX XXXX XXXX ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( XXXX XXXX XXXX ) XXXX with respect to disclosures of personal information. ( XXXX XXXX XXXX ) The enforcement of the regulations prescribed there under shell be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. CENTRAL PORTFOLIO Account : XXXX, in XXXX XXXX XXXX Name.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its illegal 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 XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

This accountXX/XX/XXXXFormerly XXXX ( Account # XXXX ) is reported opened on XXXX XX/XX/XXXX & reported open on TransUnion XX/XX/XXXX. 
XXXX reports Date Last Active : XX/XX/XXXX & TransUnion reports Date Last Active : XX/XX/XXXX. Reporting INACCURATE information. 

After requesting a reinvestigation XXXX REMOVED this account from my file. I have attached the removal notice from XXXX to this complaint. 

TransUnions reinvestigation came back ( XX/XX/XXXX ) stating Date Updated, Date Closed, Rating, HISTORICAL ( SEE ATTACHED Documentation ). TransUnion XXXX XXXX is still reporting Last Payment Made XX/XX/XXXX yet the Payment HISTORY/Summary shows REPOSSESSION consistently XXXX. CLEARLY INACCURATE! 

I researched inaccurate credit reporting by XXXX via the CFPB and came across a Consent Order. Ive attached the documentation to this complaint. 

XXXX XXXX TransUnion failed to investigate this account properly after I repeatedly asked to have the account updated. This inaccurate information falsely manipulates the statutes of limitation. Your neglect has once again violated my consumer rights. I am demanding a DELETION of this account XXXX formerly XXXX, Account XXXX XXXX
Product: Credit card or prepaid card

Someone was able to open a Capital One Debit Card in my name. I did not open this account.
Product: Debt collection

XXXX XXXX  credit card issued by XXXX XXXX. New card was taken out in XX/XX/XXXX and used for purchases. Invoice received in XX/XX/XXXX and paid but I used wrong XXXX XXXX/Synchrony account from my online bill pay service. Received next invoice in XX/XX/XXXX and paid again to wrong account.

Making payments to wrong account was 100 % my fault.

I realized in late XX/XX/XXXX that payments were being made incorrectly. I called XXXX XXXX  on XX/XX/XXXX and explained situation and asked that funds get transferred from old dormant account to new account and late fee be removed. Was assured that this would be done within 7-10 business days. Total money paid exceeded amount due.

Called back on XX/XX/XXXX and was told that the transfer request was submitted incorrectly and would be resubmitted and I should call back in a few days to ensure it was being done.

Called back on XX/XX/XXXXand was told no transfer had been requested and would be requested again. This was an hour long phone call speaking with reps in XXXX  and the U.S. as well as a supervisor in the U.S.

On XX/XX/XXXX received collection notice email and new late fee assessed to account.

Called back on XX/XX/XXXX and was told that transferring money takes time and that there is nothing else they can do and I have to just wait. Was unable to speak with anyone other than customer service rep who is only authorized to submit funds transfer request. Was not allowed to speak with anyone in department who is actually capable and responsible for transferring funds.

I am 21 days into a simple request to have funds transferred from one account to another. Funds that Syncrhony is holding exceeds amount due on account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have items on my report that do not belong to me I disputed these items prior and they had got deleted but now they are reflecting on my credit reoprt as charged off or closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Around of like XXXX or XXXX of XXXX or XXXX something like that I been trying to check my credit score plenty of times just to keep update on it and sit says I have other credit loans and everything even with school and I had reported to the school I was trying to sign up for but been waiting for years to hear back and plus when I tried to sign up again for the school again recently some time last year XXXX the school kept saying about my Fasfa or something isnt right or anything. Plus I check my credit again and tried to call irs to report fraud on a lot of my legal documents and keep check on that and still nothing so I havent to no full time colleges or anything so how do I got loans already this is unbelievable can yall look at fraud reports and everything
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, Equifax announced that a " cybersecurity incident '' compromised confidential information including social security numbers, birth dates, addresses, drivers license numbers, and credit card numbers for approximately 143 million U.S. consumers ( or roughly 66 % of all adult Americans, as I understand it ). 

After checking with Equifax, I have learned that my information was compromised. 

This " cybersecurity incident '' was discovered on XX/XX/XXXX, and the company allowed over a month to elapse - a month during which my social security number and a handful of other identifying information could have been used to impersonate me - without notifying me in any way ; then when they did notify the public it was through a general message on their website with no direct contact to let me know that the press release had been published. If it were n't for traditional and social media, I would not have even known that my identity had been compromised well over a month ago due to the negligence of Equifax. 

Again, despite having access to my address, to multiple phone numbers, many ways to contact me, Equifax decided to say nothing publicly for over a month, and then to issue a public statement with no way of me knowing that the statement was made if not for third parties. 

Equifax has offered a free year of credit fraud monitoring, but frankly this is not a solution. My identifying information can not be recovered, and I will still be at risk for far longer than Equifax is willing to monitor my information for possible fraud. To ensure that my identity is secure after the one year, I would have to enroll in a paid program - effectively rewarding Equifax with my business for its negligence.
Product: Mortgage

I am in extreme need of advice and possible services, regarding a home I purchased back in XXXX, XXXX. I bought this house in hopes to retire to after I completed my over 20 years of XXXX service in the XXXX XXXX. I used my VA Home Loan and since the home was new, built in XX/XX/XXXX, XXXX did n't require a home inspection. It turns out after several months living in this home my wife and middle daughter begin to get really sick and we could n't figure out why? I was not living in the home due to back to back deployments XX/XX/XXXX ' and did n't really know how bad things really were. My wife reached out to the builders, XXXX XXXX on several occasions and they refused to help her. Finally in XX/XX/XXXX we could n't continue to pay for the things that kept going on with the home and the continuing health issues suffered by my family, so we moved. I could not afford to pay rent somewhere and the hefty mortgage on the home in question. After several months we hired a listing agent to take care of the property and list it for us. After a day or two of being in the house she ( XXXX XXXX Listing agent ) noticed a strange odor in the house and thought we might have been hit with at the time they were calling " XXXX DRYWALL '' made by XXXX ( XXXX )! She recommended we have a home inspector come in and see if this was the case. It turns out it was exactly that. She then recommended an attorney that was already representing hundreds of other clients for the same issue. It turns out that after the initial class action was closed and all affected were compensated, every one that came after would have to hope the lawsuit would be reopened. We have been in the Class Action lawsuit ( MDL NO XXXX ; SECTION XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ) for 4 years now. That is the suit and the address of the house affected. I was informed by my attorney on XX/XX/XXXX because the XXXX, which I was unaware of, foreclosed on the home that I most likely would n't receive a settlement. I know that my home builder and suppliers are both on the list that I received from my Attorney ( XXXX XXXX ESQ. ) of XXXX, XXXX law offices home based on XXXX XXXX, FL. She informed and recommended to me, that I should look into a foreclosure attorney to possibly filing a single claim on this situation. I really would appreciate it if you could give me any information whether you think your office could intervene or not? I just want to find a resolve to this situation, so I can start rebuilding what would be an unblemished credit report, if not for my purchase of " what I thought would be my dream home '' I received a notice today XX/XX/XXXX stating that XXXX XXXX was going to foreclose on me and put a lean on my bank accounts and any property. I also want to make it clear I have reached out to everyone you can possibly imagine from XXXX XXXX XXXX, Atty Gen XXXX XXXX and all the way to the Office of the President and the Office of the First Lady. I have years of documentation from my desperate attempt to receive the proper attention to this life-altering experience. Please Help!!!! 

Respectfully, XXXX A XXXX ( XXXX ) XXXX : ( XXXX ) XXXX : XXXXXXXXXXXXXXXXXXXX