23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Discrepancies in Reporting of Charged-Off Account on Credit Report RE : XXXX XXXX  XXXX Dear Synchrony Financial Bank, I hope this letter finds you well. I am writing to address certain discrepancies I've observed in the reporting of a charged-off account referenced above on my credit report. After reviewing the information outlined in the " Synchrony Credit Card Master Note Trust prospectus, '' specifically regarding the charging-off and subsequent sale of receivables, it appears there may be inaccuracies in the reporting for my specific account. 

As per the prospectus, accounts are charged off as aged credit losses after 180 days of being past due, and these charge-offs are executed on various cycle dates during each Monthly Period. The receivables are then sold, and the purchase price is determined based on the recoveries from previously charged-off accounts for the same Monthly Period. Subsequently, on the last day of the Monthly Period in which a receivable is charged off, it should no longer be shown as an amount payable on the trust 's records. 

However, my credit report continues to reflect a balance on the charged-off account, which appears inconsistent with the procedures outlined in the prospectus. I kindly request your assistance in investigating this matter and correcting any inaccuracies in the reporting of my charged-off account to align with the procedures detailed in the " Synchrony Credit Card Master Note Trust prospectus. '' This act is shameful it has caused severe hardship to my reputation, my character, my mode of living and to my family! So it is crucial to ensure that my credit report accurately reflects the status of this charged-off account based on the prospectus guidelines. Please provide a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. 

Please be advised that a failure to resolve this matter promptly will be considered a breach of your 424B5 prospectus filing with the U.S. Securities and Exchange Commission ( SEC ) and a violation of the Fair Credit Reporting Act ( FCRA ) under 15 U.S. Code 1681s-2 and it will be reported. 

I expect a detailed response within the next 30 days, explaining any actions taken to rectify the reporting discrepancies. If additional information or documentation is required from my end, please let me know promptly. 

I appreciate your immediate attention to this matter and your commitment to ensuring the accuracy of credit reporting information. Thank you for your assistance in resolving this issue. 

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

EQUIFAX BROKE THE LAW. I sent a FTC Identity Theft Report and all requirements for the removal of 4 fraudulent accounts and hard inquiries reporting on my credit report. Pursuant to 15 USC 1681c-2, EQUIFAX had 4 business days to delete the information from my report, and EQUIFAX failed to delete all of them. Only one was deleted. It is WAY past the 4 business days from receipt of receiving the documents. I further received a letter in the mail stating they are not honoring my request for the deletion. It was not a request it was a demand that I am entitled to as a federally protected consumer. I did everything I needed to do in accordance to federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an identity theft victim. As a result, there are unauthorized hard inquiries on my credit accounts. I have disputed them multiple times, but am always told that I need to contact the reporter. I have contacted the reporter multiple times. I have sent certified letters, made phone calls, and sent e-mails. The first certified letter was received by the creditor on XX/XX/2019. The hard inquiry still exists on my account. The creditor is SpeedyCash, which is a subsidiary of XXXX XXXX, XXXX. SpeedyCash has assured me, multiple times, that the accounts were fraudulent and that they will remove the inquiries from my credit reports. I sent FTC reports, police reports, and multiple documents proving this was a fraudulent inquiry, but it remains.
Product: Credit reporting or other personal consumer reports

Transunion is reporting a charge off form XXXX XXXX that is past the statute of limitations in my state and in violation of the USC 1681 2 ( a ) ( 1 ) and USC 1681 s2 and USC 1681 a. They have no right furnishing my personal experieence with outside CRA without my prior autorization. this is a vilation of my Consumer rights. Also XXXX XXXX is repeatedly harassing me with settlement offers, emails, and phone call even after the statute of limitations has passed in my state which is a grave violation of the FCRA and the FDCPA.
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 18681b 2. Company also has NO permission to report ANYTHING using my information pursuant to 15USC 1681 4. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. {$21000.00} written off. {$19000.00} past due as of XX/XX/2XXXX XXXX
Product: Money transfer, virtual currency, or money service

I purchased some XXXX through Coinbase using my debit card. I then sold the coins and have the funds sitting in an online wallet, the funds are in XXXX and I have been unable to get any advice out of the company as how to actually get the funds back into my bank account. They advised me to send a payment to them to verify my bank account but they still have not done this meaning i can not get access to my funds. All of the advice on the Coinbase.com website is very confusing regarding the withdrawal of funds especially if they are in XXXX. 

Coins bought on the XX/XX/XXXX and more on XX/XX/XXXX. This was very easy and i used my debit card. I then sold the coins on the XX/XX/XXXX. I completed the payment to them as requested on the XX/XX/XXXX which debited my bank account on the XX/XX/XXXX. Coinbase say they will then verify the account 1/2 days later. This has not been done yet and as all of the reviews online are so negative about this company I am starting this procedure now in order to get my funds out asap. I feel very misled by the company and let down by the online and telephone service.
Product: Credit card or prepaid card

On XX/XX/19 I applied for a new Barclay account to charge an XXXX purchase and was approved - when I got the credit card on XX/XX/19 I activated the account and it said successful - However, when I tried to register online account to view activity it gave me security questions ( supposedly linked to credit profile that I monitor daily ). Those questions were, previous car owned? and previous colleges attended? None of the selections applied to me at all on either question. Therefore they locked my account. I called company on XX/XX/19 to help gain access after I tried to use it and it did not authorize my purchase. I was driving and company wanted me to email a bunch of private information which I am pretty sure is illegal to request this email and since I was not able to do it I told them I would call back when I could depending on information they wanted. I called back and talked to someone today XX/XX/19 and they asked for, Front and Back of drivers license, front and back of social security card, Paystub, and utility bill. I informed them that was way too much sensitive information which would give them full access to my credit profile and I did not feel comfortable about sending it and asked for other options since I feel this may now be fraudulent. They said there was nothing else they could do without that complete information. I then said please close my account immediately because I can not use it and refuse to incurr charges on an account I can not use. They said they also could not close this account without all that information - I feel this is illegal for two reasons : 1. I should be able to close any account I want - 2. they should not be allowed to take copies of all that information. I have asked them to reset questions and I will do online again and they also won't do that. I now believe that this call center may be involved in fraudulent activity. They also refuse to send me an email verifying they are requesting this information
Product: Mortgage

XX/XX/22 I applied online for a 2nd mortgage for an investment property loan with Wells Fargo Bank. A representative contacted me and indicated he would be sending me a pre-approval within the next few days. A few days later, he told me I could expect the pre-approval letter " by XXXX ''. In the meantime he requested I send bank statements, W2s, employment verification and a copy of my identification. I sent everything he requested. Once I verified he had received my documents, problems began. He stopped communicating unless I reached out to him. He told me several contradictory statements about the loan. He told me the loan was reviewed by the underwriter who needed 25 % down or a cosigner. When I agreed to that term he then told me the underwriter needed me to address a dispute Id made to my credit report. After I explained the dispute he then told me I needed to provide another bank statement. When I submitted another bank statement I also complained about how my loan request had been handled. Last week, as a denial, I received a letter stating Wells Fargo did not offer the loan package I had requested as the reason for the denial. The loan type listed was " conventional '' which Wells Fargo does in fact offer. I began sending courtesy copies of our emails to a bank manager who never contacted me. My credit score was within their parameters for the loan, I have steady long term employment and my debt to income is low. I believe I have been subjected to loan discrimination due to my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection account appeared on personal credit report for the first time on XX/XX/XXXX from a business called XXXX XXXX XXXX apparently a collection agency attempting to collect on a {$190.00} debt owed to a utility company. I notified them that I have never not paid a utility bill of any kind and they stated that they do n't need to provide validation of any debt beyond 30 days and this debt was assigned to them back in XX/XX/XXXX. However, I never received any notice from them relative to any debt allegedly owed. They refuse to remove this erroneous item from my credit history.
Product: Debt collection

I got letter in mail and email about the money I owe. I paid the amount by XXXX XXXX credit card the very day I received email. I requested calling their phone XXXX multiple times for the invoice of payment or some sort of receipt saying I paid the amount or collection amount. They always said I will email you but never happened.
Product: Debt collection

The last time I had cable was back in early XXXX and to be honestly I remember sending last payment and returning equipment. Opened date shows as " XX/XX/XXXX '' when even if it defaulted the date should show sometime in early XXXX. I have disputed and asked for proof but they came back and stated " meets FCRA requirements '' with no proof. I'm not sure if this was a result of some type of identity theft or what?
Product: Credit card or prepaid card

Comenity Capital Bank issues and services the Orbitz Rewards Credit Card. 
The very first statement I received was on XX/XX/XXXX. 
The statement in the amount of {$890.00} was paid in full on XX/XX/XXXX, even though the payment due date was XX/XX/XXXX. 
On XX/XX/XXXX, Comenity Capital Bank or its subsidiaries initiated an electronic debit from my bank account for {$580.00} to pay for the CURRENT month transactions. 

Comenity Bank 's action to electronically pay {$580.00} for the current unbilled month credit card transactions was NOT authorized. However, even adding the current monthly transactions to XX/XX/XXXX, the actual amount owed on XX/XX/XXXX, was a negative amount at - {$480.00}. So where did this {$580.00} come from? 
Agents representing Comenity Bank insist that the {$580.00} payment was a statement balance and authorized. 

The industry standards for a revolving charge credit card account is that the credit card issuing bank gets paid the statement balance until the following months ' statement.

The action taken by Comenity Bank is non-standard and allows the bank to collect for current billed transactions which are not due to be paid until the following month bill due date.

Comenity Bank 's actions are NOT designed to protect consumers and are unfair business practices on the part of the credit card issuer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Colections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX Experian Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collections : XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  EMPLOYER : XXXX XX/XX/XXXX XXXX : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I started the dispute process on XX/XX/22 and I have not received updated and the problem have not been fix.
Product: Credit reporting or other personal consumer reports

I HAVE REACHED OUT TO XXXX, TRANSUNION, XXXX ABOUT A COLLECTION ON ALL MY CREDIT REPORT .ORIGINAL XXXX XXXX IN COLLECTIONS WITH XXXXXXXX XXXX IS REPORTING. THIS ACCOUNT DOES NOT BELONG TO ME I HAVE SENT FTC REPORT ALSO A POLICE REPORT AND THEY ARE STILL REPORTING THIS TO MY CREDIT. THIS HINDERING ME FROM BUYING A HOME, JOB OPPORTUNITIES AND MUCH MORE. THIS A DEFLAMTION TO MY CHARACTER. 
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It states a consumer reporting agency cannc furnish a account without my written instructions. 46.9K 15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for purpose. 
in accordance with the Fair Credit Act Reporting Act. this creditor has violated my rights under 16 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 SECTION 6 O 4 A SECTION 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166B a credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately.
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, Equifax and XXXX regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Credit card

Hired XXXX XXXX XXXX XXXX XXXX  to do a project. 
They suggested using Synchrony Bank 's credit card to finance the project. 
I applied and was approved for the credit card. 

On XX/XX/year> XXXX had me sign a contract for the project 's {$16000.00} with the term " Your card will not be charged until the project is complete ''. 
See page 2 of Appendix A - Synchrony Sales Slip XXXX Reviewing my XXXX Synchrony credit card statement, XX/XX/year> I was billed for {$16000.00} ( even though the project had not started ). 
See Appendix B - Synchrony XXXX Statement I called XXXX XXXX XXXX & Cooling to complain, they did not return my call. 

They started the project. As we watched the work, we noticed many low quality issues. After bringing them up with the company they became aggressive toward us. 

We then had a XXXX XXXX XXXX XXXX come out and document a series of issues with the system. 
See Appendix C - XXXX Party System Inspection - XXXX We filed a chargeback with Synchrony Bank for 2 reasons 1 ) Terms said " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified ).

2 ) Company is using aggression and intimidation to try and pressure us to accept low quality work.

Synchrony Bank has rejected the chargeback stating we should accept XXXX 's word that the system is delivered and high quality ( refuted by 3rd party XXXX  company, on company letterhead, that system is not delivered or acceptable quality ) Synchrony Bank is violating their terms by allowing a charge when " Your card will not be charged until the project is complete '' Project is NOT complete ( 3rd party verified )
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts/inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

UNAUTHORIZED INQUIRIES, PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Debt collection

I win a bid on XXXX, i pay the item with a temporary credit card number ( from XXXX ) but i never receive the item and they never ship to me! so i decide cancel the transaction we went trough several calls etc. and they give me a resolution at that time ( summer of 2017  ) they says ( XXXX ) is all clear for me. but years later i start receiving collections letters offering to me pay in payments etc. i call it again, resulting again was all clear, now they put me in my credit report like I'm still owing that money for the item i never get! i call again to paypal, but they don't have any records that shows i owe that money. but still in my credit records, i really need to remove that mark as soon is posible, may affect my credit score, thanks in advance.
Product: Debt collection

I have been on another account since XX/XX/XXXX and would like to know where this overdue amount came from. I have not had a XXXX account in my name since XX/XX/XXXX.
Product: Vehicle loan or lease

XX/XX/year> {$490.00} i attempted to make a payment on my car loan account However, due to error the payment was not successful. 

Despite my efforts to rectify the situation and ensure timely payment, my credit report now shows the account as delinquent, which has negatively impacted my credit score. 

I have communicated with Honda regarding the unsuccessful payment and have made alternative arrangements to ensure timely payment moving forward. However, the issue with the reporting persists, and I have not received satisfactory resolution. 

I request that the CFPB investigate this matter and work with Honda to correct the inaccurate reporting on my credit report. I also request that any negative impact on my credit score be rectified. 

Thank you for your attention to this matter.