23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I registered for a Synchrony Bank store credit card for XXXX on XX/XX/XXXX in order to make a roughly {$3000.00} purchase. They were offering promotions of deferred interest on purchases over a certain amount ( less than my {$3000.00} order ) for 18 months, which I selected at checkout. I set up automatic payments to the account of {$250.00} each month to ensure that I would pay off the balance before the 18 month promotion expired. This year ( XXXX ) I found out that Synchrony charged me about {$750.00} interest on my XXXX statement, noting that the promotional period had expired. Apparently they registered me for the 12 month promotional period despite me having selected the 18 month promotional period and had not notified me of this. When I called to have them fix the promotional period they told me that I would have had to file this correction within the first 6 months. I was never notified of this requirement to my knowledge. They didn't supply any confirmation of my selected promotional period upon purchase and never notified me that the promotional period was about to expire. There is no mention of the promotional period in the emails received from Synchrony. There is no reason for requiring notification of incorrect promotional period application within 6 months other than tricking me into having the incorrectly applied period lapse before noticing. They absolutely refuse to make the corrections to the promotional period for no reason at all. 
They also have been charging me for card security that I did not request and never signed up for. I consider both of these actions fraudulent.
Product: Checking or savings account

In XX/XX/XXXX, I discovered the bank had been charging me XXXX monthly fees on my account that was supposed to be free because of the direct deposit I had set up. 
From XX/XX/XXXX to XX/XX/XXXX I was charged XXXX  months of " maintenance fees '' when it was supposed to be free. 
I asked to speak to a XXXX and no one was available to see me. I received a call later that day, where the clerk told me the XXXX had only reimbursed XXXX  months of the fees. 
I asked to meet with management and I was told they would summit the request. 
I never heard back from anyone. 
Is frustrating that they did not take this seriously. I feel like my trust was violated. As XXXX XXXX every XXXX counts and the bank didn't care to just take my money. I wonder how many other clients this has happen to and have not noticed. If I had not discover this charges they would have continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting laws. These list of companies have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Ally Financial, they reported inaccuurate information and then updated inaccurate information to their liking without removal. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated my rights. 

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

Transunion shows duplicate loans for five of my student loans with XXXX. I have submitted a dispute request with Transunion. However, Transunion only allows me to dispute one loan at a time. At least that is how their dispute form appeared at the time I filed it. Which is simply mindboggling. I want all the duplicates to be dropped. This should be done with care as to not disrupt the original record.
Product: Credit card or prepaid card

Around XX/XX/XXXX I was alerted of a new account open in my name when I saw my credit report so I contacted BB & T to make sure it wasnt granted because I experienced fraudulent accounts open in my name from this bank. The agent assured me no account was granted because I had a fraud alert preventing verification of my identity and the account could not be open. Moving on around XX/XX/XXXX I was contacted for credit line increase that I did not XXXX XXXX I contacted them again via Certified Mail to assure them to close the same account that was not supposed to be open. Now its XX/XX/XXXX it shows Closed on my credit profile with a balance of {$5000.00}.
Product: Student loan

I have been with this company for years and every time I call to get information, the information differs. I never get communication at all, email or mail, even though they say they send the information, including billing statements and loan details. When I called XX/XX/24 to discuss lowering my monthly payment, they told me to go refinance with another company because they won't/ca n't do anything else. I can't refinance because the balance is too high and the interest rate I have with them is lower than anyone else, yet the payments are still too high. They don't seem to care about me as a person. They inherited me from XXXX XXXX and it has been a pain in the rear ever since day XXXX.
Product: Debt collection

On XX/XX/XXXX Harvard Collections Services reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. Harvard Collections agency reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX. Harvard Collections Services has not notified me via mail or phone call for the debt in question. Harvard Collections Services has not provided verification of this debt and has not responded to any phone call correspondence. 

On XX/XX/XXXX XXXX XXXX XXXX reported the following to the credit reporting agencies : " Seriously past due date/ assigned to attorney, collections agency, or credit grantor & apos ; s internal collection department ''. XXXX XXXX XXXX reported a balance of {$560.00} which was updated on XX/XX/XXXX for the original creditor : XXXX XXXX XXXX OF NY. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX in regards to the debt in question. I sent a request for verification to XXXX XXXX XXXX on XX/XX/XXXX by certified mail, the following agency has not provided debt verification within the legally obligated 30 days. 

Two agencies are trying to collect on the same debt that has not been verified when verification was requested. Both collections agencies are reporting these accounts as negative collection to all credit reporting agencies. This is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unauthorized and fraudulent inquiries made to my report and I believe I am a victim of identity theft and these inquiries have fraudulently been made to my credit and needs to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B obliges us to remove any incorrect accounts from my credit report. Could you examine the documents? Some accounts are inaccurately reported with wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/2018 I noticed my fico score dropped around 50 points out of no where. This was apparently due to a serious delinquency according to my fico score. I retrieved all 3 credit reports from the credit bureaus and there were no issues regarding a delinquent account. I called transunion and apparently one of my student loans from XXXX hadnt reported in a while so I filed a dispute and that was eventually resolved. Being that is was a year ago I dont recall the outcome specifically but I believe they began reporting again. Now, a year later, my fico score is still low due to a delinquent account. I still do not show any delinquent accounts. I called the loan company ( XXXX ) who assured me all my payments were on time or there was one late payment when XXXX took over XXXX and I sent a check to XXXX   instead of XXXX but XXXX assured me about 2 days ago that wasnt reported. Additionally if it was reported its ridiculous because they changed companies and where my check has to go wasnt where my auto payments sent it. Again there are no delinquent accounts or missed payments on any of my credit reports. Transunion has basically said I have to call the loan company XXXX  and XXXX has said I have to call transunion to resolve this issue. I am looking to get a mortgage in the near future and my fico score is being affected by a phantomlate payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX all protect the business not the consumer, nor do they educate the consumer on the fake fico score the report to the councumors. What ever credit report should be notified to the consumer so they know the false derogatory statements presented buy fico and the three agencies. My complaint is against revamping the three credit reports to show true time fico scores others get not a feel good worthless score that does nothing for the customer. Under the privacy information act we are entitled to information you share with other companies as to the tack report you provide the cunsumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELAATE TO ANY TRANSACTIONS DONE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, to whom this may concern, I am submitting this complaint because I have noticed several inaccurate accounts and inquiries on my credit report without complete disclosure. I feel like I havent had a fair chance to obtain credit because of these inaccuracies and according to the Fair Credit Reporting Act ( 15 U.S.C 1681 ) I have A Right to a FAIR and 100 % COMPLETE Credit report. These violations of the Fair Credit Reporting act has caused me a great deal of XXXX  and XXXX XXXX Please help me resolve this matter I have tried disputing but nothing works. I really appreciate you taking the time to hear my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hav e 3 cur rent complaints with Equifax. First, they have blocked my credit file from me. I have tried pulling my Equifax report through Equifax  Credit Monitoring, i have  tried through  XXXX  and  XXXX , all for some reason are not able to get my credit report. As far as i know, it is illegal to block access to a consumer 's own credit report. Second, for some reason they decided to delete all the accounts from my credit file to which i am an authorized user. This was never requested and is clearly the credit bureau taking adverse action for their own convenience. Third, i sent them a request to invoke my rights under FCR A 605B to bloc k the reporting of fraudlent accounts. I sent them the FTC letter along with proof of identity and they also seem to have ignored this as well. Equifax has previously been notified of items reporting on my credit file that are fraudulent. They have ignored my request to block the reporting of the fraudulent information. I have provided notification of which accounts are fraudulent, i have advised which credit inquiries are fraudulent. I have sent my identity verification and i have sent the FTC identity theft report to them. I have sent everything i am required to send under the FCRA and i expect full compliance with the FCRA  605b which m andates that credit reporting agencies must block the reporting of the fraudulent accounts. This is the excerpt of the FC RA 605B ( 15 U.S.C. 1681c-2 ) .A consumer reporting agency must ( a ) Block. Except as otherwise provide d in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that  the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a   statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 

XXXX XXXX XXXX XXXXXX/XX/year> : this inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681B.

XXXX XXXX XXXXXXXX this inquiry has no permissible purpose to be on my report delete this inquiry due to violation of 15 USC 1681B
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$760.00}
Product: Mortgage

For 2 months the Ocwen said they did not receive our payments. I told them we had sent them by mail, as usual. They made me beg for 1.5 hours and XXXX different people in order to get the late fee waived. Then they found our checks and cashed them without telling us. Now we have paid payments ahead for 2 months, because they found the checks. Now we need that money to pay taxes, but they have already credited it to our account. 
Also, the rate changed in XX/XX/XXXX but the payment coupon did not. They charged us the additional amount, but they show it on the statement as a fee, not principle and interest.
Product: Vehicle loan or lease

I filed an identity theft affidavit because nothing on my contract should have been XXXX. I physically signed every piece of paper for this contract and the only evidence presented was a docusign version of my contract yet again. I asked for a copy of the papers I signed that day and I was told I could not get a copy until the finance manager signed her part and she was not there.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account # XXXX Dear CFPB, I am filing a formal complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for account # XXXX. Despite multiple requests for correction ( letters dated XX/XX/XXXX and XX/XX/XXXX ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Summary : The account in question is an installment loan opened on XX/XX/XXXX, now closed with a zero balance and a payment status of " current. '' However, late payments were inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. My records, including bank statements and payment confirmations, demonstrate that these payments were made on time and that no delinquency occurred during these months. 
Violations : FCRA Violations : Failure to ensure the accuracy of reported information under 15 U.S. Code 1681i.

Non-compliance with the 21-day advance statement requirement under 15 U.S. Code 1666b.

TILA Violations : The inaccurate reporting constitutes a failure to provide timely and accurate disclosures as required by the Truth in Lending Act, causing undue harm to my creditworthiness and financial stability.

Desired Resolution : Immediate removal of the inaccurate late payment notations for XX/XX/XXXX and XX/XX/XXXX from my credit report. 
Written confirmation of the correction to the address provided above. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies. 
I trust that you will address this matter with the urgency it deserves. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed XXXX XXXX XXXX  in XX/XX/XXXX. The bankruptcy was set to come off this year. I had relinquished a car in the bankruptcy. On XXXX, it was showing 7 years was up on car through XXXX XXXX in XXXX of this year. I disputed it through XXXX. Next thing I know, they got upset and reported me as late on equifax now and showing XX/XX/XXXX instead. I did not have that car long at all. I dispute the fact that it was that long. It should be over. 7 years has passed and now they brought my score down by XXXX points. Please help me resolve. Let me know of anything I can do on my end.
Product: Credit reporting or other personal consumer reports

Due to a clerical error with coding my Social Security XXXX check stop coming in from XXXX to XXXX. I was unable to make timely payments on my Key Bank Credit Card. Key Bank called and harassed me with about 6 calls a day. When I finally got the back pay from Social Security I made two payments on my credit card ending in XXXX. The first payment was XX/XX/XXXX for {$440.00} which was the full past due amount. Then on XX/XX/XXXX I paid the card off and made a payment of {$1800.00}. I had previously had fraudulent charges on the account and had asked for it to be closed. They said they could not until it was paid off. This was about a year ago. I forgot all about that when paying this card off and stupidly gave them every dime I had to pay this off thinking I could use it again. 
So I paid the card off and then BOOM they immediately closed the card leaving me with nothing. Then to make matters worse they lied to the credit bureaus and made false claims when I disputed the amount owed on the card. I filed a dispute because I paid off the card. After the dispute was over they lied again and never updated or corrected that I had paid the card off. I also called Key Bank to reopen the card several times and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent dispute a dispute letter to Experian. Despite my requests, the unverified items listed below still remain on my credit report in violation of Federal Law. Experian is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of the first investigation and subsequent reinvestigation, they stated in writing that they updated that these items are being reported correctly? Who verified these accounts? Experian has NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully  intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Account Name XXXX Account Number XXXX Account Name XXXX  XXXX  & XXXX Account Number XXXX