23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware of incorrect information on my credit report in regards to a PayPal Credit Card. Apparently that card was taken out in XXXX. Payments were made on the card ( not by me ), but subsequently, the person who initiated the charges stopped paying. Somehow, this card and charges have been inaccurately associated with my credit report. When the person stopped paying, Synchrony charged it off and sent the account to XXXX XXXX, a debt collector. 

When I have contacted PayPal Credit, by phone, no agent will speak with me because they can not identify me as a PayPal Credit cardholder ( I do not have the complete account number and my name does not match ). As far as I can tell, neither my correct address, nor my correct name is on the delinquent PayPal Credit Card account with Synchrony Bank. 

Using this inaccurate information, Synchrony Bank has decided I am a credit risk and preemptively closed two of my accounts that were never delinquent and that have been paid on time - a Care Credit Card and a TJX Rewards Card.

The PayPal Credit Card account should never have been associated with my credit report if the information does not match. The name used to open the card is not my name and the address used to open the account is one that I have not lived at since XXXX. 

I sent this information to Synchrony Bank and asked them to initiate an investigation of the account so that they could remove the damaging information from my credit report. 

On XX/XX/XXXX, I received an email from Synchrony bank making reference to the Care Credit Card account that Synchrony Bank closed. This was not the PayPal Credit Card account that I am disputing should not be on my credit report. 

If anyone at Synchrony Bank had taken the time to actually read my letter they would have recognized that it is the PayPal Credit Card charges that I am disputing and not a Care Credit Card that has a {$0.00} balance on it. Why would I dispute that account? 

To make matters worse, Synchrony Bank has now informed the three Credit Bureaus that they have resolved my dispute and that the charges are accurate! And they have not investigated the account I am disputing! 

I am asking that Synchrony Bank initiate an investigation into the PayPal Credit Card associated with my credit report. I never opened the account in XXXX, never paid on that account, and have never received a bill from Synchrony regarding that account. 

That card should never have been associated with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX GA ) XXXX Balance : {$10000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Third party debt collector bought bad debt from XXXX XXXX XXXX and now claims I owe them even tho Ive never entered into a contract with Resurgent Receivables. Plus, the debt was charged-off by XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently review a copy of my credit report and notice i had fradulent account on my report. Please remove these accounts form my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a certified return receipt letter to creditor listed on my ChexSystems consumer report to dispute inaccurate information regarding overdrafts. I am attaching a copy of the letter being returned from the post office on XX/XX/2022 due to a bad or invalid address. On XX/XX/2022, I sent ChexSystems a returned mail letter ( certified return receipt ) regarding my dispute being returned for an invalid or bad address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA, if the furnisher knows or has reasonable cause to believe that the information is inaccurate. The letter was received and signed for on XX/XX/2022. 

On XX/XX/2022 ( 31 days after signature ), I pulled my ChexSystems consumer report to see if the inaccurate item was deleted. Instead of removing the item, they just marked it as accurate and verified. As of XX/XX/XXXX, ChexSystem is continuing to report an invalid address and I demand that the item they are reporting to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car through   XXXX   XXXX   and Paid it off completely. But when I look at my credit report it is showing a balance of  XXXX  with Transunion and  XXXX . Also, it is showing twice on my credit report when it should only show once. I would like for my credit report to reflect the proper accurate information. Please have this account only showing once on my credit report and also showing a   XXXX   balance as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello-On XXXX 2021-I disputed inaccuracies pertaining to my credit report-and requested they be removed-I also have written certified letters to all 3 bureaus and to XXXX XXXX ; to no avail nothing has been removed or resolved. 
I received a response on XX/XX/XXXX XXXX-stating they found no fraud, and that the investigation was finished. 
To this day-XXXX XXXX has not shown me proof that any investigation findings were ever done. 

I have repeatedly asked both parties to kindly remove these inaccurate accounts and dates off of my credit for it is severely lowering my score and I am unable to obtain proper credit at the highest level. I have also asked for the original contract signed, They have provided me with no proof as of yet.
Product: Mortgage

Shellpointe informed me By mail that they are my new mortgage company. 

I was told they will modify my mortgage and I will pay a lower interest rate & lower monthly payment Because I was on the forbearance plan. Unfortunately that did not happen I wear more. 

They report my mortgage to the credit bureau that I was late which I was not and Im still not. That information is still on my report. 

Some of my payment is unapplied They add interest to the forbearance balance. I was told by my previous mortgage company there will be no late fee, interest added or mortgage sold. 

Additional fees are added because of the forbearance
Product: Credit reporting, credit repair services, or other personal consumer reports

I had notified TransUnion LLC. about incorrect information on my credit report on XX/XX/XXXX. XXXX the first attempt, XX/XX/XXXX. the second attempt and XX/XX/XXXX. the third attempt then I called TransUnion LLC. on XX/XX/XXXX. and spoke with XXXX who stated that this would be corrected and that he would note the acct. as C7 and that he seen my accounts are all in good standing as A9 the last time. I stated that XXXX Partial acct # XXXX ... .. as stated before on XX/XX/XXXX and XX/XX/XXXX that I was never late or past due for 30 days on these noted dates and to please correct this inaccurate information to paid ok on these dates to reflect the truth and accuracy of my payment history. I had requested a updated full credit report to reflect these changes which I had never received the report and only received a letter stating that their investigation was complete on XX/XX/XXXX and that this account was verified which turns out that I was told a Lie because, I contacted the creditor direct by phone and they stated they had not spoken to TransUnion LLC. and they do not even understand why my credit report would reflect late payments when I was never late in my payments. I have told TransUnion LLC. this information told to me by the original creditor but, TransUnion LLC. has still not taken any action or even supplied me with any Validation of information, evidence, proof and steps as well as who they claim they spoken with at XXXX. TransUnion LLC.Credit Bureau is required by the Fair Credit Reporting Act to furnish me with this information requested by the consumer and they did not do so which is in clear Violation of FCRA rules. TransUnion LLC. is currently still listing inaccurate information on my credit report and is in Violation of FCRA rules that states the information by Credit Bureaus must be 100 % accurate, and it is not so please correct this information or it Must be Deleted from my Credit File per FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of XXXX accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XX/XX/XXXX, Caliber Home Loans ( Caliber ) began servicing my loan on a new home purchase that I closed on in XX/XX/XXXX. 

In XX/XX/XXXX, my mortgage statement increased 40 % from {$1900.00} to {$2800.00}. I contacted Caliber to find out why this happened. I was told it was because of a new escrow analysis and that my taxes and insurance had nearly doubled. My taxes and insurance did not double. My taxes actually went down due to a homestead exemption, and my insurance remained the same. 

I later found out that the initial escrow analysis was done on a prorated basis due to me purchasing the house mid-year. Another contributing factor was the house being a new build, so property taxes were originally just assessed on land value and not the land value plus improvements. 

I work in the housing industry and after doing some inquiring, I discovered that the original escrow analysis was done incorrectly. Caliber should have taken into account that my taxes would include improvements into XXXX, and they should have estimated what my insurance and taxes would be for a full year when they began servicing my loan in XX/XX/XXXX. 

They did not. Instead, they expected me to make-up an escrow shortage they created by increasing my mortgage payment 40 % for the duration of XXXX. 

I've talked to representatives from Caliber on four occasions from XXXX to XX/XX/XXXX, and I also submitted an inquiry electronically via their website. They prorated my escrow shortage over 60 months, but I have told them that this isn't an acceptable solution. 

I've asked to speak with someone from their escrow department, but I was denied that request. I've asked to speak with someone more senior in their organization, and I was told that someone would call me. That call never came. They responded to my inquiry via their website and stated that my issue had been resolved. It hasn't been. 

At this point, my current mortgage statement isn't an accurate reflection of what I should have been paying all along had the escrow analysis been done correctly in the first place, and it remains more than I've budgeted for. Separately, I don't know what's going to happen when my property taxes will be due in XXXX, and my escrow account won't have enough to pay for them. 

I feel like I've exhausted my options with Caliber and reluctantly am forced to compel them to resolve this through this complaint process.
Product: Credit reporting or other personal consumer reports

Name XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX  XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, XXXX XXXX Subject : Complaint Regarding Incomplete Reinvestigation by Experian Dear CFPB, I am writing to formally lodge a complaint against Experian regarding their handling of a recent reinvestigation of my credit report. 

**Account Information : ** - Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : [ XXXX ] - Date of Birth : [ XX/XX/XXXX ] On [ XX/XX/XXXX ], I submitted a dispute to Experian concerning inaccurate information on my credit report. The details of the disputed item are as follows : I expected a thorough and fair reinvestigation as mandated by the Fair Credit Reporting Act ( FCRA ) .I received a response from Experian indicating that the information would remain unchanged. I believe this decision is incorrect, as I provided adequate documentation and evidence to support my claim. 
Despite my attempts to communicate with Experian, including [ mention any phone calls, emails, or correspondence ], I have not received a satisfactory resolution. It appears that they did not adequately investigate my dispute or consider the information I provided. 
I request that the CFPB investigate this matter and take appropriate action against Experian for their failure to comply with FCRA guidelines. Additionally, I would appreciate guidance on further steps I can take to resolve this issue. 
Thank you for your attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously sent disputes regarding this issue numerous times. This issue is really causing me to have significant XXXX  XXXX TransUnion Consumer Solutions is failing to truly investigate and validate the information that's in my consumer report. It is illegal for the bureaus to report an active payment history when the alleged account is a charged off account. This inaccurate information falsely manipulates the statute of limitations. Their negligence has violated my rights. I AM DEMANDING A DELETION IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

In my fourth endeavor to resolve this matter, I want to emphasize that this marks my third attempt to address the ongoing issue. Despite numerous requests, EQUIFAX has consistently denied me access to my personal credit report. They have steadfastly refused to provide any information about my credit history. Enclosed are supporting documents, including a duplicate of the letter I sent to the credit bureau and copies of my personal identification.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX accounts, no account numbers shown, 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 card or prepaid card

I contacted XXXX at Synchrony where I have my XXXX credit card for HSN on XX/XX/22 for help lowering my interest rate of 26.99 % since I can no longer afford the XXXX of {$200.00}. He was a XXXX and told me they are not reducing interest rates at this time. I told him I am making less money and can barely afford this along with my medications, food and gas. I am a loyal customer and I am looking for help to lower the interest rate so I can afford a lower monthly payment amount. He just kept repeating that be can't help since they are not currently lowering interest rates. I told him I am drowning and need help but he did nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX social security number # XXXX DOB XXXX/XXXX/XXXX, I have talk with all three credit company 's about Identity theft of my account this was over 8 years ago and there are things still appearing on my account like hospital bills, student loans, cable service, bills, auto loans, mortgages etc. I have never own a home and I do not even have a high school diploma to even go to college let alone all these hospital bills and cars and cables and phone bills. If that person does not live in the state of Mississippi its not me and I will have a lawyer to step in if they do not resolve all this in 45 days I have been patient with them and their still letting some people still my identity I just had some one arrest in the state of XXXX  for stilling my driver license thanks to the XXXX XXXX XXXX for bring this guy to justice. And there are hundreds more still stealing our lives please help me. Thanks XXXX XXXX XXXX
Product: Debt collection

My brother informed me that he was contacted and harassed by a debt collector. Then I had an other debt collector sending letter for the same reasons. Two debts are contacting for the same reasons. It it overwhelmed with this situation. It is old debts and it is expired a long time ago, but I am still being harasser with phone calls and letters.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. This violates FCRA Law : 15 U.S.C. 1681-1681x.

I am now being contacted by numerous credit organizations about accounts that do not belong to me. These accounts are now showing up on my credit report creating negative data and affecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen and used to open a number of fraudulent accounts in my name. These accounts on my credit report are fraudulent and need to be removed from my Credit report immediately and permanently : # 1. XXXX {$0.00} Closed 2 late payments, XX/XX/XXXX, Credit Limit {$200.00}. # 2. XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$500.00}. # 3.  XXXX {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$750.00}. # 4.XXXX XXXX {$1100.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$1100.00}. # 5.XXXX/XXXX  {$0.00} Closed Unknown payment history, XX/XX/XXXX, Credit Limit {$300.00}.
Product: Student loan

I have called dozens of times and waited on hold for over an hour to be told that there is an error and that Nelnet cant get me logged in because my old phone number cant receive a text message for their idiotic 2FA login process ( seriously, what is someone going to do? Login and pay my loan? ) So I get emails saying that loan is past due. They wont give me an account number. They wont give me the payment amount. They wont let me login, and they havent mailed literally anything to me. How am I supposed to pay my bills when I can not access them and the awful company hasnt made an effort to send the bill?
Product: Credit card or prepaid card

I feel that Discover is being misleading about the Secured card. When I applied on the discover site back In XX/XX/XXXX for the secured card it stated that it would graduate after the XXXX month. This card has yet to graduate and it has been open for 18 months. This account has never been in default and always in good standing so I'm wondering why the card hasn't graduated yet? I have called and spoken to representatives and the only thing that Discover reps tell me is that it's systematic and they can't do anything manually. I've asked what are the qualifications to graduate and Discover can't tell me anything pertaining to it. I've asked questions about the needed score to graduate, how many months does it have to be, even the bureau that they're looking at and they CANT tell me anything. Why would Discover offer something to the public but can't tell customers what's expected to move to the next level? I feel that's very misleading and it's very shady for a company that guarantees quality to not answer questions in order for me to succeed. The answer the reps give are no better than competitors XXXX reps answers. I'm very disappointed.
Product: Credit card

1 ) KeyBank and XXXX are merging. 
2 ) I have a closed MasterCard account that is being transferred from XXXX to KeyBank. 
3 ) I received notification that most of the terms and conditions of my cardholders agreement - interest rates, fees, account number - will not change. The address for payment will change. 
4 ) XXXX key conditions are being changed. a ) The five day grace period for a late payment fee will be eliminated. I can live with that. 
b ) The billing cycle will end on the XXXX day of each month, instead of the XXXX, XXXX or XXXX. Due date will be the same " at least 25 days after close of billing cycle ''. This, combined with the elimination of any grace period, is terrible. It places the due date closer to the end of a month. It is already very tight to get money in time from an account at a bank, where it appears as my income on the last day of a month, to meet a deadline for payment by the XXXX of the following month. Changing this to the XXXX just makes it that much harder. How can this be considered a fair and acceptable change? It, together with the end of any grace period, is an invitation to collect more late payment fees.