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

XXXX XXXX on account ending XXXX Chase bank sent a letter to resolve the account and offered an opportunity to pay less than unpaid balance. They reported that it would be a savings of {$960.00}. And they offered to accept {$780.00} to reduce the account to XXXX and stop further collection activities. So I called on XXXX at XXXX and talked to a XXXX # XXXX we made arrangements and I payed in full the amount and the account is payed in so I put a claim for my credit report to be cleaned and cleared and give my credit back from the ordeal. I recently checked XXXX to see what was the resolution and noticed that I still that account that is settled a balance of {$960.00} the same amount that I was supposed to save, I really dont care but I need this fixed and I have documentation from chase bank stated that this account is payed in full so there must be a glitch XXXX system when check facts out! But I know what I payed and they asked for the payment to clear the account. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have contacted XXXX and all creditors about reporting inaccurate information on my credit profiles and all parties have failed to comply. 
All of the accounts listed below should be reporting XXXX $ and these accounts are affecting my credit scores and is preventing me from applying for new credit. 

1. Discover acct # XXXX reporting {$6600.00} should be XXXX {$2.00}. Louisiana XXXX XXXX XXXX Acct number XXXX reporting {$1500.00} should be reporting {$0.00} 3.XXXX XXXX acct num XXXX balance reporting {$3200.00} should be {$0.00} 4. XXXX Acct # XXXX reporting {$3400.00} should be reporting {$0.00} 5. XXXX XXXX Acct num XXXX reporting {$15000.00} should be {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I did not authorize. I have sent letters to each bureau stating that these were unauthorized inquiries and they are still continuing to report these inquiries. They also have some of my personal information incorrect as well as reporting accounts late that I know I was never late paying.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach. There are fraudulent accounts and inquiries listed on my credit report that I did not authorize.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$3700.00} Fraudulent Inquiries : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the 3 credit bureaus. 
Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. 
I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still waiting on XXXX more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. 

GREATER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries where made on my account that i did not authorize. I have called both Transunion, XXXX  and creditors all parties have been unwilling to resolve my issues 1 ) XXXX XXXX XX/XX/XXXX 2 )  XXXX XX/XX/XXXX 3 ) XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XX/XX/XXXX 8 ) XXXX  XX/XX/XXXX 9 ) XXXX XX/XX/XXXX
Product: Mortgage

Ditech handles my mortgage. For four months, statements showed that I had an unapplied fund balance. Within the statement it stated " any partial payments that you make are not applied to your mortgage, but instead are held in a separate in-applied funds account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' So for XX/XX/XXXX, I paid the balance of a partial payment. Instead of applying the payment to my mortgage as stated, they paid off my late fee balance. The late fee balance was their for the last four months as well. Why did n't they apply the unapplied funds to my late fee previously? Since they paid themselves first, I am now showing late for XX/XX/XXXX and owing XX/XX/XXXX, instead of just owing for XX/XX/XXXX ( which would make me current ). My priority was to catch up on my mortgage and chip away at my late fees. How this was handled seems very unethical and an attempt to keep me in a late status ; in addition to continuing to hurt my credit score. It 's very upsetting that they chose to apply funds this way, instead of helping the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 



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

There is a creditor that I have no obligations with, reporting fraudulent information into my credit profile.
Product: Credit card or prepaid card

My son gets his SSI money loaded on to a XXXX XXXX XXXX card monthly. Everything had been going smoothly for about 2 years. In XXXX he went to make a purchase and found he had insufficient funds. He had charges on his card that he did not make. XXXX XXXX, XXXX, there was a charge for {$49.00} and {$1.00}, then on XXXX XXXX {$0.00} all from the same company that we have never heard of. We tried to contact XXXX XXXX XXXX repeatedly and the message kept saying they were experiencing heavy call volume. When we finally got through they said we had reached their customer service desk and that they would transfer us to someone to file a claim but we kept getting hung up on. My son is XXXX and he ca n't always say what he needs to due to XXXX and XXXX XXXX XXXX. I attend to all of his business but when I was trying to talk to XXXX XXXX they threatened to hang up the call if I spoke again. So I had to watch my son XXXX XXXX XXXX with them and the matter still did n't get resolved. I contacted Social Security about the manner and they said they could do nothing about. I requested his check be sent in the mail but they said I had to go into the branch but before I could get in I took ill. So on XXXX XXXX, XXXX, his card was struck again for {$670.00} and {$20.00} again from an unknown company based in XXXX. We had to leave our groceries at the grocery store and run to the nearest Social Security Administration and we sat from over 3 hours only to be told there was nothing they could do and that it was the same as if I got robbed after being paid by someone else. They did their part and it was between him and XXXX XXXX who we can barely get through to and after we get through to them it says call back at a later time once we are transferred to the complaint department. We ca n't pay our bills ... what should we do?
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX upon checking my report I Saw my account is reporting late even it's not late payment please delete the Late payment remarks on my account.
Product: Credit card or prepaid card

Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons CLOSE THAT ACCOUNT OUT PLEASE HELLO Subject : CFPB Case XXXX Synchrony XXXX  Credit Card Account Number Ending in XXXX Dear XXXX XXXX : On behalf of Synchrony Bank, I am responding to your concerns raised through the Consumer Financial Protection Bureau ( CFPB ). I appreciate you bringing this matter to my attention. I attempted to call you on XX/XX/2020 in order to discuss your concerns ; however, I was unable to reach you. 
On XX/XX/2020, we opened a fraud claim and referred the case to our Fraud Department for investigation. 
Your above referenced account ending in XXXX was closed and a new account number ending in XXXX was created for security reasons. Our investigation concluded on XX/XX/2020, with the fraud claim resolved in your favor. The enclosed letter was mailed to you on the same date explaining the outcome of the fraud claim investigation. Additionally, the credit bureaus were notified to delete any derogatory information pertaining to the fraudulent transactions from your credit bureau report. Please allow up to 60 days for the credit bureau to update. 
Synchrony Bank takes fraud seriously and we certainly regret any inconvenience you have experienced. 
We would like to stress compliance is very important to Synchrony Bank, and we follow all applicable laws and regulations. Your account is also important to us, and we strive to serve our accountholders in a timely and satisfactory manner. We regret any dissatisfaction you may have  experienced regarding this account Thank you for the opportunity to respond to your concerns raised through the CFPB. If you have additional questions regarding this matter, contact me at XXXX XXXX XXXX XXXX, extension XXXX. I welcome the opportunity to assist you.
Product: Checking or savings account

On XX/XX/XXXX I had multiple charges on my account that I did not make, totaling {$820.00}. I contacted my bank on XX/XX/XXXX and filed a dispute with XXXX  XXXX XXXX, Money Network. They denied my dispute so I filed an appeal with proof that I could not have been present at the time of purchase as I was at work. They never contacted me and when I reached out they stated that the denial stands due to the purchases that were made, despite the evidence provided.
Product: Credit card

I'm a international traveler who open checking accounts numbers internationally globally. 
I was XXXX XXXX regular XXXX XXXX  XXXX XXXX Texas XXXX, around XXXX to XXXX. 
During those years I open department store credit cards accounts. 
I lost all my department store credit cards account.
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

I submitted a letter to the XXXX and XXXX XXXX XXXX XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX XXXXXXXX Date Opened XXXX XX/XX/XXXX Balance : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax totaly messed up my vredit now repotying a 60 60 90 90 120 fays late on my reprt which is totally wrong switch it back
Product: Credit reporting, credit repair services, or other personal consumer reports

ProCollect attempted to collect a payment for a charge from an utility company wherein the utility company had incorrectly billed me for an entire condo building instead of just my individual unit
Product: Checking or savings account

Navy Federal Credit Union : Checking - {$170.00} I had a couple dispute, but I he to canceled the disputes because They closed my account while I was in the process of disputing it. 


XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recei8ved and confirmed with XXXX my loans have been forgiven. They are still reflecting on my credit report as balances owed. 

Forgiveness of Your Student Loans Dear XXXX, Congratulations! The XXXX XXXX has forgiven your federal student loan ( s ) listed below with XXXX in full. 
This debt relief was processed as part of the XXXX Administrations one-time account adjustment because your student loan ( s ) have been in repayment for at least 20 or 25 years. An adjustment to your account updated the number of payments that qualify towards income-driven repayment ( IDR ) forgiveness. This forgiveness is effective as of XXXX 

Loan Program Disbursement Date Original Principal Balance XXXX XXXX XXXXXX/XX/XXXX {$19000.00} XXXX XXXX XXXXXX/XX/XXXX {$21000.00} Log in to your XXXXXXXX account for details. 
WHAT YOU NEED TO KNOW Here are some important points on this IDR forgiveness : Due to the American Rescue Plan Act of XXXX the balance of your loans that were forgiven is not considered taxable income for federal income tax purposes. Since state and local tax implications will vary, we recommend you contact a tax advisor for more information. 

Not all your federal student loans may be represented in the table above as you may have begun repaying each loan on a different date. If you have federal student loans that are not included in the table, please continue to make payments on them. Payments are not required until after the payment pause ends at the end of XXXX. Your first payment will be due in XX/XX/XXXX. To find options to help with repayment, visit [ StudentAid.gov ] studentaid.gov. 

We have notified, or will notify by the end of the month, all national credit bureaus of your student loan forgiveness. 

If applicable, we'll process a refund for any payments made towards the loans listed above after the effective date of this forgiveness. 
NOTICE : This email is NOT an attempt to collect a debt or a demand for any payment. 
BEWARE OF SCAMS You might be contacted by a company saying they will help you get loan discharge, forgiveness, cancellation, or debt relief for a fee. You never have to pay for help with your federal student aid. Make sure you work only with the U.S. Department of Education and their loan servicers ( like us ), and never reveal your personal information or account password to anyone. Our emails come from XXXX. Emails that the U.S. Department of Education sends to borrowers come from XXXX, XXXX, or XXXX. You can report scam attempts to the Federal Trade Commission by calling XXXX or by visiting reportfraud.ftc.gov. 

Questions? Were here for you. Visit XXXX or call us at XXXX from XXXX XXXX to XXXX XXXX XXXX XXXX ) Monday, XXXX XXXX to XXXX XXXX Tuesday and Wednesday, and XXXX XXXX. to XXXX XXXX Thursday and Friday. Please note, this is a non-reply email. 

Sincerely, Your XXXX Customer Service Team
Product: Credit card or prepaid card

In XX/XX/XXXX I had an XXXX  XXXX that cost {$3900.00}. I accepted the equal pay contract where I was told I would be required to pay {$160.00} a month for 24 months and the XXXX XXXX would pay off with no interest. I have made every payment on this bill and the XXXX XXXX will not off at the end of the promotional period. I called in XX/XX/XXXX and spoke with a representative who stated they identified that the system failed to allocate one of they payments I made to the promotion. I was told that an escalation ticket had been submitted and the error would be corrected in 1 to 2 billing cycles. I followed up in XX/XX/XXXX and was told that it could take up to two billing cycles for the error to be corrected but it would be corrected. I called on XX/XX/XXXX and was again told that there was an error in the allocation and it would be corrected. I called back on XX/XX/XXXX to confirm that the correction was going to be made and was transferred to XXXX operator XXXX who was very rude. She told me that I should have caught the error sooner and that there was nothing that could be done to fix this mistake. I asked her why three other agents and one supervisor told me something different on various dates and she was curt and implied that they were wrong. I am not incurring {$1500.00} interest on this purchase when I have made every payment that has been due on this account as contracted. It is unfair and deceptive to advertise that these equal pay promotions will pay off when a certain amount is paid and then fail to properly allocate payments to ensure that the promotional purchases actually pays off as contracted. My account needs to be corrected to ensure that I am not charged any interest on this promotional purchase because I have paid as agreed.
Product: Credit card or prepaid card

I pay off my Synchrony Bank Verizon Credit Card each month. This month was no different. They are holding part of my payment. Here is what they told me in a chat window : XXXX XXXX Thank you for your time and patience. Upon checking, you made a payment for {$1400.00} on XX/XX/XXXX. It appears that the payment was partially placed on hold. The amount of {$870.00} that was placed on hold is scheduled to be released in 4 days from today. I sincerely apologize for the delay. 

The payment hold may happen for various reasons : Large number of payments made within specific time period. Previous Returned checks. Payments on new accounts. Out of pattern Payments. Amount of Payment ( high payments are generally held to ensure they clear ). Rest assured that once the payment on hold has been released, it will be added to the available credit right away. 
END CHAT So in effect they are holding part of my payment for 8 days. 

I have had NO returned payments, this is not out of pattern, the account is a few months old. The payment cleared on XX/XX/XXXX with my bank. I made XXXX other payments this cycle, but is this a large number of payments? 

Seems like they are taking liberties here that the don't need to take with me. 

More chat text from manager : XXXX XXXX : Thank you for waiting, XXXX. I'm XXXX, one of the managers. I can read through your conversation with my representative, if I may. I'll need a few minutes but you may also describe to me how I can help. 

I see that your recent payment has yet to fully reflect on the account. I understand that the hold is not favorable to you at the current time. I'll see what I can do. However, I don't want to provide any wrong expectations. All payments may be reviewed and may not update the available credit. Though we don't have the specific reason for the hold, based on my observation, it may be for 2 reasons - payment pattern and fairly new account. 
END CHAT
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.XXXX XXXX XXXX {$52000.00}. XXXX XXXX {$20000.00} XXXX XXXX {$100000.00} XXXX XXXX {$8500.00}. XXXX XXXX {$3500.00} have 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 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.I have a right to opt out of having accounts reported to my consumer report and now I am exercising my rights to do so.remove all accounts list at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX