23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Against Synchrony Bank Hardship Program Misrepresentation Issue Summary : I am submitting a formal complaint against Synchrony Bank ( CareCredit ) due to misleading and inconsistent information regarding a hardship assistance program. 

I contacted Synchrony multiple times via live chat to inquire about financial hardship assistance due to high medical debt and the overwhelming interest rate on my CareCredit account. During these conversations : I was told I qualified for a hardship program and was transferred to the appropriate team. 
After multiple transfers, I was suddenly told that no such program existsdespite previous confirmations. 

When I asked for written terms before enrolling, representatives refused to provide any. 
I was disconnected multiple times, leaving me with no clear answer or resolution. 
Synchronys lack of transparency, inconsistent information, and refusal to provide program details prevented me from making an informed financial decision.

Resolution Requested : To resolve this issue, I am requesting : A clear written response from Synchrony confirming whether a hardship program exists for CareCredit account holders. 

If the program exists, a full explanation of its terms, including interest rate adjustments, payment changes, and the impact on my credit report. 
If the program does not exist, an explanation for why I was repeatedly told otherwise. 
I am formally requesting that Synchrony provide this response in writing within 15 business days. 

If Synchrony does not respond with a resolution, I will escalate this complaint to additional regulatory agencies. 

Company Being Complained About : Business Name : Synchrony Bank ( CareCredit ) Business Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Chexsystems has violated the FCRA, also made false statements that a signature is required from a law enforcement officer in order to accept documentation.

I believe someone may be losing their job due to taking the law into their own hands instead of following federal law. This is a very serious matter that has been ongoing for months now and must be resolved immediately to prevent any further federal laws from being violated.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I requested from Experian to investigate the following accounts reporting on my personal credit : XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX ( open dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ) ; XXXX XXXX XXXX XXXX XXXX XXXX dates are not reporting correctly, dates last active, dates of last payment, status, balance owed, all are incorrect ). Experian 's first response was that they completed their verification of the accounts listed above, but nothing was modified, nothing was updated, and Experian still has not provided me with a description of their investigation. Then, when I followed-up for the requested information, Experian responded that the information I was requesting is part of previous litigation, which is blatantly false. Experian did not respond to my requests to verify these accounts, they did not provide truthful responses as to why they could not investigate these accounts. Experian is in violation of federal law by not investigating, not removing and not communicating with me, the consumer, regarding these errors on my credit report. And the CFPB has recently filed action against Experian for committing the very same actions I've noted above and in previous complaints, clearly demonstrating that Experian has a DOCUMENTED track record of committing sham investigations of credit reports- the very acts I've noted in this complaint!
Product: Debt collection

I transferred from one unit to another at the end of my first lease with the apartment complex. during that transfer, there was a debt of {$340.00} that was owed to the apartment complex. I paid this debt in full to the apartment, and my payment ledger shows this. 

I started receiving calls from a collection Agency stating the debt was not paid. I contacted the property manager and they confirmed the debt was paid and it should have not been sent to collections. I received a copy of my ledger showing the debt payoff.

the collection agency said the debt is still owed through them, and chastised me for attempting to " go around '' them with my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I sent off a dispute letter to Transunion and I still haven't received a letter with my dispute results back from the company yet. I sent the letter certified this is the tracking number : XXXX, the tracking number states it was delivered XX/XX/2020 2020
Product: Credit card or prepaid card

After filing a complaint they closed my account without my permission and didnt say why they closed it. Also they reported closed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TRANSUNION Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to urgently address an issue concerning my credit report. Upon reviewing it, I have discovered this unauthorized account that has adversely affected my creditworthiness. I firmly believe this account is the result of identity theft and require immediate attention and resolution. I want to clarify that I did not initiate or authorize this account. This has been fraudulently opened without my consent or knowledge. To address this, I have reported the suspected identity theft to the relevant authorities, including filing a report with the Federal Trade Commission ( FTC ). I have attached a copy of the Identity Theft Report filed with the FTC for your reference. 

I kindly request that you conduct a thorough investigation into the validity of this account and take appropriate actions to remove it from my credit report. This account is not the result of any legitimate transaction or credit application made by me. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVERBANK XXXX, DISCOVERBANK XXXX
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I contacted Rise Credit in an effort to pay off my installment loan. The agent confirmed my pay off amount, and scheduled that amount to be debited from financial institution on XX/XX/year>, via EFT. The transaction cleared and posted. 

I checked my Rise Credit account online today, XX/XX/year>, and discovered a remaining balance of a XXXX XXXXXXXX dollars. Shocked, I contacted the lender to investigate further. I was advised that the agent who processed the pay off amount on XX/XX/year> made an error. Later, I was advised that their system made an error. Mind you, Rise Credit never contacted me to clarify their error or their system 's error. I disputed responsibility with them ... ultimately, they stated I would be responsible for the remainder of the balance... which I paid today, XX/XX/year>. 

Some key notes : Loan Amount : {$5000.00} Total Interest Paid over Loan : {$9600.00} It is my complaint : Their agent stated a proper pay off balance, which was paid by me. Further, they never contacted me with their error. I feel that I'm owed at least the sum of money I paid today, XX/XX/year>, back ( if not more ). This loan has been in full, both on principal and on interest. 

It is my warning : This is a predatory lender. Now that I've paid off my loan, a second time, I can't log into my account.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I received a copy of my credit report and found the following inquires to be in error : ( XXXX  XXXX XXXX XXXX & XX/XX/XXXX ), and ( XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX ) By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraudulent inquires from the credit bureaus as Comenity Bank instructed me ; the credit bureaus are not removing or blocking those credit inquiries from my credit report, credit bureaus are referring me to Comenity Bank to dispute those inquiries directly with them because Comenity Bank is alleging that the credit inquiries are valid every time I deny then with the credit bureau. Whenever I dispute fraudulent inquiries without including the valid accounts that I have with Comenity Bank and the correct inquiries related to those accounts, Comentity Bank is closing all my accounts for no reason. They claim that the credit bureaus are informing them that I am disputing all the open accounts, I requested evidence of that, but Comenity Bank refuses to send proof to me. At this point, I am informing CFPB that XXXX and other credit bureaus, and Comenity Bank are refusing to remove the following fraudulent inquiries : COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITY BANK/XXXX XX/XX/XXXX COMENITYBANK/XXXX XX/XX/XXXX COMENITYCAPITALXXXX  XX/XX/XXXX COMENITYCAPITAL/XXXX XX/XX/XXXX COMENITY BANK/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX COMENITYCAPITAL/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX COMENITYCAPITAL/XXXX  XX/XX/XXXX Those inquiries have been inserted in my credit report per Comenity Bank request, I called to the Account Protection Team at ( XXXX ) XXXX, and spoke with XXXX, a supervisor of that department, and she refused to help me with this dispute claiming that she didn't have access to the applications completed in more than 30 days ; I requested to speak with the person who is verifying these inquiries with the credit bureaus, and she said that I have to contact the credit bureau to resolve this. 
Valid Accounts that I have with Comenity Bank that don't need to be disputed or closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am disputing only the inquiries that I listed and nothing else, so then the accounts that I have with Comenity Bank should not be affected for retaliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, XXXX reported the last payment of {$93.00} to them 30 days late in error. We contacted the company and they agreed in writing ( even providing a reference number ) that they would update my credit report with all three bureaus to show that it was never delinquent. I have a copy of any email from them to verify this agreement. They admitted to the error but my credit report was never updated. The AUD control number for the update request that was sent to the Nationwide Credit Reporting Agencies is ( XXXX ). Nothing was done by the credit bureaus. This has greatly impacted my credit score.
Product: Student loan

Navient forces you to become delinquent before they will offer any lower payment arrangements. This has ruined my credit. Instead of an income based payment, they demand a payment that is always much higher than I have left over from paying bills ( bills=food, rent, electric, water, gas, medical ). Also, they claim that they are only charging me 1 % interest while on the repayment program but my balance never goes down. Also, Navient uses scare tactics to threaten you into accepting their final offer for a lower payment that I really ca n't afford to pay. In order to make payments to them I have to put food and gas and utility bills on my credit card and I am forced to always pay my bills late because I feel forces to agree to pay Navients high pay back plan. Navient also reported me XXXX late to the credit bureau before I was 90 days late. In fact my last payment to them was on auto-pay that they took out on XXXX/XXXX/16 and then on XXXX/XXXX/16 ( five days later ) they reported me as late. I found a house to buy not long ago, and the mortgage would have been less than I was paying for rent ( a lot less ) and I could not buy it because of my Navient school loans. The house cost XXXX and the lender told me if it was not for my student loans that I could have bought the house. I am providing for my wife, XXXX daughters and my Mom. My Mom is dealing with a lot of health issues. My income provides for a family of XXXX. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to obtain online credit report from XXXX in XX/XX/XXXX. Had issues with the annualcreditreport.com site and was unable to login. Made calls in XXXX in an attempt to resolve. Odd thing is all numbers seem to be connected with TransUnion. Had no success and abandoned until this summer. 

Tried to access in XXXX, with no results. Tried again on XX/XX/XXXX with no success. Called support number for annualcreditreport number and again, appeared to be a TransUnion number. Spent over an hour making phone calls with no success, all TransUnion numbers. Finally decided to call the automated line and requested reports from 3 reporting agencies. Received XXXX and XXXX reports within 10 days. 
TransUnion was the ONLY one not to mail my report. 

On XX/XX/XXXX I created login in to TransUnion site : service.transunion.com and when attempted to access report or submit dispute request website stated " unable to completed online request ''. I spent 2 hours today, XX/XX/XXXX, calling the following TransUnion phone numbers, XXXX they told me that this was an online issue and had me call XXXX, who then told me that they could not assist but there must be some error that needs correcting on their end and to call XXXX who told me that they were unable to assist and redirected me to the XXXX number. 

I then searched the TransUnion site for support and called the following number XXXX, and talked to a man who persisted in recommending a password reset ( was not having login issues ) and several times he confirmed that I was on the service.transunion.com site before he finally disconnected the call with me after XXXX minutes. He wasn't rude, nor was I, but he was unhelpful. 

My complaint is that I I can not access my report or correct any inaccuracies. TransUnion is the only reporting agency that has made it impossible for me to access and monitor my credit health. What makes it worse is that they are the primary reporting agency that so many use when lending.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 28 unauthorize inquires on my Experian that I didn't not authorize.I have contacted the individual companies and the problem still haven't be solve. 

XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX /XXXX  for XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I recently found out that apparently I have either become a victim or identity theft or my file has merged with someone else or both. I have come to realize multiple concerns with regard to my report with Transunion. First off, my file shows multiple names that are not mine nor that close to mine. here are some of the variances ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX to which none are mine. I have also found that the majority of accounts, collections and inquiries that are reporting with Transunion are related to multiple addresses that I have never lived, for example XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX, XXXX, XXXX just to name a few. 

Over the past couple of weeks I have called a total of four times, tried to dispute over the phone and online to no avail. I have also tried a total of XXXX times to upload my ID and bank statement for verification purposes and even faxed on 3 different occasions this past week also to no avail. I keep getting told that they never receive my documentation which makes it impossible to dispute erroneous information without anyone being able to verify my identity. 

At this juncture, I have quite a number of concerns ranging from personal contact information, tradelines, collections and inquiries that are in fact not mine yet are currently reporting under my si=ocial security number and date of birth. Additionally, I have a security freeze on my credit report ( unbenounced to me ) that also increases my inability to view, discuss and request changes to be made to my file. To date, I have had absolutely no traction with anyone in the Fraud or " Special Handeling '' departments that are willing to help me. I have already begun the process with the other reporting entities with some success. Where as I have yet to even be allowed to begin with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX Inquiry Date : XXXX XXXX Please remove this collection account from my credit report. I have never heard of this company nor have I ever done business with them. 

Creditor : XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report. This account is reporting incorrectly. 

Creditor : XXXX XXXX XXXX Inquiry Date : XXXX XXXX Please remove this account from my credit report I am not aware of this Creditor : XXXX XXXX XXXX  Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XXXX XXXX Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2022 Please remove this account from my credit report. I am not aware of this, the company made an mistake Creditor : XXXX Inquiry Date : XX/XX/2022 2022
Product: Debt collection

XXXX is reporting 3 account on my credit report that is not mine
Product: Payday loan, title loan, or personal loan

I was denied an apple credit card on the date of XX/XX/XXXX through the bank Goldman Sachs which is extremely inconvenient due to the fact I am the original creditor pursuant to 15 U.S.C. 1692a ( 4 ). I know that it is unlawful for alleged creditors to discriminate to consumers in the midst of a credit transaction pursuant to 15 U.S.C. 1691 ( a ). I am aware of the duties of the bank taking adverse action, the XXXX was unable to provide me with specific information regarding why the adverse action was taken.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

i had approx XXXX on my social security Direct Express Card. I tried to pay for a meal and it ws declined. I got home and called. she asked for my address ... ... XXXX have had this cad since XXXX. I gave to her and she told me that ws not what they had. I said, well, my case was determined in a court of law at a hearing and they had all information. It ws so bad, I did not even have to wait for a letter. The judge granted me XXXX on the spot.So all these years, i had received this card for XXXX.when i turned XXXX, they said would just roll over. Now this. I have hd NO MONEY since XX/XX/XXXX and i have myself and XXXX starving pets in home. this woman from supposedly Direct Express says she is sending me new card. I got the card. I took on the paper and it had little sticky note to call. after XXXX hours on hold, i was told i could not activate the card as there was fraud on it. The card had not even been activated yet. Since XX/XX/XXXX, I have had no money and i have spent at least XXXX hours on hold. I called comerica and i quote, the woman said " we have nothing to do with the social security. all we do is proivde the plastic card. I am now aware of the law suit you created on XXXX, XXXX. My old card, that i had in my hand, that they declined. I am assuming they moved the XXXX into the new card ... ... which i also can not access as they marked fraud even though i never was able to activate card. I did go into ssa account and changed my deposit info to checking account. But have i just lost the XXXX and the XXXX that was supposed to be deposited this XXXX. I am thinking of starting a XXXX XXXX XXXX. I have no mone to get me thru to third week of XXXX. Are they working to get thee fund back to us or have i just lost XXXX at age XXXX. What is being done with this law suit and with this crooked company? XXXX income and husband is XXXX we can't make it. I need that social security. My husband is not well as is and no telling how long he will last doing manual labor at age XXXX