23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022, I purchased new hearing XXXX from XXXX XXXX for {$5300.00}. At that time they opened up a new credit account for me with Care Credit ( through Synchrony Bank ) a program that specialized in medical issues and one that I have used before for XXXX surgical bills for our dog. A special program was used to allow 0 % interest over a one-year period of time. I received initial account set-up emails from Synchrony Bank XXXX including their caveat that paying the minimum amount due per month would not pay off the total balance before the end of the one-year 0 % interest period. Throughout XX/XX/2022 and into XXXX, I logged onto Synchrony 's website at least once per week to review my statement ( s ) and process a payment. As recently as XX/XX/XXXX, I logged onto the site and read that no statement was available, that my balance was {$0.00}, and that my available credit was still {$5400.00}. I was also prohibited from making a payment in the absence of a statement. During a follow-up appointment with XXXX XXXX ( on XX/XX/XXXX ), I commented about the absence of statements and inquired as to whether XXXX XXXX had processed my billing. On Monday, XX/XX/XXXX, I reached a representative at Synchrony Bank and was informed that a statement was processed on XX/XX/XXXX, with payment due on XX/XX/XXXX. Since I was never sent a statement, I was unaware of this " supposed '' event, missed the due date, was charged a late fee, have unintentionally violated the 0 % provisions of my contract, and have suffered damage to my otherwise impeccable credit rating. Deplorable is the only available word to describe the performance of Synchrony Bank. I have paid the complete initial charge ( {$5300.00} ) and have requested that the late fee and any interest be removed from the account. I am awaiting their actions but wish CFPB interaction regarding Synchrony 's information practices and investigate how often such " mis-communications and lost statement '' occur.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER 15 usc 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. NOW IM CEASEING AND DESISTING The ALLEGED DEBT. UNDER FEDERAL LAW 15 USC 1692c.
Product: Vehicle loan or lease

The leased car was returned on XX/XX/XXXX. The monthly lease payment of {$320.00} for that XXXX was paid on XX/XX/XXXX. Kia Motors Finance sent me a letter dated XX/XX/XXXX itemizing XXXX charges that totaled {$850.00} that XXXX said i owe them. Those charges were grossly inaccurate. 

Three of the charges were proven incorrect and XXXX eliminated them. The lease disposition fee of {$400.00} was agreed to. However, the final payment for the month of XXXX remains in dispute. 

XXXX is saying i did not make this payment. So, they want to add {$130.00} for the 11 days in XXXX that i had the car to the {$400.00} disposition fee and say i still owe them {$530.00} XXXX rounding error ). That is NOT TRUE and i sent XXXX a pdf schedule downloaded from my bank XXXX XXXX XXXXXXXX XXXX  XXXX that proves i made the payment. 

Since i made that payment, XXXX in fact owes me a credit of {$190.00} XXXX XXXX - XXXX ) for XX/XX/XXXX. 

Therefor, the final lease end payment should be net {$200.00} XXXX XXXX - XXXX )
Product: Debt collection

Medical Data Systems ( XXXX ) has created frequent and damaging reports on my credit report. While I admit that these charges are valid they have made frequent derogatory accounts on my credit report which has severely damaged my credit. 
The first derogatory report was on XX/XX/2021 for {$3800.00}. 
The second derogatory report was on XX/XX/2021 for {$8500.00}. 
The third derogatory report was on XX/XX/2021 for {$260.00}. 
The fourth derogatory report was on XX/XX/2021 for {$3500.00}. 
The fifth derogatory report was on XX/XX/2021 for {$220.00}. 
The sixth derogatory report was on XX/XX/2021 for {$540.00}. 
The seventh derogatory report was on XX/XX/2021 for {$3500.00}. 
The eighth derogatory report was on XX/XX/2021 for {$220.00}. 
The ninth derogatory report was on XX/XX/2021 for {$540.00}.
Product: Credit reporting or other personal consumer reports

I have submitted disputes with Transunion about accounts that do not belong to me and yet they have failed to provide evidence or information that the accounts belong to me. I have made several attempts and asked for proof and validation as required by law. Transunion has failed to investigate and provide proof that the information being reported is true and accurate. Below are the accounts that I have disputed and they have failed to correct and remove from the reports to include a Medical Collection that does not belong to me. 

XXXX XXXX XXXX. acct. # XXXX This account was paid in full and being reported as a charge off. However, this account was not mine and it was a result of identity theft. 
XXXXXXXX XXXX acct. # XXXX This was a result of identity theft and it was not investigated and still being reported as a charge off and reporting monthly. 
XXXX XXXX acct. # XXXX This account is being reported as a charge off with a balance which is not correct. The balance is {$0.00} and they have not provided verification and being reported inaccurately. 
Tbom/confin acct. # XXXX being reported as a charge off with a balance when it should be {$0.00} balance and have not corrected and have not provided validation. 
XXXX acct. # XXXX XXXX XXXX acct. # XXXX XXXX reported as charge off with balance should be {$0.00} Balance and have not provided validation. 
XXXX XXXX acct. # XXXX This account is being paid monthly at a rate of $ XXXX monthly and is not late. 
Receivables XXXX XXXX acct. # XXXX This account is a medical collection which does not belong to me. Time and again I have disputed this with XXXX and they have failed to investigate and provide proof that this belongs to me. Further more I have never received treatment at the said facility. 
XXXX XXXX XXXX # XXXX I have disputed this with them multiple times and again they have failed to investigate and provide proof. 

I look forward to your intervention with this reporting agency and appreciate your help in getting involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$8800.00} XXXX XXXX Balance : {$8600.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$3600.00} XXXX Balance : {$7400.00} XXXX XXXX Balance : {$5700.00} XXXX Balance : {$8400.00} XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$0.00}
Product: Credit card

On Sunday, XXXX XXXX, I tried to make an online purchase of XXXX plane tickets from XXXX to XXXX XXXX over XXXX. My card was declined. I called the company, gave them the information they requested, they said the matter had been solved. I waited an hour, then tried to purchase the tickets again -- it was declined. I called the company again on Sunday. The fraud representative said to fax the front and back copy of my driver 's license along with a copy of the front of the card to the fraud phone line. I did that on Monday, XXXX XXXX. They said to wait XXXX hours. I tried to purchase the tickets again on XXXX XXXX XXXX. The card was declined. I called the fraud dept. They said to wait XXXX hours. I tried to use my card on XXXX XXXX XXXX. Declined. I called the fraud dept. They said they didn't get the fax. I had a copy from the school verifying that it was sent. Now we are at XXXX hrs. -- -still a problem. I will be sending the information they asked for in a certified letter to them, but I would appreciate it if you called them as well to get their act together. Thank you so much. 
XXXX
Product: Mortgage

XXXX Bank XXXX XXXX XXXX filed suit against me I have been sending letters registered mail with return receipts for them to validate the XXXX & XXXX proof of claim that they say I owe with no response.They set the sale date for XXXX XXXX and next week XXXX XXXX a hearing is set with the court to grant the bank writ of XXXX.They have been ignoring every letter sent with no response. The total amount they say owed is $ XXXX.The Loan Servicing Company XXXX.
Product: Credit reporting or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from it. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$3400.00}
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 XXXXXXXX, ( Original Creditor : ) XXXX, 15 U.S.SC 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: Debt collection

I moved out of my old apartment almost a year ago and was told by them that I was paid in full. About six months ago I started to get harassing phone calls everyday while I was at work as well as constant voicemails. Around a month ago one of the collectors got rude with me and proceeded to yell at me before I hung up. Ive tried to contact the apartment complex on multiple occasions for months now. Just now succeeding a few weeks ago.
Product: Credit reporting or other personal consumer reports

I just got my credit report and some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ). You also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under XXXX XXXX XXXX which is civil liability for willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW UNDER THE FEDERAL CREDIT REPORTING ACT! 
NOTICE TO AGENT IS NOTICE TO PRINCIPAL. NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 



To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be on there. I demand the account be deleted from my consumer report. 
Mariner Finance {$2200.00} xxxxxxxx XXXX You are furnishing inaccurate and incorrect information on my consumer report. The reporting of such information has caused severe damage to my reputation, general mode of living and my ability to obtain credit for personal or household uses. You and your inaccurate reporting have damaged my livelihood. 



I have recently come across information from the Federal trade Commission ( FTC ) more specifically the GrammLeachBliley Act 15 usc 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

( Mariner Finance ) did not disclose this information to me that is required by federal law.

( Mariner Finance ) knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unaffiliated third parties.

( Mariner Finance ) knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.

You are in violation of federal law you have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my Consumer reports that this information is on. LEGAL ACTION WILL BE TAKEN IF THE ACCOUNT IS NOT REMOVED AS MARINER FINANCE HAS BEEN PUT ON NOTICE FOR VIOLATING FEDERAL LAW.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts I have made to correct an account opening date on my credit report with 3 Credit Bureaus. The incorrect account opening date has resulted in inaccurate reporting that has negatively impacted my credit score.

I first reported the issue and have subsequently made attempts to resolve the issue, providing the necessary supporting evidence and documentation to support my claim. Each time, I received a confirmation of the receipt of my dispute but saw no concrete action to rectify the inaccuracies. 

I believe that a prompt correction of this late-open account is essential to ensure the accuracy of my credit report. I kindly request a thorough and immediate investigation into this matter to correct the reported account opening date. Furthermore, I insist on a written response outlining the steps taken, the results of the investigation, and a clear plan for the correction within the legally required timeframe. 

I expect that Credit Bureaus values accuracy and fairness in its credit reporting practices and is committed to ensuring the integrity of my credit report. 

I would appreciate a prompt response to this complaint. I am asking for your immediate assistance to correct the account immediately : XXXX XXXX XXXX XXXX Balance : {$4600.00}.
Product: Student loan

I have trying to get a hold of customer service for days.. I am on hold for hours every time and when the call finally gets picked up by a rep, my call is thrown directly into their survey automated system and I have to recall the company again. 

At one point, I heard the actual agent sleeping/snoring when she answered the call.. I heard her moving around and then must have realized she was on a live line.. so she threw my call into the automated survey option. I have the call recorded.. All I want and need is some guidance on my account while Im going through a consolidation This is my first and only student loan for my child and this has been a nightmare so far..
Product: Credit reporting, credit repair services, or other personal consumer reports

The company I work for deals with XXXX XXXX and back in XX/XX/2019. As you know, there was a shut down in the government and no one was getting paid. I notified TD Card services ( TD Bank ) of the situation and that I was in the process of buying a home. I also asked them to please work with me so I would not have 30 days late on my credit report. I have been with them for almost 4 years and has never been 30 days late. I explain the situation to them, they still reported to the credit bureau as late. I as them to please can they remove the one and only time I was late they still said no. Since then the account is paid in full and I have asked for it to be removed from all three credit report. They have not complied. please help me, it is hendering me from optaining a mortage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed a XXXX XXXX Bankruptcy dismissed with Transunion on XX/XX/2021 and XX/XX/2021 file # XXXX and in response Transunion 's response to my dispute they verified the item as accurate, stating that they have verified the information with the court. I contacted the court, and their response is attached. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the item with the court was either an error or a lie. 

Based a phone call with Transunion, they stated that they use XXXX as a third party data furnisher. XXXX stated that they have removed the the bankruptcy. That document is attached. 

Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C 1681 ) and the information must be deleted immediately.

My Rights Under the Fair Credit Reporting Act state that Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Product: Student loan

I have a fraudulent that I am the alleged co-signer of. The requested amount id XXXX for one and the other is for XXXX. These loans have conflicting information. The D.O.B. does not match and neither does the signatures. None of the information was verified by the school or loan servicing department. The school was XXXX XXXX XXXX in XXXX which is closed down now. This information is not in my writing. The main issue is that this paper work is clearly fraudulent and they are acting like they need more proof. I've been victimized and Navient is continuing the abuse by honoring obvious fraud that should have never went through the system to begin with. I could not select the proper XXXX XXXX XXXX because I didn't have that option but it happened in XXXX.
Product: Credit card or prepaid card

The company said on the phone I would become platinum instantly. I expect to become platinum instantly if that is what I was told. They mis advertised their product/credit card. Yes these are 2 different companies but they are promising platinum instantly in order to phish you into getting their credit card.
Product: Debt collection

On XX/XX/XXXX I made a purchase at XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, IN. In the process of checking out the sales clerk was having a problem getting our check out complete. We were paying by check # XXXX. The clerk couldn't complete the transaction on his machine and flipped us over to another. He completed transaction on machine # 2. Little did we know that XXXX double dipped on same check causing one to be returned. We received no phone calls from XXXX notifying us of any problem. Only to go the mailbox and find a notice from a collection agency. My wife went to the store with the letter and copy of check showing deposit in their bank. She wasn't given XXXX number in AZ. to call. She calls that number and they have no record of us making a purchase. Which when we made purchase we used our XXXX rewards card. So know we are told we have to call XXXX XXXX XXXX as they are the owner of our check. My complaint is we were notified of situation and having to do a lot of unnecessary paperwork. Then to compound matters I went to XXXX in XXXX XXXX to make a purchase. Their system is connected to XXXX and declined our payment, which was major embarrassment to my self. This whole matter could have been easily rectified if XXXX would have contacted us either by mail or by leaving a message on our answering machine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do no provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the cfpb to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.
Product: Student loan

I was scheduled to close on buying my first home in XX/XX/XXXX. XXXX found a defaulted student loan I was unaware of, and I am unable to purchase the home. I spoke with my loan servicer at that time who informed me that they had been sending letters and calling. I had not received any of these. I verified the mailing address. They had on record a Florida address. I live in XXXX. They had a XXXX phone number ; I am in XXXX. I was told the information was changed via phone. In XX/XX/XXXX, I notice a XXXX XXXX XXXX XXXXXXXX XXXX my credit report. My wife does a change of address request through USPS which confirms it did exist. This was the same address who was on my student loans. I requested my information from the student loan servicer and am sent somewhat helpful information which I lost while moving. I attempted to request a copy of the same information and am getting the runaround. I have called every company related to my loans, but they all tell me they sent my records with the consolidation. This happens with XXXX servicers. Finally, I talk to someone who reports to me that at that moment my address in their computers was the XXXX  address still. I ask them to leave the address as it is and request the documents and it seems as though this lady understood but I did not receive my documents. She told me to call Navient. So, I call Navient and request the records and I am denied. I find an email address to request records, and I am told I need a subpoena to receive a copy of my own personal records. I am working on obtaining a subpoena but do not feel like I should have to since I have received the information before and am only requesting a copy of that same information and it is for my own personal records.
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to account number XXXX from XXXX XXXX XXXX XXXX on my personal credit report. 

Please advise me as to the name and address of the medical provider, the date and type of service, and to whom the service was provided. I am further requesting the name of the person providing this data, and the manner in which it was provided, in order that I may pursue additional remedies.