23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony bank division handling XXXX accounts has repeatedly delayed processing payments and then charged late fees. I believe this is a practice several costumers are facing and it is fraudulent. 
In XX/XX/2014 payments were scheduled through our online banking system to be made prior to the scheduled due date to Synchrongy. We have used our bank 's online payment system for years. We have never had a problem with scheduling our payments to be sent from our bank to another bank, even with our bank sending the payment via US Mail. Nevertheless, Synchrony was processing the payments in an extended time frame in comparison to other creditors. Late fees began. After calling Synchrony and having late fees refunded, upon their recommendation, I adjusted the payment date to an earlier date through my online banking to ensure timely processing. After XXXX months, the delayed processing by Synchrony and late fees have begun again. If I had not been watching for this behavior, I might not have known to do so. Certainly, there are others who are unaware of Synchrony 's fraudulent tactics to make money in late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Net Credit had a 2 ndloan installment that I owed them. In XX/XX/2020 I was on unemployment due to XXXX, suffered a XXXX XXXX in an auto accident and no longer able to keep up with my payments. I called them and told them as soon As I returned to work in XXXX I would clean up my past due. They agreed. In XXXX they offered me a settlement where I paid 60 percent I believe. They agreed to remove payment history. I paid the settlement as agreed in 3 payments. In XXXX I called and wrote that the payment history had not been removed. They sent me a refusal email back. I called repeatedly and finally they agreed to remove from 3 credit bureaus. 

The payment history was removed from XXXX, XXXX, but not XXXX. Also they left collect and derogatory comments in my XXXX. 

I have disputed repeatedly through XXXX and Net Credit. They sent me the same refusal letter again, stating nothing had ever been agreed upon, or removed from XXXX it XXXX. 

I sent them an email explaining that according to the Cares Act they were to remove all payment negative reporting history and comments. I was within the dates, had called, and fulfilled my agreement in good faith. No resoonse
Product: Credit card or prepaid card

I AM A US CITIZEN LIVING IN XXXX. I HAVE A CHECKING ACCOUNT WITH CITIZENS BANK OF PENNSYLVANIA, XXXX XXXX XXXX. I HAD A DEBIT CARD ASSOCIATED WITH ABOVE ACCOUNT THAT EXPIRED XX/XX/XXXX. PREVIOUSLY EXPIRED CARDS WERE REPLACED AUTOMATICALLY. THIS TIME NO CARD WAS FORTHCOMING. I HAVE CALLED SIX TIMES THE TWO XXXX NUMBERS PROVIDED TO DEMAND A REPLACEMENT. EACH TIME I WAS TOLD IT WOULD BE SENT ASAP. THE MOST RECENT TIME I WAS TOLD IT WOULD BE SENT XXXX. NO CARD HAS YET ARRIVED. MY LAST CALL WAS YESTERDAYXX/XX/XXXX. EACH TIME I TALK TO A DIFFERENT SERVICE PERSON TO WHOM I HAVE TO REPEAT A LITANY OF SECURITY INFORMATION AND RECOUNT THE PROBLEM IN DETAIL. EACH CALL HAS LASTED MORE THAN 30 MINUTES, SOME OVER AN HOUR, SOMETIMES BEING PUT ON HOLD INTERMINABLY TO CONSULT A SUPERVISOR. SPECIFICALLY THE PROBLEM REVOLVES AROUND THEIR NOT BEING ABLE OR WILLING TO VERIFY THAT A CARD HAS BEEN SENT AND NOT BEING ABLE TO GIVE ME A TRACKING NUMBER FROM XXXX WHICH I NEED TO CALL THE LOCAL OFFICE IN XXXX XXXX TO DETERMINE IF IT HAS ARRIVED. THEY TOLD ME THAT A CARD HAD BEEN SENT BUT RETURNED UNDELIVERABLE, BUT XXXX DENIES THIS. I ACCESS MY RETIREMENT INCOME PAID TO THE CITIZENS ACCOUNT USING THE DEBIT CARD. WITHOUT IT I CA N'T GET MY MONEY. I NEED THE CARD NOW OR SOON I WILL BE WITHOUT CASH AND DESTITUTE. THEY MUST, IF AND WHEN, THEY SEND THE CARD, GIVE ME A TRACKING NUMBER. WITHOUT IT THEY CAN GO ON OBFUSCATING ( SHOULD I SAY LYING? ) INDEFINITELY. THEY ( THE SERVICE AGENTS ) SAY THEY ARE NOT IN CONTACT WITH THE XXXX OFFICE AND HAVE NO WAY OF SENDING ME A TRACKING NUMBER ; LIKEWISE, THEY WO N'T TELL ME WHICH XXXX OFFICE WILL SEND THE CARD, WHERE IT IS LOCATED, AND WHAT ITS TELEPHONE NUMBER IS. FOR TWO MONTHS I HAVE BEEN CALLING IN VAIN. I NEED MONEY NOW. WHO CAN MAKE THIS BANK SEND ME MY CARD?
Product: Debt collection

THIS ACCOUNT WAS A RESULT OF IDENTITY THEFT DUE TO AN XXXX CREDIT BREECH .After submitted documents to sprint they continue to report this fraud account and sell it to collection agencies.
Product: Student loan

We have enrolled in auto payment XXXX and were told we were all set after trying to do it online. Also informed that auto payment would begin on XX/XX/XXXX and we were set for XXXX. 
Emails XXXX auto request approved through email XXXX were advised that changes had been made to account XXXX auto payment cancelled XXXX - account on autopay XXXX friendly reminder that payment was due even though account shows it was paid paid again for fear of credit repercussions XX/XX/XXXX confirmed payment XX/XX/XXXX once again request denied XX/XX/XXXX request denied again XXXX payment delinquent reminder XXXX change in loan status and reminder of payment due XX/XX/XXXX Charged for auto payments Accused of bad checks due to their processing errors. 

Had contacted Connecticut Attorney General in XXXX for help regarding so many inconsistencies, but suit was settled and they couldnt help us. 

Numerous phone call during the past week with different information being relayed each time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keep show a address where I never lived
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX AV XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$2900.00} ; XXXX, XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$320.00} ; XXXX  XXXX  Original creditor XXXX  XXXX Balance : {$100.00} ; XXXX  XXXX Balance : {$240.00} ; XXXX  XXXX Balance : {$160.00} ; XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$51.00} ; XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each items is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

My wife and I applied for a home equity loan with Royal United Mortgage , LLC. We provided all the information to pull our credit. I mentioned to the loan officer XXXX XXXX that I had a short sale on a home in Illinois. She mentioned Royal United Mortgage underwrites their own loans and they can do hings other lenders could not. The attached documents will show that a few hours after pulling both of our credit reports, an appraisal was ordered through XXXX and payment would have to be made by us as Royal United Mortgage did not pay for that part of the loan and all other associated costs would be rolled into the loan. We paid {$450.00}. The appraisal was done it satisfied us borrowing the amount we were set up for. Then the week we were supposed to close the loan, here comes the underwriting problems. The same information in my credit report before the order of the appraisal is now a stumbling block to closing the loan. A subsequent conditional approval is very confusing after appraisal is paid for but loan not closed. I am requesting the return of my appraisal fee {$450.00}. The company and it 's loan officers should not promise what they claim they can do that other lenders ca n't. It is as if they lead you on, get your dollars and skin involved then, " Oh we ca n't do anything ''. 
I do not need a {$450.00} appraisal of my property. I do need my {$450.00} returned.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This creditor 's account is not mines and I never had a account with this creditor so remove.
Product: Payday loan, title loan, personal loan, or advance loan

I filed an unemployment benefit through the XXXX XXXX XXXX XXXX I paid for at the onset of terms with a personal loan from One Main Financial. One Main Financial uses XXXX XXXX XXXX, a third party vendor, for the XXXX XXXX XXXX. I began my claim after unvoluntary employment, on XX/XX/XXXX. I have consistently provided ALL INFORMATION AND DOCUMENTATION for this benefit, including all re-employment activity through the State of Minnesota Work Force, all unemployment benefits issued to me and copies of job searches, interviews with companies and all outcomes from said interviews. One Main Financia and the XXXX XXXX XXXX have extremely poor communication. They have lied, misrepresented information and facts and they have reported me late for XXXX, XXXX. The payment from the credit insurance, have not paid as the contract states and have requested the same documents that were sent 4 times. This loan provider has used deceptive practices, lied, and caused me severe emotional distress due to reporting me as " late '' for XXXX. XXXX, thus lowering my credit score which affects my credit worthiness. I have spoken with managers, the credit insurance carrier and their resolution department and was told that they had suspended all actions on my account until this " problem '' with the credit insurance provider was remedied. This was a blatant lie and constitutes fraud, breach of contract, and violates consumer law and the XXXX amendment of " Due Process ''. This continued ordeal has cause severe emotional distress and several medical intervention emergency treatment.
Product: Mortgage

Since XXXX of XXXX I have repeatedly requested a loan modification from Mr. Cooper. Only for the process to be drug out and eventually be denied. This has happened multiple times. Every piece of documentation they have requested, I have submitted. It is now XXXX of XXXX and I was recently denied again. I have never spoken to the same employee twice, and I have had to submit the exact same document multiple times. My home is worth twice what I owe. My household annual income exceeds minimum DTI requirements. I only want to be granted a loan modification and be rid of the fear of losing my home. 

First Internal mod letter XX/XX/XXXX. Second internal mod letter XX/XX/XXXX. Third internal mod letter XX/XX/XXXX as well as XX/XX/XXXX. Loss Mitigation Denial letter XX/XX/XXXX. Loss mitigation correspondence XX/XX/XXXX. Internal mod letter XX/XX/XXXX. Internal Mod letter XX/XX/XXXX. Internal mod letter XX/XX/XXXX. Loss mitigation evaluation notice XX/XX/XXXX. Internal mod letter XX/XX/XXXX. XX/XX/XXXX Internal Mod letter. XX/XX/XXXX Loss mitigation evaluation notice.
Product: Credit card or prepaid card

There was a credit card for SYNCB/PAYPAL XX/XX/2022 inquiry that was reported on my transunion that I did not authorize. Please remove the inquiry as soon as possible.
Product: Debt collection

Received letter stating amount paid. However the next month I received a bill for {$3.00} next month it was {$4.00} and change I just received another one for {$5.00} and change. Is this legal.?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has done everything since suing me and having to withdraw it. I have no taxable income so they couldn't get any money out of me after I lost everything going into forced retirement. This is yet another violation. These two XXXX XXXX cards, one with a balance of {$8300.00} and another card with a balance of {$3400.00} are both charged off accounts. This is inaccurate reporting. Secondly, both are reporting as " open '' on my XXXX report and on my Myfico report. Both are violations of my rights.
Product: Money transfer, virtual currency, or money service

Maybe you're not understanding this but it is the law so when that child with adopted by another person I was not held accountable also there is the absent parent act where I've been out of child life for years so I demand that be to taking off immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 168 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account with out my written permission without my written consent. 

I've tried to dispute with them on my own and dispute results were just " consumer disagrees '' and nothing has changed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I recently received a copy of my (, Equifax, XXXX XXXX, ) credit report and I noticed some transactions posted on my credit report that is excluded by federal laws to my consumer reports ; Equifax, XXXX, XXXX, They reported my account as LATE in the month of XX/XX/2023 - XXXX - 60 days Names of the accounts : - - XXXX XXXX XXXX Account numbers : - XXXX Your company is in violation of the FCRA and Metro2 Compliance and reporting violation.

15 USC 1681 a ( d ) [ 2 ] ( A ) ( I ) ( 2 ) Exclusions. - except as provided in paragraph ( XXXX ) the term consumer report does not include - ( I ) report containing information solely as to transactions or experience between the consumer and the person making the report ; On XX/XX/2023 you reported transactions from XXXX XXXX XXXX, Account Number XXXX my consumer report. The above section 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) clearly states that transactions between the consumer and the person/corporation making the report is not included on the consumers report yet you are reporting this information to my consumers report! 

The reporting of excluded information pursuant 15 USC 1681a ( d ) [ 2 ] ( A ) ( I ) to a consumer report is clear violation of Metro2 Compliance!

Provide me with a Metro2 Compliance disclosure on reporting transactions to a consumer reporting agency.

I need the transactions reported as Late Payment on XX/XX/2023 DELETE it from my consumer reports effective immediately. 

Now before you think to reply with validated. let 's be clear I am not asking you to validate or verify anything so don't respond telling me that to waste my time. 


Further more 15 USC 1666b ( a ) ( A ) Time to make a payments - a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I need the above transactions deleted from my consumer reports! 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1. Validate Account XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. Validate Account XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX, XXXX XXXX, VT XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME NAME : XXXX XXXX XXXX Requested Correction XXXX please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX VT XXXX
Product: Credit reporting or other personal consumer reports

Transunion constantly keep sending me stall letters. Each time I send them an investigation letter along with a copy of my social security card and current drivers license. Even after filing a complaint they are now telling me to provide more proof that its me when I never had this problem before but instead of them investigating the error on my credit report for this XXXX XXXX XXXX XXXX XXXXXXXX. 

they keep sending me letters saying it is not me which is really stressing me out because not only am I spending money on stamps but I am stressing because my credit report is reporting inaccurate and I was also denied credit because of the error I am asking them to investigate.
Product: Debt collection

American Credit Acceptance continues to call after I have told them repeatedly as well as sent them court documentation ( from divorce ) showing that this debt is the responsibility of my exwife and not myself. There have been 3 phone calls today alone one at XXXX CST one at XXXX CST and one at XXXX CST. When asked to speak to their legal department they have stated " this is not a legal issue ''. They have also stated prior that there is no legal department contact number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Monday, XX/XX/2022 I attempted to access my Experian online account using my username and password. I was unable to sign in and even after repeated calls and going through their systems requirements to reset username and password wasnt able to get anywhere. In fact there was no way I could access a real live person to give me help. It was a continual loop which took me back to the same place time after time. They send me regular emails so I know I am a client of theirs. It is extremely frustrating. 

At this point I am without any options at all either online or via the phone. It appears they are making it as difficult as possible to get in touch with them. I am not willing to write a letter to get access to my account online. I need someone to call me and fix this problem in a professional manner.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX , XXXX XXXX, XXXX XX/XX/XXXXXXXX, XXXX EXPERIAN XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX UNAUTHORIZED COLLECTION , XXXX XX/XX/XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX I looked at my Experian , XXXX & XXXX credit report on XX/XX/scrub>/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.