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

I file complain agaist the following company : LoanCare Attn : Credit Bureau Dispute XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX In the past two months we have wrote to the above company three times to ask to remove the XXXX status from our credit report, relating to the 30-day late payment in XX/XX/year>. The XXXX status is blocking my and my familys ability to be able to be approved for any other loans, which is why Im making this request. 
We had scheduled automatic payments from our bank XXXX to Loancare and I also submitted the XXXX statement to prove that XXXX made the XX/XX/year> payment to loancare. 
We have over XXXX mortgage and car loans, we do schedule auto payments with XXXX for all the payments. Loancare is the only company giving us problems and demage our credit. There could be communication errors. We did not realize there was an issue with a late payment until I had a loan application suddenly declined around XX/XX/year>. 
To eliminate any other such issues happen again we have scheduled automatic payment directly through Loancare system.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$110.00}
Product: Checking or savings account

Chase detected fraud actions in my checking account via my debit card. 

Over {$1000.00} has been stolen from my account via fraudulent action. I contacted Chase and opened many claims regarding all the unauthorized charges. Chase told me is going to take over 10 business days for me to get a refund. In the meantime, I have bills to pay. 

As a consumer, I feel violated, because Chase should have protected my account- it is not my fault that someone was able to clone my card and fraudulently use it. 

The fact that I need to wait 10 BUSINESS days to get my cash back is absurd. It's like rewarding the culprit and punishing the client. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a new auto insurance policy through XXXX XXXX XXXX for a new car I purchased on XXXX XXXX, 2017. XXXX XXXX XXXX has turned me down for a new policy because there are six entries that are erroneously linked to me on my Auto Claim History Results report from LexisNexis Consumer Center. This information has not allowed me to obtain auto insurance for a vehicle I have just purchased. I have sent LexisNexis many documents that proves that I am me and that I do not own more than one car. Six cars are on this report that are not mine! 

Could you please help?
Product: Credit card or prepaid card

Synchrony Bank is cheating customers. I agreed to an 18-month interest free credit card with the first payment due on XX/XX/XXXX. XXXX would be my final interest free payment. 
At XXXX XXXX  on Saturday XX/XX/XXXX I received an email stating I owed {$5200.00} of interest! It was not disclosed to me that the interest from day one would be applied on the total balance NOT the balance due. 

I intended to pay my balance of {$2400.00} on XX/XX/XXXX. I could not get into my account. On Saturday XX/XX/XXXX I could still not get into the account. I tried changing the password and the software kept indicating that they could not find my user-name. I telephoned and was able to make a payment of {$2500.00} and verfiy that I had the correct user name. The following day the morning XX/XX/XXXX I had no problem logging into the account. The user-name and password worked just fine on my first attempt. I have a screenshot of the software not permitting me into the account. 

They intentionally blocked me from making the payment so they could collect {$5200.00} of interest. The fact that I would owe interest on the full amount originally charged was never disclosed to me. The salesman repeatedly said it was interest free for 18 months. The most a consumer would expect is interest on their balance due. 

Synchrony Bank has closed my account and ignored me otherwise. They send automated bills for the interest due. I sent them a letter on XX/XX/XXXX. 

Please investigate Synchrony Bank Promotional Programs. This was deceitful, misleading and malicious. Their attempt to block me from paying is unconceivable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts 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 an account without my written instructions. 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance : {$2900.00} 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 SC XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX Balance XXXX {$2900.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened my Suncoast accounts XX/XX/2023. I was promised a {$100.00} digital card for opening my account as seen here : XXXX XXXX XXXX I called Suncoast on XX/XX/2023 and spoke with XXXX, one of the team leads, who checked my account and he confirmed to me that I would receive the promised {$100.00} bonus. 

I patiently waited and after several back and forth messages with Suncoast, I never heard anything back. 

I would like to be paid the {$100.00} bonus which was the initial reason for joining. It was in their marketing and advertising complaint that convinced me to open the accounts.
Product: Student loan

I was placed in forbearance due to being part of the Borrower 's Defense program however I elected not to be in forbearance. Student loan repayments were to start this month and I am on PSLF and need to be making payments. On XX/XX/23 I spent 1 hour and 34 minutes on hold with MOHELA to speak to representative who informed me that I was going to be removed from forbearance and my first payment would be on XX/XX/23. As of now I am still not removed from forbearance and there are no scheduled payments. This affects my PSLF. I also do not have hours to continue to wait on hold to try and have this removed, again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  opened a collections account for {$XXXX} to my account and reported it to XXXX, Equifax, and XXXX on XX/XX/2022. The original creditor is shown as XXXX XXXX XXXX. I have no knowledge of this account as I have no purchase any services or good from XXXX in the last 10 years. 

I disputed this negative account on XXXX XXXX to XXXX and Equifax on XX/XX/XXXX but they will not remove it from my account. Only XXXX has successfully removed this from my account. THIS IS NOT MY ACCOUNT AND NEEDS TO BE REMOVED FROM MY CREDIT REPORTS!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : investigate Late Payment Dear Equifax, Please investigate this Late Payment Error referencing the Account name XXXX XXXX Account # XXXX. Per USC 1666B, A Creditor may not treat a payment on a credit card account on an open-ended consumer credit plan. Please provide a verification method without using the E-Oscar system, starting with the name of the individual who worked on the dispute, date, and time. List every third-party resource used to help with the verification process. These inaccuracies have affected my creditworthiness. If you can't provide this, please make the necessary corrections to my consumer report with NO DATA or Current. 


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

I am writing to file a complaint against TransUnion for their failure to properly address my dispute regarding inaccurate items on my credit report. 
On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX ) requesting an investigation into inaccurate items on my report. Additionally, I disputed incorrect personal information listed on my credit report. To help TransUnion verify my identity and address, I included a copy of my photo ID, social security card, and a recent bill with my current address. 
I received a response back from TransUnion dated XX/XX/year>, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the FCRA. 
I am including a copy of my dispute letter sent to TransUnion, USPS certified mail proof of delivery, along with TransUnions response as proof.
Product: Credit card or prepaid card

XXXX account number XXXX. I did purchase 2 gift cards for total of {$1000.00}. They were not loaded and the merchant refused to take them back. Chase " resolved '' my dispute by stating since I did purchase the gift cards I must pay for them. Buy if they do n't have any funds, whats the point to purchase gift cards??? XXXX XXXX
Product: Credit reporting or other personal consumer reports

I received a letter from TransUnion yesterday with Complaint ID : XXXX as their response to the Office of the Attorney General of XXXX, XXXX XXXX. The letter stated that my negative reporting from XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX  XXXX was deleted as a result of the investigations. However, TransUnion lied. I just checked my credit report, and only XXXX XXXX  XXXX and XXXX XXXX were deleted, but not XXXX XXXX XXXX  XXXX. This company is deceiving the Office of the Attorney General by manipulating them into believing that they deleted all the negative reports as stated. This is not true at all. XXXX XXXX XXXX  XXXX must be deleted as well, ASAP. This company is operating an unsafe business and harming consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are late payments reported by XXXX XXXX XXXX XXXX XXXX  during Covid 19 pandemic.. according to the CARE ACT and The Hero Act Section XXXX creditors and credit reporting agencies are not authorized to report adverse information to consumers credit files during the covid 19 pandemic.. we are still in a pandemic and the days reported late was during the pandemic and therefore is unlawful. I demand XXXX XXXX XXXX XXXX XXXX Remove all adverse information reported during covid 19 pandemic.
Product: Consumer Loan

While buying a used vehicle for about {$8500.00} with a {$500.00} trade in and no money down the dealer came up with a contract financing with Westlake financial services. After they took my old vehicle and fixing a few thing on my new XXXX the salesman has me sign the financial paperwork that I agreed to as far as 9.9 % interest rate. As I looked through the paperwork I see a {$1500.00} banking fee added on to the loan total which ended up around {$12000.00}. I asked the salesman what it was and he answered it was normal. I did not like it at the time but I was in a position where it was to late to back out of the deal. So I signed. As I thought about it that banking fee seemed like a crooked way for a bank to not only get more money out of me and charge me interest in top of it. This deal took place in the spring of XXXX. I have since traded that vehicle for a different better vehicle in XXXX at a different dealership and asked them if they ever heard of a banking fee like that and their answer was it did n't sound legal to them either.
Product: Credit card or prepaid card

On XX/XX/2022 someone transfer XXXX out of my debit card into XXXX XXXX XXXX XXXX XXXX. I found out about this XX/XX/2022, I called the debit card company and they advised me to file dispute and I did and faxed them the paperwork. They told me they have an investigation team that will be handling the dispute and it will take up to 45 or 90 days for the dispute team to reach a decision.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Today I was charged an overdraft fee of {$36.00}. Prior to the overdraft my account had {$170.00} after I received a direct deposit and the negative balance was paid. I withdrew {$160.00} from the ATM and was told that this withdrawal caused the overdraft fee, however my account was not in the negative at the time or even today before the fee was applied. In addition to this I was told conflicting information that the fee was due to a transaction from XXXX that went through on XX/XX/XXXX when at that time it was also in the positive. I spoke to a representative and even requested a supervisor to look at my account and reverse the fee but they both affirmed that the fee was not a bank error even though their records cant justify why the fee was charged. 
Lastly I had verbally opted out of overdraft protection a month ago when I spoke to a customer service rep, when I was made aware of their fees and process yet this was not done and they continued to process transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CFPB Subject : Formal Dispute and Notice of Civil Liability for Non-Compliance and Negligence Under 15 U.S.C. 1681o Dear CFPB, I am writing to formally dispute inaccurate information in my credit report and to notify you of your potential civil liability for non-compliance and negligence under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681o. 

According to the FCRA, consumer reporting agencies and data furnishers are required to ensure the accuracy and proper investigation of consumer disputes. Despite my prior attempts to rectify inaccuracies, you have failed to take the necessary corrective actions, thereby violating my rights under the law. 

The inaccurate information in question includes XXXX XXXX XXXX XXXX XXXX Ad Astra recovery service Your continued failure to properly investigate, correct, or delete inaccurate, misleading, or unverifiable information constitutes negligence under 15 U.S.C. 1681o. Under this provision, any person who negligently fails to comply with FCRA requirements is liable for actual damages sustained by the consumer, as well as court costs and attorneys fees. 

To resolve this matter, I demand the following actions be taken immediately : A thorough reinvestigation of the disputed item ( s ), with written confirmation of the results. 
Immediate removal or correction of the inaccurate information.

A written statement confirming compliance with my request and a copy of my updated credit report.

If this issue is not resolved within the timeframe required by law, I will have no choice but to pursue legal remedies, including seeking monetary damages as allowed under 15 U.S.C. 1681o. 

Please consider this letter as my final attempt to resolve this matter amicably. If I do not receive a satisfactory response within [ 30 days or the appropriate legal timeframe ], I will take further action as necessary to protect my rights. 

I request that all future correspondence regarding this dispute be in writing. You may send your response to the address provided above. 

Sincerely, XXXX XXXX
Product: Student loan

I was a student XXXX. I am waiting for my XXXX degree. I am currently working XXXX - I do n't have a full time job and have been trying to make my payments on the private loan to Sallie Mae - I can not afford {$1100.00} per month. My parents also can not afford this amount. I am supposed to be paying rent to my parents, which they have waived and they also have been helping as much as they can since they are cosignors. I have asked several times to make payments based on my income and have been told No by Sallie Mae. Until I can get a full time job, I can not afford the payments they are asking for. I will end up having to go out of my XXXX field if I can not get a full time job and I do not want to do that. I just need help until I can get on my feet. My debt is over {$100000.00}.
Product: Consumer Loan

We purchased a car from a Bank of America account holder on XXXX XXXX, 2015. A BOA notary notarized the bill of sale and we paid off the loan. To date, we nor the seller have received the lien release from BOA. We are being told that the document is in the mail. It has been over a week and we have not been able to get the car titled in our name. They have our money, but are keeping us from using the car because we can not get it titled, registered and licensed in our name. This should not be happening in this day and age of technology.
Product: Credit reporting or other personal consumer reports

This company put in Put inaccurate information On my request report, the balance is wrong. I paid it off. Please remove this from my credit for file. This information is in accurate.
Product: Credit card or prepaid card

XXXX XXXX Complaint for CitiBank, NA, Office of the President, XXXX XXXX XXXX, XXXX XXXX, SD XXXX I sent letter On XXXX XXXX, to CitiBank, NA, Office of the President, In reference to account number XXXX, account ending in XXXX CitiBank, NA, Office of the President, as issuer of account failed to send proof .and failed to send proof of investigation and Lapsed 90 days, account unverifiable CitiBank XXXX NA, is responsible for account ending in XXXX, as issuer of account .not any other party Because CitiBank, NA issued account number XXXX, itself. 
Not a third party. 

This account is not mines .I have never been their client. 

CitiBank, NA failed to send strict proof of account investigation after 90 days period CitiBank, NA failed to send strict proof of account ending in XXXX Therefore Im requesting a letter of account close.

CitiBank, NA account ending in XXXX, is an error. 

CitiBank, NA is inconsistent Please find enclose documents sent on XXXX XXXX to CitiBank, NA, Office of the President. never answer Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 I spoke with a XXXX XXXX Supervisor in the Loan department regarding how my checking line of credit was being report to Transunion, XXXX, and XXXX credit agencies. The XXXX said the issue would be escalated and that someone would e-message me or contact me regarding an answer to my concern. I never contacted regarding my concern, so today XX/XX/23, I called XXXX and spoke with a Supervisor in the same department regarding the same issue. The Supervisor informed me the loan was special, and that it was being reported as a revolving account because the account does not have an expiration date. I informed him whether the account is a revolving account or an installment account credit reporting agencies should not be able to access real time balances regarding this particular account or any other account for that matter. I informed him that the practice seems unfair and possibly illegal. Review illustrations of the e-promissary loan agreement from XXXX, my XXXX checking line of credit reports, and the checking line of credit statement ( XXXX of each month ) documents for proof.
Product: Credit card

I had a business credit card with XXXX XXXX with a limit of XXXX after a few months, I had a balance of $ XXXX was due XX/XX/XXXX, XXXX days later they reduced my limit from XXXX to XXXX for no reason.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect this corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections. 

Please provide me with a written response acknowledging the receipt of this dispute letter and informing me of the actions you will take to rectify the inaccuracies on my credit report. I also request a free copy of my updated credit report once the corrections have been made.