23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have applied for Care Credit which is a credit card meant to help consumers pay for medical bills. I got approved for Care Credit on XX/XX/2018. Care Credit is by SYNCHRONY. I am using XXXX XXXX  to monitor my credit score and when I applied for Care Credit, I received a notification that my credit score went down due to a hard inquiry. I did not check details as I knew it was due to me being approved for a {$5000.00} credit limit by CARE CREDIT. 

Today is XX/XX/2018 and just a few minutes ago, I am SHOCKED that XXXX XXXX reported that my credit score went down again. I checked what may have caused this and now it shows I have 2 HARD INQUIRIES from XX/XX/XXXX ( by something called SYNCB ) and XX/XX/XXXX ( by SYNCHRONY ). I have checked XXXX XXXX FAQs and found out that SYNCB does not even exist and it is an issue consumers encounter when applying for/getting approved for CARE CREDIT.

I am seeking help to REMOVE SYNCB 's hard inquiry. It shows as " SYNCB ''  and it says it's " NATIONAL CREDIT CARDS/XXXX ''. This is an error and I did not approve nor did I start this hard inquiry. I only applied for CARE CREDIT by SYNCHRONY. 

Please advise. 

Thank you.
Product: Checking or savings account

Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit file has been repeatedly unlocked since the first of XXXX. I have repeatedly contacted idnotify-experian and my former credit monitoring service through Experian. All to no avail. Yet again this morning the credit file was unlocked. 

XXXX XXXX XXXX ssn last four XXXX phone XXXX
Product: Student loan

I have worked for non-profits since XX/XX/XXXX and was told that all of my payments were eligible for Student Loan Forgiveness. When I applied for forgiveness in XX/XX/XXXX, I was told I have only made 8 eligible payments. I've asked XXXX XXXX XXXX to look into my account but have been waiting 8 MONTHS for them to update my account. Every time I call, they tell me it is being reviewed and in the expedited process but nothing has changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many account inquiries on my credit report that I do not recognize. 

XX/XX/XXXXXXXX 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
Product: Credit reporting or other personal consumer reports

Today, I write to you not just as a concerned consumer but as someone deeply troubled by how my alleged debt, associated with XXXX XXXX XXXX ( XXXX ) under account number XXXX, has been reported and validated in my credit report. My request, rooted in the Fair Credit Reporting Act ( FCRA ), seeks not only a traditional validation of this debt but also an in-depth explanation of the sophisticated methods you've used to verify and report this information. Could you please share how you use advanced technology, like AI or machine learning, to check and cross-reference data? It's crucial for me to understand how these tools help ensure the information on my report is accurate and how you prevent any possible biases in these automated processes. I'm interested in how you track the origin and handling of my debt information, especially as it moved from XXXX to XXXX and then to you. If there's a high-tech system, like blockchain, ensuring this data remains unchanged and authentic, I'd appreciate insights into how it works.It 's vital for me to see documentation that proves your algorithms and processing methods are in full compliance with the FCRA. I'm particularly interested in how you ensure the fairness and privacy of my information, as outlined in the law. 
Lastly, I'd like to understand both the automated and manual systems you have in place for when consumers, like myself, dispute their credit report information. How do you guarantee these disputes are handled fairly and transparently, in line with legal requirements? 
The impact of potentially incorrect debt reporting on my financial wellbeing can not be overstated. It affects my credit score, my ability to obtain loans, and my overall financial freedom. Therefore, I kindly ask for your prompt attention to provide the requested information within 72 hours. Failure to do so will leave me no choice but to seek further action, I trust you understand the gravity of this situation and will respond with the necessary information and a clear path towards resolving any inaccuracies. Your cooperation in maintaining the integrity and accuracy of consumer credit reports is not only appreciated but essential. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were recently granted a modification to our home loan with Shellpoint Mortgage Servicing.. The trial period for the modification was completed. Per the terms of the modification any previously reported late payments were to be erased and removed from our file. However the late payments are still showing up after repeated requests for them to honor their side of the modification terms. This is creating a negative impact on my credit rating.
Product: Credit reporting or other personal consumer reports

I reported that all of student loans accounts listed needed to be removed as they have been forgiven. I also reported that the freedom mortgage account reported late payments which was not accurate because I was in lost mitigation and in forbearance. To date, what I reported is still on my credit report
Product: Debt collection

This creditor is furnishing inaccurate and false information on my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have been a customer of Omni Financial for years and never missed a payment until XX/XX/XXXX. I wasnt even aware it happened at first but I had an XXXX  set up through XXXX XXXX and XXXX XXXX as I am an XXXX XXXX XXXX XXXX Member of 20 years. It was brought to my attention for some unknown reason my XXXX  was either stopped or wasnt paid out on XX/XX/XXXX so I immediately resubmitted my XXXX  to be in effect right away and it was successful. My XXXX  XXXX did show in XXXX XXXX that the XXXX  was re-established and payments was active again. We just had XXXX deaths in our family, my mother died XXXX XXXXXXXX and father-in-law XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and it caused great hardship on our family. I have had an excellent record in my payment history with Omni and recently was notified I was entitled to check payment due to lawsuit with Omni. I called Omni and asked if it was possible for them to please be forgiving and remove the late payments from my credit and I doubled my monthly payment to {$750.00} to make up for the payment missed by error. They confirmed they received it and we was current now but refused to help assist with the removal of late payments. I am XXXX  in XXXX and will be leaving the XXXX and I need to buy a home for us and this is really impacting the loan and even if I have to lease until the late payments are removed it also may impact someone from leasing to us. We will have nowhere else to go. We always lived on XXXX XXXX and dont have rental references. Im praying you can assist us and they will be forgiving and remove those late payment flags on our credit bureaus. I have been a good customer over the years and it was heartbreaking that wouldnt even think of helping us. I have all statements from my pay showing its been paid before XX/XX/XXXX on time and ever since XXXX after that one payment default has been on time. Thanks for listening and hope you can assist. The monthly payment allotment is {$320.00} per month and I paid {$750.00} in XXXX and after so knew they received the current and last due amount I then entered the correct payment of {$320.00} to start again in XX/XX/XXXX.
Product: Mortgage

I am trying to inquire with Ditech - " XXXX XXXX '' about how they are calculating my monthly payments which will change - adjust on XX/XX/XXXX. I have calculated the amount myself and with other mortgage companies. they are charging me {$1200.00}, and I have calculated a mortgage with {$1100.00} for a rate of 4.0 % {$190000.00}, - which is almost {$500.00} dollars more than what the loan amount will be at the time of the adjusted rate from 3.5 to the new rate of 4.0 %. So, my monthly P and I should be lower than both. Clearly they are overcharging me. I have called, and been hung up on after having a rep put me on hold for 20 minutes twice, and then she hung up at XXXX XX/XX/XXXX. I am about to get legal counsel, and form a class act as I can see I am not the only XXXX with this problem. I have called again, they will not transfer me to a supervisor, unless and continue to give my own personal information, of which has not helped in the past. I have asked XXXX XXXX, supervisors XXXX , to give me one good reason, why I should give my personal info any further, as I am personally now invested in protecting my own security, since they have been fraudulent, and not trustworthy. They have no answers for me, but please " hold '', " Bear with me '', and " im working on it. '' They also state I must give more personal info to talk with a supervisor. Please advise, as I will be consulting with my attorneys next week. <P/>Thanks. <P/>Ps. this is by far not the first horrible experience I have had with this company, and am looking forward to a Class Action Law Suit.
Product: Credit reporting or other personal consumer reports

Hello, Can you please do this investigation within 4 days. 

As you can see I have disputed info and no one has done the investigation and they added more info to my credit profile. I also reached out to naviet and they don't hold none. 

Please see attachment for letter I have sent. 

Equifax Reporting I have sent over 4 dispute letters to the credit bureaus for reporting the wrong information for my student loans that are reporting. They are listing that my student loans are late. I sent over letters explaining that none should be reporting late. When I dispute each credit bureau added to my credit profile of loans that has been closed and transferred to another lender. The put old student loan on my account that hurt my score. 

XXXX Account # XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX they have listed twice on my credit. - in the comments they have it as " Account transferred or sold Student loan '' with 12 late payments reporting back from XXXX and I looked up during covid based on Equifax & XXXX They are reporting this account is late during covid which I was in a hardship and loan was in forbearance period. No late payment could be reporting. Based on the cares act. They are also reporting this account has been paid. My loans has been DEFERRED and my loan servicer is DEPTEDXXXX see attachment. 

XXXX XXXX XXXX XXXX XXXX XXXX FCRA Reference : The FCRA is codified at 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( F ). 
CARES Act Reference : Public Law 116-136, Section 4021.

CARES Act Section 4021 : Title : Credit Protection During COVID-19 Statute : Public Law 116-136, Section 4021 Amendment to the FCRA : The CARES Act temporarily amends Section 623 ( a ) ( 1 ) of the FCRA During the COVID-19 pandemic, the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ) amended the Fair Credit Reporting Act ( FCRA ) to address how credit information is reported during the pandemic. Specifically, Section 4021 of the CARES Act includes provisions that impact how creditors report late payments to credit bureaus. 

I also asked for mt personal information to be updated correct I do not know what address are these as I NEVER LIVED AT THIS ADDRESS. I only have one address and what is reporting below is wrong and I want deleted. 

XXXX XXXX XXXX PREVIOUS ADDRESSES NULL NULL, XXXX, IN, XXXX PREVIOUS ADDRESSES XXXX XXXX XXXX, XXXX, NJ, XXXX Inquiries are reporting wrong I didn't apply for ay of theses companies. I have asked for the companies to investigate this info and no one has gotte back with me I want these items removed. 

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

THE FOLLOWING INQUIRIES WERE DONE WITHOUT MY KNOWLEDGE. I REACHED OUT TO THE COMPANIES AND THEY ARE REFUSING TO HELP. 

XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

Hi & How are you doing? Im little confused how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payments you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX To : TransUnion Fraud Division XXXX XXXX XXXX XXXX, PA XXXX Dear TransUnion Fraud Division, I am writing to formally request the deletion and blockage of certain information from my credit report and to dispute the accuracy of my credit score. I believe that there are inaccuracies on my report that are negatively affecting my creditworthiness. 

Specifically, I request the removal of the following accounts and inquiries from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, I request the removal of all inquiries related to the mentioned accounts. I believe that the presence of this information is inaccurate and has led to an unjustifiably low credit score. My current score is reported as XXXX, whereas I believe it should be closer to XXXX based on my financial history. 

I am concerned that TransUnion may be discriminating against me based on my social security number, which begins with a 4. It has come to my attention that individuals of minority status, particularly those of the XXXX faith, have experienced similar issues with TransUnion. This leads me to believe that there may be discriminatory practices at play. 

I want to emphasize that TransUnion is the only credit bureau that is allowing fraudulent information to persist on my credit report. I find this situation unacceptable and damaging to my financial standing. 

If these inaccuracies are not promptly addressed and corrected, I will be forced to file a formal complaint, including allegations of discrimination, against TransUnion. I trust that you will conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies on my credit report. 

Please provide me with written confirmation of the actions taken to address my concerns within 30 days of receiving this letter, as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. 

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

I am writing to express my deep frustration and concern regarding the continuous presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These fraudulent entries are causing severe harm to my financial well-being, and I am urgently requesting your immediate assistance in resolving this matter. 


I initially discovered these fraudulent items on my credit report. Since then, I have taken the following steps to address this issue : I submitted a written dispute to Credit Bureaus, outlining the fraudulent items in question and providing substantial evidence to support my claim. I included copies of police reports, identity theft affidavits, and any other pertinent documentation to substantiate my claim. 

I followed up with Credit Bureaus via telephone to inquire about the status of the investigation and the removal of the fraudulent items. During this conversation, I was informed that an investigation was underway. 

As the fraudulent items persisted on my credit report, I sent a second dispute letter reiterating my concerns and emphasizing the urgency of resolving this matter promptly. 
The continued presence of these fraudulent items is causing significant harm to my credit score and is impeding my ability to secure credit, loans, or housing. I kindly request that Credit Bureaus conducts a thorough and diligent investigation into this matter and promptly removes all fraudulent entries from my credit report. 

Enclosed with this letter, please find copies of all relevant documents, including : Police reports and identity theft affidavits Any other pertinent supporting documentation I respectfully request that Credit Bureaus investigates this matter promptly and provides me with a written response within 30 days, in accordance with the Fair Credit Reporting Act ( FCRA ). If the investigation confirms the fraudulent nature of these items, please ensure their immediate removal from my credit report. Please help me remove tha following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I began receiving notices from Chime that an account and credit card had been opened in my name. When I called to close it out and request additional information, they began asking for the last 4 digits of my SSN. I refused and asked XXXX to to close the account and how or who opened this account. XXXX closed the account but would not allow me to know how this account was opened or who had opened it. When I asked for additional support from a supervisor or director, that request was refused.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to Cushman vs TransUnion 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Equifax with a copy of the police report attached and asked to remove these accounts immediately.