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

XX/XX/XXXX Subject : Dispute of Inaccurate Credit Information - Account : XXXX Dear Credit Bureau, I am writing to formally dispute the inaccurate, unverifiable, and incomplete information that appears on my credit report from your agency. The account in question is listed below with its associated details : XXXX Account Information Account Number : XXXX ( XXXX ), XXXX ( XXXX ), XXXX ( Equifax ) High XXXX : {$4000.00} ( XXXX ), {$0.00} ( XXXX ), {$2400.00} ( Equifax ) Last XXXX : XX/XX/XXXX ( XXXX ) Date of Last Activity : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( Equifax ) Date XXXX : XX/XX/XXXX ( all three ) Date Opened : XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX, Equifax ) Balance XXXX : {$4000.00} ( all three ) Closed Date : XX/XX/XXXX ( XXXX ) Account XXXX : Derogatory ( all three ) Account Description : Individual ( all three ) Dispute Status : Account not disputed ( XXXX, XXXX ), Account disputed ( Equifax ) Creditor Type : Miscellaneous Banks ( XXXX ), Bank Credit Cards XXXX XXXX XXXX, All Banks ( Equifax ) Account Status : Closed ( all three ) Payment Status : Collection/Chargeoff ( all three ) Creditor Remarks : Charged off as bad debt ( XXXX ), Subscriber reports dispute resolved - consumer disagrees ( XXXX ), Consumer disputes after resolution ( Equifax ) Payment Amount : {$0.00} ( all three ) Last Payment : XX/XX/XXXX ( XXXX, XXXX ), XX/XX/XXXX ( Equifax ) Term Length : XXXX ( all three ) Past Due Amount : {$4000.00} ( all three ) Account Type : Credit Card ( XXXX, XXXX ), -- ( Equifax ) Payment Frequency : XXXX ( all three ) Credit Limit : {$2500.00} ( all three ) Discrepancies and Inaccuracies There are numerous discrepancies and inaccuracies within the information reported by each bureau : 1. High Balance : Different amounts reported by XXXX ( {$4000.00} ), XXXX ( {$0.00} ), and Equifax ( {$2400.00} ). 
2. Date of Last Activity : Different dates reported by XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and Equifax ( XX/XX/XXXX ). 
3. Creditor Remarks : Different comments regarding dispute resolutions and charge-off statuses. 
4. Account Status and Payment History : Inconsistent reporting of derogatory status and charge-off payments across all three reports. 


Request for Investigation and Deletion Given these discrepancies and the inaccurate, unverifiable, and incomplete nature of the information, I request a thorough investigation into this account. If the information can not be verified, please delete this account from my credit report immediately. 
Enclosed are copies of my credit reports from XXXX, XXXX, and Equifax, highlighting the relevant portions. Also included are copies of my identification and any additional documents you may require for verification.

Thank you for your prompt attention to this matter. I look forward to receiving a response within 30 days as required by the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I opened an account with Synchrony ( XXXX XXXX ). They advised I would get the card within XXXX to XXXX weeks after opening the account on XX/XX/XXXX. I waited several weeks until XXXX when I got a called about me not making a payment. I talked with them about how would I be able to make a payment if I had not received statements or the card itself. They reissue the card. I called back again in XXXX and in XXXX for the same issue. Asking them to please send the card, statements and not to ding my credit score. It has been an absolute nightmare. I started making payments over the phone to show good faith about making payments. They have me with late fees they removed a couple. I asked to remove the other ones and extend the promotion to XX/XX/XXXX since I received the card on XXXX of XXXX and they are now saying that since I made payments they are not willing to grant my request. Also they keep showing me late as a customer. Their way of handling customers information is absolutely irresponsible.
Product: Credit reporting or other personal consumer reports

I mailed off a letter to Experian about late payments and usage reporting on my credit report on XX/XX/year>. I did not receive anything back from them. I asked them to please remove the late payments and usage and to write me back a letter when they have been removed. They didn't do that. I also requested them to send me something saying they received my letter. I got no response. I also got the letter notarized by a publicly bonded notary. Some of the things I included in the letter was a violation of XXXX XXXX XXXX the term consumer report does not include a report containing information solely as to transactions ( LATE PAYMENTS ) or experiences ( USAGE ) between the consumer and the person making the report. I mailed that off certified mail which I can include a picture for proof of delivery. Attached I have proof that I have mailed experian credit reporting agency multiple times and have received no response from their agency. 

I sent a second letter titled XXXX to cure giving XXXX  a chance to redress the situation. The letter contained the same information in the first XXXX and I still did not receive a written response. The day I mailed off the second letter was XX/XX/year> certified mail. I can also provide a picture for proof of delivery of the second letter. In the second letter I included that XXXX XXXX XXXX is the violation for civil liability for noncompliance and they still didn't not try to reach out to me the consumer/principal. Now they are in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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: Payday loan, title loan, personal loan, or advance loan

On XXXX XXXX2024 I was in an emergency situation with a pet at the vet hospital in the middle of the night, I applied online with a company called XXXX XXXX XXXX and was unable to complete my application due to the low battery on my phone. Next I received a phone call saying I was approved for an {$800.00} loan with an " affiliate lender Birch Lending ''. I learned the loan agreement was approx 22 pages and would be emailed to me which I did not physically sign. I was told the interest on the loan was 6 % and that I could make whatever payments I was comfortable with. Due to all the stress of our original circumstances ; at the time, I agreed to {$100.00} per month payments. Since then, I realized that they have been taking weekly withdrawals from my bank rather than monthly. Aside from that once I logged in to their website to try to address resolving this now that I see that I have already paid off the {$800.00} in full and in a very short amount of time. I read that I was in good standing with the company regarding payments. I am now able to see the loan agreement posted with an interest rate of 653 % so of course I wanted to speak to someone about this situation and was referred to calling the next business day. When I called the phone rep was very abrupt/kept talking over me, refused to let me speak with a supervisor. I requested that the auto payments be discontinued and that someone else call me to discuss the remaining pieces and the process to resolve and finalize this. I was then called the next day by the same agent as the 1st call and was told that I was not able to speak to anyone in a supervisory role, that They are now offering me a counter offer to pay off the {$4000.00} - I was told that if I were to pay an additional {$740.00} within 1 week they would close the account. I told her that was insane, I should not have to pay anything else at all. I explained that I was stopping all future payments with the bank and filing complaints for them being a predatory lender. I do not take getting help for granted and I believe it is important to make right what I owe or agree to. I never would have agreed to any loan with a 653 % interest had I known. I never signed any contract with this company it was an online app and customer service over the phone. This company has an F rating with the XXXX  they are also using a different business name Tolovanna Financial DBA rather than Birch Lending. I will provide additional information regarding bank statements and proof if requested. The link XXXX for XXXX  has pages of complaints regarding this company and similar issues happening to several consumers.
Product: Mortgage

In XX/XX/XXXX I was told by XXXX XXXX XXXX that I was approved for a trial modification. In XX/XX/XXXX received a foreclosure sales date. The sales date was removed and my loan was transferred to Select Portfolio Servicing , inc in XX/XX/XXXX. Select Portfolio Servicing, Inc. stated that they did not have any record of the trial modification being offered and that I would have to submit a new modification package. I have submitted modification packages every XXXX months for the last XXXX years. Every occasion I am told that I am denied for incomplete information. In XX/XX/XXXX I was told that I no longer qualified for any home retention options. Because I was offered a trial modification and defaulted. I was never offered a trial modification. I was told that my only options were a short sales or deed in lieu. I choose to do a short sales and submitted paper work within the stated time frame. A sales date for XX/XX/XXXX was scheduled before I was giving notice that the short sale was denied. I contacted HOPE hotline and an investigation was opened. Because of this the foreclosure sales date was postponed. As a result Select Portfolio servicing offered a deed of lieu. I mailed the documents that were required to start the deed of lieu. The next day I received notice that my property was to be sold at foreclosure sale on XX/XX/XXXX. I contact Select Portfolio Servicing in regards to the foreclosure sale and was told because the sales date was so close that it would not be possible to do a deed of lieu. 
After reading countless horror stories from consumers about the treatment that they have received from SPS, I felt my situation would have a better ending. I have done everything within my power to get an affordable modification on my property. But, I have only received lie after lie. So I am filing this complaint on the grounds of LOAN MOD RUN-AROUND, DENIAL OF INFORMATION, AND LIES ABOUT AVAILABLE OPTIONS, and DUAL TRACKING OF LOAN MODIFICATION AND FORECLOSURE.
Product: Credit card

Citi refused to generate my credit card statement for the month of XXXX. My last statement was generated on XXXX XXXX, and then I requested a change of statement date on XXXX XXXX, when a Citi rep told me that the request would n't affect XXXX ( 2015 ) statement generation. Now, Citi has refused to generate a statement for the month of XXXX, saying that the new statement will only be available on XXXX XXXX. 

As a result of this, I 'm not going to have a statement for the month of XXXX, and thus, I wo n't receive any signup bonus ( XXXX points ) that I was promised. I was planning to use the signup bonus ( worth {$660.00} ) to make a travel booking, and because of incorrect information given by a Citi rep, I will have to make alternative arrangements. 

When I pay {$450.00} annual fee for a credit card, I expect better service. Citi reps are very unhelpful.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2019 Wells Fargo Bank XXXX XXXX XXXX, XXXX XXXX, CA XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX Re : Demand to close credit card account -XXXX and Notice of Arbitration To Whom it May Concern : On XX/XX/2019 I called Wells Fargo ( the Bank ) and requested that my business credit card account, consisting of the primary card -XXXX and XXXX card -XXXX, be closed. 
On XX/XX/2019, I happened to log in to my Wells Fargo online banking profile and discovered that the XXXX card -XXXX was still open. I reached out to the Bank several times in writing to confirm that this card was still open and to request that it be closed. Each request was denied. 
This is my fourth inquiry into this matter. 
Please close credit card account -XXXX as originally requested and issue a {$100.00} courtesy credit for my time spent rectifying the Banks error. 
Else this matter will proceed to arbitration with all costs borne by the Bank pursuant to the Business Credit Card Customer Agreement. 
Sincerely, XXXX XXXX enc.
Product: Mortgage

we were in bankrupcy with nationstar, they claimed they were not getting payments from bank rupcy court.. we pulled out of bankrupcy and started sending payments o them. i belive they are holding the late payments from bankrupcy court agianst me. if i was months behind they would have reposessed. my atorney was XXXX in XXXX va, the bankrupcy court judge was a XXXX
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the method of verification to show that the full ownership of this account. I have never done business with such a company. I am requesting this account to be deleted and block from my credit report
Product: Credit reporting or other personal consumer reports

I never signed any contract for any debt with this company. My right to privacy is being violated. As a result I can not buy a car or get approved to buy a home.
Product: Credit reporting or other personal consumer reports

Attempted to receive authorized forms stating i authorized for them to run my credit. However received nothing and have hard inquiries on my credit that are negatively affecting it.
Product: Credit card

Synchrony bank took control of my Dickssportinggoods card from GE Money bank. I am separated from my wife and she set up payments to automatically come out of her bank account. For some reason after 6 months they quit taking the payments. Due to our situation there was a lack of communication and we did n't realize for several months that this had occured. After a while I came in contact with Synchrony bank to begin trying to rectify the situation. They have never been very helpful or courteous to me throughout this ordeal. They told me once that they could put me on a program to help me out. But I was going to have to suspend charging privileges. I did n't want to do that so I called Dicks to try and find a better solution. They referred me back to Synchrony. When I called them back to take their offer 15 minutes later, they informed me that I had no programs available to help me. So anyway, I have been paying the minimum payments to try and get the past due amount taken care of. My charging privileges have been suspended. That is all well and good, but what I 'm filing my complaint about is that last month, and maybe other months, I made my payment on time and they still charged me a late fee. When I called to make my XXXX payment I questioned them and they said that since I did n't pay the full amount that I would get charged late fees. I think that is absurd. They said I agreed to that when I opened the card. I agreed to nothing with them, my agreement was with GE Money Bank. I am asking to get a minimum of XXXX late fee refunded and a maximum of XXXX for the months they quit taking our payment without us knowing
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX rec 'd letter dated XX/XX/XXXX from XXXX XXXX XXXX indicating a report from XXXX XXXX XXXX XXXX led to an adverse action and that I should contact Lexis-Nexis. Called XXXX and via automated system requesting a copy of my report. Being unfamiliar with XXXX XXXX and Lexis-Nexus, I provided only my XXXX  Drivers XXXX Number and not my Social Security Number as well. 

XX/XX/XXXX Received letter dated XXXX from Lexis-Nexis indicating my identity could not be confirmed so I again used the automated system to submit a request for my report using BOTH DL # and SSN About XX/XX/XXXX received a letter dated XX/XX/XXXX from Lexis-Nexis with XXXX describing how I could access my report on their website. Over the next week, I tried this several times from both phone and laptop and always got " Can not open page ''. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX and described my problem. XXXX verified that the link I read to them seemed correct but was worried that it had expired ( even though it should be good for 30 days. ) They offered to send me a hardcopy of the requested report and I agreed. I asked if it was possible to send the report via email, was told this was not possible, and I expressed my disappointment that email was not a supported access. I was told I should receive my report in XXXX days. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX again and reported that nothing had been received. I verified my identity and home and mailing address ( they are identical ) and reminded them that I am receiving mail from Lexis-Nexis at the verified address. I was again told I should receive my report in XXXX days. 

XX/XX/XXXX Called Lexis-Nexis help center at ( XXXX ) XXXX again and reported that nothing had been received AGAIN. I again verified my identity and address and all was confirmed. I AGAIN requested a copy of my report and was told I should receive a hardcopy in XXXX days. I also told them I would be filing a complaint ( THIS ) with the Consumer Financial Protection Bureau and was given the following address ( which I read back for verification ) : Lexis-Nexis XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : Legal Would appreciate any action that can be taken. I am willing to follow up to confirm if the report is received and I told Lexis-Nexis help center I would call again if the report was received. At this point, I am done.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Fl XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX, PA XXXX -Recently XXXX I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general it, 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 li ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Accounts # XXXX XXXX XXXX - This account is being reported inacqurately, pleas remove this from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am writing to formally report an unauthorized inquiry on my account that I discovered upon reviewing my credit report/financial statements. This inquiry was not initiated by me nor did I authorize any third party to make such an inquiry. It is crucial for my financial integrity and credit score that this inquiry is investigated and removed from my record immediately. 

Experian- 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 reporting, credit repair services, or other personal consumer reports

THESE CREDIT INQUIRES ARE UNAUTHROZIED AND NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.