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

In accordance with the Fair Credit Reporting act. The XXXX account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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. 

XXXXXXXX XXXX account- wrong opening date, wrong closing date, incorrect owner information, incorrect remarks based on who closed the account. 


furthermore there are inaccuracy in terms of my credit report middle initial being wrong.
Product: Credit card or prepaid card

XXXX XXXX has violated my consumer rights. In XX/XX/2021, I submit a CFPB to be sent to XXXX XXXX regarding late payments on my account. I had XXXX late payments on my account during the pandemic and I was requesting adjustment. The company notified me that they could not adjust the reporting of those payments. 

However, XXXX XXXX closed my account without notification and continues charging excessive fees : late fees of {$40.00}, interest accrual and a monthly servicing fee on a close account as of XX/XX/2021. See attached. I had a good payment history prior to my account being closed. 

I attempted to pay the account off, but could not pay the balance down because of the fees that were accruing. 

XXXX XXXX is in violation of 15 U.S. Code 1691, It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. 

I was also denied a Credit Line increase in XX/XX/2021, stating denial due to High Credit Use On This Account and Account Performance : delinquency on your account in the last 6 months. At the time of the request, I had 0 delinquencies. 


XXXX XXXX is a sub-prime card that takes advantage of consumers with less than perfect credit. It is unfair and discriminatory and I demand remedy of my account and my credit history. 

I have attached evidence to this complaint to support all of the allegations.
Product: Credit card

I affirm that the presence of incorrectly recorded late payment remarks on my account. Every payment tied to these accounts has been punctually executed, and any departure from this precise reporting is unfair and against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They have reported inaccurate information to my credit report.
Product: Credit reporting or other personal consumer reports

As of Monday XX/XX/XXXX, I checked my credit score which went down significantly and I was alerted to a student loan in which payments were past due. This loan was started on XX/XX/year> for the total amount of around {$10000.00} with an amount showing due of {$9100.00} with a 90 day past due amount of around {$430.00}. 

This loan was not requested or applied for by me and is either fraudulent or a reporting error. I contacted XXXX and XXXX and neither had any record of this loan. I also logged into my XXXX account and there was no record of loan. I have included screenshots of my XXXX account which reflects the loans I did take out- all of which are paid off in full. 

In response, I looked up my credit scores on each of the three credit companies, XXXX, Experian and XXXX. I could only find record of this loan through Experian, not in the other companies records. I filed a dispute with Experian. I also tried to speak to someone on the phone but could not get through to anyone. I also put a fraud alert on my account. 

I need to dispute the loan immediately and open an investigation as to what is happening with this company and why this loan is affecting my credit immediately. Thank you for your prompt attention regarding this matter.
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize nor benet from any of the following inquiries. XXXX and remove them.
Product: Checking or savings account

I am the executor of my late fathers estate. He passed away on XX/XX/year>. In late XXXX, I notified Synchrony Bank of his passing and provided a new EIN for the estate, since he could no longer report income under his Social Security number, in an effort to do the right thing during this time of grief.

Synchrony representatives told me they would reissue his existing CDs under the estate EIN while keeping the same interest rates and maturity dates. Based on this, I assumed all original terms were preserved. At no point was I informed that this action would trigger a loss of protections or lead to prepayment penalties ( They have listened to the tapes of our phone calls and agree that the representative never advised me of this very significant fact ).

Only later did I learn that Synchrony now considers these estate CDs subject to early withdrawal penalties, should I choose to redeem them. I have not yet cashed out the CDs specifically because of this unexpected and, in my opinion, unfair penalty.

I have managed estate accounts with other financial institutions, all of whom treated similar CD transfers under the estate EIN without applyin
g penalties. Synchronys approach seems inconsistent with common estate practices and lacks transparency.

I believe this penalty is unjustified. I did not initiate an early withdrawal I simply complied with legal requirements to transfer the account to the estate. Synchrony never disclosed that this would affect the CDs status or trigger fees. I believe that is omission is negligence at best, and unscrupulous at worst.

I am happy to provide a summary of the seven CDs affected, including balances and maturity dates upon request. I will tell you the dollar value is quite significant, as would be any early withdrawal penalty. 

Requested resolution : I request that Synchrony Bank waive all early withdrawal penalties on these CDs and allow me to redeem them without penalty as the executor. I also request that Synchrony clarify and improve its communication regarding estate account transitions and fee disclosures.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company locked my account for no reason, I paid all balance but reported it as late payment, never been late, and should should show " pays as agreed '', also, i just closed my account because i don't trust them ( XXXX XXXX )
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 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.
Product: Mortgage

I filed bankruptcy in XXXX to re establish my credit after having XXXX where there were excessive hospital bills and I was laid off in XXXX from XXXX XXXX and could not recover. My intentions were to reestablish my credit with hopes of gaining credit worthiness. My mortgage was reaffirmed in the XXXX on XXXX XXXX and bankruptcy was discharged in XXXX of XXXX I just became aware that my mortgage company Flagstar Bank has not been reporting my monthly payments since XXXX and has the mortgage listed in the Bankruptcy which has affected my credit score and worthiness immensely. I am now on a mission to gain my worthiness and score back due to their horrible oversight. I have purchased XXXX vehicles in which the interest rates are extremely higher due to the negative impact as well as I have been denied several lines of credit, they have ruined my hopes at re establishing my credit. I now have several inquiries on the report for credit that I was denied for due to their mistake and oversight. I am paying higher car notes/ interest rates due to this oversight and as hard as I have been trying to reestablish myself this has held me down despite every mortgage payment being paid onetime via ACH every month and me also paying every other credit card and car note onetime. I am also spending several hours of time on the phone and internet trying to get this issue resolved and regain my worthiness so that I can move forward.
Product: Credit card or prepaid card

About 3 months ago I opened a secured account with XXXX. After my card was delivered I was unable to use it as I was prompted to pass an IRS tax return review, to which I complied, the process mentioned 5 to 7 business days, about 2 weeks after I was able to use my card and would regularly make my payments. Nevertheless about 2 weeks ago my account was blocked again as Discover claimed that my Tax Returns Gad not been verified. About 3 days ago I was able to log in and make payments, but this morning after trying to settle my balance I notified an irregularity, my account was closed. I received no notification in the mail or electronically and further my secured fund will only be disbursed in 60days. As a consequence my credit score has plunged 50points which to me are VERY crucial as I am in the process of purchasing a house. I am astonished at the whole process.
Product: Mortgage

I was effected by the pandemic and went on a forbearance plan, during the plan I was told consecutively on the phone that I could at the end of the forbearance plans that I could role the amount owed to the end of the loan and proceed with my normal payments. Although they continued to raise my mortgage during the pandemic. XX/XX/2021 I called to proceed with my new raised mortgage payment of XXXX, was told that I couldn't make that payment because I had to make the total forbearance payment in the area of XXXX dollars to bring account to current status. Was told that the owner of my loan would not modify my loan because I exceeded the total amount that the owner would allow. This being after several modification applications submitted. I payed XXXX XXXX XXXX firm to help and they didn't help at all. I need my loan modified or refinanced been in this home for 17 years and it has plenty of equity in it. I want to keep my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8200.00}, {$3000.00}, {$3900.00}, {$1600.00}, {$350.00}, {$1100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8200.00} -This is not my account. 













XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$3900.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 


-- COLLECTION ACCOUNTS 5. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

this company harass me for the pass 10 years for a credit card who they had each year interest I use this card for one time 10 years ago and then I cancelled but I pay the purchase I made when I got the bill at the end of the month. the company is called portfolio rec. phone numberXXXX also a phone number XXXXXXXXn XXXX XXXX same company please help me to stop them to harass me thank you
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX  Date of Inquiry XX/XX/year>XXXX XXXX  Date of Inquiry XX/XX/year>, XXXX XXXX  XXXX of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/year>, XXXX XXXX Date of Inquiry XX/XX/year>XXXX XXXX XXXX  Date of Inquiry XX/XX/year>
Product: Mortgage

Stearns Lending, LLC, is charging us late fees for a payment which was cashed by them 12 days before it was due. Our payment was due XXXX XXXX, 2016 ; we mailed in a check at the end of XXXX and it was cashed by them on XXXX XXXX, 2016. They did not credit the payment until XXXX XXXX, 2016, 22 days after receipt. Stearns Lending then sent us delinquency notices. 
On Monday, XXXX XXXX, 2016, we contacted their customer service department and forwarded a copy of the cashed check to the email address they indicated. Their automated email response indicates they will get back to us within two business days. I called Wednesday, XXXX XXXX, and the phone call with the representative was cut off. I called again this morning, XXXX XXXX, and was informed that the late charges can not be removed from the account until it is reviewed by a supervisor, and this is scheduled to occur next Thursday. This is for the second payment on a 30 year mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report false information my credit report - On XX/XX/XXXX, their system decrease my credit score by 18 points, without any reasons. I have called them on several occasion and asked for the points decrease, and they continue to tell me that it is done automatically in their system and they do not know why and can not fix it. On XX/XX/XXXX & XX/XX/XXXX, there was a positive reports on my file by my creditors, XXXX XXXX, they should raise mu fico score by double digits, for paying down the balance and satisfying the account paid in full, their system didn't increase my fico score, instead lowered it by 1 point. 

I called several time to Experian and tired to speak with their dispute department and the membership department, but no luck. Instead they just coninuei to take my membership fees and resolve any issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a new employer and I want my employer and employment information added to my Equifax, XXXX and XXXX XXXX credit report. Please add the following : Employer : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, CA XXXX, XXXX, Position : XXXX XXXX XXXX, Annual Salary : {$350000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed letters via certified mail requesting that the company verify the alleged debt and show proof if the debt was verified that the account was legitimately mine. The tracking from the first set of letters show they were delivered on XX/XX/2020 and the follow up letters were delivered on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 and XX/XX/2020. It has been more than 210 days and I have neither received any verifiable proofs that the accounts are mine nor have I received any letters stating the investigations were even started nor completed. The accounts do not show to be in dispute status either. Per the FCRA, 30 days is the time limit the bureaus have to complete their investigations, I have been more than patient due to the global pandemic but over 200 days and no results is wearing that patience thin. Should this continue, legal actions will be my next step against the bureau.
Product: Credit reporting or other personal consumer reports

I was apart of the equifax leak. Since then I've constantly had issues with Equifax, and only equifax. Every so often I get a new inquiry or account on my report that is unrecognizable. I immediately dispute and send supporting documents but they refuse to research or correct their issues. I have been wrongly treated by this bureau for many years. They are very unprofessional and condescending. My report should have XXXX inquiry, they've allowed XXXX.
Product: Vehicle loan or lease

In XX/XX/2020 I financed a new vehicle with Fifth Third Bank. Fifth third bank has yet to send the title to the Louisiana XXXX so I can get my car registered in the state of Louisiana. I am not able to drive my car because the temporary license plate expired.I have contacted fifth third multiple times and they keep telling me that someone named XXXX is working on my case and he gave me a call however XXXX has never give me a call.I have also reported this company to the XXXX XXXX XXXX.I purchased a vehicle in the state of Arizona Arizona is a electronica title transfer state however fifth third cant seem to get the title through electronic transfer for some reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a few accounts only as a collection. There is no name as to where it 's from. I have tried several times to get it resolved but no luck. Can you please help me with this? I do n't know where else to go. 

They have two accounts with the same number of XXXX, and an account number of XXXX, XXXX. These 4 accounts I do n't know anything about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm very outraged that you put the following details in my consumer report and that you didn't follow acceptable operating standards to ensure the highest level of accuracy in the credit reports you publish. Credit reporting laws make guarantee that bureaus and organizations only publish credit data that is entirely accurate. To ensure that the information given is entirely true and correct, every precaution must be taken. I am receiving treatment that is unjust and unfair. And they have taken on a significant role in my life and, through a false consumer report, have seriously harmed my future. Therefore, I'm emphasizing their need to act fairly, impartially, and with respect for all consumers ' rights to privacy. And the data breach that occurred where my information was mishandled I would like these removed urgently or I will take further action to get the results I demend.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.
Product: Debt collection

I called Merchants Credit XXXX 3 times to request copies of the original bills, because the original creditor has no record of an outstanding balance. After the first call they noted on my credit report consumer disputes which i was not, all i wanted was copies of the bills to be faxed or e-mailed which they refused so they said they were mailing the original bills to date since XXXX i have not received the original bills in the mail. I then sent a debt validation letter via certified mail on XXXX XXXX, 2015 the company signed for the XXXX letters on XXXX XXXX, 2015. The company has not ceased reporting to the credit bureaus nor have they sent the bills that i have requested numerous times.
Product: Credit card or prepaid card

I've filed a dispute with XXXX XXXX where it was sold to Resurgent Acquisitions LLC credit card company . where I have been inarcerated in the Oklahoma department XXXX XXXX since XX/XX/XXXX serving a 25 year sentence in the Oklahoma department XXXX XXXX. Where I am housed at the XXXX XXXX correctional center at XXXX XXXX XXXX XXXX, OK XXXX and my DOC number is XXXX. I looked on my credit report, I seen a account from XXXX that I had not opened nor giving anyone permission to use my name to do so. I've sent this company a copy of my consolidated record card which shows my start date, how long I've been in prison, with a copy of my DOC prison Identification with my Social security card. Which could've all been verified by the Department XXXX XXXX had this company did a proper investigation into this matter. Where I sent them a letter in XX/XX/XXXX where they failed to respond back. First of all for these reasons if I have been incarcerated for the past 17 years in the Oklahoma department XXXX XXXX at the same address of XXXX XXXX XXXX XXXX XXXX XXXX for the past 10 years where no credit card was ever mailed to this facility would shows that someone is using my personal information, was the whole reason I'm complaining about this account. Where I was a victim of identity theft.
Product: Mortgage

My property Taxes were due XX/XX/XXXX. Closing Date was scheduled for XX/XX/XXXX. I asked Chase if that would be an issue to get the closing done and my property taxes paid in time without a penalty due. Chase told me yes. I closed on the XXXX with no issues and there was a mistake on the paper work on Chase 's part. The loan did not get funded till XXXX and I was levied a penalty for not paying taxes on time. I reached out to chase to ask for the discerepency but they keep giving me the run around. It has been over 2 months and there has not been a resolution. I have asked multiple times for repayment of the current penalty which is now from XXXX to XXXX. I work full time and to have to reach out to chase every week for a followup and no progress is extremely frustrating.