23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I recently opened a Synchrony Amazon store credit card which provides 5 % back on purchases with Amazon. There was a low credit limit of {$6000.00}, which required me to buy items up to my limit, then pay off the card so that I could use it again. I had to do this multiple times, especially during Amazon 's prime day where there were items on significant discount. I logged on to the Synchrony account management on XX/XX/2023 to find my account closed with no explanation, as well as $ XXXX of earned rewards taken away. The letter I received stated the reason for closure was " Payment and unusual purchase history on your credit account that Synchrony deems may be indicative of future intention not to pay ''. This is a bogus reason as I had paid down my balance to XXXX on multiple occasions. Synchrony has taken away my rewards worth more than {$1100.00} earned under their cashback program and benefited from merchant exchange fees and purchase fees. From my statement on XX/XX/2023, which covered purchases up to XX/XX/2023, I had already earned {$770.00} in rewards ( statement attached ). Additionally, Ive attached an export of my transactions since that statement to show additional purchases and payments made over that time period which shows the assertion that I intended to not pay laughable. If I intended not to pay, I would not have paid down my statement balance on multiple occasions. I accrued additional rewards since my statement which were taken away from me by Synchrony. This company is using deceptive business practices to benefit off the consumer.
Product: Credit reporting or other personal consumer reports

I reached out to Experian via phone after repeated letters concerning the correct spelling of my name as well as my actual address in accordance with the accuracy clause required by reporting agencies issued by the FCRA which is further supported by consumer law 15 USC 1681i. Experian has yet to correct my name and my address which are incorrect therefore making the information being reported inaccurate which is a violation of the law and therefore XXXX!!
Product: Credit reporting or other personal consumer reports

I discovered that my personal information was used without my consent to open accounts or make unauthorized purchases. I did not initiate or authorize any of the transactions or accounts associated with my name. I believe my identity was compromised through theft or fraud, and I immediately took steps to report the issue to the authorities and the affected companies. Despite these efforts, the companies involved have not fully resolved the matter or removed the fraudulent charges and accounts from my credit report.

Acknowledge that the accounts and transactions are fraudulent.

Immediately remove all fraudulent account and Unauthorized Inquiries charges from my credit report.

Ensure that no further collection attempts or negative marks are made related to these fraudulent accounts.

Provide me with written confirmation that my personal information has been secured, and that no further unauthorized actions will occur under my name.

Compensate me for any damages or negative impacts to my credit score and personal life resulting from this identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the FCRA the credit bureaus are to ensure that only accurate information is reported on my report. The following accounts have been listed on my report without my written consent and per section 15 USC 1681, I do not allow for these accounts to be published on my report. These accounts have also never been verified as accounts that even belong to me, due to these facts the following accounts are inaccurate and need to be removed from all my reports immediately. The accounts to removed are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX IN
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccuracies in Credit Report for XXXX XXXX  Account ( # XXXX ) Dear CFPB Representatives, I am writing to formally file a complaint regarding inaccuracies in my credit report for the following account : Creditor Name : XXXX XXXX Account Number : XXXX Upon reviewing my credit report, I noticed multiple inaccuracies related to late payments reported for this account. These inaccuracies not only fail to reflect my payment history accurately but have also negatively impacted my credit score. 

Details of the Complaint 1. The late payments reported on this account do not match my personal records and appear to be inconsistent. 
2. I have previously attempted to resolve this matter directly with XXXX XXXX, but no corrections have been made to date. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my credit report is accurate and verifiable. If XXXX XXXX  is unable to provide clear, documented evidence to validate the reported late payments, I am requesting that this account be entirely removed from my credit report. 

Requested Actions 1. I respectfully ask the CFPB to investigate this matter promptly. 
2. I request that XXXX XXXX be required to verify and correct any inaccurate information. 
3. If they can not provide sufficient documentation supporting the late payments, I demand the complete removal of this account from my credit report. 

I have attached the following documents to support my complaint : Copies of my credit reports with the disputed account highlighted. 


Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2.

# # # Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The following inquiries were made without my authorization : Unauthorized Inquiries : 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 These inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. 
# # # Inaccurate Collection Accounts : In addition to unauthorized inquiries, there are several collection accounts on my credit report that are inaccurately reported. Under 15 U.S.C. 1681s-2 ( b ), furnishers of information are required to ensure the accuracy of the information provided. However, these collection accounts have been paid in full or are inaccurately reported and are damaging to my credit : Fraudulent Accounts in Collection : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. 

I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). 

This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Act 15 USC 1681 section 602a states There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under the title. 15 USC 1681 section 604a section 2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and surely do not have my written consent. Any and all consent to XXXX, XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) state that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given explanation of how the consumer can exercise that non disclosure option. ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my non disclosure option. Not only does 15 USC 1681C ( a ) ( 5 ) state Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) states A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1681e statesEvery consumer reporting agency shall maintain reasonable procedure designed to avoid violations of 15 USC 1681c if this title and to limit the furnishing of consumer reporting to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedure. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. I am opting out of your reporting service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX did not investigate issue properly. I received notice that your company received feedback from XXXX. However, the feedback was false. The account was verified quickly and I did not have my allotted time to reply before it was quickly closed. I also received a letter from XXXX dated XX/XX/22 requesting my personal information. This is to send to XXXX to add in their database. XXXX can not furnish me with account information and I'm in good standing with XXXX. The letter received after the Holidays requesting information was sent after stating investigation complete. This account is bogus. The dates and status has been changed more than XXXX. It first showed XXXX and now showing XXXX also which was added later. My rights has been compromised several times. I can not dispute online with XXXX. They've since change account so I can create XXXX, however, keep getting error invalid password or username after updating both several times!!!
Product: Debt collection

I disputed this with the company in XXXX and XXXX of XXXX. I have return receipts by sending disputes via Certified mail. The company Resurgent Capital Services L.P. states it manages LVNV Funding LLC. This company was not listed on my consumer credit report. I asked for information containing to the debts claimed that I owe. I asked for account history, names, agreements or contracts. I ask that they prove I owe this debt according to FCRA laws. They did not send tear off portion for disputing. They did t send any information that was compliant. I do not owe this debt I do not owe them
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over XXXX days and not response to XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consimer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as the did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I was current at the time of Hurricane Irma which we were declared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX ( previous servicer ) put us on a 6 month FEMA disaster forbearance ( I am including a copy of the agreement ). At the end of the forbearance XXXX put us on another 6 month FEMA disaster forbearance starting on XXXX, XXXX ( a copy of the agreement is included ). This was granted because our damage wasnt significant enough to meet the deductible of the insurance to make a claim. The insurance company raised the deductible due to the hurricane to 5 % of the total value of the home instead of the {$1000.00} normal deductible. The deductible was then {$7000.00} so the forbearance was our only means of assistance to pay for the recovery. At that time we had a XXXX XXXX loan who promised to do a streamline disaster modification at the end. 
Then on XX/XX/XXXX we were hit by Hurricane Michael. XXXX was trying to find out from XXXX XXXX whether to do another forbearance or go ahead and do the modification. Because this was a complex issue with the second disaster they were waiting on XXXX XXXX for the guidance on what to do. 
On XX/XX/XXXX we received notice of a service transfer to XXXX finance so we were told the wait until we arrived at the new servicer to do the next forbearance or modification. 
Then on XX/XX/XXXX we received notice we would be transferred to Kondour capital starting XX/XX/XXXX who has refused to honor the previous commitments and agreements made by the previous servicer. 
We have sent them copies of the agreements and begged them for help but so far they have refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Vehicle loan or lease

We were in the path of hurricane Harvey. We applied and was accepted for the disaster relief. TD Auto Finance ( TDAF ) felled to do the paperwork on their end. We have contacted them 7 times regarding this matter. Each time they say it will be correct within 48 hours ( 2 business days ). It has still not been corrected. This was in early XXXX, we were granted a 2 month extension. On XXXX XXXX 2017 they reported on my credit report that I am 30 -59 days past due. This decreased my XXXX score by 49 points and my XXXX score by 34 points. This has created another financial hardship on us ( we  were trying to buy a new vehicle ). Since the relief period, we have made two payments and bot times we were told the problem would be handled. Now this ... 
Now we are unable to get a good loan due to the incorrect reporting from this company. We are not trying to say we are perfect, we are not. The incorrect reporting hinders us greatly. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion continues to report inaccurate information on my consumer report. There are several inaccuracies.

My address and name is listed wrong on my report. It is causing me to be denied for credit.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX Balance : {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong information is reported in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My only employer is XXXX XXXX XXXX  There may be individuals that have the same as mine. Creditors may have entered my name, address, and/or employer incorrectly when requesting my credit report. 
Regardless there are forms of my name and addresses that should not appear in my credit file. 
Please promptly remove all other names, addresses, and employers. These other forms of my name, address, and employer are not correct historical data so they need to be removed.
Product: Checking or savings account

On XX/XX/2021, ,Called Wells Fargo Bank , ,To Apply For, ,The Covid19 Assistance Program On, ,That They Was Offering,,, Went Online ( 3 ) Time To Apply, The Application Was Blocked On Line,,, And I Spoken To A Banker, ,Though Overdraft Protect,, He Said That They Stop Taking Applications, ,But Went Online 2 Before XXXX, ,So UnAcceptable, I Did Received ( One ) Settlement Check,, For, XXXX, ,On XX/XX/XXXX, XXXX, ,I Do Believe That This Company Owes Me And My Family More, ,This Company Is Really Messy, ,It Also Ruined Me And My Family Life
Product: Student loan

Good Afternoon, My name is XXXX XXXX XXXX and I originally took out student loan in XX/XX/XXXX with Sallie Mae for the amount of {$12000.00}, which is now owned by Navient. Yes, I admit I have put my account on forbearance more than I should have.Well, now I have an amount of {$32000.00} to pay back. Well, I have been a XXXX XXXX XXXX for 27 years, 14 of them being in XXXX XXXX XXXX in Georgia. I filled out the documentation necessary to have {$17000.00} removed from my overall balance. They said it would take 6 weeks to get an answer. I waited for 2-3 months, until I called them to get a reply. The woman on the phone stated that I was accepted into the program where that {$17000.00} was going to be forgiven. The floor manager said they have no record of me calling them, and that person, whoever it was, gave me the wrong information. They say that I AM NOT forgiven the {$17000.00} because the loan was issued before XX/XX/XXXX. That was not told to me until now ... 3 months later of talking to the woman who said I did qualify. The manager, once again, said I should have received a letter from them stating that I was denied of this program ... WHICH I NEVER RECEIVED!!! ... even though, I have been XXXX XXXX XXXX for 27 years and again 14 years in XXXX XXXX XXXX. I am usually not a person who cusses, but I did with this floor manager, and for the first time, I am not sorry for doing it. I NEED HELP PLEASE!! I am a XXXX who supports her XXXX year old mother. Please help me in this matter.
Product: Debt collection

I have a current account with Sallie Mae. Over a span of 1 week while my loan was current the whole time, Sallie mae contacted me once my brother, mother, sister in law, father in law, and others. I spoke with Salle Mae but who stated they will be doing an investigation but they have beyond harassed me and my family for something that I did not need to address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts that are not mine are being reported on my credit report XXXX there is no balance but this account does not belong to me. 
XXXX XXXX balance {$750.00} being reported but account is not mine. 
XXXX account does not belong to me. 

Paid for deletion and is still being reported : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) {$180.00} XXXX XXXX was included in bankruptcy but still being reported negatively. 
XXXX XXXX XXXX  payment history being reported inaccurately. 30 day late payment. Account was never late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts ; XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} ), XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$19000.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my report and I noticed the following inquiries are unauthorized : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXE XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have made several attempts to resolve incorrect items being reported to Experian. i have asked them to provide me with proof on how these accounts were verified as 100 % accurate and that they belong to me. i asked them what method of verification was used and in addition, to provide me with a legal and binding contract that bears my signature to the following accounts : 1.XXXX XXXX- XXXX 2. XXXX XXXX- XXXX 3. XXXX XXXX XXXX- XXXX