23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I have a loan with Synchrony CareCredit with the initial balance of {$7800.00} initiated on XX/XX/XXXX. It was for a procedure where at the clinic, the representative who was selling the loan explained to me that it would have a 24 month promotional period of 0 % interest after which, if not paid off in full, the deferred interest would be accrued over the 24 months and added to the balance. She also told me that the account will be set so the automatic payments will pay off the loan before the promotional period finishes. I had agreed to set up a loan after some pressure from the representative due to the promotion and promise of no interest. Otherwise I would have attempted to pay upfront When I set up the account, the automatic payments made were the minimum payments instead of the amount agreed upon ( XXXX XXXX {$320.00} ). I feel like I've been lied to and this is deceptive practice. Now that the promotional period has ended on XX/XX/XXXX, the interest on the account has been applied and is {$4000.00} on top of the remaining balance of {$3600.00}. 

I called multiple times with customer service and escalated the call as much as possible to request to relieve the interest, or extend the 30 day grace period ( it is now around 41 days past the end of the promotional period ). None of the dozen people I talked to was able to provide a resolution.

I have written a formal complaint to Synchrony bank.
Product: Checking or savings account

Hello this is XXXX XXXX contacting about a fraud claim that the bank of Wells Fargo has taken no corrective action on or the necessary steps to investigate and remove the debt from my account. I gave them all the information for their investigation and also was the first to notify them about the fraudulent activity. They would have never known to freeze the account if not for me and it was clearly not authorized as the only checks I deposit are my business direct deposits. It has been an ongoing battle with them and I heard the consumer gov finance organization is who I should go to trust when banks arent addressing this stuff properly Ive been very stressed about this whole odreal. Thank you so much and I appreciate it if you guys got back to me my email is XXXX XXXX
Product: Credit card

XXXX XXXX sold Citgo gas cards to Synchrony Bank and did not forward the payments received. I have had my bank forward proof of payment several times and have spoken to XXXX and SYNCHRONY BANK but it is still not resolved! I have been charged late payments and interest. 
From XXXX BILL PAY. 
XXXX/XXXX/16 {$40.00} XXXX/XXXX/16 Delivered Electronic Payment XXXX/XXXX/16 {$27.00} XXXX/XXXX/16 Delivered " " XXXX/XXXX/16 {$55.00} XXXX/XXXX/16 Delivered Electronic Payment
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Disputing the following account for incorrectly and inaccurately reporting 5 late payments for this account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and due to the FCRA law and My Rights I want the following account deleted from my credit report and credit file I have also included Proof of Payments Account Name : XXXX XXXX XXXX XXXX  account number XXXX account number : XXXX Balance : {$0.00}
Product: Debt collection

Common wealth financial systems its about XXXX XXXX XXXX a # XXXX for the amount of {$1200.00}. Call them and let them know that this account is not mine but they still report it in the credit bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX erroneously closed my credit card account last year then reinstated it since they made the mistake. This active credit card still shows the account was opened in XXXX, but the XXXX  XXXX XXXX XXXX, ending in XXXX, is nowhere in my credit report. Since it is the oldest account I have, I need it to show in my credit report, but it doesn't show up anywhere. I spoke with XXXX  XXXX XXXX last year, but they said they don't have to report it. Please assist me. I am trying to refinance my mortgage, so the " oldest '' account currently shows as my current mortgage I opened in XXXX. I need my credit to show I have had a credit card in perfect standing since XXXX. Thanks so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon the investigation of these accounts the company XXXX, TRANSUNION, XXXX failed to verify accurately said accounts without proper documentary evidence without my consent but continued to report inaccurate information which is effected me.. Knowing this is a clear violation of FCRA [ accounts are ] XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion LLC refuses to conduct a proper investigation into my disputes. When speaking with the customer service representatives they request me to verify telephone number and email address in case the call is disconnected. Often time the call is disconnected on their end but they never call back. The customer service representatives often provide inaccurate information to me. They state that the situation will be escalated by the special handling department but no never follow up! 

This is civil liability for willful non compliance 15 USC 1681n. Please this a violation and I would like my payment per each violation. 

I have disputed XXXX XXXX XXXX with TransUnion for over XXXX months. I have disputed that XXXX XXXX who works with TransUnion deleted the XXXX XXXX XXXX Account from my credit report and uploaded supporting documentation to their TransUnion website but I was told today that they wont accept the documents with no clear explanation. I also disputed the inaccurate payment history. TransUnion has been reporting inaccurate information. Per TransUnion last payment date for XXXX XXXX XXXX was XX/XX/XXXX, but the payment history reflects payments in XX/XX/XXXX. This is a violation and this needs be permanently removed from my credit report. 

I also disputed XXXX XXXX XXXX with TransUnion. I disputed that they are reporting this as an open account when collection accounts are to be closed. Also I do not know who this collection agency is as I have never been in agreement with them. I ask that TransUnion please provide me with evidence stating that I signed any sort of agreement with XXXX XXXX XXXX. Please delete from my credit report immediately. 

TransUnion also sent me a letter stating that they can not locate my credit report for the above disputes. So when I call TransUnion and speak with a customer service representative they have to look at the credit report to provide information over the phone. Once again this is a violation of my rights. Civil Liability for Wilful noncompliance 15 USC 1681n. 

Please investigate TransUnion and their practices of investigating disputes. Consumers have a right to a XXXX XXXX accuracy in their credit reports.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian & XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, Experian, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949XXXX : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal. 

Accounts : Creditor :XX/XX/XXXXAccount : XXXX Creditor : XXXX Account : XXXX Creditor : XXXX Account : XXXX Creditor :XX/XX/XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXXAccount : XXXX Creditor : XX/XX/XXXXAccount : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XX/XX/XXXX Account : XXXX Creditor :XX/XX/XXXX XX/XX/XXXXAccount : XXXX Creditor : DEPT OF TREASU Account : XXXX Creditor XX/XX/XXXX Account : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
Product: Credit reporting or other personal consumer reports

I do not recognize the dates I authorized credit monitoring with the following institutions and suspect fraudulent activities XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax   is not updating accounts in a timely matter. XXXX  has deleted accounts from XXXX XXXX. Equifax refuses to delete them although they were notified. I have attached XXXX 's policy. 

I've also attached the pages of my XXXX report that shows NO COLLECT ACCOUNTS REPORTED.
Product: Credit reporting or other personal consumer reports

My account with (, DPT EDXXXX ) was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 30 - 60 DAYS to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

( DPT EDXXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Mortgage

When the mortgage was with XXXX XXXX, I called about getting my XXXX  removed. They sent me a letter that explained what I needed to pay to have the XXXX  removed. I paid the additional amount to get to 80 % XXXX and have the XXXX  removed. Before I could confirm that everything was in order, XXXX XXXX sold the mortgage to MrCooper and would not talk with me any longer.

I chased and had to call MrCooper every other week for 2 months in order to get the principal payment applied to my mortgage. Finally, the payment was applied to principal ( which should have occured before XXXX XXXX moved the martgage to MrCooper ). Now when I ask if I paid XXXX  while the mortgage is at MrCooper, the MrCooper folks tell me I paid {$44.00} over 2 months to XXXX. I requested they refund the money to me. They explain that according to their notes over the last months, I did not do what was required and when it was required. They will not refund the {$44.00} to me, explaining their process was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I ( XXXX XXXX XXXX ) sent a dispute to company Portfolio Rec and its Affiliates. regarding an alleged inaccurate debt that was place unto my consumer report. there are an erroneous number of inaccuracies across all three major consumer reporting agencies. reported by portfolio Recovery Company and its associates. 
Which they are prohibited to furnishing such information if it's known to be inaccurate By Law under the FCRA They have a grave duty and responsibility to ; The lender must file form 1099-C and send you a copy if the amount of debt canceled is {$600.00} Or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in chapter 1. 

( That above paragraph is taken directly from the IRS publication XXXX ) Send me my 1099-C form that you should have sent when you filed this account as a cancel debt. 
I will list my address below and above 15 U.S.CODE 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

This company is knowingly and willfully being noncompliant with the FCRA, AND FDCPA. 
These erroneous reporting is fraudulent being that it's a Collection/ Charge-off, late 120 Days, One XXXX XXXXXXXX Account Have been split between two debt buyers ' companies who are affiliates with one another. 
This is fraudulent to write it off as a charge-off but still try to collect on the same account under affiliates. 
with different reporting. 
Their ignorance to the law is no excuse for the substantial number of damages this company have caused me and my family. due to their negligence and noncompliance with congress Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in a chXXXX bankruptcy filing status which XXXX  is aware of and they have continued to report payments as late after my bankruptcy filing.
Product: Debt collection

Getting robo calls from this company stating my file has been sent to a litigation specialist for final review and further recommendation since I have not responded to them. I have no idea who they are. Never received proper notification via normal FDCPA requirements. Does n't state name of the company or any other info except to call if I want to include a personal statement on this file before further action is made.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me XXXX XXXX to XXXX XXXX where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent notice to experian, along with a police report, that my identity was stolen. i requested the items that I noted, be removed from my credit report, because they were fraudulent. These items were not removed, and it took more than 45 days for me to receive a response from them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 finish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting I was late on my payment for 60-119 days, however, I was never late. The account was in deferment at the time while the balance was being transferred to a different lender. I have disputed this but was told they were reporting correct information. I asked for documentation as proof but never received anything. I would like for this company to remove the late payments from all 3 credit reporting bureaus, or better yet, remove this account completely from my credit report since it has been 6 1/2 years. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and credit agencies unknowingly and were not authorized to trade my information to make a misrepresentation of me and hinder my credit report. 

A charge off is considered a certificate of indebtedness and can NOT be reported as income.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom in concern : A collection company ( XXXX XXXX ) has placed a collection item on my credit report ( Equifax ) for the amount of {$2300.00}. I have sent two ( 2 ) validation request to XXXX and they have not conducted a proper investigation. They provide a copy of a bill with no other supporting documentation. On my second validation request they provide a standard response with no additional information. In addition XXXX failed to conduct the investigation in the thirty ( 30 ) days. As proof I have provide all USPS certified letter tracking number with dates. The envelope with XXXX response is dated XX/XX/2020 which is over the 30 days required. They didn't provide a letter requesting an extension. In addition this account was not listed as disputed by consumer on my credit file within Equifax. 

This collection on my Equifax report has caused my family harm in we are unable to gain favorable credit interest rates. 

This item should be removed because it does not belong to me, and XXXX has failed to follow FCRA. 

XXXX XXXX XXXX XXXX
Product: Credit reporting

My boyfriend and I were denied for an apartment application because there has been a false claim made on both of our credit reports indicating that we owe {$680.00} to XXXX XXXX Apartments. This information is false because a ) we have paid off the last of our rent and b ) we never collected our {$500.00} deposit. And when we left there was nothing in writing given to us by XXXX XXXX Apartments stating there was a remaining balance due. So with this going on we have now become XXXX step closer to becoming homeless because of this false claim. And when we went to investigate the claim XXXX credit reporting companies have no record of this claim and when we finally called Experian Credit Reporting, we could n't get a hold of an operator for hours of retrying and retrying different selections in the call menu. So now here we are and this complaint is going out on both XXXX XXXX Apartments and Experian Credit Reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

EWS LLC A CRA HAS SHARED CREDIT FILE INFORMATION, EWS ALSO GENERATED AND INITIATED WITH UNVERIFIED INFORMATION FROM XXXX XXXX. INFORMATION FROM XXXXXXXX XXXX IS DEROGATORY AND WITHOUT EVIDENCE.
Product: Credit card

Credit Karma. in regards to the Credit Karma guarantee. I submitted a credit card application which was Karma Guaranteed through creditkarma. This credit card application was denied, which would provide for a {$50.00} prepaid card or gift card. I submitted a help ticket on XX/XX/year> # XXXX, which confirmed my denial and to wait for the e-mail with next steps. On XX/XX/year>, i submitted yet another ticket # XXXX for clarification, received a response on XX/XX/year> that stated creditkarma responded, i replied back that this was not resolved. On XX/XX/year>, yet again i submitted a response, and received a note saying they did not receive a response and closed the case. I submitted yet another ticket for remedy # XXXX Received a generic response saying they did not receive a response. I replied and stating this was the same generic response and that we are fast approaching the 2 months with no follow up email with ways to claim the incentive. Again on XX/XX/year>, i submitted yet another ticket # XXXX stating that i have yet to get ANY response or ANY resolve for the Karma guarantee that was not paid, after numerous support tickets with generic response saying to wait and follow the instructions on the forthcoming e-mail. I would like to file a complaint that this was fraudulent or misleading that i can not receive what was " guaranteed ''