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

XX/XX/XXXX This is a complaint against Synchrony Bank related to my Synchrony Premier MC account. 
On XX/XX/XXXX, I contacted Synchrony Customer Service by phone to inquire about a billing issue THAT IS NOT related to this complaint. I was connected to a Customer Service Supervisor named XXXX who informed me that Synchrony has issued a new Account Agreement in XX/XX/XXXX. I requested a copy of the new agreement and the customer supervisor promised that it would be sent by XXXX mail within XXXX weeks. A recording of the conversation with customer service supervisor on XX/XX/XXXX was made. 
I have not to date received the copy of the Credit Card Account Agreement although it has been more than five ( 5 ) weeks since I spoke to Synchrony Customer Service.
Product: Mortgage

In accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written consent and instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an opened and consumer credit plan as late for any purpose.
Product: Debt collection

XXXX stipulates that colonoscopies will not result in charges, co-pays or deductibles, to the patient. 
XXXX of XX/XX/2021, paid " doctor fee '' of {$100.00} on day of visit, and then billed {$140.00}. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dr office says it was XXXX XXXX XXXX' not XXXX XXXX XXXX' since a XXXX was removed so they can charge. To my understanding according to ACA it makes no difference. 
And how would anyone know if there was one removed anyway.
Product: Credit reporting or other personal consumer reports

Spoke with representative and confirmed account is paid and closed. When ask for proof, was told I would get it mailed and that this will be reported to the Bureau and updated on my credit report. When asked about the late payments being removed, again I am told this will accrue once the Bureau is notified of settled account. Most accounts have been paid and closed for at least 6 months. I also have 6 duplicate accounts open dept of Education with the same account number and information all also stating closed. I have one account open with the correct balance and information.

These account remaining on my credit are hindering my ability to open and gain more credit. This is costing my family hardship as I am limited to receiving approval any additional credit as it currently shows I have 27 accounts on my credit when 18 accounts should have been removed.
Product: Student loan

About a year and a half ago I contacted an outside company regarding my student loan. I was trying to get my amount lowered due to financial difficulties. They explained to me that they would take care of all necessary paperwork every year and it would only cost me {$39.00} a month which would be added to my monthly payment. I 've had to contact them regarding the paperwork because they have not stayed on top of it. I was also informed that they should not be charging me a fee to do what is basically free. This is not something that I was aware of until recently. Unfortunately there has been no paperwork for me. Nothing that states what I am paying and what the amounts are going towards. The only paperwork has been my pay stubs that I have submitted to them for income verification. I am, however, attaching a copy of my bank withdrawals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was part of the Midland Credit Management TCPA Class Action Lawsuit Settlement. Midland is not following through with the ruling as to removing negative information and still reporting negative and inaccurate information. Midland Is continues reporting a recent balance of {$360.00} on the account XXXX on my XXXX and XXXX reports showing a date opened of XXXX 2013 also would not show proof or validation of the alleged debt and numerous harassing phone calls with that and also another alleged Acct. XXXX in the alleged amount of {$870.00} which this account would also fall under the TCPA.
Product: Debt collection

I was served papers to appear in court on XX/XX/XXXX regarding a request from a company called credico inc to revive a judgement from XX/XX/XXXX, 14 years ago. I have never at any time been contacted by this company or any other company regard this amount they say is owed. I have received no phone calls, no mail, no other attempt to contact me at all. I tried to contact the company but found little to no information about the company online. I attempted to contact the lawyer from the served papers and left a message but ncall back. In the past 14 year and before that I have heard nothing about this dept or from this company. I could not dispute the debt prior to what they say was a judgement in XXXX because I never was contacted or given any information. I have no idea what this debt is for. I have spent the last 12 years working extremely hard to pay off credit card and medical debt so I check my credit report and credit score weekly on 3 different sites, I open and read every peice of mail, and answer phone calls so I am not only aware of what I owe and to whom but also make arrangements with them to pay the debt in full. Had I gotten information from this company or about this debt I would have requested information to very the debt and made arrangements for payment if the debt was proven to be mine. I never got that chance or opportunity over the last 14 years to do any of the things that are my right under the fair debt collections act to do. My information including my phone number and address and employor were never hard to find with a simple search online or my credit report. Every other debt collector I had debts with had no problems contacting me, which made it easy to verify the debt and make arrangements for repayment. I do have debt I am paying off and had paid off debt because unfortunately I am a type XXXX XXXX  and medication and medical help is expensive so I have had debt in the mast but I have made a good faith and legal effort to repay every debt that I owed. Please investigate this matter immediately. I have not been contacted by this company or about this debt at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchase a used vehicle XX/XX/2016 I was finance threw veros credit this was my first time buying a vehicle within the first 30 days I had issues with the vehicle I returned the vehicle for repair at the dealership XXXX XXXX  the vehicle had emission issues I was told it was the Catalytic converter they held my car for 30 days and said it was repaired witch it was not the vehicle would burn a full tank of gas within 10 miles so I reported this to my Finance company veros credit after I tried to get it repaired myself and told them I could not afford the payment due to attempting to repair the car and I told them to come pick the vehicle up they didnt do so until months later when they retrieve the vehicle it had my personal belongings which I was declined to be able to retrieve I also had recipes for the repairs of the vehicle and a statement from my mechanic stating the car was a lemon. Veros credit then auction the vehicle off for over XXXX dollars or more and my balance was estimated XXXX the account has been closed and charged off for over 5 year I am have been charged late fees and miss payments that were reported on my credit report every month for the past 3 years or so my current balance is XXXX and it has effected my credit dramatically I have disputed many times and contacted verso credit told them I had financial hardships and can they stop the late fees and they just hang up in my face every time I have reported to the XXXX and they are denying that they are still charging me till this day I ask for my issue to be resolved by reporting the correct amount due and stop charging me late fees also my last payment on my credit is incorrect My last payment was in XX/XX/2016I was told by XXXX  that since my account has been closed and charged off they should not be continually charging me fees and reporting late payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 

6. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My name is incorrectly reported with misspellings and they are affecting my verification process. The correct spelling should be XXXX XXXX XXXX please delete any other variation of my name ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ) the following addresses are not mine and are fraudulent please delete : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Debt collection

On or about XX/XX/2020 I contacted Lending Club and asked for assistance with my payment as I had recently incurred additional expenses and I need their help. They offered to reduce my payments for 2 months. I was concerned this would negatively affect my rating with them. The representative assisting me assured me there would not be a negative rating with them nor would it report late to the credit bureaus so long as I paid my modified payments on time. I authorized them to take a payment from my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Approximately two weeks later I received a call from Lending Club advising me that due to a system error on their part, my payment on XX/XX/XXXX did not process. I asked them if this would reflect negatively on my account and they assured me it would not. I asked them to process the payment that day and again on XX/XX/XXXX. Approximately 1 week later, I received another call from them saying once again, due to a system error, my last payment did not process. But they were going to process two payments ( very inconvenient for me ) and they identified the problem on their end and it would not happen again. The rep repeatedly reassured me everything would be back dated and there would be no negative reporting to the bureaus. Despite their repeated reassurance that there wouldn't be any negative reporting, I received an alert from XXXX that my Lending Club account was now 30 days past due!! I have spent the last two weeks trying to get a Supervisor to call me so I can get this issue resolved, and no one has called me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting unverified inaccurate bankruptcy on my credit report claiming the information was verified by data furnisher XXXX. So I went to XXXX directly to verify and as a result of there investigation, they are not showing any bankruptcy on there files. I sent the results of the investigation to Equifax numerous times to show there is no bankruptcy in my file with the data furnisher XXXX. Equifax responded on XX/XX/21 confirmation XXXX, XXXX confirmation # XXXX, and XX/XX/21 with confirmation # XXXX still referencing the bankruptcy. How can Equifax verify information that does not exist in there files as of XX/XX/21, letters enclosed? Equifax seems to not be verifying the letters sent or totally ignoring my request to delete the unverified bankruptcy from my report by just sending computer generated responses.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXP 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Date : XX/XX/2019. 
Complainant ( Bank Customer - XXXX XXXX XXXX - XXXX XXXX / XXXX ) is having a Serious Issue of Harassment, violations of Several Banking Policies, and Regulations, and Inability to Close his almost 2yr old Bank Account, based on XXXX Harassment, Violations of the Civil Rights Act of 1964, and Change of Banking Policies with-out Proper Notice to Customer, also Acts of Retailiation, by Banking Officers, and Employees, and Intent to Defraud the Customer of his U.S. Social Security Administration Benefits, of Direct Deposits of Months of XXXX, XXXX, XXXX, and XX/XX/2019, after two very small withdrawals in the Month of XX/XX/2019. 

Complainant has filed against the Mayor XXXX XXXX, and with a Governor XXXX XXXXXXXX XXXX Committee, and is unable to access, the Customer Response from the CFPB website or email. CFPB # XXXX Please respond via Email :  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent the credit bureau an affidavit of identity theft police report as well as the FTC report listing the exact fraudulent items on my credit report I have sent these documents XX/XX/2021 with still no resolution to the issues I am needing help to get these items off of my credit report.
Product: Student loan

They will not help me lower my payments or let me do. A foreberance while Im out of work. I do not have the money to do so. Since this Monday they have called 17 times in 2 1/2 days. All day none stop from collections. XXXX ( XXXX ) XXXX And XXXX ( XXXX ) XXXX are the numbers that call all day and night looking for money. This is just my number, theyve been harassing my mother on her work and cell phone as well all day long looking for money as she is a co-signer. I have proof with the phone log records and voicemails. They are harassing me at this point now and not nice when I let the know my situation. Not sure what else to do at this point with the harassing calls.
Product: Debt collection

I am writing to express my serious concerns and frustrations regarding the status of my accounts. It has come to my attention that all of my accounts have been categorized as " paid, '' and I believe there has been a misunderstanding regarding the legal implications of my financial obligations. 

I would like to address the issue by highlighting certain legal facts related to the XX/XX/XXXX act. As per my understanding, this act placed all property in the United States under the ownership of the United States or its designee. Furthermore, the currency is underwritten by U.S. Treasury notes, bills, and obligations. Based on this information, it is my belief that I can not be held liable for government obligations. 

I wish to draw your attention to Congress 's own words regarding the unconstitutionality of the XX/XX/XXXX act, as expressed in Senate Report 93-549 dated XX/XX/XXXX : " a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by the Congress, which affects the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confers enough authority to rule this country without reference to normal constitutional processes. '' I understand the importance of adherence to legal and regulatory standards, and I firmly believe that my accounts should be marked as " paid '' based on the information presented above. I kindly request a thorough review of my account status to ensure that it aligns with the legal context and my financial obligations accurately. 

I would appreciate your immediate attention to this matter and a comprehensive investigation into the reasons behind the " paid '' status on my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Experian 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. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX .... Late Dates XXXXXXXX XXXX XXXXXXXX Late Dates XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX .... Late Dates XXXX, XXXX XXXX ... XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX .... Late Dates XXXX
Product: Mortgage

Received Notice of Cancellation from insurance company dated XX/XX/year> as XXXX XXXXXXXX did not make payment. XXXX XXXX has made not efforts to correct issues and we are currently without insurance. XXXX XXXX XXXX Payment Amount {$2500.00}.
Product: Student loan

ACS/XXXX was changing my repayment plan to an income based plan. While they were doing so they let the loan go into delinquency from XX/XX/2013 to XX/XX/2013. There is a negative 120 days delinquency on my credit report that I have disputed numerous times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I informed Experian that my XXXX XXXX XXXX XXXX XXXX credit card credit limit was increased and requested that experian update their system to reflect the new credit limit. Experian instead erased the card from my credit report and my credit score dropped significantly. I contacted Experian and requested that the card be added to my account as open status as I made a payment and charged something in XX/XX/2023. Today I got yet another determination from Experian stating that the card is in closed status. I need it in open status as the card is still avtive.
Product: Credit reporting or other personal consumer reports

I disputed several errors on my credit report with Experian and XXXX, ever since my credit hasnt been updated on my membership. I have called, provided the personal information validation, and everything else and still havent seen my credit report update in 5 months on their site.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card ADDRESSES- XXXX XXXX XXXX XXXX, Ga XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX EMPLOYMENT - XXXX XXXX  ACCOUNTS- XXXX  XXXX opened XX/XX/XXXX account # XXXX Balance : {$980.00} - XXXX XXXX opened XX/XX/XXXX account # XXXX Balance : {$310.00} - XXXX bank opened XX/XX/XXXX account # XXXX Balance : {$0.00} - XXXX  XXXX XXXX XXXX XX/XX/XXXX account # XXXX balance : {$2800.00} - XXXX  opened XX/XX/XXXX account # XXXX balance : {$520.00} COLLECTIONS -XXXX XXXX XXXX opened XX/XX/XXXX Balance : {$540.00} INQURIES - XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX acce XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Open Account : XXXX XXXX XXXX XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.