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

My account with SYNCB/AMAZON was never late! I have had exceptional payment history with SYNCB/AMAZON 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 XX/XX/year> 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. 


SYNCB/AMAZON Nev

er Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information w
as 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: Prepaid card

Tried to use the card and it gets declined. Called Amex over the issue and they said just use the card elsewhere, but it doesn't work anywhere. Customer service was unwilling to help. 

XXXX indicates this issue is widespread, Amex is selling broken cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXXXXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX an auto loan opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in a couple of fraudulent accounts appearing on my consumer FICO credit report. I've attached documents with the accounts in question maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts as reported. The aforementioned accounts on my credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXXXX/XX/2024 - {$11000.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2021, I received a hard inquiry from XXXX XXXX XXXX on my TransUnion credit report. This was unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this late off my credit report for months. I have sent in several disputes, and nothing has been done. I have sent in proof that I myself am submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Product: Credit reporting or other personal consumer reports

I'm writing to look at my colossal worry concerning the tried records recorded on my credit report. I have really drawn these slip-ups out from the shadows and have basically on various occasions alluded to a comprehensive assessment. Anyway, paying little mind to what my anticipated undertakings, I very can't get any objective or medicinal action. 

These worked up records are genuinely impacting my credit report and are basically destroying my ability to have a customary presence. The restricting result of these slip-ups has caused monster troubles for me, and I'm left with no choice close to search for your close by assist with reviewing what's going on. 

I sympathetically request that you lead a thorough assessment concerning the deciding of these tried records. It is key that the fundamental advances are taken to reestablish and change my credit report right away. With your help, I really want to restore the accuracy and uprightness of my credit record, allowing me to recuperate control over my money related accomplishment. 

I genuinely request that you propose this matter your for the most part ridiculous suggestion and take a speedy action. Your joint effort and moving in settling this issue quickly would be massively huge. 

Much appreciation to you without skipping a beat for your appreciation and help.
Product: Credit reporting or other personal consumer reports

So I lost all my identity documents, so I had to make out a police report. So i've been in the process of ordering all my reports since my Identity Protection Service that I signed up for, showed me that a phone number was listed on a fraud alert, that I did not place. The phone did not even belong to me. So I decided to request all my reports. I have been documenting the date to which I ordered my reports.

So today I got a report that came from telecheck, when I go to looking over the report I notice that last 4 of the social is incorrect. And the last 4 digits of the license number isn't my either. But the report has my Name on it. But I didn't order the report from telecheck. Because when I looked back in my notes, I don't have a date next to them saying when i ordered it. So someone is messing with my information. 

I also want to report that someone has also made a clone of my phone and everything about it including the my number. And I have noticed that my computer is act funny as well and there is web pages and documents that are popping up that doesn't belong to me. So I feel as though someone is intentionally trying to make me out to be a criminal. And it's possibly the same person that has stolen all my Personal identifying documents.

I know for a fact the statement I have made is true because, I came in contact with a person that had one of the phones that keeps popping up as devices signed into my personal account. They have also been changing my personal info about me.

The way I came in contact with this person is because when I ordered a uber. XXXX automatically assigned my pickup location, and it was literally Less then a 10 min walk from my apartment. so instead of cancelling I walked to where it had me being picked up at, I found a guy exactly where i was supposed to be pickup at, sitting. So I make conversation with him and he was waiting for his XXXX. I didn't ask any questions because I didn't want trouble. But I noticed that he is always somewhere while I'm out. So he has been falling me.
Product: Debt collection

I had requested more information regarding the debt they were attempting to collect and was told due to HIIPA they could not release that information. After a couple of different contacts I finally received the information in the mail from one of the collectors. I called the Advantage group to let them know that I was disputing the medical charges due to my daughter having XXXX insurances and XXXX XXXX XXXX XXXX were at fault. I received a letter in the mail from the Advantage Group dated XXXX/XXXX/2016 stating that charges were confirmed and had been paid in full with the total equaling {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX GEORGIA XXXX XXXX XXXX  # 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX of 2022 And XX/XX/2022 I went to check cars in dealerships. They were so aggressive to me and pushy. I notified them not to check my credit I told them my case and now when I checked they ignored me my desition and without my permission they did hard inquiries or run my credit. I am so mad and I found juat now that I have more than 13 hard inquires that affected me in my credit score. Those seller are super abusive they don't care about you just sell and make money. 

I called XXXX l, XXXX and XXXX they suggested me to reported them here. Here is the list the XXXX XXXX XXXX XXXX shared with me to dispute : 1. They check Capital One - Date : XX/XX/2022 XXXX. XXXX XXXX XXXX - XX/XX/2022 XXXX. XXXX XXXX - XX/XX/2022 XXXX. XXXXXXXX XXXXXXXX  ( 2 times they checked ) XXXX. XXXX XXXX XXXX XXXX. Capital One Auto Finance XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX ( 2 times checked ) XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Product: Payday loan, title loan, or personal loan

Purchased an A/C unit & installation through a Company that uses Ally Lending. Ally has a small window to make an " on time " payment when due. My due date is XXXX of the month. If payment arrives in the month due before that date, they process it as an extra payment. charge acct. with late fee because the payment didn't arrive on the XXXXthey may take 1-3 days to process it!! they have a consecutive 4day grace... not business days & they don't account for holidays. If it gets there on the XXXX of the following month its an extra payment! plus a late fee. Its a gamble of delivery! 
I receive pension funds on the XXXX of the month ( unless it falls on a weekend/holiday paid earlier ) SS on XXXX XXXX, paycheck every two wks on XXXX Funds aren't always available to send on a date to arrive on time! I've asked to change the due date to the XXXX or the XXXX answer NO. They are taking advantage of mail delivery & inter-banking delivery time to charge Late Fees.
Product: Checking or savings account

It appears someone was able to get three replacement debit cards without my knowledge or authorization and used them to withdraw my government XXXX deposits for XXXX, XXXX, XX/XX/year>. Withdrawals and fees : {$3800.00}. SEQUENCE OF EVENTS : XX/XX/year> XXXX XXXX {$1300.00}. 
XX/XX/year> two Unauthorized debit card reissued ( 2x {$25.00} ) {$50.00}. XXXX 2024 unauthorized withdrawal ( debit card signature purchase from XXXXXXXX XXXX XXXX  {$1000.00} XXXX Two Unauthorized withdrawals ( {$100.00} and {$200.00} ) {$300.00} XX/XX/XXXX XXXX XXXX {$1100.00} XXXX XXXX four unauthorized ATM withdrawals ( {$300.00}, {$63.00}, {$300.00}, {$200.00} ) {$870.00} XX/XX/XXXX unauthorized ATM withdrawal fee {$8.00} XXXX unauthorized ATM withdrawal {$300.00} XX/XX/XXXX {$2.00} XX/XX/XXXX unauthorized additional card fee {$3.00} XXXX XXXX deposit {$1200.00} XXXX unauthorized card delivery fee {$25.00} XXXX XXXX four unauthorized ATM withdrawals Total {$910.00} ( {$300.00}, {$200.00}, {$300.00}, {$100.00} ) XX/XX/XXXX two Unauthorized ATM withdrawals XXXX {$300.00}, {$43.00} ) Total {$340.00} Total of unauthorized withdrawals : {$3700.00} Total of fees : {$110.00} TOTAL UNAUTHORIZED Withdrawals and Fees {$3800.00}
Product: Credit reporting or other personal consumer reports

Dispute of Unauthorized Hard Inquiries on My Credit Report Dear Sir/Madam, I am writing to formally dispute and request the removal of unauthorized hard inquiries listed on my credit report. After carefully reviewing my credit report from XXXX, XXXX and Transunion dated XX/XX/2023 I discovered several hard inquiries that I did not authorize or initiate. These inquiries are negatively affecting my credit score and financial well-being. 


Unauthorized Hard Inquiries : Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX XXXX Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account XXXX : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX  Account Number : No Account Number Associated Inquiry Date : XX/XX/2023 Creditor Name : XXXX XXXX XXXX Account Number : No Account Number Associated I would like to emphasize that I have not applied for credit with the creditors or given consent for them to access my credit report. These unauthorized inquiries are not only damaging my credit score but also affecting my ability to obtain credit at favorable terms, such as loans and credit cards. 

I kindly request that [ XXXX, XXXX, Transunion ] conduct a thorough investigation into these unauthorized hard inquiries. Please provide me with the results of your investigation, including any supporting documentation from the creditors involved. If you determine that these inquiries were indeed unauthorized, I request the immediate removal of these inquiries from my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputes within 30 days of receiving a written notice. I am aware of my rights under the FCRA and the importance of accurate credit reporting. 

I kindly request that you notify me in writing of the outcome of your investigation within the legally mandated timeframe. If the investigation finds in my favor, please provide me with an updated copy of my credit report reflecting the removal of these unauthorized hard inquiries. 

I appreciate your prompt attention to this matter and your commitment to resolving this dispute in accordance with the law. 

Thank you for your immediate attention to this dispute. I look forward to a prompt resolution and the removal of these unauthorized hard inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Student loan

On Thursday, XX/XX/XXXX, I contacted Edfinancial after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in 2020. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX  and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until January at the earliest for them. The interest rates and payments will resume again in January.

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11 ''. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

[ Describe the specific inaccuracies on your credit report. Include any incorrect transactions, erroneous account details, or other errors. ] According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest. 

Sincerely, XXXX XXXX XXXX This updated letter includes the additional law you provided, reinforcing your dispute based on relevant statutes.
Product: Mortgage

Recently I noticed that XXXX XXXX had not released my mortgage payment to TheMoneySource as scheduled. I called in onXX/XX/XXXX as soon as I was aware and before TheMoneySource contacted me in regards to my payment. I made a payment over the phone and explained the situation and the representative assured me that this would not be an issue, a day later, upon requesting a credit history TheMoneySource is reporting it as a thirty day late in XX/XX/2018 and ruining my credit. I have since contact TheMoneySource LN XXXX and was told that I needed to dispute the late, so that is what I am actively attempting to do. My payments are made on time every month and this is an unacceptable way to treat a longtime client.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, the submitted a letter with no proof of any late payments on my part, the did not correct the problem, and they are blaming the reporting agencies,
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Original loan was taken  in  XX/XX/XXXX - XX/XX/XXXX .   I  am a   XXXX   and after almost 12 years of making payments was told by my current servicing company that I was put into the wrong loan repayment plan for the loan forgiveness program and only have a few months t oward the ten year loan forgiveness plan.    It was through  XXXX   XXXX  I actually owe more mow than I did when I graduated. I ca n't get a mortgage.   I also received a much higher interest rate than I should have seeing that most student loans are at about  a 3 %
Product: Debt collection

I have repeatedly requested MOHELA to stop calling me on my cell phone and to stop calling me at my work. I also sent them an email asking them to cease and desist this harassment. MOHELA continues to do both many times every week and their calls always start with " This is MOHELA calling ... ". My coworkers often answer the phone and they have complained to me about this. I am afraid management will be soon talking to me about these distracting phone calls. But I have never, not once, told anyone at work about my student loan situation. But now they all know because all they have to do is look up the name MOHELA on the internet. And now my company and coworkers know of my situation. This is having a very demoralizing effect on me. Also, I had a XXXX of years ago and my XXXX is in a XXXX. ( MOHELA has been informed of my health condition ). This kind of XXXX is definitely not good for my health. My feeling of well-being is at its lowest ever. If I could repay my student loans, I would do so immediately. But I have been living at the poverty level for more that XXXX years now. Finally, I must say that taking out student loans is the worst decision I have ever made. But back then I did not fully realize what I was doing. I do not wish this kind of bad situation on anyone and would advise anyone to not take out these kind of loans unless they are completely sure they will get a job that pays enough for them to pay back the loans. The student loan program should be completely canceled.