23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023, I purchased tires with my Discount Tire credit card with the promotion of no interest if paid within 6 months. The total almount was {$700.00}. The first payment I made was for on XX/XX/2023 for {$330.00}. I continued making payments on time and my current balance is {$120.00} which I planned on paying on XX/XX/2023. Today, XX/XX/2023 I received a letter dated XX/XX/2023 from Synchrony Bank notifying me my credit card account with Discount Tire was closed. The reason for the was " dishonored payments ''. I immediately contacted customer service and was told my account was closed because they had me on automatic payments and the payments were not honored. I then learned they were automatically deducting payments from a bank account I closed more than two years ago. The automatic payment I set up was for a previous purchase but they without my consent kept the automatic payments on a new purchase. I was unaware about the automatic payments but I was still making payments regularly and on time with my new bank account. But apparently, they do not have a system in place to let them know I was making regular payments. The customer service agent kept saying I am sorry but never did anything on her part to correct my issue. She started to tell my I can call my previous bank institution but I refused to that. My complaints are I was never properly notified that my payments would be automatically deducted, I was never properly notified that the automatic payments from a previous bank were being rejected. Customer service said they called me but they do not leave messages. I do not answer calls with numbers I do not recognize. At the very least leave a message. Customer service also said they sent a letter previously but I never received it. I am concerned this will affect my credit report. Their practice of closing accounts without proper notification or reason ( I was making paytments from my new bank accout ) is wrong and in my opinion illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is ridiculous! I havent received a response from transunion after sending in letters 5 weeks ago. Isnt that illegal? I thought transunion must respond to your letters within 30 days or its an automatic deletion. Please review the letters I've been sending out! 
According to FCRA this accounts are in violation of not reporting 100 % accurate informations. Remove it immediately! 
XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXXXXXX {$2800.00}
Product: Credit card or prepaid card

Paypal credit is confusing consumers with debits and credits due to the linkage between A- PAY PAL ACCOUNT and B-PAY PAL CREDIT ACCOUNT. I have attached a copy of a {$15.00} payment to my credit account ; however, shows as a debit on the ledger. There response is " wait till you get your statement, it will be more clear, '' the transparency is lacking and laws are being overlooked or broken due to oversight in regulation in payment and credit account technology ( PAYPAL ). 

Blatant violations of the CARD ACT of XXXX in consumer 's access to viable, accurate online ledgers.
Product: Mortgage

I opened an account with XXXX in XX/XX/XXXX .... made a final payment in XX/XX/XXXX .... the home was foreclosed on in XX/XX/XXXX. Why am I still receiving negative marks on my credit report in XX/XX/XXXX? 

I spoke with XXXX and they said they no longer had the loan and that XXXX took this loan over in XX/XX/XXXX. XXXX said they were no longer in charge of the loan and that it transferred over XX/XX/XXXX. 

I would like this removed as it is well beyond the time limit. THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

The FCRA requires credit reporting agencies to furnish information that is accurate and complete. I have repeatedly highlighted the following major inaccuracies pertaining to this XXXX XXXX XXXXXXXX Account XXXX on my Equifax credit report, which blatantly violates the FCRA XXXX 

DELETE : XXXX XXXX  XXXX ( Account No. XXXX ) for FCRA violation because of the following errors : The Account Status is INCORRECT. This account is PAID, settled in full on XX/XX/21. ( document attached ) and should not be listed as DEROGATORY.

The attached proof shows it was paid/settled in full on XX/XX/21, so why is Equifax continuing to report new payment history? 
The High Limit is INCORRECT. The other credit reporting agencies show something different. 
The Credit Limit is INCORRECT. The other credit reporting agencies who different information.

The Account Number is INCORRECT. The other credit reporting agencies show different information.
Product: Debt collection

This company, Synchrony, calls me repeatedly -- up to three times a day from the number XXXX. They have called me XXXX times just since XX/XX/XXXX of this year. Time of call has varied from XXXXXXXX XXXX.to XXXXXXXX XXXX 

They never leave a message, and they never try to reach me by U.S. mail or email. I have blocked the number on my cellphone, but I still get notifications of calls from them. 

At least twice I have called the number back and have been told that the call is an attempt to collect a debt and that the call will be recorded. Then when a real person came on the line, he or she told me the same thing. I responded, " That's OK ; I'm recording it, too. '' They then asked for my full name, which I refused to provide. When I asked whom they were trying to reach, they would not tell me. I informed them that I do NOT have an account with them and that they should remove my phone number from their list. Each time I have called, I have been assured that my number would be removed from the list. The most recent time this happened was yesterday afternoon ( XX/XX/XXXX ) at XXXXXXXX XXXX. They have called three times since then.
Product: Credit card or prepaid card

My identity was stolen. Have a police report and have tried multiple times to show them that this was identity theft. They are saying that it has been longer than a year and that I received services from this card. I have never had a synchrony card and have showed them multiple times this is identity theft and they will not take the police report. Again I have never had and never asked for a credit card I also had 7 cars that was bought with my id and multiple other identity theft in this same time. 
I have multiple faxes from where I sent police report and they will not accept. 
Every time I call them and start a fraud account they say and investator will call. I have only talked to 1 investigator and she told me she would call me back but never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to Navient based on the paper work sent to me was XXXX/XXXX/14. Navient took my loan it was XXXX but they reported my high has XXXX starting me off upside down on my loan 118 percent when they took the loan over and created a new one which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 2 previous attempts and two copy paste and generalised responses, CFPB has failed to look into the methods used to verify incorrect information- Equifax is reporting incorrect information and is not showing how they verify that information when challenged to do so. Both Equifax and CFPB are failing to conduct satisfactory investigations.
Product: Debt collection

On XX/XX/XXXX, I received a notification from XXXX stating that I had two medical collections reported from Central Portfolio Cont for a bill from a XXXX XXXX XXXX. I have never been to XXXX XXXX XXXX. Last year my identity was stolen and I filed a police report. However, I never received any information regarding this debt. Eight years ago, I went to a XXXX XXXX XXXX XXXX  that is out of business due to fraud but my insurance company paid this bill. I have emailed Central Portfolio on XX/XX/XXXX asking for this debt to be validated but no answer. I will be sending a certified letter today, XX/XX/XXXX requesting for validation. I believe this violates the FCTA and HIPPA. THe agency is located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has had hundreds of complaints with the XXXX. Also, I disputed this immediately with XXXX on XX/XX/XXXX and today, XX/XX/XXXX I received results that stated it was verified. How can a CRA verify information within 3 days. I believe consumers need for these agencies to be held responsible for erroneous information being allowed on our credit reports. Thank you for your time.
Product: Debt collection

within the past 6 months i have sent numerous certified, registered mail letters attempting to validate the debt. they will not answer any of the validation Questions they respond with letters threatening to seek a lawyer where I live to sue me without even validating the debt.
Product: Student loan

I am making payments but they don't like the amount I am paying. I am sending money ey every month either early or on time. They say it is not enough. I can't afford their plan and they don't like mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in multiple letters the last letter I send in was XXXX XXXX certified and I see know changes or deletions. I mailed in a dispute letter my FTC report copies of my ID social and bank statement all in one envelope certified. and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a my.equifax.com account. For XXXX yrs I have called to complAAIN THAT all of my accounts are gone. When I log in there is nothing for me to see.The accounts, car loans, credit card accounts etc ... all missing. I have asked them to fix but all I get is a case created and silence later on. For XXXX yrs this is gone on. I want it fixed so I can monitor my credit on a daily basis
Product: Vehicle loan or lease

I had an auto Loan with Wells Fargo. I had a wrongful repossession. They never fixed this with the charges and balance on the loan. I am looking for information on how to see if I qualify for the class action suit.
Product: Consumer Loan

Monday XX/XX/2016 at XXXX I was contacted by XXXX with Ford Motor Company . He was very abrupt and was demanding proof of my husbands military status. I was 48 dpd at the time of the call on Monday. I was informing him I would be able to make a payment, to which he advised me was not acceptable unless I brought it totally current that day, and if I failed to do so, would request a Strict Compliance Letter. He made this threat to me only after I informed him that I had not been answering some of their calls because their caller id had changed. They now mask the calls, so that the caller id reads " XXXX operator " XXXX '' - and informed him that the CFPB could view this as a deceptive practice. It was after that point in the call his tone and demeanor changed despite my offer of payment, and he then threatened repo after I brought to light they may have a CFPB violation or concern. I was simplay trying to ask him if they could call me with something other than XXXX as the caller id. - I understand Ford is a First party creditor and is not bound by fdcpa. But they then called me 3 minutes later after this phone call occurred! The next morning They called me every two minutes again from the Caller ID XXXX XXXX OPERATOR. My concern for Ford is two fold. They are treating this account emotionally, as I apparently upset the collector with my CFPB concern, then manually requested a Strict Compliance Letter ( aka repo letter ) even though I had a pending debit on file. Then has called me repeatedly, literally minutes apart. They made an emotional decision, which I assure you if their accounts are audited, you will see their customers do not have a consistent time frame in which the " SCL '' letter is requested, and also that they are performing deceptive practices by having their calls appear os " XXXX '' operator on my phone, where it never used to. I do feel that although the FDCPA does not bind them from repeated calls. Every two or Three minutes, even with a contact from me is a form of harassment. Especially when I had a payment arrangement pending in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel my reported credit score is incorrect. My complaint is with Equifax. Equifax provides credit scores to XXXX. Two months ago, XX/XX/2018, my credit score was XXXX. In late XX/XX/XXXX the score was reduced to XXXX. I called Equifax to question why my score was reduced. I was told it was reduced because I did not have multiple types of credit. I was told I need a montage payment or a personal loan. 

I find this absolutely ridiculous. I have not had a mortgage in over 10 years. I am retired and I have paid off all of my debts. I have had the same credit card for over 30 years, and I always pay the balance each month. 

I informed Equifax, they needed to change their method of calculating credit scores. This is very unfair to penalize citizens for managing their finances and paying off their debt. 

Again, there is nothing negative on my credit, all of my bills are paid off monthly. I have had this outstanding payment history for over 30 years. I need some one to tell me why my credit is simply good and not excellent. Forcing an individual to get into debt to get an excellent rating is wrong and very unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports are showing inaccurate info regarding a bankruptcy. This bankruptcy should not be on my credit report. I sent letters to all XXXX major credit bureaus including Equifax, XXXX and XXXX and my letters we're either ignored or the results came back as verified but this can not be accurate. The response from XXXX and Equifax was received XX/XX//2022.
Product: Credit reporting or other personal consumer reports

I submitted a certified, notarized dispute to Transunion credit bureau on XX/XX/2024 asking that they verify all information is accurate and correct or remove the collector from my credit profile as they are in violation of 15 USC 1681 et seq. governs access to consumer credit report records and promotes accuracy, fainess, and privacy of personal informaton assembled by Credit Reporting Agencies. & 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, im partiality, and a respect for the consumers right to privacy. 
The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to any who does not have a purpose specified in the Act. 


I just received notification from Transunion dated XX/XX/2024 on XX/XX/2024 denying my request to dispute the inaccuracies on my profile
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against experian for failing to properly investigate my disputes regarding inaccuracies on my credit report. 
Despite my submissions. XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed the accounts listed below. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. $ 1681i, 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
Product: Credit card or prepaid card

Us bank is reporting to credit bureaus that my account is 30 day past due for the month of XX/XX/XXXX. I requested this company to investigate this matter multiple times but failure to do so. My account was never 30 days past due. My payment was late but never 30 days past due. My due date was on XX/XX/XXXX. A payment made was XX/XX/XXXX. Posted on XXXX. That is not 30 days past due. 30  days past due would be XX/XX/XXXX. This creditor is falsifying information on my report.
Product: Debt collection

My information was exposed in a data breach. 15 USC 1681states, I have a right to privacy.
Product: Debt collection

My identity was stolen on XX/XX/16. And my social security number has been compromised and debt has been acquired and reflected on my credit report. A police report was made. I Would like these debts removed immediately.
Product: Credit reporting or other personal consumer reports

As per FCRA 605B, I think we need to remove any incorrect accounts from my credit report. Can you check the documents? There are inaccuracies in the listed accounts ' reporting, amounts, and dates.
Product: Vehicle loan or lease

My wife and I obtained a loan from Capital One auto finance on the purchase of a used car. XXXX XXXX of XXXX fraudulently put lower miles for the odometer reading on the finance contract and extended service contract than the car had. When I discovered the fraud, I immediately advised Capital One Auto Finance what occurred. Capital One Auto Finance then advised to me that they had different miles on the forms submitted to them, which means that after my wife and I signed the contracts and left, XXXX XXXX of XXXX illegally altered the documents without our knowledge. Even after altering the documents, XXXX XXXX of XXXX still put incorrect miles on the newly fraudulent extended service agreement. I requested that XXXX XXXX  cancel that agreement due to the fraudulent miles listed, and to the fact that the Company to service the agreement didn't seem to exist. ( The brochure they gave us for the contract had a website that does not talk about any service contract ) XXXX XXXX XXXX XXXX claims to have cancelled and refunded our money that was additionally charged in the loan to Capital One. Capital One Auto Finance has not refunded the money, nor have they credited our account with the allegedly refunded balance, yet they still charge us for the original amount financed that included the additional XXXX for the extended service agreement. Even though they are aware the submitted contract was altered after sighning without our knowledge or approval.
Product: Debt collection

" FINANCIAL CREDIT NETWORK '' HAS FAILED TO RESPOND TO MY DEBT VALIDATION REQUEST THAT I MAILED ON ON XX/XX/10. IT HAS SURPASSED 30 DAYS WITHOUT ANY WRITTEN RESPONSE. I HAVE ATTACHED A COPY OF THE DEBT VALIDATION FORM I PHYSCIALLY MAILED. FINANCIAL CREDIT NETWORK IS IN VIOLATION OF THE FCRA. THIS ACCOUNT NEEDS TO BE DELETED IMMEDIATELY FROM MY CREDIT.
Product: Student loan

I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY IDENTITY WAS STOLEN YEARS AGO BY MY MOMS XXXX HUSBAND. HE STOLE HER PERSONAL DOCUMENTS ALONG WITH MINE AND SISTERS FROM HER FILE CABINET AND WOULD OPEN ACCOUNTS UNDER OUR NAMES ONCE HE LEFT HER. WEVE BEEN TRYING TO TRACK HIM DOWN FOR YEARS BUT HAVENT BEEN ABLE TO FIND HIM. IM WILLING TO PRESS CHARGES ON HIM IF HE IS FOUND. PLEASE BLOCK AND REMOVE THIS INFORMATION FROM MY CREDIT REPORT IN 4 DAYS.






FRAUDULENT ACCOUNTS:




Account name

XXXX XXXX XXXX XXXX XXXX XXXX



Account name

XXXX XXXX XXXX  
Account number

XXXX  


Account name

XXXX

Account number XXXX





XXXX  ADDRESSES:



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 PHONE NUMBER:

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Creditors has failed to fulfill it legal obligation under the fair credit report act ( FCRA ). To conduct a reinvestigation of disputed information on my credit report, leaving inaccurate unverified accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, one of the three participating credit bureaus, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, excepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian corrected nor removed disputed items despite the evidence provided causing undoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inactions violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. THESE ACCOUNTS ARE FRAUD AND NEED TO BE REMOVED
Product: Credit reporting or other personal consumer reports

the addresses on my credit report are not my addresses these addesses is not mailable # 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