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

When you first login to your Care Credit account with Synchrony Bank, a window appears requiring that you update your personal information with this message : " Our records indicate that you may have incorrect or incomplete data on file. Please take a moment to verify your personal information to ensure delivery of important notifications. '' You can only select the button " Update Required '' because the " Continue '' button does not work. 

The second pop-up window indicates 3 missing items on my account per Synchrony Bank is my work and home phone numbers and my monthly net income. Now, since Synchrony already has my mailing address and mobile phone number, I dont feel I need to also give my home and work phone numbers. Further, in providing additional phone numbers, you are agreeing to Synchonys contacting you at those numbers to which I do not agree. Finally, since I already have an established line of credit and an account in good standing, there is no need for Synchrony to know my current monthly net income. I will disclose my income when I need a higher line of credit. Synchronys message on that pop-up window is " Our records show that we do not have your updated income. Please review and save. '' I left my income at {$0.00}. Selecting the cancel button took me right back to the original pop-up screen soliciting for my personal information. Selecting the continue button exited me from that solicitation loop. I think most people would have responded to the invasive request and inputted their personal information because you can not easily exit out of the loop and the language " update required '' is a mandate. 

I complained to Synchrony that asking for income information as if it were a required update is misleading and an invasion of privacy. That complaint has been erased from my Messages history on their website. Synchrony is wrong to solicit customers ' most current personal income information as if it were a required disclosure when those customers have already been approved by Synchrony for a line of credit. If Synchrony would like to have that information to consider increasing a customers line of credit, then it needs to state it as such. Otherwise, it should NOT be privy to that information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/2015 Reference # : XXXX
Product: Mortgage

My Mortgage bank Selene Finance have denied short sale under my hardship. I have been in contact with Selene along with my real estate agent to resolve this matter. Offer made to my home covered XXXX percent of the loan owed. Selene went ahead and sold my home under foreclosure under a hardship and short sale offer. Selene received {$10.00}, XXXX as a deposit for this offer but yet denied it. Please see my attachments of proof of such events. Also they mishandle documents when attempting to get a loan modification. 

When applying once for a modification they gave me a run around for almost a year a mishandling my documents and even sent me someone else account papers which broke breach of confidentiality. I asked serveral times during this season to send me records of my house and they refused. 

I have had my home home since 1999 my exhusband refinanace serveral times, interest rate high, and most what was left of home loan is interest. Many inadequate procedures with equity over time and other unthical procedures with short sale being ignored. 

My XXXX XXXX agent, attorney and free legal advise stated Selene did a terrible unthical procedure for me as a homeowner attempting to resolve loan under a short sale that was high enough to pay off the loan. 

I'm requesting my account be forgiven and my credit clear as i'm presently homeless and unemployed. A single woman at age XXXX with a XXXX XXXX however have not been able to sustain employment after having covid twice and enduring medical procedures. I have proof of everything and caring for my XXXX mother.
Product: Credit reporting or other personal consumer reports

I asked each company can they send the original documentation of myself giving authorization for them to have my information. I asked for this information a few times, I don't recall actual dates. I recently asked about a week ago and never received any information as of yet. This is my last resort to try and get something done or some help. I'm hoping I can get some much needed information to help me with long process. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the unauthorized reporting of my educational record by Nelnet to consumer reporting agencies ( CRAs ) XXXX, XXXX, and XXXX. I am deeply concerned about the violation of my privacy rights and the lack of proper authorization for Nelnet to disclose my personal information to these agencies. 

On XX/XX/year>, I previously lodged a complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning Nelnet 's unauthorized reporting. Despite my efforts to rectify this issue, Nelnet continues to report my educational record without my consent. I reiterate that I have never provided written permission to Nelnet to report my information to any CRAs. 

Furthermore, I wish to highlight that there is no valid promissory note or negotiable instrument establishing any debt owed to Nelnet. The alleged promissory note provided by Nelnet contains inaccuracies, including a phone number that does not correspond to mine, indicating that it is fabricated. I maintain that I have not entered into any contractual agreement with Nelnet, nor have I provided authorization for them to report my personal information to CRAs.

Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681b ( 2 ), any disclosure of consumer information to CRAs requires explicit written permission. I demand that Nelnet provide documented evidence demonstrating that I have granted them such permission. Failure to produce such evidence will be considered a violation of federal law.

Moreover, I draw attention to the provisions of 15 USC 6801, which stipulate that my personal information must be kept confidential, protected from unauthorized access, and maintained as private. Nelnet 's actions in disclosing my educational record to CRAs without my consent represent a clear violation of this statute.

Furthermore, I am prepared to take legal action against Nelnet for their fraudulent activities, including the forging of promissory notes and the unauthorized reporting of my personal information. I have already initiated legal proceedings against Nelnet for violations of 8 USC 1324c, and I will not hesitate to include the CRAs as co-defendants in any legal action if they continue to facilitate Nelnet 's unlawful practices.

In light of the seriousness of these violations, I request prompt intervention by the CFPB to ensure that Nelnet ceases its unauthorized reporting and that all erroneous entries related to my educational record are promptly removed from my credit reports.

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have recently noticed fraudulent activity on my credit reports. What I have found has led me to believe i may be a victim of Identity Theft, as I didn't approve any information to be used in my name. I am requesting that these fraudulent items be deleted from credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not review any notification or alerts to my credit being ran for these accounts which is concerning. These fraudulent items are reporting in accuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft my identity to the Federal Trade Commission Identity Theft affidavit in regards to this incident. I additional, I have attached a PTF document reflecting all items that were found to be unauthorized by any such
Product: Mortgage

Truist is threatening to force place flood insurance on my account. I have submitted my policy twice and they are not intelligent enough to see it.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally dispute the presence of the BMO BANK N.A. account on my XXXX report, as referenced under XXXX  XXXX XXXX; XXXX XXXX XXXX XXXX, XXXX, IL XXXX. The account is associated with the name XXXX XXXX and the address XXXX XXXX XXXX, XXXX, TX XXXX, with the reported XXXX  XXXX. 

Account Details : - Date of Closure : XX/XX/2021 - XXXX/ACCT # : XXXX / XXXX - Original Charge Off Amount : {$9100.00} - Closure Status : UNPAID - Closure Status Date : XX/XX/2021 Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), I assert my entitlement to a precise and equitable representation of my credit history. This statute imposes an obligation on information furnishers, such as BMO BANK N.A., to furnish accurate and complete information to consumer reporting agencies. 

I challenge the accuracy of the reported information and dispute the veracity of the debt in question. Additionally, I request that, in accordance with the FCRA, a thorough investigation be conducted into the legitimacy of this debt. I seek assurance that, beyond any prescribed investigative timeframe stipulated by 15 U.S.C. 1681s-2 ( a ), if applicable, the contested account will be promptly removed from my XXXX report . 

Furthermore, I request validation of the debt in question. Kindly provide comprehensive documentation verifying the legitimacy of the reported account, including details on the original charge off amount and pertinent closure information. I have enclosed the following documents, -Current Utility BILL -Current State ID -Current SSN I am cognizant of my rights under the FCRA and anticipate that XXXX XXXX will undertake a diligent examination of this matter, adhering to the statutory provisions. A prompt written confirmation of the investigation 's outcome, as well as the removal of this account from my XXXX report, is earnestly requested. 

Thank you for your prompt attention to this matter.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I applied for the loan for {$1800.00}. XX/XX/2023 I started to repay the loan {$280.00} every 2 weeks. The last payment was XX/XX/2023 for XXXX. I have paid a total of {$1400.00} will about 20 payments left at {$280.00}. for a total of {$7400.00} for the life of this loan. If you cant make the schedule payments they will double your payment and continue to add interest charges to the loan and constantly send your delinquent emails and send your account to collections. This company is hard to work with. You cant afford to miss a payment because the interest will still accumulate more. I just research and there fee is more than Louisiana would allow on loans this amount.
Product: Credit reporting or other personal consumer reports

Collection Agency requested to remove this account with XXXX XXXX from my credit report. This is not my account. 

Account name XXXX XXXX Account number XXXX Please see attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00}
Product: Checking or savings account

XX/XX/2017 Chase Bank closed my check acct. I had direct deposit from VA n Social Security. Chase failed to give me a 30 day advance notice n no reason as why.Chase had authorized payment to XXXX XXXX at that time I had XXXXDS to the good .Payment was XXXX n Chase collected overdraft fee n failed to notify me to so. As of closing my account Chase had collected over XXXXDS. On the XX/XX/2017 Chase receivedy SS payment of XXXXDSl n paid themselves XXXXDS. I came behind Chase n withdrew XXXXDS at XXXX from ATM later that day Chase closed my account n showing a negative balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX  are reporting inaccurate information on my credit report. Unfortunately, after months and months of sending letters stating error they still continue to report wrong and misleading information. I have sent letters with evidence, I have called XXXX and they said they dont report payment history so I dont know how the credit bureaus are verifying this information. 
I have sent documentation proving my on-time payments for the past 3yrs. 
XXXX is the account in error Payment History is the section of error Thank You in advance, Best Regards, Mr. XXXX XXXX
Product: Debt collection

XXXX XXXX Account number XXXX Status Account XXXX " I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281,715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. '' This account is involved in litigation.

I have been threatened by this company numerous times. 
I also have let XXXX XXXX, Experian, XXXX, and XXXX know that I have been on XXXX XXXX in the XXXX XXXX and have know knowledge of this Account in my name!
Product: Credit card or prepaid card

I had a Chase Card for  many years ( perhaps u p to 9 ), ma king on-time payments and always keeping a healthy debt to balance ratio on the card. In the aftermath of the recession, I recall making payment arrangements with them while not using anymore credit. They refused to work with me and simply closed my account and turned it over for collections.     I tried to work in good faith with them, but they were not interested in that. There is no record I can find that even shows that I missed payments with them. I believe this was abuse by a financial institution.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, fraudulent transfers valuing {$250.00}, {$210.00}, {$100.00}, {$55.00}, and {$24.00} were made from my XXXX XXXX XXXX checking account. Of those transfers, {$210.00}, {$55.00}, and {$24.00} were converted to cryptocurrency via my PayPal account. This trend of fraudulent transfers passing from my XXXX  XXXX XXXX account to my PayPal account continued for several days : XX/XX/XXXX {$290.00}, {$270.00}, {$250.00}, {$35.00} ; XX/XX/XXXX {$260.00}, {$270.00}, {$260.00}, {$240.00} ; XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$310.00} ; XX/XX/XXXX {$180.00}, {$300.00}. The total was 17 fraudulent transfers worth {$3500.00}. Of those, 15 fraudulent transfers involved PayPal ( {$3200.00} ). When I called my bank to report the fraud, XXXX XXXX XXXX gave me 15 miscellaneous credit adjustments : XX/XX/XXXX {$310.00}, {$300.00}, {$290.00}, {$270.00}, {$250.00}, {$210.00}, {$55.00}, {$35.00}, {$24.00} ; XX/XX/XXXX {$250.00}, {$10.00} ; XX/XX/XXXX {$270.00}, {$260.00}, {$200.00}, {$180.00}, covering all but two fraudulent transactions with PayPal ( which happened on XX/XX/XXXX for {$260.00} and $ XXXXor {$500.00} total ). A month and a half later, on XX/XX/XXXX, I received an email from PayPal saying [ XXXX ] Weve debited your account. [ XXXX ] Our records indicate that you received a duplicate credit from the following transaction. Because youll be getting money back from the financial institution, weve removed the crypto and any associated rewards received or the equivalent proceeds from your sale of the crypto from your balance. Because you received two credits for the same transaction, we will be debiting {$180.00} USD from your PayPal account. This debt will occur on or after five business days from the date of this email. We will email you to let you know when this debit is complete. If there is not enough money in your PayPal account to cover the full transaction amount and the debit, please add money to your PayPal account to avoid having a negative balance. I received the same email again and again as my account was debited 12 times : XX/XX/XXXX {$250.00}, {$300.00}, {$260.00}, {$53.00}, {$33.00}, {$22.00}, {$210.00}, {$300.00}, {$280.00} ; XX/XX/XXXX {$250.00}, {$170.00}, {$260.00}. I called PayPal requesting an explanation, but was left empty-handed by their support team, who referenced records that did not match mine or my banks. Since XX/XX/XXXX, my PayPal account has a negative balance of - {$2400.00}. This has not only harmed my relationship with PayPal but also XXXX  XXXX XXXX due to a loss of trust with these institutions. Additionally, this impacted both my credit score and my regularly scheduled debt payments with XXXX XXXX.
Product: Credit card

I consistently make on-time payments, of which I am certain. What I'm uncertain about is why this company is reporting me as late in certain months, which should not be the case. According to USC 1666b, any billing errors should be corrected, or they will be liable to pay me {$1000.00} for each account reporting inaccurately.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I, XXXX ; XXXX, living soul and Executor for the estate of, am writing to dispute several items on my credit report, which I believe contain inaccurate information, and violations of federal trust laws. These inaccuracies are causing significant harm to my financial standing and reputation. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that these inaccuracies be corrected promptly. 
The estate in question with associated social security number is FULL NAME : XXXX XXXX XXXX : XX/XX/year> LAST 4 OF SSN : XXXX ADDRESS : [ XXXX ] XXXX XXXX XXXX XXXX, XXXX [ XXXX ] Any and all names, addresses and employers listed outside the authorized information given by the estate in the above information is to be REMOVED IMMEDIATELY, anything that remains on the report after the request investigation will constitute trespass and you will be fined {$55000.00} USD for EACH inaccurate listing still remaining. 



The accounts in question are listed below as well as highlighted in the report attached. 
LATE PAYMENTS BEING UNLAWFULLY REPORTED : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXCCOUNTS UNLAWFULLY REPORTING CHARGE OFFS OR THAT HAVE BEEN SOLD TO 3RD PARTIES HAS BEEN HIGHLIGHTED IN THE REPORTS ATTACHED and listed below. 

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 reporting, credit repair services, or other personal consumer reports

I sent the attached letter to Telecheck on XX/XX/2021 but the Post Office returned it to sender.
Product: Credit reporting or other personal consumer reports

I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

Despite my repeated attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. The inclusion of these items has had a profound impact on my life, causing significant XXXX XXXX XXXX. It is crucial to emphasize that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 

Account- XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Month showing late payment XXXX XXXX XXXX
Product: Debt collection

MIDLAND FUNDING is reporting on my consumer report at XXXX. As a debt buyer/third party debt collector they do not have permissible purpose ( which is my consent ) to furnish this information on my consumer report because I have no contract with them whatsoever. I never gave permission for them to share my personal information.
Product: Credit reporting or other personal consumer reports

I am writing to EQUIFAX to formally dispute the accuracy of certain information in my credit report, which I obtained from your agency. Pursuant to 15 USC 1681i ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), I demand an immediate, thorough, and good-faith investigation of these items in questioned. 

I don't think your report is accurate. I challenge you to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. You should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report you sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct. Because of this, I can not say that your claims are accurate.