23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), using my identity as the primary card holder, Social Security Number on the automated system. 
XX/XX/year> called Care Credit/Synchrony Bank , to find out my ex wife used an impersonation of myself to close the account without authorization. Im looking for them to push charges further, and hold my ex-wife accountable to her actions. 
actions that were taken by you or the company. 
Actions taken by Synchrony Bank Synchrony bank let me know that the Care Credit account ending in XXXX was closed XX/XX/year> and was past the 24 Hour time frame and could not reopen the account. 
Refused to give me the documentation needed to support me in calling the 3 credit Bureaus Provided my with the phone numbers to call the 3 credit bureaus Actions taken by Synchrony Bank XXXX XXXX XXXX on the phone, to call XXXX ( Tried to get off the call/transfer to a random manager ) Stayed on the call with XXXX XXXX Listened to The XXXX XXXX state that this is not best practice, and they needed/need to provide me, the client with a reinstated account, due to special circumstances of the ex-wife closing the account, an escalation number, and told me to filed a complaint with the Consumer Finance Protection Bureau or CFPB . 
Description of Fraud : Ex-wife and I are getting a divorce. The account was paid off and closed. This prevented me from having access to my credit line, and would report negatively on my credit score to get a home for the kids/I.

A detailed account of the fraudulent charges Detailed account of fraudulent charges/activity Bills were paid to fulfill the change of closing the account {XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When you noticed the fraud and when you last used the card. 
I noticed this change on XX/XX/year> Called Synchrony Bank immediately. 

Actions Taken : Any steps you've already taken, such as when I reported to my bank / credit card issuer Looked for any communication between XXXX that she would look to make changes, there is none. 
I called Synchrony Bank to learn the details of the last transactions on the account, who closed the account, with what information, when, and their phone number. 

Documentation : Copies of any relevant documents Upload Documents from XXXX Drive/Computer Request for Action : What resolution you are seeking In Writing ; documentation that the Authorized, not primary user, using ( XXXX ) XXXX used impersonation of XXXX and his SNN on the automated system to shut it down. 
Im seeking the resolution of a reopened account based on special circumstances Im seeking : Reopen the line of credit due to special circumstances. Wife closing account for husband without permission of him/the primary account holder. 

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

I am a victim of identity theft. Due to the Corona Virus pandemic we are all facing which had me sitting at home and I saw the recent news about multiple XXXX  data breaches I decided to look at my credit reports from the 3 Major Credit Bureaus. I found that someone has used m personal information to obtain a credit card. I contacted the credit bureaus and I was told to file and Identity Theft report which I am doing right now. I am writing a request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I appreciate your effort to get this matter resolved. Thank you.
Product: Payday loan, title loan, or personal loan

I borrowed {$500.00} from the company that advertises regularly on television called RISE. I paid them back  five m onthly at {$160.00} / month.   Now they want a further {$750.00} in " interest '' that was n't made clear to me at the beginning.
Product: Credit reporting or other personal consumer reports

XXXX is obligated by the FCRA to report accurate accounting, consumer has advised all the inquiries report it was fraud said company had four days according to law to remove such items. FTC fraud was filed on behalf of consumer, consumer is now requesting XXXX to provide the documentation used to determine inquiry was indeed authorized by the consumer XXXX has 15 days to provide me with the name of the person spoken to, documentation use, signed application with consumer wedding signature, consumer is not asking for an XXXX XXXX report. If XXXX does not have documentation to show these were in fact authorize it must be removed ASAP. Said company is liable under the SEC to follow certain rules. XXXX commission valid number. XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. I will be filing form XXXX treasury OMB forms to audit consumers account XXXX is secure enticing consumers data yet refuse to provide consumer copy of their consumer file not consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX Verse XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX A XXXX XXXX XXXX Bank XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, Section 611 ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1800.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$350.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$1200.00} Original creditor XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Opened XXXX XXXX, XXXX + {$1100.00} Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Opened XXXX XXXX, XXXX + {$550.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Opened XXXX XXXX, XXXX + {$170.00} Original creditor XXXX XXXX XXXX XXXX XXXX FL The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute the following items off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 TransUnion : XXXX XXXX XXXX XXXX {$5400.00} XX/XX/2019 XXXX XXXX {$5800.00} XX/XX/2019
Product: Checking or savings account

My debit card was charged 6 times between XX/XX/22 and XX/XX/22 for a total of {$480.00}. They were all done at XXXX in XXXX and 4 of the transactions were for {$85.00} each. 2 transactions happened on XX/XX/22. I reported these fraudulent transactions to Chase as I did not make them and I have never lost my card nor have I given anyone my PIN number. Chase denied my claim. I then submitted proof that I was not in XXXX at the time the they were made by providing my employers timecard but they still denied it and said there is nothing else they can do. They are not able to tell me the exact gas station as there are several shell gas stations in XXXX. I don't know what else to do as this is the 1st time this has happened and the bank is unwilling to help me and said I have to take the {$500.00} loss which I canf afford to do. Please help.
Product: Debt collection

Debt collector sent letter requesting payment for two year old debt ( XXXX XXXX, XXXX ), owed hospital/E.R., physicians ( {$320.00} ) that was paid, partially by XXXX ( XXXX XXXX ), hospital write off leaving balance {$26.00} paid by patient. NO WAY hospital would have held onto this balance for nearly 2 years. My efforts to obtain the information from collection agency AFS, about who ( name, phone number ) submitted this claim has been non-compliant. They only want my credit card info for collection purposes. I am following the advice of my insurance company who have offered to supply information supporting my claim, as well as hospital records, if needed. I feel the collection agency has illegally obtained outstanding medical records, declined, perhaps, by XXXX.
Product: Vehicle loan or lease

On XXXX2021 I, a consumer, a natural person, received Pre-qualification Letter from XXXX XXXX XXXX XXXX for {$50000.00}. XXXX-2021 I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX and spoke to Finance Manager XXXX XXXX about using my pre-qualified XXXX XXXX letter to purchase an vehicle. He told me that they don't accept XXXX XXXX after asking me to fill out a credit application. After I extended my credit, XXXX proceeds to tell me that the only way I can purchase the vehicle is with a cash down payment, add a joint applicant or will talk to XXXX Finance Director to " see what they can do. '' and XXXX will get back to me. I followed up with XXXX XXXX who told me there was nothing he can do. I left voicemails with XXXX XXXX, Financing Director to call me back and he never did. In Summary, FORD MOTOR CORP and XXXX XXXX XXXX took adverse action against my rights as a consumer by denying my credit, Discrimination with respect to any aspect of the credit transaction pursuit to 15 US CODE 1691, and unfair deceptive and abusive acts of practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete any other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. My address should read : [ XXXX XXXX XXXX XXXX XXXX XXXX  ] [ XXXX, Mo XXXX ] Employer : XXXX Phone Number : ( XXXX ) XXXX Social Security Number:XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting my debt to the bureaus incorrectly My balance on my account is {$16000.00} They are reporting {$190000.00} Ive called and they can validate the amount but wont correct the issue Violation of code 1681B s2 My auto contract states that I was insured with XXXX I never had XXXX. Insurance information on contract incomplete & incorrect I was insured by XXXX XXXX XXXX the day I left the car lot A lot of inaccuracies
Product: Debt collection

I been in bankruptcy since 2009 and this debit is XXXX years old and collection calls XXXX time a day
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account XXXX - XXXX i hereby dispute the validity of the alleged debt listed above Entirely, Also request verification of the alleged debt, Specifically, a copy of the ORIGINAL PURCHASE AGREEMENT, Agreenents must be with the original creditor and signed by all parties involved. XXXX requesting this because I have had different companies reach out to me about this same alleged debt. I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, Equifax, XXXX and XXXX. You must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that accurate and complete thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the above-mentioned student loan payment history on XX/XX/XXXX, XX/XX/XXXX. Be advised that there are no regulations promulgated by the DOE and the FCRA that restrict you from updating/correcting past payment history. By failing to update previously reported information, Navient is in violation of Section 623 ( a ) ( 2 ) of the FCRA. Be advised that the Holder Rule protects consumers claims & defenses against a creditor or assignee 16 C.F.R. 433. 



I have attached an FTC advisory opinion which interprets Section 623 ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). Please see lines 5 & 6 of the attached FTC advisory opinion. 



The advisory opinion goes on to state that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct even if the loan was correctly reported as delinquent, but has subsequently been paid. 



Navient representatives told me that because the delinquent payments were accurately reported previously, they would not update their reports to the credit bureaus to show that the payments were now paid. However, Section 623 ( a ) ( 2 ) clearly states that the reports must be updated/corrected regardless of whether they were accurate at one point. 



Therefore, my credit reports do not accurately reflect what was set forth by the FTC Advisory Opinion to XXXX ( XXXX ) with regards to the Fair Credit Reporting Act ( " FCRA '' ) on the reporting by educational institutions of additional information to credit bureaus about defaulted student loans. I am therefore requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the above-referenced account showing late payments in XX/XX/XXXX be updated and corrected.
Product: Mortgage

I have never been late on a mortgage payment. While going through the bankruptcy process I was never informed I would need to complete a reaffirmation agreement so I am no longer allowed online access to my mortgage/online account. For the last few months each time I contact this company they transfer me to the Bankruptcy/collections department which usually ends up in a voicemail that is not returned or long hold times. As of today I have called this company 3 times already just trying to make a payment by phone. I first called this company at XXXX, was on hold for 12 minutes before being put into someone's voicemail. I called again at XXXX and was on hold this time for 15 minutes. The receptionist who picks up the line after 15 minutes starts discussing how that department is short staffed and I can either leave a voice message or wait on hold. After telling her I would hold she disconnects the phone call. I am currently on hold for a 3rd time today since XXXX ( over 15 minutes now ). As I am writing this complaint I am on hold ... to make a payment. The receptionist that picked up on my 2nd phone call asked me to call back on Monday. I explained to her my payment is due by the XX/XX/XXXX, so if I call back on Monday to make the payment it will then be late and therefore I would prefer to hold and not leave a message ( to make my payment, on time ). Since I was disconnected I have had to call back to attempt to make my payment on time today. 
I would ask that this company allows me online access to my account to at least make an online payment before my due date. If I can not reach someone by phone to make a payment on time I should have an alternative option to make a timely payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my Experian credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by Experian can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. 
XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. XXXXk XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, EQUIFAX, and XXXX  permits the debt collector XXXX XXXX XXXX to report derogatory medical collections bills on complainants credit reports. The complainant is presently applying for a mortgage loan modification in which may be adversely affected because of these inaccurate reportings since at the end of the day the Affordable Care Act contained a mandatory health insurance requirement that compels healthcare providers to provide adequate information about enrolling in a health insurance plan such as XXXX in order to give the physician informed consent.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am writing a complaint against XXXX, Trans Union and XXXX. I've sent them multiple complaints stating they are reporting inaccurate information across all 3 credit bureaus. They keep sending me stall letters stating that someone else is sending my disputes or they send me Verified letters. I have proof that they are not doing their due diligence to correct or remove items on my report. They are still violating the FCRA laws. I have letters from them stating they Verified the accounts but I still see inaccurate dates, balance and status on my reports. Please investigate this for me thank you
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. When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/2007 Balance : {$0.00}
Product: Mortgage

I was sent a letter stating that my payment would increase unless I paid an escrow shortage. I submitted the requested payment of XXXX. The following month, I received a call informing me that my payment had not been received and they wanted to make payment arrangement. 

My payment is made via my banks auto pay so I knew it was made. Upon research, he then told me the payment was received but it wasn't enough to been cover my amount due, so that payment had been suspended until the full payment was made. 

I explained that my payment is made automatically every month for the same amount. He then saw that my payment had increased by approximately 100.00. I asked why did my payment increase when I submitted the escrow shortage, and  was told the payment was mistakenly applied to the principal instead of the escrow shortage. I was then told that my monthly payment would continue to be suspended until they corrected the error, which should take a few weeks. In the mean time to keep making my regular payments at my current amount due. 

I received more calls saying my account was deliquent. Despite making the monthly payments as directed. I had to explain what I was told and after reviewing the account and notes they directed me to keep doing as I was. 

Then received several notices of Intent to Foreclose from a company XXXX XXXX   on behalf of PHH mortgage. As well as a notice of late fees applied. I called to find out what was going on and was told that my payment had not been received until after the past due date. Which was false. There records show that they received my payment on the XXXX and didn't apply it until the XXXX. Then charged me a XXXX late fee, and also sent an un I ask that you investigate this event and see if this is a pattern of fraud by this company.
Product: Credit reporting or other personal consumer reports

In XXXX i noticed that i had an account that i didnt recognize, after some investigation i found out that my ex wife opened it without my knowledge. This is clear and cut identity theft and i have done everything they asked me to do but they still havent removed it from my credit