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

I cosigned a loan with Synchrony Bank/Care Credit for my daughter. She is a single mother and having a difficult time financially. She missed payments but probably out of embarassment did not tell me. I could have paid the loan off. The account went to collections. I was not notified in any way. I found out about the problem when I applied for a Home Equity Loan. I contacted the bank and was told that because I was not the " principle '' they could do nothing for me. This issue remains on my credit report causing credit rates to be at higher levels. This is an unfair practice. Why bother with a cosigner? I took this problem to the company through XXXX and received a long inarticulate letter stating that they would not do anything to address the issue. This constitutes an unfair lending practice.
Product: Bank account or service

I order my early warnings consumer report after being denied a checking account with XXXX 
i have found that there are XXXX XXXX XXXX accounts showing on my file with a different ss # and different address that does not belong to me. 
it has been over 30 days and the information has not been removed. It should not be allowed for any credit reporting agency to put derogatory information that belongs to someone with a different social security #, different address & email account. 

this incorrect derogatory information is affecting from opening a checking account. i need this removed immediately.
Product: Checking or savings account

Chime bank whose headquarters are located at XXXX XXXX XXXX in XXXX XXXX CA XXXX phone # XXXX closed my account without reason or warning on XX/XX/XXXX while there was still {$1800.00} remaining in it. On XX/XX/XXXX chime support emailed me stating they sent my remaining balance via mail in a check form and I should receive it XX/XX/XXXX. On XX/XX/XXXX I emailed chime notifying them I never received it and they stated they could cancel the one they previously sent and send a new one and stated on XX/XX/XXXX it would be sent. Its now XX/XX/XXXX and I still do not have my check nor gotten a reply from chime since then. Everytime I reach out they state they are working on it its been a week now since they said they would sent it and still no one can confirm its been sent.
Product: Payday loan, title loan, or personal loan

I purchased appliance on a 120 days finance cash offer form XXXX XXXX in XXXX XXXX and American First Financial ( AFF ) finance the purchased ( {$1400.00} ). Made payment of {$140.00} every 2 weeks. No problem no issues. However, after the 120 days were up, I'm waiting to get a notice with the final payoff balance, nothing but they continue to take the payments out ; so finally, after several additional payments came out ( {$1600.00} total ) I called AFF and inquired about the payoff balance and was told at that time the payoff balance was ( {$1400.00} ). So, I asked why, and I was told I miss the payoff date and therefore a maintenance fee was assessed. The cost of the appliance double. When I stated this to the rep on the phone, she said she can give me a discount and I can pay off the balance for ( {$890.00} ). I am cool if there is an interest that I have to pay for financing the appliances ( washer/dryer ) but for the interest to be assessed at 85 % -100 % is very predatory practices on the part of the lender. I tried to negotiate a reasonable payoff balance since I have already paid over {$1600.00} for the appliance that were supposed to cost under {$1500.00} but the rep said there was nothing she could do, and that no supervisor was available for further resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out an account named affirm inc was opened up in my name when I received my credit report I contacted the company and informed them that the account was Fraud, I provide a police report, I provided a FTC report, I provide My ID, I even filled out their Affidavit that they told me to fill out and they are still stating that the account is mine even though I provide multiple information. I have been dealing with this since account since 2018 they have had collection agencies call me about this account even though they know the account is fraud
Product: Credit reporting or other personal consumer reports

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

- Account number : XXXX, Account name : XXXX - Account number : XXXX, Account name : XXXX - Account number : XXXX, Account name : XXXX XXXXXXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXXXXXX I looked at my credit report XXXX XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute XXXX Despite being approached by LVNV Funding LLC XXXX XXXX an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for XXXX Mail XXXX XXXX 15 USC 1692g , debt XXXX are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXX It has come to my attention that LVNV Funding LLC XXXX XXXX authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Product: Credit card

XXXX XXXX charged me {$XXXX} interest on a closed card that had the balance paid in full. They waited XXXX  days to charge me this interest and stated it was from XX/XX/XXXX when I paid the card of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to published credit bureau of York on credit report. I've sent certified letters and continue to place on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian consumer membership platform suddenly showed XXXX points drop retroactively ( backwards 6 months lowered from Excellent to Good ), while other platform services, including reuse of Experian 's data remained intact ( XXXX points higher in the 6 months unaltered ). 

Informed Experian, but customer service kept sending feedback as they do not control FICO calculation, instead of investigating how the consumer platform and possibly its own record keeping system could have been compromised to lower XXXX points backwards in time for 6 months. 

The annotation of few points lowered this month, does not equate to about XXXX points displayed lowered.
Product: Debt collection

This company is violating My consumer right to privacy pursuant to XXXX XXXX XXXX. Company has no permission to report my information, per XXXX XXXX XXXX 

I asked for the original contract from the collection agency with my signature, never received it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved my cusumer Reports and notice there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy I contacted to XXXX and asked them to investigate & remove the inaccurate accounts from the consumer report that they are illegally reporting and I requested specifically the original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item ( s ) may not appear on my credit if it can not be supported by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I see on my credit report there are 2 inquiries from XXXX on XX/XX/2022. This shouldn't be 2 separate inquiries, it should be 1 inquiry. I did not authorize 2 inquiries on the same day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigation Request Letter To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 
XXXX XXXX XXXX XXXX XXXX XXXX  Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area. 
Thank you for your time and help in this matter.
Product: Credit reporting

Starting in XX/XX/2013, someone used my name and my address to create checks, and a fraudulent checking account. I filed a complaint with the FTC ( ref. XXXX ) and a police report ( RN. XXXX ). I recently found these checks on my credit report which does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was enrolled in school and did not have to pay back my loan st the time. However, I got charged a late fee. Ive tried getting this resolved but the late fee shows up. Being that there are various nelnet loans it shows as if I have various late payments its not accurate or fair that this is on my credit report
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a payment to Bank of America from XXXX 's online bill pay. I inadvertently added a zero, making a payment of {$19000.00} instead of {$1900.00} USD. I contacted them on that date and three times since and they still, as of XX/XX/10 have not initiated return of the $ 16,000+ which I requested. The most recent excuse was that they had to elevate my request for return of my over payment because it was a large amount. This last excuse was 8 days after collecting my banking information and promising a return within two days.
Product: Debt collection

This is so annoying & frustrating. Ive sent TRANSUNION multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Transunions responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.
Product: Credit reporting

XXXX was not included in my bankruptcy. The account shows closed. This is incorrect. I have been making monthly payment to them directly.
Product: Credit card

I have had a XXXX XXXX account for many years, and have used it to make purchases/pay them off - always on time but often early - using their interest-free feature. They use Synchrony Bank to 'handle ' this account. The sudden decrease had an immediate and negative affect on my credit scores. I have already complained directly to Synchrony Bank, and received a series of reasons, none of which were valid, and at least one which was absolutely untrue. ( That complaint has now gone to the XXXX XXXX XXXX, as the reply given through CFPB was not satisfactory. I am therefore making a complaint about XXXX XXXX, as they are directly responsible for my no longer being in a position to use my account, as any purchases I would wish to make far exceed the {$100.00} limit. I was a great customer, and I have many XXXX products. The fact that XXXX cares so little ( if at all ) about the damage Synchrony Bank is doing to the credit scores of thousands of its customers is both bad business and, in my case, as at least one of the " reasons '' given for the precipitous drop in my limit was utterly invalid ( they said I was paying off my mortgage debt 'too slowly '. I own my own home, with an estimated XXXX XXXX equity, and the only mortgage debt I have is a very small HELOC and an energy loan, both of which are always paid on time in accordance with the term set out by my lenders. )
Product: Credit reporting

I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

submitting a complaint with the CFPB To Investigate outstanding accounts with conns and past accts. I have added the account information below to the Conn installment loan I am inquiring about *CONN APPLIANCES INC account # XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

21st mortgage is reporting correct except there are some blank spaces on some months that need to be marked ( ok ) not blank. We have never missed a payment or late. 
Factual inaccuracies dates are not consistent with other agencies. Term of loan is blank on equitable and need to be fixed XXXX  and XXXX are the ones that are missing correct reports this needs to be fixed asap. And reflect on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to Transunion requesting a method of verification for a bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded with a letter stating that the bankruptcy was verified as accurate, but not how it was verified or who it was verified through. 
On XX/XX/XXXX I sent a letter to Transunion again asking them to provide their method of verification on the bankruptcy listed on my credit report. 
On XX/XX/XXXX Transunion responded stating the bankruptcy was verified by the bankruptcy court. 
I then went to the bankruptcy court and they stated they do not report bankruptcies to credit bureaus. I received a letter stating this for proof to send to Transunion. 
On XX/XX/XXXX I sent a letter to Transunion with the enclosed letter from the courthouse stating the bankruptcy was still considered unverified as the bankruptcy court did not verify the item as Transunion had said. 
on XX/XX/XXXX Transunion responded stating the bankruptcy was still verified by the bankruptcy court.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX