23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

back in XX/XX/2014, there was a discrepancy with my BOA account. At the time I was XXXX, and not fully aware of what happened. The bank never explained to me initially what happened all they said was that I owed them about $ 200/300. They had closed my account. They said if I paid them out in full then I could just open my account again, of course, THEY LIED! it was never explained to me what XXXX was. I actually did not even know until I tried to open up another account and was denied. I was furious. They said to get my credit report talk to the XXXX   people they can remove if I did a claim, they gave me the runaround and honestly, It frustrates me writing about this 4 years later and I still can not open up any type of account. Even places that don't use XXXX. I'm not sure what type of hold they have on my SSN, but it's going to cause me to be homeless ( I'm already carless now ). It's just one more year until it's off. But I need this to be lifted immediately, I paid them in full literally as soon as this happened and no one wants to help me, I've cried, screamed, yelled, I've even just not talked at all about it, this is by FAR the most emotional thing I have ever been through it's so sad that I am trying to build my credit and there is nothing I can do, I can't get approved for anything at all. Please I just want it fixed This is my final cry for help before a breakdown
Product: Vehicle loan or lease

XXXX XXXX I purchased A XXXX XXXX XXXXXXXX XXXX truck from XXXX dealership located in XXXX Texas. The vehicle was delivered to me after I went through every step including a down payment of {$1500.00} to get approved and delivered to my front door. After getting the vehicle and driving it for 30 days my temporary tags expired on XXXX. This company sales taxes are included in the finance charges.I then asked about the permanent license plate and never received answers. XXXX XXXX temp tags expired. I wasn't able drive my truck 3 weeks due to them not answering my email and hanging up in my face until one day I push a number as if I was purchasing a new vehicle received another temp tag XXXX XXXX which will expire on XX/XX/XXXX not having those a full 30 days. I still have no true answers to when I would receive my permanent tags besides they needed to request a duplicate title. So I'm not sure why they didn't do that before selling the truck. It takes them weeks to get them to request my temp tags when I do call.
Product: Credit card or prepaid card

Synchrony Home Customer Support XXXX XXXX XXXX XXXX, FL XXXX Dear Synchrony Home Customer Support, I hope this email finds you well. I am writing to request your assistance in resolving a recent issue regarding a late payment and negative credit reporting associated with my account. I have been a valued customer of Synchrony Home since XXXX, and I have always strived to maintain a good payment history with your company. 



Unfortunately, due to unforeseen circumstances, I encountered a significant challenge that affected my ability to make a timely payment. I contracted a documented case of XXXX, and as a result, I have been recovering from the illness over the past few weeks. This has caused a disruption in my usual routine and created financial difficulties during my recovery period. 



I would like to bring to your attention that federal laws, such as the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act and subsequent legislation, have provided protections for individuals impacted by the COVID-19 pandemic. These laws encourage understanding and flexibility in accommodating payment delays due to documented cases of illness. 



Additionally, the Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies and creditors ensure the accuracy and fairness of credit reporting. In light of my extenuating circumstances, I kindly request that you reconsider the late fee associated with my account and remove any negative credit reporting that may have occurred as a result of this isolated incident. The FCRA encourages creditors to make reasonable accommodations for individuals facing temporary hardships beyond their control. 
I want to emphasize that I value my relationship with Synchrony Home and have always made timely payments in the past. As evidence of my commitment to resolving this matter, I recently made a payment of {$500.00} towards my account, and I plan to pay off the remaining balance in full before XX/XX/XXXX. 



Considering my situation and the applicable federal laws, I kindly request your understanding and assistance in resolving this matter. If necessary, I am more than willing to provide any additional documentation or information that may support my case further. I hope we can find a solution that is mutually beneficial and preserves our positive business relationship. 



Thank you for your attention to this matter. I look forward to your prompt response and a satisfactory resolution. 



Sincerely, XXXX XXXX Last 4 of SSN : XXXX XXXX or XXXX New Phone Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX and TransUnion refuse to remove incorrect information on my credit report. I filed and disputed identity theft multiple times and they keep denying my disputes and leaving the incorrect marks on my record. All of the hard pulls on my credit report are NOT me and inaccurate. A closed collection from XXXX XXXX  is NOT me. It needs to be removed as well. I have closed credit card accounts and store card accounts that are closed or delinquent. Those are completely inaccurate and must be removed immediately.
Product: Credit card or prepaid card

In XXXX, a store clerk at XXXX XXXX pulled up an account when I said I didn't have my XXXX  card with me. Unfortunately, they pulled up an unused acct that I had not used in years. When the bill came in the mail, I used my usual bill pay account to pay the bill in FULL. When I got a second bill, I figured the moneys must have crossed in the mail. When a bill arrived on the third month, I again paid it in full on my usual account. When I rec 'd two statements for XXXX XXXX a fourth month, I realized I had a credit of almost {$400.00} on one statement and a past due on the other. I figured out I had been paying the wrong account and called XXXXcredit card company. I asked them to please use the funds from the amount of credit to pay off the one account and send me a refund for difference. I called again a week later to find nothing had been done and asked again. Weeks went by. I wrote a letter requesting thed refund. The company refused to refund any of the bogus charges they made, issued me a refund for maybe 50 % of the amount due. In the meantime, my XXXX score was lowered over XXXX points, XXXX XXXX canceled my card, and it will take months if not years to repair my credit. I want a refund of the entire amount I paid in good faith to XXXX  minus the {$130.00} in goods I purchased. The CC has refused to respond or issue a full refund. They believe they have the right to keep monies for late charges, interest, etc. They also did NOT accurately resolve all issues with the 3 credit reporting companies which continues to be an issue with my credit scores. I want ALL negative information removed from my credit reports, not just 2-3 months worth.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I chatted with a customer service rep who ask me the fraud questions and I answer them she didn't enter a fraud claim but a complaint and I have the screenshot showing her the information requested. I chatted with several different customer service reps since then telling them a claim was not enter on XX/XX/XXXX and i should hear something on XX/XX/XXXX and i haven't heard anything or is their provisional credit on.my account. I even talked to a customer service rep who told.me the claim was enter he could enter but i would have to wait 10 days from the day the claim was enter. XXXX XXXX.hasnt changed anything still acting they were before not adding provisional credits like they should. The customer service are not listening to the consumers is all scripted material. CFPB NEEDS TO KEEP CLOSE EYES ON THEM. THIS IS NOT FAIR TO THE CONSUMER FOR THEM TO CONTUINE ACT LIKE THE LAW DOESNT APPLY TO THEM.
Product: Money transfer, virtual currency, or money service

XX/XX/year> {$50.00} contacted company and was told nothing could be done.
Product: Student loan

My XXXX Loans date back to XXXX, but the servicer Mohela has them dated XXXX XXXX 
I have been paying my XXXX Loans for over 20 years an I qualify for Loan forgiveness. 

Thank you Sincerely, XXXX XXXX
Product: Student loan

My monthly loan payments have been inconsistently applied to principal and interest -- with the majority being applied to interest ( in some months XXXX % of the payment is applied to interest ) -- over the past several years, even though my loan is a fixed rate, and the payments were made in equal amounts and on approximately the same day of each month. I have requested my loan documents from my lender by telephone and in writing, and I have requested an explanation from my lender by telephone. The lender has not provided the documents or an explanation of the inconsistent application of my payments.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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: Credit reporting, credit repair services, or other personal consumer reports

Although my car loan is paid off and I have a letter from the lender to that effect, XXXX still reports that I owe a charge off of {$6400.00} to the lender. All effort to try to correct this wrong has been fruitless. The lender told me that they sent a letter to XXXX to try to correct the wrong to no avail. I sent a letter requesting that this foolish report be remove from my credit file and I even even enclosed the the title of the and paid off letter to no effect.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am a victim of identity theft and human trafficking. 
I write to dispute certain information in my file resulting from the crime. Just so you know the items I am disputing do not relate to any transactions that I have made or authorized. Please make Experian comply with the Fair Credit Reporting Act and remove these fraudulent accounts from my Credit file. 
XXXX fraudulent accounts are showing up on my Credit Report, these accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX fraudulent account 's XXXX XXXX XXXX XXXXXXXX ) opening date is XX/XX/XXXX ( When I had not even stepped foot in the United States, had no Identity, and no Social Security Number ). I arrived in the United States as a XXXX in XX/XX/XXXX. It was physically and scientifically impossible for me to open that account. You can see that my Social Security Number was issued after the opening date of this fraudulent XXXX XXXX XXXXXXXX account. 
I entered the Country for the first time back in XX/XX/XXXX and before that, I was XXXX and XXXX out of XXXX because of XXXX XXXX and into XXXX until I finally came to the United States. A lot of people had access to my Passport/Identity documents along the way, which put me at extreme risk of Identity theft and for my sensitive documents to be compromised. 
The above XXXX items are inaccurate because they do not belong to me, are fraudulent, unauthorized by me, and are a direct result of criminal Identity theft. 
I have only ever opened and authorized XXXX Credit Cards in my lifetime, they are both from XXXX XXXXXXXX opened in XXXX, and those plus XXXX auto loans are the entirety of my CORRECT and AUTHORIZED Credit History. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, to section 605B of the Fair Credit Reporting Act and section 605C of the Fair Credit Reporting Act ; I am requesting that the XXXX fraudulent items be fully removed. 
Attached are Proof of my Identity and address, copies of the Police report, an Identity theft report supporting my position, first issued Social Security number demonstrating that the fraudulent XXXX XXXX  XXXX account was opened before even I arrived in the country and had a Social Security number. Also attached is my XXXX XXXXXXXX by the Department of Homeland Security XXXX years ago proving that I was an XXXX and victim of XXXX 
Please have Experian comply with section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, section 605B of the Fair Credit Reporting Act, and section 605C of the Fair Credit Reporting Act and delete the disputed items as early as possible. 
It seems unfair that the only way for me to get these off my Credit report is to file a lawsuit against Experian. 
I hope that the Consumer Financial Protection Bureau can end this never-ending nightmare for me. 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX I called credit acceptance because I noticed the last bit of my payment didn't come off on the XXXX like it usually does. I didn't think much of it at the time, thinking it would charge me the next day. Not until I checked my credit report and noticed I dropped 56 points. The company had marked my XXXX payment as 30 days late when not even a day has passed. I called on the XXXX and was not even able to get an answer to how this happen. They just wanted me to pay what was due which was XXXX and some change. The first gentleman didn't even try to listen to me stating my payment was XXXX, and once I paid this off the account would be closed. I finally got to send a dispute on behalf after questioning it several times. I had questions on how this can happen, and he absolutely refused to help me what so ever. Just trying to get me to pay despite my understanding it should have been taken out of my account already. I finally went to pay over phone and there was a fee attach to pay over the phone. So not only did they drop my credit score for a payment that was never late, but they wanted me to spend extra to pay what was left. I called to get a person again, and once more had trouble getting any help. The woman stated my auto pay was canceled and said I must have canceled it. Which is not true. When it was set up I was told it would go until I didn't owe anymore. Again it was hard to get any answers out of her. When I asked about me getting marked late she said I've been late on my payment which is not true. I had one late in XX/XX/2016 which I quickly cleared up. In almost 3 years I've been on top of payments and not once was I ever told I was behind. She remarked saying I rarely called and I let her know I didn't have a reason to call. My payments came out on time with no worries all 3 years. Honestly I'm extremely frustrated because I've been working so hard to get my credit up, and at the whim of this company they decided to mark me late for no reason. Then when I try to get an answer I get no help just saying to pay the rest to close the account. Then the real kicker is make me pay a small fee to pay off the rest of my account. The money isn't the issue here. It '' s the fact that the customer service was utterly lacking and has an impact on my credit score. If I try to finance a car again, and it had to be with this company again. I'll just take an uber until I can pay the car off fully in cash. 

P.s I'm adding screenshots to show how I've been on time for 3 years. How this has affected my credit score. Proof that I paid the remaining amount off. I dont have my bank statements included because I'm not sure if you wish to dig thru 3 years of bank statements, but I will be happy to provide that if it comes down to it.
Product: Credit reporting or other personal consumer reports

I am filing this CFPB affidavit complaint to request, pursuant to FCRA 605B or 15 U.S.C. 1681c-2, that you, the TRANSUNION Credit Reporting Agency , block informations appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint.

The fraudulent, inaccurate, and false information consists of : 1- Fraudulent accounts : XXXX XXXX XXXX  opened on XX/XX/XXXX3, US dept of Ed opened on XX/XX/XXXX, US dept of ed opened on XX/XX/XXXX, dept of edXXXX opened XX/XX/XXXX, dept of edXXXX opened on XX/XX/XXXXXXXX XXXX XXXX opened on XX/XX/XXXX 2- Unauthorized inquiry : XXXX XXXXXXXX on XX/XX/XXXX Those accounts are results in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit reports. I attach a list of the hard inquiries in question, as well as a copy of the consumer FICO credit report maintained, which shows the mentioned fraudulent items. 

I do not recognize the mentioned accounts, collections, or hard inquiries as reported. Those accounts, collections, and hard inquiries appearing on my consumer credit report maintained by me were not opened, made, or initiated by me. All of the stated accounts, collections, and hard inquiries are the results of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint number XXXX as proof from the US Federal Trade Commission that all of the mentioned consumer credit accounts, collections, and hard inquiries are the results of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

rsonal Statement Personal Statement Personal Statement Personal Statement i am writting to formally request the removal of fraudulent accounts and inquires ihave been a victim of identity theft my information has been exposed in multiple data breaches that resulted to fraudulent accounts opened in my name and also attempted to be open in my name those accounts are as follows : TRANSUNION : XXXX XXXX XXXXXX/XX/XXXX ; {$940.00} Acct # ( XXXX ), XXXX  XXXX XX/XX/XXXX {$190.00} Acct # ( XXXX ). 
FRAUDULENT INQUIRES : according to SECTION 623 ( A ) by law i am entitled to dispute fraudulent, inaccurate, incorrect and incomplete information on my credit report so remove these items immediately
Product: Debt collection

In XX/XX/2019 a company named National Credit Systems from XXXX, GA contacted me in XXXX XXXX, TX by letter and email. They stated that I owe them XXXX dollars for the owner of XXXX XXXX in XXXX XXXX, TX. They have continued to gain these monies by sending threatening lawsuit letters to me and my relatives. I have asked them in XX/XX/2019 to send me verification of this debt and they have not or refused to. Being that this company is located in another state I do not know how to validate or dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is using stall tactics and stating that a Third-Party is disputing when I am disputing this myself ... You all need to stop allowing these credit bureaus to do anything they want to with regards to peoples credit. I am uploading another letter and I want these my original disputes completed within 15 days and results mailed to me. 

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

You have 30 days to remove this from my file. They wrongfully pulled the wrong social security which linked to my actual account. This is NOT a factual record and I am demanding you guys remove this from my credit report, Or Ill seek Finanical Damages as this pulled 5 points from my credit file. I spoke to XXXX XXXX XXXX and they already sent you an email demanding you remove this from my credit file. 

However my credit file still shows this on my record - It was not " factual '' it will NOT stay on my credit file for " two years ''. The next step after 30 days I will seek an attornery and sue you in court. The point of contact was XXXX from XXXX XXXX I attached the emails she sent out - She also contacted XXXX, TRANSUNION, XXXX  and told all three of you that this was fraud and to remove it from my file back on XX/XX/2018. They told me it would take 72 hours to reflect my credit file, You profit off of bad credit so I am demanding the removal within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMORGAN CHASE did not do an adequate investigation into my complaint no. XXXX. I requested copy of disclosures, or affividits in this complaint but cfpb did not attempt to get from merchant before closing the case. The affividits must explain decision making stating " Whether their is a destination, from a layman consumer, like myself, Whether it was sufficient to convey how a hard inquiry vs soft inquiry into ones/my credit report would affect the consume or my credit rating. The letter responding to my complaint was complied with. Also, the 30 dy late trameline is in error. See weblink .https : XXXX? src=rss this article denotes large amounts of credit errors are occurring during COVID19. I think that it has been happening all along, just like so many social issue to can to light during COVID19. I incorporate by reference the attached letter sent to merchant recently on today.
Product: Checking or savings account

I started a purchase on Paypal and tried to cancel it, as I became concerned that the site was fraudulent. Even though I tried to cancel, it went through. I tried to contact the seller with no success. I did not receive an invoice or receipt showing that I had actually ordered my item, but the money was set to come out anyway. I contacted Paypal and informed them immediately so they could stop the transaction but they said they had to wait XXXXdays. I then submitted a dispute and they said it could be up to XX/XX/XXXX before I would have an answer. I just checked recently and found out they immediately closed the dispute saying the money was paid to the seller. I am no longer able to open this claim or ask for it to be reopened. I tried clicking on the message seller button and it says " you're unable to send this user a message ''. This user is a scammer and they took the money but didn't send anything. Paypal didn't even give me a chance to really dispute it before saying the seller got the money as requested and closing the case.
Product: Debt collection

On XX/XX/2020, I was called while on the job after i had told them i could not get phone calls before and after XXXX, I was called 3 times in a row. I had told XXXX XXXX if it was necessary for her to call 3 times in a row. Her response was because i was not answering. I had made arrangements on this school loan with someone else, so not sure why I was being called by them. I had made them an arrangement to pay {$50.00} to make an arrangement with them ( i told them i would call and let them know '' However {$2000.00} was being withdrawn from my account on Saturday the next day which i stopped. I called today and told them i had made arrangements with someone else, but XXXX XXXX kept cutting me off, so i got irritated. She said shes going to contact my HR and hung up on me. 

This company is DRS Processing
Product: Credit reporting

I have a few incorrect info on my credit report that needs to be corrected