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

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report i noticed a ton of errors with incorrect and false information. Also please note that I checked the source and my data was affected by the XXXX data breach as well as the XXXX XXXX data breach. Which is extremely unfortunate for me. Those breach 's have caused false account attempts ( inquires ) false addresses and even as far as accounts that do not belong to me that were open. On XXXX i sent a letter out to the said consumer reporting agency Transunion as of todays dates XXXX i have not received a response from them. in my letter i did inform them of the false and negative information and how with my credit report not reporting 100 percent correct as it is supposed to that they have violated me as a consumer which also means that the consumer reporting agency has civil liability for willful non compliance. i understand that it is the CFPB place to govern them. Please get on Transunion with doing the duty of completing the investigation within the allotted time of 30 days. I am also aware that if a investigation has not been completed in the allotted time then the items must be removed from the consumers credit report. 
the item by XXXX XXXX XXXX, that is not even mine not only is it not mine but it is reporting as an open collection, which a collection account can not be open, also again i have never did business with this said company of XXXX XXXX XXXX the, account information is inaccurate and not reporting 100 percent correct. there is not even an account number and please do not respond to say that is for the person or the consumer safety because nowhere in the book or law does it state that is to be what it states is to have the full information of an account, report it 100 correct. another collection item is listed on my credit report as XXXX XXXX XXXX XXXX, that doesn't belong to me, I have never did business with said company and of my knowledge collection company has to issue notify in writing 5 days prior which have not been done. as the original creditor i do not validate this alleged debt ; also there ar4eother items on my credit report one with XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that are reporting incorrect payments amounts, payment status which is a billing error, payments were paid as agreed on time which is a billing error violation with inaccurate reporting information. 
I have attached the letter that i have sent to them along with my drivers license to prove who i am as well as a statement to verify me at my address. and Per my usps search the documents have been received.
Product: Payday loan, title loan, or personal loan

i took out a small loan with XXXX and couldn't pay it on the payment date so now it has increase and has been sold to an collection agency
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against Synchrony Bank for multiple violations of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) regarding the inaccurate and misleading reporting of my charged-off account despite the issuance of a Form 1099-C ( Cancellation of Debt ).

Details of the Complaint Repeated Monthly Charge-Off Reporting Synchrony Bank continues to report a charge-off every month, despite charge-offs being a one-time accounting event.

This misrepresentation violates FCRA 1681s-2 ( a ) by providing inaccurate and misleading information to credit bureaus.

Failure to Update Account After Issuing a 1099-C A 1099-C was issued, canceling the debt for tax purposes. 

Despite this, Synchrony Bank continues reporting a balance, contradicting IRS regulations and misleading credit bureaus. 

Re-Aging of the Debt The Date of First Delinquency ( DOFD ) is XX/XX/year>, yet Synchrony Bank continues updating the charge-off status. 

This illegal re-aging extends the 7-year reporting period, which violates FCRA rules XXXX 

Failure to Conduct a Reasonable Investigation After Dispute I have disputed the inaccurate reporting, yet Synchrony Bank failed to conduct a proper investigation and continues to report false information. 

Defamation and Emotional Distress This inaccurate reporting has caused me denial of credit, financial harm, and emotional distress due to higher loan interest rates and credit denials.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus 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. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Both equifax and XXXX  dropped my score by XXXX points for opening a new credit card!!! This is ridiculous! It states that credit scores may temporarily drop by XXXX or XXXX points from opening a new credit card but XXXX is beyond ridiculous!!!
Product: Mortgage

On XX/XX/21 I 1st reached out for assistance options & eventually COVID relief ( never received ) with an upcoming secondary mortgage balloon payment of {$5800.00} that, due to work & COVID related hardships, I wouldn't be able to pay by the deadline. What followed was a documented & verifiable pattern of neglect & incompetence exhibited by Citizens bank including two relationship managers that resulted in a 5+ month duration to resolve a simple loan modification, all while Citizens was reporting missed payments. The neglect and incompetence included but was not limited to ; 1 ). Claims of missing documentation. This was verifiably untrue via upload history on their upload portal. It was also contradicted by 2 different Citizens empolyees on 2 different status check phone calls. Documents ended up having to be uploaded at least twice via the portal and at least once via email ( also verifiable ). 2 ). Excessive time in reviewing my information. Ex. I ended up having to upload new paystubs because it took them so long to review the 1st upload. I have logged over 17 phone calls lasting more than 4 hours and 49 minutes, mostly outgoing to follow up on their progress. I have a detailed timeline to further demonstrate this upon request. 3 ). After multiple follow ups on my part and assurances that everything was fine, my request for assistance was closed without warning. This required restarting from scratch in that all applications & documentation had to be filled out again and re-uploaded. And again, claims of missing documentation were made. Also again, verifiably false. 4 ). Required to have post-approval documentation notarized twice, 36 days apart due to 'notary error '. As it turns out, this was untrue as the finalized documents I received back were from the first notarization. For context, I initated a loan modification request with XXXX XXXX, the primary mortgage holder, over a month after speaking with Citizens the first time and they were able to accomplish this in less than 60 days. I also attempted a good faith payment early in this process, around late XXXX, while waiting for Citizens to process the documentation in order to avoid derogatory reporting on an otherwise nearly pristine payment history for this account. Citizens would not accept payment and sent back the {$76.00}
Product: Mortgage

We thought we bought a home that was fully renovated and was not, seller lied about home improvements, fraudulently spoofed home to gain profit from sell home was appraised at. Appraiser lied to push sale through, Broker failed to get documents supporting home improvements and seller failed to disclose condition of property, Had our home inspection done after sale only because of electrical wiring issues and we were told that this home has asbestos, electrical issues things the seller said they on improvements were not replaced but is 20 to 25 years old, gutters never replaced they are the original gutters, water heater pipes, fireplace issues, foundation damage, see attachments regarding all issues
Product: Debt collection

XXXX ( XXXX XXXX country ) XXXX XXXX XXXX vs XXXX XXXX XXXX Type : Other Collections XXXX ( XXXX ) - under XXXX Case Number : XXXX Filing Date : XX/XX/XXXX Case Status : Closed/Inactive Court Location : Civil This case was closed on XX/XX/XXXX. 
but XXXX keep say, I own them money XX/XX/XXXX Writ : Execution ( Issued ) XXXX XXXX XXXX, against XXXX XXXX, XXXX XXXX, {$9100.00}
Product: Credit reporting or other personal consumer reports

XXXX has two hard inquiries on my credit file that are identity theft. One from XXXX XXXX XXXX and one from XXXX XXXX and I did not make those attempts. Please remove those hard inquiries. XXXX  XXXX XXXX XXXX is identity theft also please remove that from my report immediately! Cease and decease
Product: Credit card

XX/XX/2023 I applied for a Discover credit card and was denied due to not providing bank information.
Product: Credit reporting or other personal consumer reports

I've contacted Trans Union several times concerning the incomplete information on my credit report : XXXX XXXX XXXX acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # : XXXX. Trans Union continue to list these accounts on my report with incorrect/missing information. I am once again referring to the fact they're reporting this information with PARTIAL account numbers. And NOT reporting the ENTIRE account numbers, they are NOT reporting 100 % accurate information that is required by SECTION 609 of the Fair Credit Reporting Act. For this cause this is HIGHLY damaging to my credit score.And this is making it very difficult for me to acquire credit. I asked for their method of investigations, i DID NOT consent to E-Oscar or any other automated verification
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX, DEPT OF EDXXXX XXXX, and XXXX XXXX XXXXXXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or [ Furnishers ] customer service representative.
Product: Credit card

My available credits got steal, there is supposed to a XXXX $ transaction showing on my app. 
It was showing this transaction two days ago when I checked my credit account though the app, but today when I checked again, this transaction just disappeared on my account and my credit availability supposed to be more but the bank only gave me less then XXXX $ .As I calculate and know, it supposed to be XXXX XXXX dollars more for my available credit. But I dont know why money is gone. I have tried to contact with the specialist 4 times, but they always gave me different answers and not solve the problems. They didnt answer my questions clear and also some of them just trying avoid the responsibility to the other person.this is very unprofessional behavior and lame customer services. 
I dont know what to do.I know its not a big money but it happens couple time already when I using the card, before I wasnt that care until now
Product: Credit reporting, credit repair services, or other personal consumer reports

What happened? 

I bought a car on XXXX XXXX and gave permission for XXXX finance to pull my credit. Not only did XXXX credit pull my score, but XXXX other companies pulled my credit for hard inquiries without my permission. I have worked hard to bring up my credit and this is bringing my score down significantly. I did get the loan with XXXX XXXX, but I did not authorize these other pulls. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX I contacted XXXX twice to see why this happened and was never given an answer and could not get any information. I am very upset about this. I monitor my credit daily. Please help me to fix this problem. XXXX XXXX
Product: Credit card or prepaid card

I have a credit card, which I am paying every month if it is missing. This company sent me a letter saying that they can not renew my card because they closed my account and they told me that they will continue to charge me interest. I told him that this can not be done, because if they were the ones who canceled my account, they can not continue charging me the interest that the balance owes in the same amount, so that I can finish paying that account.
Product: Checking or savings account

Chase bank finally sent a debit card due to the company not providing a physical card for over a month and a half the pin number was forgotten for the original card and their only option was to mail me a pin number which was expected up to ten. Business days later to be received. They claimed the was an iasue with my phpne number which was on file and redundantly suggested i contact my phone company XXXX XXXX a national brand company to see if they had a block on my number which they do not due to me already having several other accounts with this same number amd no other bank has the issues that Chase are having.
Product: Credit reporting or other personal consumer reports

XXXX XXXX wrongfully put a debt on my credit report that is not mine and due to identity theft. This account number is not mine. Ive filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX
Product: Debt collection

XXXX is attempting to collect a debt in which they are not licensed to do so in my state. The account which is in question is XXXX. This account is also be re-aged and is falsely being reported on all XXXX of my credit bureaus.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I reported to all 3 credit bureaus that there was incorrect information on my Credit Report. XXXX resolved the issue in 3 days. XXXX resolved it in 1 hour. Transunion after two disputes and several phone calls including several documents along with the same information I submitted to the other 2 agencies Transunion refuses to remove the negative reporting. I don't understand how 2 agencies can look at all the same information and make immediate decisions and Transunion just takes the side of the lender who is reporting the information. This has resulted in me being denied Homeowners Insurance and also paying additional fees and rates for a Mortgage.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Someone tried to apply for multiple account using my information. XXXX system report has multiple fraudulent inquires. I contacted XXXX and they refuse to conduct a through investigation without a CFPB report. Fraudulent Inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

the amount of {$710.00} by Bank of America. After I called to close this account but I don't know how this account being overdraft like this. And I officially in debt. Please help me!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because credit karma sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$680.00} XXXX XXXX  {$130.00} XXXX XXXX XXXX {$270.00} XXXX XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the XXXX credit bureaus asking for an investigation, verification, and updating of these suspicious accounts. Because I firmly believe that the Credit Bureaus willfully violated FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, I will take legal action against the XXXX Credit Bureaus. I had included these accounts in my complaint from XX/XX/2022, and I'm submitting them again. the accounts listed below : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; and XXXX XXXX XXXX : {$0.00} ; these account information on my credit file has to be updated to reflect the current balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX. XXXX
Product: Debt collection

My ex wife takes my kid to the doctor. Uses my insurance card but puts her name, address on the admission paperwork - guarantees the payment. The hospital send her countless bills which she throws in garage. Mean will I know nothing of this. Then, the hospital uses the insurance information and puts me in collection. I did not sign the guarantee rather I provided the insurance. There is no linkage between guaranteeing fees and using the insurance rather the person that signs guarantees the fee. The hospital sent it to collection before I knew about any of this. So, the hospital has no further interest in it and wo n't discuss it with me. I wrote to XXXX and complained and never heard back. Now XXXX has started showing these derogatory remarks. I want them removed yet they wont remove them.
Product: Checking or savings account

I deposited a check from a company I worked for into the account in the amount of {$680.00} on XX/XX/2023 into my Chase Checking Account. Later I tried to XXXX myself some money to my other account in the amount of {$1000.00} on XX/XX/2023 and my account was working until then. It tripped some issue and they wanted to verify the check from the XXXX and locked my account down. I gave them the phone number of that business but they said it wasn't in their " verified '' system. I told them to XXXX the business and call the number they find they said it doesn't work that way. One of the representatives told me they would close the account down in a few weeks and send me a check for the funds not under investigation, but I haven't received any contact for 2 weeks. I called back and they said their account closure may take up to 2 years. How are they holding my money for 2 years? why can't they just resend the money that was received from the check to the account it was received from and release the rest.
Product: Credit card or prepaid card

I need a credit card Over the past month, after I logged in to my bank account there was a link with an offer that I was pre-approved for a credit card. 
I keep getting the error Looks like this in not working now see attached Chase one video. 
I called Chase support over a month ago they told me it was a known error and that they were working on it check back in a few days well its been over a month still not working. 
Bigger issue Chase Bank is in violation of the Bait and switch Section 5 ( a ) ( 1 ) of the FTC law. 
See the attached video New Chase '' I go to XXXX up Chase credit card offers. 
Your Marketing Department is running a paid ad. 
Chase Bank is knowing are running an offer for a credit card. 
I click on the paid adtaken to a landing page that shows a {$900.00} bonus offer. 
Click on learn more then offers me {$750.00}. 
Thus, Bait and switch. 
I called to complain and was told that the {$900.00} offer expired in early XXXX. 
Here is the problem offered for {$900.00} had NO disclaimers on the landing page. 
All is says is the {$900.00} offer and then switch you to the {$750.00} I called Chase to explain that to the rep and they refused to honor the offer. 
I even offered to apply and once I met the qualified spend they just credit me the {$150.00} or point value. 
They still refused. 
Link to videos that show proof of fraud XXXX XXXX XXXX XXXXXXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.