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

XXXX XXXX/Synchrony Financial Solutions . https : //www.mysynchrony.com/? XXXX. I needed a new XXXX device in XXXX/XX/XX/2021. My dentist office suggested I apply for the Care Credit plan/card. I was instantly approved. I was informed to register the card right away. I registered online that day. The credit plan is 0 % as long as payments are made in a timely fashion. I understand that if the last/final payment is late Synchrony will charge all interest for the original amount. This being said, the amount was only {$2500.00}. It is XX/XX/2021. My remaining balance is {$900.00}. Since the first payment, their website is horrendous. Every time I access their website I receive the message that the they are experiencing technical difficulties. Today I have been trying to make a payment for over 90 minutes. I tried their " Live Chat '' which turns out to be an automated algorithm. I requested through their " Live Chat '' to chat with a real/living person. The automated algorithm provided me a form to complete ( card #, SSN, zip code ). I did THREE times! While waiting for a LIVING BREATHING HUMAN BEING I called their XXXX number. Their rep 's name is XXXX. I explained to XXXX my problem and asked to speak to a supervisor. He offered to take a payment by phone. I don't make payments by phone. I asked three times to speak to a supervisor. He finally said he would - placed me in a que- i could hear # s being pushed- eventually I heard a message saying that my call timed out. Seriously? I called the number back and XXXX answered the phone again. What are the chances? Really the same person! I've tried different browsers including XXXX XXXX, XXXX XXXX and XXXX . None of which provide a different experience than I've stated above. I've tried to " log in to my account AND use their " Pay As A Guest '' feature. Neither are working on any browser. I would really like to pay the balance off with a payment this week and the remaining balance in two weeks. Please, for the love of GOD, help me!! I'm thinking now that they make their money by forcing people to pay their bills late. This has been a terrible experience. I do not recommend Care Credit NOR Synchrony Financing Solutions!
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries don't belong to me. Please remove this from all 3 credit reporting agencies. Please see below the inquiries that are reporting derogatory on all 3 credit reporting agencies. 

1. 1. Identity Theft CCB/XXXX Date of inquiry : XX/XX/2020 This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the account that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed account and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the account, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the account in my dispute. I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian dispute letter and in XX/XX/2021 with no action and proper investigation has taken place, They have failed to provide how if they even did an investigation. I sent another affidavit with evidence showing the errors on my credit report and asking ask how if any there verification has been done, This letter was sent on XX/XX/2021 and still no response.
Product: Credit reporting or other personal consumer reports

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 so 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 the right 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.The open date on this account is wrong the amount of high balance is wrong their is a number of things thats wrong on this account Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you can't 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 to 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 then if anything is missing or not correct on them. 
I demand the following accounts be verified or removed immediately. 


Name of Account Account Number XXXX XXXX Account # XXXX XXXX Cancel contract. Please provide the original contract or delete 1 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 an well. Please send the investigation outcome to my address i put on the form. 
Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting

When I shopped for auto insurance recently, an insurance company told me that there is an at-fault accident in my XXXX report, and because of that they wanted to charge me a higher policy rate. This is the highlighted # 1 item from XX/XX/2016 on the attached page. 
I was not at-fault in that accident. Please promptly correct the report
Product: Credit card or prepaid card

I have complained about this card probably 10 times already. My question is on a bill it said charge off, I haven't heard anything from them in months, I don't know where my account is now, or what to do
Product: Money transfer, virtual currency, or money service

I made a money transfer on XX/XX/2023 of {$2000.00} to my cousin in XXXX who needed the money to pay his semester fees as his parents are facing financial difficulties. Western Union said the money was delivered to the receiver on XX/XX/2023 but my cousin did not receive it. He contacted his bank, who said they did not receive any money from my account. I called up Western Union, they said it would take them 7 business days to investigate. I called them XX/XX/2023, as they did not get back to me. They said they had no update and would expedite the issue. I called them again on XX/XX/2023 as I did not hear from them. They said that they are still investigating. When I asked for a refund, they told me they don't do refunds. I really need your assistance as sending that amount was not easy on my own financials.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN IS INCORRECTLY DISPLAYING MY CREDIT HISTORY AS BEING " ONE MONTH '' OLD. I HAVE REPEATEDLY TOLD THESE IDIOTS, MY CREDIT HISTORY GOES BACK TO XX/XX/XXXX. THAT IS LONGER THAN ONE MONTH. MUCH LONGER! THEIR TELEPHONE PERSONNEL ARE USELESS, BESIDES BEING BARELY ABLE TO SPEAK ENGLISH. USUALLY THEY HANG UP ON ME AFTER LESS THAN TWO MINUTES ; THE PHONE CHICK I SPOKE WITH TODAY ( XX/XX/XXXX ) FALSELY ACCUSED ME OF USING " PROFANITY '', AFTER I STATED THAT EXPERIAN ( AS A WHOLE ) OBVIOUSLY DID NOT KNOW WHAT IT WAS DOING. SHE CONNECTED ME WITH AN ALLEGED SUPERVISOR, WHO ALMOST IMMEDIATELY HUNG UP ON ME. EXPERIAN IS COMMITTING FRAUD AGAINST ME, BY REFUSING TO CORRECT THE WRONG INFORMATION, AFTER BEING TOLD OF THEIR ERROR SEVERAL TIMES. 
THIS IS FILED WITH THEM USING EXPERIAN REPORT # XXXX.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am filing a dispute against Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. After a careful review of my credit report it has come to my attention that there are several inaccurate listings contained in my credit report. The information for these Accounts appears to be incorrect, and I am requesting that you investigate the matter in accordance with the FCRA, Section 1681i. The law requires that consumer reporting agencies investigate disputes within 30 days of receipt of this notice, and that they delete or correct any information that is found to be inaccurate or unverifiable as soon as possible. 
Account Name/Issuer : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Name/Issuer : XXXX XXXX XXXXXXXX/ Account Number XXXX XXXX Account Name/Issuer : XXXX XXXX  / Account Number : XXXX Account Name/Issuer : XXXX XXXX XXXX XXXX / Account Number : XXXX Account Name/Issuer : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I didnt know authorize the company to run my credit to verify employment in credit score
Product: Debt collection

A woman named XXXX XXXX from XXXX ( ECMC ) is calling my ex-husband 4 times a day at his federal government office of employment. She will not stop calling. She will not call my attorney ( about an account that has nothing to do with him ). Both my attorney and myself have called her and XXXX will not acknowledge that I have an attorney. We spent years filling out " attorney '' forms with ECMC and they would just lose them. Please make her call my attorney. Her phone number is XXXX ext XXXX. My attorney is XXXX XXXX XXXX.
Product: Checking or savings account

I was a victim of fraud in the form of a check kiting scam. Bank of America was aware of what was happening to me as I was calling them at every stage of the con for guidance. Each time they assured me I would be protected should I cash a fraudulent check. After I completed a cashiers check and sent it to the fraudster my personal checking account was charged for the amount of the check. Before depositing the check, the bank Manager at the BOA of XXXX called to verify the account and the amount of the check. I called Bank of America in their fraud department, I filed a police report with the Police department of XXXX, NJ. I went into the branch that cashed the check for me they told me there was nothing they can do. I paid the XXXX balances and closed the account. I would like a partial refund and damages for the stress and aggravation this situation caused me.
Product: Credit reporting or other personal consumer reports

The Federal Credit Report Act promotes the accuracy, fairness, and privacy of information in a credit report.

Transunion continues Violating my rights by posting inaccurate information in my credit, I have affirmed in several times that I am not liable for the debt of Account name : XXXX XXXX XXXX Account number : # XXXX Account name : XXXXXXXX XXXX Account number : # XXXX Account name : XXXX XXXX XXXX XXXX Account number : # XXXX I do not have a contract with any of those creditors. 
I demand those accounts to be removed from my credit report I have requested Transunion to show me proof and provide me with the original documents I have requested Transunion to provide the Step-by-Step process used in the investigation Who did they contact? 
What are names of the people they talk to?

What is the Method of Verification?

SEVERAL TIME I have requested to open an investigation they continue lying about the information Investigation is " the act or process of examining a problem, crime, statement carefully, especially to discover the truth '' I request Transunion to show me the process used in the investigation Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, 15 USC 1681s-2 ( a ) ( 1 ) reasonable cause to believe that the information is inaccurate, 15 USC & 1681s-2 ( a ) ( 7 ) negative information,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies,15 USC 1681a ( q ) ( 4 ) Definition : identity theft report,15 U.S. Code 1692k - Civil liability and send the required notifications to all Furnishers of this information.
Product: Credit reporting or other personal consumer reports

My account with ( CREDITOR NAME ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

( CREDITOR NAME ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

The loan was open XX/XX/XXXX with an interest rate over 20 percent it has been 6 years and the loan is up the car was sold once repossessed for about XXXX and sold and staying I owe remaining balance after reading and stating they were sued which I will attached article and they will remove and cancel and has no payments made on it since XX/XX/XXXX. This debt has harmed me. Being a single mother and trying to work isnt easy.It has aided in the denial of my home loan, which it has caused undue stress in these already stressful times and caused undue financial pressure. I also mentioned that the debt should be considered satisfied and that the trade line be deleted from all credit bureaus it is reporting to. After reading article, they should settle those accounts in thats range. 

https : XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Inaccurate Late Payment Entry To Whom It May Concern, I am writing to formally dispute an inaccurate late payment entry reported on my credit file. My personal details are as follows : 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 XXXXXX/XX/XXXX. This information is erroneous and violates my rights under the Fair Credit Reporting Act ( 15 USC 1666b ), which protects consumers from inaccurate reporting. 
I have thoroughly reviewed my records and can confirm that the payment in question was made on time. I demand a prompt investigation into this matter, as I am entitled to accurate reporting under federal law. It is unacceptable that such misinformation could adversely affect my creditworthiness. 
I expect your investigation to be completed within the next 4 business days. Failure to address this dispute promptly will leave me no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 
Please find attached copies of relevant documentation supporting my claim. I expect a written confirmation of your findings and a complete update of my credit report upon resolution of this matter. 
Thank you for your immediate attention to this serious issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The company XXXX XXXX, whom I had an account with in XXXX, made a charge-off/ write-off on my credit report. I spoke with the company and requested a 1099C form, which they agreed to but I had never received. The company continues to harass me via phone calls and emails. In 2020, I had the same issue with XXXX XXXX, who had placed a write-off/ charge-off on my account. Once again, the company failed to send me the form necessary to credit the charge, which is also the 1099C form. I would like to request to remove the charges from my credit reporting agencies. Any assistance in the matter would be greatly appreciated, and Id be happy to offer any extra information as needed to further the case forward.
Product: Credit reporting

I have been trying to upload additional documents to dispute incorrect information on my credit file and Experian 's upload site will not let me upload files nor will it allow me to dispute the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Chase Auto Finance in XX/XX/2020 as a result of the COVID-19 pandemic. I was granted an extension for the installment dates of XXXX, XXXX, XX/XX/2020 after answering qualifying questions for the COVID-19 payment assistance program. At the time the extension was granted disclosures were read by the Chase representative explaining the account would not accrue any additional interest as a result of the deferment, and I verbally agreed to this change. 

As of XX/XX/2020 my credit report reflects the following, Collateral - Deferred to XXXX Remarks - payment deferred Payment History - XXXX 2020 - NR Date of last payment XX/XX/2020 As a result of his verbiage on my bureau, on XX/XX/2020 I received notification from another creditor XXXX XXXX  XXXX  that due to a drop in my credit score my line of credit has been reduced from {$6000.00} to {$4500.00}. After escalating my concern to the DIrector of Credit at XXXX, I now understand my credit line was dropped due to this indicator, not due to a reduction in my credit score. Additionally the utilization rate on this card now reflects higher, resulting in a decrease to my credit score. 

Chase Auto Finance granted this extension and disclosed everything except the fact that these remarks would reflect on my credit report. They did not disclose to me that this would reflect as a risk indicator on my credit report to other creditors that I was experiencing a financial hardship. My loan is currently paid up to date. The XX/XX/2020 installment was paid prior to the due date. I am currently not in a hardship. Chase did not explain or disclose to me that there would be potential adverse activity to my credit as a result of granting this extension. It was supposed to allow me time to defer my loan payments without penalty. I have been penalized by utilizing this remedy offered by Chase that was supposed to prevent a negative report on my credit for these months. Chase did not give me the opportunity to decide if I wanted to accept the deferment provided this would cause adverse activity to my credit. I would have resumed payments without a 90 day deferment provided Chase given me full disclosure how this would effect my credit report. This is not a fair or accurate record of my credit with Chase Auto Finance and is a violation of the FCRA. 

I have reached out to Chase Auto Finance and called the Credit Dispute Processing Department XXXX and my request to adjust the verbiage on my bureau was denied by the representative I spoke to. He refused to give me the name of a party to escalate my concern to and advised I needed to speak to Chase Auto Finance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NM XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXXXXXX Balance : {$4200.00} ; XXXX XXXX XXXX  XXXX Balance : {$1000.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.