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

There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 



There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up. 


There is a hard credit inquiry on my account dated XX/XX/XXXX from the following company : Synchb/XXXX XXXX, Fl XXXX XXXX I never applied for this credit card. I contacted the company and they say they don't have an open account for me and that I need to contact XXXX XXXX to resolve the issue, XXXX tells me to contact the business to get it cleared up.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX Balance : {$690.00}
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 Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 card or prepaid card

So the card in question had a XXXX % interest rate promotion. It was about to end so we called in XXXX to get the date it needed paid to avoid interest. We were given a mid XXXX deadline XX/XX/XXXX or XX/XX/XXXX, only to find interest charged on the XXXX bill. We called, explained, and the credit card company fixed the issue, begrudgingly saying this was a one time courtesy. Right after that call, we paid the balance in full and figured we were set because we had no further balance and again, originally given the wrong promotional end date. If we were given the correct date, all would have been paid immediately. 

Fast forward to XXXX now, we received only an interest charge on a XXXX balance ... and the credit card company will not remove it claiming we need a XXXX balance for two months and that the promotional XXXX interest ended in XXXX, except we were told mid XXXX and they supposedly record everything so they have the customer service rep telling us the wrong date. How can I pay something if given the wrong date and info ... their statements never mention the date the promotion ends, either. 

I am now forced to pay the XXXX interest and late fee ( {$130.00}, {$29.00} of it a late fee ) to keep my credit good ( we were not expecting a bill on a XXXX balance card ). If not for the credit card company giving us the wrong date, there would be no interest or late charge, they agreed with this on the latest call, except again, according to them the interest accrued because the promotional period ended. This is true, but we were told XXXX. They can't tell us XXXX and cite the promotion ending in XXXX.
Product: Checking or savings account

On Friday XX/XX/2022 I received a Capital One debit card via mail. 

I called Capital One and asked how the checking account was opened and when. 
They did not know. 

I asked to close this account as I did not open the account.
Product: Student loan

I submitted an application for the XXXX XXXX repayment plan on XX/XX/year>. 

AidVantage is supposed to temporarily place my account in forbearance while processing the application, per XXXX 's federal website : " If you applied for the XXXX XXXX close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' They have refused to process this forbearance. I am unable to get anyone from AidVantage available on the phone to speak with me to do this, despite AidVantage 's customer service refusing to do so via chat. I am submitting this complaint per their failure to act.
Product: Checking or savings account

Ive been a satisfied customer of Chime for many years. However I recently asked them a question, regarding my account, because there was a login I wasnt sure about. There has been no fraud on my account. Instead of answering my question, or giving me advice, they simply suspended my entire account. That includes both my Spending and Checking account of over {$13000.00}. I could have just asked for a new card in the app, but feel I was punished for reaching out to them instead. I have no other access to any other money. I cant buy food, pay bills, pay for any living expenses. 
They did ask for a copy of my gov. ID, and also a picture of me holding it. I do normally feel that is an OK request to make. However right now I dont have my ID, and I need access to my money right now. This is an emergency. I have gave them a bunch of my work pay stubs, 4 years of my W-2s, my unemployment tax information, copies of my insurance card, my actual chime card, my work ID. I gave them all the information about me that I have. Everything I can to prove my identity. Right now they are not even returning my emails, or giving me a call. They are not working with me at all. I dont have any money without access to my account. Its an emergency situation.
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a XXXX party or XXXX XXXX XXXX. 

In Accordance with the Fair Credit Reporting Act Convergent this account below has violated my rights according to 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 an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request a review and removal of certain items from my credit report, specifically the closed accounts, late payments, and inquiries that have resulted from a data breach that significantly impacted my financial standing. 

On XX/XX/year>, I became aware that my personal information was compromised as part of a data breach. This breach led to unauthorized access to my accounts, and I have since worked diligently to address the issue, including reporting the incident to the relevant authorities and taking necessary steps to mitigate the damage. 

Unfortunately, as a result of this breach, several accounts were closed, payments were reported as late, and inquiries were made without my authorization, all of which have severely impacted my credit score. I am requesting the removal of these negative entries as they were not a result of my financial behavior but were directly caused by the fraudulent activities associated with the data breach. 

I have attached documentation detailing the breach, including any relevant reports or correspondence, and I am more than willing to provide any additional information or documentation required to assist in resolving this matter. 

Given the circumstances, I kindly request that the closed accounts, late payments, and inquiries be removed from my credit report to reflect the fact that these items were the result of a data breach beyond my control.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer right 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 has violated my rights.

15 U.S.C 1681 section 602 A. State 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 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 conviction 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 inaccrate.
Product: Mortgage

My property tax bill is due XXXX and my mortgage company has not paid it yet. It is due in XXXX  days. I called them and asked them to pay it, and would not. They said they will pay it some time in the future before it is technically delinquent. I do not want to risk fees, liens, or extra interest charges. If the property tax bill is due XXXX, it should be paid on or BEFORE this date. This is a reasonable request.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account is now listed on my credit and after numerous attempts to get the collection agency to validate the debt they have still refused to do so.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to remove immediately : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, Bankruptcy XXXX  XXXX Reference number : XXXX and Bankruptcy XXXX  XXXXdismissed Reference number : XXXX 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 accounts 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 these 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX Balance : {$9200.00} XXXX CARD XXXX Balance : {$9200.00} XXXX XXXX Balance : {$3900.00}
Product: Debt collection

Optimum Outcomes has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon looking over my credit reports Equifax, XXXX and XXXX, I see a collection account from XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX and a reference number of XXXX, and showing with an alleged amount owed of {$680.00} USD. 
Equifax Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX XXXX Acct # XXXX Report file # XXXX According to the FCRA this account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 

I demand that this debt collection account be deleted immediately or I will exercise my right to sue for {$1000.00} for each violation. 

I have attached the copies of my credit reports to support my claims.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I found accounts that dont belong to me, and I have no idea how this happened. I check regularly, and this has never occurred before. I tried refreshing the page, hoping it was an error, but the accounts stayed. Please, I need someone to thoroughly review the documents I submitted so I can finally have peace of mind.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Letter Under 15 U.S.C. 1681o Civil Liability for Negligent Noncompliance XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX Dear CFPB, I am writing to file a formal dispute under 15 U.S.C. 1681o, concerning civil liability for negligent noncompliance under the Fair Credit Reporting Act ( FCRA ). I believe that my rights as a consumer have been violated due to the negligent actions of XXXX, XXXX XXXX Transunion. resulting in inaccurate or incomplete information on my credit report. 

Background of the Issue : On XX/XX/XXXX I discovered new inaccuracies on my credit report, which include incorrect account balances, accounts not belonging to me, or outdated information. 
These inaccuracies have adversely affected my creditworthiness, causing me and my family denial of credit, stress not able to obtain loans and of course emotional distress. 

I have also found incorrect addresses that I never had which I also have to correct. 
Many Charge offs I was unaware of. 

Details of Negligent Noncompliance : XXXX, XXXX XXXX Transunion failed to meet the required standards for accuracy and diligence as stipulated under the FCRA. Specifically : Failure to Maintain Reasonable Procedures : The agency did not implement or follow reasonable procedures to ensure the maximum possible accuracy of the information reported about me. 

Failure to Investigate and Correct Errors : Despite my previous disputes submitted between XX/XX/XXXX until now XX/XX/XXXX the agency failed to conduct a reasonable reinvestigation or correct the errors as required by 15 U.S.C. 1681i. I have not only disputed electronically but also on the phone. Promised follow ups that were never returned.

Negligent Reporting Practices : By providing and maintaining incorrect information, XXXX, XXXX XXXX Transunion acted negligently and caused harm to my financial standing. 

Requested Resolution : To resolve this matter, I respectfully request the following : A thorough reinvestigation of the inaccuracies listed in my credit report, including all supporting evidence provided. 

Immediate correction or deletion of all inaccurate information.

Written confirmation of the resolution and an updated credit report reflecting the corrections.

Compensation for any damages incurred as a result of the negligence, as stipulated under 15 U.S.C. 1681o.

Supporting Documents : I have attached the following documents to support my dispute : I have attached some of the most recent collections that have shown up recently that are not mine from XXXX, Transunion and XXXX. I separated it by XXXX PDF files. 

Please consider this letter a formal complaint. I expect a response within the timeframe outlined by the FCRA. Failure to comply with the necessary standards may result in further legal action.

Thank you for your prompt attention to this matter. I look forward to resolving this issue amicably and efficiently. Please contact me at your earliest convenience should you require further information. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Furniture was purchased from Rooms To Go through Synchrony Bank financing. Account was paid in full a few months after purchase. I had a problem with one of the furniture items. XXXX agreed to pick up the item which they did 2 months ago and issue a credit to my previous Synchrony bank account. Synchrony assured me when the credit posted, they would simply mail me a check. Now Synchrony said a " dispute '' was opened on XX/XX/22 and it can take 60 days to resolve. There is no dispute, XXXX issued the credit and I want the check mailed to me as promised. It would also be appropriate if Synchrony Bank paid interest on the amount since they have held on to my refund.
Product: Credit card or prepaid card

I have a prepaid card issued by Regions Bank. On Saturday XX/XX/2019 at XXXX I tried to deposit XXXX on to the card at their atm at XXXX XXXX XXXX, il. 
It took the money and never closed the cover, therefore in order to get my card back I had to cancel the transaction. 
When I cancelled the transaction the cover shut did not give a receipt stating transaction was cancelled.
Product: Mortgage

Please reference initial complaint XXXX Navy Federal states I have not made a payment for the month of XXXX. They have not credited multiple payments to my account, sent from my XXXX XXXX checking. Please see screenshot below
Product: Credit reporting or other personal consumer reports

there are inquires that are not mine as i explained to XXXX and Equifax They refuse to take them off they are not mines for i am a victim of identity theft. 
BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never applied for credit for these companies.
Product: Credit card or prepaid card

I got a Synchrony Bank Credit Card from Mattress Firm that I used to purchase 3 mattresses, pillows and mattress protectors. 
I did this purchases in 3 different transactions, 2 the same day, 1 some weeks after. 
All this was bought with a promotion of no interest for 18 months. 
For a reason that I can not explain the CreditCard decided to apply my payments in a way that one of the promotions was affected more than the other and therefore I end up paying one the the purchases faster thats the other. 
After that I realized some months later that my balance had a spike when I purchased nothing new. I suspected of fraud to only realize the credit card decided to charge me interest for more than 200 going back to original purchase day as I did not realize my payments were applied in a way different than I expected. 
All in all I was charged {$230.00} on interests. 
I called Synchrony bank several times. Spoke with agents and Manager and they basically told me they were in the right of charging me interest and therefore they do. 
Totally upset with Synchrony, awe full experience. 
I look forward to recover my money that was charged on interest and close all my synchrony accounts. 
Hopefully some exemplary measures can be taken agains them so they do not take advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom mortgage has been illegally reporting non payment, affecting my credit score and generally harassing my family with threats. 

On XX/XX/XXXX I was alerted to a derogatory entry in my credit report by Freedom. I immediately filed a dispute : XXXX. Several hours later Freedom chaned my credit report but STILL did NOT post status as CURRENT. 
Every single payment from my account to Freedom cleared WELL before the legal definition of 'on time ' payment. 

Additionally this company had attempted to place lender insurance on my home and attempted to extort XXXX out of my family. This is well after they received proof of insurance. 


Processing FREEDOM MORTGAGE CORPORATION BILL PAYMENT Debit - {$1400.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1100.00} XX/XX/XXXX FREEDOM MORTGAGE CORPORATION Bill Payment View/Edit Bill Pay - {$1400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my Experian credit report i noticed that XXXX Bank is reporting negative information about an account that was paid in full and closed. I have talked to XXXX and they are staying their records are showing that everything is reporting correctly with no negative marks.