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

On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report. To this date, they have not responded. The following are the details of the inaccurate information and the required corrections : The following account was never late : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Please correct this inaccurate information on my credit report. 

The following account was never late : Creditor : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$0.00} Please correct this inaccurate information on my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$4500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2000.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Please remove it from my credit report. 

The following account is not mine : Creditor : US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$2500.00} Please remove it from my credit report.
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 rights to privacy and confidentiality under 15 U.S.C 1681. 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. 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. In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. & 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. Moreover, I also request you investigate the source of these accounts and ascertain that the creditor had a permissible purpose and can verify my complete file information including my full legal name, current address, date of birth and full social security The following accounts : XXXX XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX XXXX XXXX Acct. # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$8600.00} ; XXXX XXXX XXXX Balance : {$4000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$230.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to Navient the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX/Navient question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reports act XXXX  account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A section 2 : also states a consumer reporting agency can not furnish a account with out my written instruction.
Product: Debt collection

Calls from multiple lines, sometimes multiple times a day. They leave voicemails when there is an option with no content -- completely silent. There was no type of identification at all. At one point, my voicemail was completely full and could not accept new messages because they had left so many blank voicemails. I instructed them to stop calling and communicate via postal mail and the phone calls continue.
Product: Debt collection

This letter is a formal complaint against XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.
Product: Debt collection

Debt was created due to case mismanagement and lack of timely communication and correspondence. Leasing office staff and XXXX  XXXX case managers did not ensure proper timely communication which resulted in this debt. Leasing office staff is protecting their own backs rather than taking ownership that they did not do their jobs in properly handling this case. Case managers allegedly were attempting communication with leasing office staff who also claims to have not received communication which is their responsibility to maintain communication. XXXX  XXXX case managers were not responding to my attempts to get into contact with the office or the assigned case manager prior to the debt being created. It took 3 months for the XXXX  XXXX case manager to contact me regarding the rental debt, which I am now disputing as I am not at fault.
Product: Credit reporting or other personal consumer reports

I had a breach in my credit card XXXX 2024. XXXX XXXX confirmed and we cancelled existing card and got a new one. There was a charge from a Company in Texas was XXXX XXXX XXXX XXXX. Also XXXX  has put a ding on my credit report and when I paid them out. All was good. Now all of the sudden they claim I owe them money. I am not going to a scapegoat for other inability to pay bills. In other words why now. Ive already cleared this up years ago. Along with this information, I applied for a loan to get a used car and it was not suppose to ding my credit since i have tried to rebuild it since my divorce several years ago. My credit score has decreased XXXX points. Also new companies alleging to be associated with the credit bureau have taken over the credit reporting. There is no way my credit has dropped XXXX points. The rules appear to benefit the banks giving out the loans. I went from good to fair. I have paid all my bills accordingly.

I wrote the creit bureau and filled a complaint and the next day had a response. There is no way they can investigate in a day. This whole credit bureau business appears scammish. They can not prove anything in a days time. ( this XXXX XXXX XXXX from Texas investigation ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX, XXXX/XXXX  XXXX XXXX accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this ASAP
Product: Mortgage

I dont know where to begin they wont soeak to me since im not the administrator of the estate im a heir who lives in the home and havent been properly address other then my sister who changed all letters sent to the home and stands to inherit and I get nothing and I want to save my home!!! I cant get no help I dont know what to do I had a attorney and they havent helped me at all!!! I lost everything to a fire on the property and the insurance check was also distributed to the adminstrator and those were my things!!! I dont wan na be homeless can someone help
Product: Debt collection

I called XXXX XXXX XXXX to get cable and WiFi and they never gave me services and XXXX is not even available in my area. They are trying to charge me for services I never received. Ive called 7 times and every time theyve kept me on the phone for 40 plus minutes only to hang up or disconnect the phone right before Im transferred to supervisor. I would pay the debt if it were mine. However not only did I not get services, my name is incorrect and I waited 3 weeks without services because they said they would come out. Please remove this. I do not owe it.
Product: Credit card

Subject : Complaint Regarding Predatory Practices by Synchrony Bank/XXXX XXXX XXXX Credit Card To Whom It May Concern, I am writing to formally report a predatory and highly frustrating experience with Synchrony Bank , the issuer of my XXXX XXXX XXXX  credit card. Despite making every effort to ensure my payments were made on time, Synchrony Bank has consistently failed to process them correctly, resulting in unwarranted fees, penalties, and ultimately, the closure of my account. I believe my experience may reflect systemic issues within Synchrony Banks operations, as I have discovered hundreds of similar complaints from other consumers. 

Below is a detailed account of my experience : Account Opening and First Payment : XX/XX/XXXX : Opened a Synchrony Bank credit card with an interest-free promotional period. 
XX/XX/XXXX : Sent my first payment of {$750.00} via my credit unions bill payment service. 
XX/XX/XXXX : First payment due. 
XX/XX/XXXX : Received a text that my payment was late. Panicked, I sent a second {$750.00} payment, also through my credit union. 
Both {$750.00} payments cleared my bank but were processed late by Synchrony. Synchrony also charged a {$30.00} returned check fee on XX/XX/XXXX, even though no payment was returned. 

Second Payment and AutoPay Issues : XX/XX/XXXX : Second payment of {$500.00} was due. Earlier in the month, I set up AutoPay directly with Synchrony. 
XX/XX/XXXX : Received a text stating my payment was late. 
XX/XX/XXXX : I called customer service, where I was told my payment information was incorrectdespite using the same account information that was successful previously. I made the {$500.00} payment manually over the phone, and it processed immediately. 

Third Payment and Continued Issues : XX/XX/XXXX : Third payment of {$500.00} was due. AutoPay withdrew the payment from my bank as scheduled. 
XX/XX/XXXX : Received another text stating my payment was late. 
XX/XX/XXXX : Made an additional {$500.00} payment manually via Synchronys online portal, which processed correctly. 

Account Closure Without Resolution : XX/XX/XXXX : Received a letter stating my account was closed. 
XX/XX/XXXX : Called Synchrony and spoke with an Account Manager who reviewed my statement. She was unable to explain the inconsistencies in their processing and implied it was my banks fault, which is demonstrably untrue. All payments cleared my bank on time, and funds were always sufficient. 
Throughout this ordeal, Synchrony Bank has failed to : Accurately and timely process payments. 
Provide any plausible explanation for their errors. 
Offer meaningful recourse or a case/ticket number for dispute resolution. 
I have excellent credit and have never missed a payment with any other institution. This experience has not only caused undue stress but also damaged my financial standing through no fault of my own. 

I urge the Consumer Financial Protection Bureau to investigate Synchrony Banks practices. I am happy to provide copies of my Synchrony account statements, bank statements, and any additional information to support this complaint. 

Thank you for your attention to this matter. 

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

I file a complaint with LexisNexis to removed incorrect information from my credit report on XX/XX/2023. It has been 30 days since I submitted my request. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX  or any means of automated verification.
Product: Credit reporting or other personal consumer reports

I am facing an issue with accessing and maintaining accurate information across all three major credit bureaus ( Experian, XXXX, and XXXX ). 
Experian Issue : I am unable to access my credit report because Experian claims they can not locate my information. 
Concern for XXXX and XXXX : I am concerned that my credit information is not consistent across these bureaus, which could lead to future issues in accessing my credit reports. 
These errors are in violation of my rights under the Fair Credit Reporting Act ( FCRA ) : Section 609 ( 15 U.S.C. 1681g ) : My right to access my credit report.

Section 623 ( 15 U.S.C. 1681s-2 ) : The responsibility of furnishers to maintain accurate information. 
I request the CFPBs in : XXXX. Ensuring my credit information is synchronized, accurate, and complete across Experian, XXXX, and XXXX. 
2. Resolving Experians error and restoring my ability to access my report. 
XXXX. Guaranteeing that I can access accurate credit reports from all three bureaus without issues in the future. 
I am providing full documentation ( proof of identity and address ) to help resolve this matter. 
I would like to mention that my information according to my id is : First name : XXXX XXXX XXXX XXXX : XXXX Last name : XXXX XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX XXXX New York XXXX XXXX
Product: Checking or savings account

My bank, Ally Bank XXXX XXXX XXXX XXXX, PA XXXX Is unable to cancel recurring, scheduled transfers from my checking account at another institution to Ally 's held online savings account. I am unable to cancel this recurring transfer manually, both by online webpage visit and through their mobile phone app. This recurring charge is in the weekly amount of {$100.00}. When I try to do this myself, I receive error messages. 

I have spoken over the phone, as well as through online chat help function with Ally bank about this issue. They have told me verbally, on XX/XX/23 that this is a known issue and is being worked on through their IT department. But, until they fix this issue, the bank is stuck withdrawing {$100.00} a week from my checking against my instructions. This is unacceptable, and a basic online banking function that should be remedied, I should be able to dictate my own online savings account transfers. 

Thanks,
Product: Checking or savings account

On Wednesday, XX/XX/year>, there was a fraudulent transaction made for {$2500.00} by XXXX. 
As well as on Thursday. XX/XX/year>, there was another fraudulent transaction made for {$2500.00} by XXXX. 

This savings account has been on hold ever since the start of these transactions. 

There have been multiple transactions made on this account, other than the two transactions that I mentioned above, unauthorized by me. 

I have been trying to take out the full amount in that savings account into a new one but every time that I try to, a new transaction that was unauthorized by me has been made. Fifth Third ( my bank ) told me that in order for me to take all my savings money in that account into a new one, I would have to wait for there to be no pending transaction and for my money to be back into my account to get the full amount that is in my savings. If I was to take that money out while there was still a pending transaction, Fifth Third told me that the amount that was in that pending transaction would be gone and I wouldn't be able to get it back. 

For example, if I had {$10000.00} in my savings account and the fraudulent transaction took out {$1000.00} that is pending, and I decided to transfer that remaining {$9000.00} then that {$1000.00} would be gone and I wouldn't be able to get that money back. 

Fifth Third has really been no help on this situation. I don't understand how or why my savings account got hacked. I don't use it to pay for anything, so to me I would think that someone in Fifth Third has hacked into my account. 

I check my account every day to see if all my money is in the account to make that transfer and there is always a new fraudulent transaction made. 

Recently, XXXX XXXX took money out of my account and I told Fifth Third that I don't have an account with them, and they told me I would have to call them anyway. When I called XXXX XXXX and gave them my information, they told me that I didn't have an account with them, so they couldn't help me situation. Which is what I told Fifth Third. Then when I called Fifth Third back and told them what XXXX XXXX told me, Fifth Third told me the same thing. To just wait until there is no pending transaction, but there is always a new pending transaction, so it seems that either way, if I wanted to transfer all the money in my savings account, I would always end up losing whatever the amount is in that new pending transaction.
Product: Credit card or prepaid card

I found a charge on my Discover card statement in XX/XX/2017. A purchase of {$950.00} to a mower shop in another state around XX/XX/2017. At the time I was using the card along with my son to help him move out of state for college, was a very stressful time when a child moves away and never noticed the charges until several months later. I called Discover and disputed the unauthorized charges and they immediately refunded me. A month later I get a call from Discover that they couldn't identify the purchase as fraud so they put the interest and charges back on my account. So I did my own investigation gathered all the XXXX shipping statements called the merchant then sent all this to discover. They did nothing and lead me on thinking they are doing an investigation but all along they did everything to avoid me. So far no phone call no email nothing. I called again and got the same answer will open another investigation 3rd one! no one there can explain or give me a reason why they wont refund the fraud charge other then being several months old. Every other credit card would contact you for suspected fraud if a XXXX dollar purchase was done. They are suppose to have a zero fraud guaranty. They don't want to deal with talking to customers or help them out in anyway. They rather get you off the phone to give you a false set hope they are investigating the issues but all along just putting me off. I've been in customer service for 30 years and I never had such horrible customer service then discover card. They lie there is no such thing as zero fraud guaranty!
Product: Credit reporting or other personal consumer reports

inaccuarate and fraudulent information reporting to consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am contacting you today to dispute the following inaccuracies on my credit report. 
1. XXXX XXXX XXXX is showing a missed payment in XXXX, XXXX and XXXX of XXXX in the detailed layout of my credit which is a broken verbal contract by lender to not show. as them and I was in early pay off negotiations and my payment history is XXXX percent else where ... this has been disputed several times to no avail. 
2. XXXX XXXX is a fraudulent account and removed from XXXX but showing on XXXX  which affects my credit score and needs to be removed from all credit bureaus. 
3. XXXX XXXX XXXX is showing 3 closed accounts that are only on 1 bureaus report and inaccurate and need to be removed from all credit reports as the balance reports dates should have been in my bankruptcy 4. Hard Inquiries by XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are fraud and or not authorized. 
5. XXXX XXXX XXXX has been closed 11 years although just reporting closed and needs to be removed as it exceeds 6 years and 11 months
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXXXXXX 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: Checking or savings account

false advertisement!!! Open a new account in late XXXX and got approved 2 days later with {$250.00} bonus confirmed in the email ( attached ). I met all the requirements for the signup bonus. Ive also sent in the signature form and waited the 45 days as they requested. Sent a message online via message center and told me that I will receive a response within 14 business days. However, now it has been 20 days, I havent gotten the bonus still and no mail at all. Account number XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Today I signed into my Experian account to opt out on some of their updated policy changes only to find out that Experian is continuing to report closed accounts as late payment accounts on my credit report as missed payments. This is not fair inaccurate credit reporting which is pulling down my credit score even more. According to the FCRA 15 U.S.C.Sections 1681-1681x accurate credit transactions ( including closed accounts ) should not be placed in my credit account as late payments when the account is closed.
Product: Checking or savings account

i had a savings and checking with Bank of America. I owed child support in the state of illinois but they are garnishing my wages for arrears owing. on XX/XX/2022 the state of illinois  wipe out my checking and savings account with a total of approx XXXX Bank America is now charging me fees for the levied fees - the stated of illinois also sent a notice to the bank with the wrong amount owing and i might be levied again when the balance is already paid