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

I use the Synchrony Bank website to make payments to my visa account. I regularly double check that I have made my payments to my accounts and went to the website on XXXX XXXX to make sure I had scheduled the payment. However under pending payments there was not a payment to view. I must have forgotten to schedule a payment so I made the payment then. Five days later on XX/XX/XXXX, as I was updating my XXXX register, I found 2 payments of {$580.00} had been taken out of my account on XXXX XXXX by Synchrony Bank. I called immediately and they said I must have scheduled 2 payments. I told them I had checked on XX/XX/XXXX and there was nothing under scheduled payments so I scheduled at that time. 
I asked them to refund the money to my account. The person said that would not be possible and told me it would take 12-15 days to receive the refund. I asked to speak to a supervisor who told me if I wanted the money faster, I should go to my bank and request a letter showing my account with the double payment and fax the letter to them. In this way I would receive my {$580.00} in 3-5 days. I went to my bank and the letter was faxed the next day. 

On XX/XX/XXXX I received a form letter from Synchrony Bank thanking me for my inquiry, hoping they can help. 

Today XX/XX/XXXX, I again checked my Synchrony Bank account and the credit balance is still there. I searched the bank website for a better number to contact them again. To my surprise I found a box that says click here to request a check from Synchrony Bank and I checked that box. I did not previously see that box, nor did the customer service at Synchrony Bank tell me about it. 

I live on a fixed income and this has been hard to deal with. Since I checked that box for the refund, it will be another 12-15 days before I receive my {$580.00}. A month since Synchrony Bank took my money. If I were late I would have a hefty late charge and take a hit on my credit report. There should be a way to fine the bank and give them a hit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Options Equifax Inc. 
XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : Recently I received a copy of my credit report which show inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. I have provided you with a police report, and I am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed from my credit file immediately because I did not authorize them and they are fraudulent. 

XXXX XXXX XXXX ( auto ) XXXX XXXX XXXX XXXX XXXX ( auto ) XXXX XXXX -XXXX  XXXX ( bank ). XXXX XXXX XXXX XXXX ( finance ). XXXX XXXX -XXXX XXXX ( finance ) XXXX XXXX -XXXX XXXX XXXX finance ). XXXX XXXX -XXXX  XXXX ( finance ). XXXX XXXX -XXXX ( bank XXXX. XXXX XXXX XXXX ( bank XXXX. XXXX XXXX Also be advised the Fair Credit Reporting Act states that any information that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries. 

If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter, I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt/signature of this certified letter is evidence of your receipt of said request. 

I have sent this letter because I need your prompt response to this issue, and I need written correspondence as evidence your company is acting upon my request. If you find that I am remiss and you do have my authorization to inquire into my credit report, and then please send me proof otherwise. 

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

When I started checked and disputed some errors with TransUnion on XX/XX/2020. At that date, my report still showed that I was authorized user for XXXX, XXXX XXXX and XXXX XXXX platinum. After my first resuft came out and I checked my report on XX/XX/2020, my XXXX XXXX/XXXX  ( account ending XXXX ) was deleted from my credit report. Then, I filed dispute again to get the errors fix, but when the new result from my dispute on XX/XX/2020, my XXXX XXXX platinum ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) is deleted from my credit report. I call XXXX and XXXX XXXX to find out what is going on, but they told me that they always report to 3 credit bureau even you are only the authorized users from the account. Now I don't know how to dispute these 3 accounts because they are no longer in my credit report. I also attach some evidences to support my complaint. The result of their mistake make my credit score drops and get high interest rate if I decide to apply for new credit.
Product: Debt collection

Received a letter on XX/XX/2020 from IC systems stating I have a balance of {$450.00} from XXXX. On XX/XX/2020 I sent a certified letter requesting verification of this debt. I asked for various information such as name and address and All the information they have on the debt. I have not received any reply on my request, I have been told if they dont reply within five days the debt is no longer valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not able to see my Equifax Credit Report online anywhere I've tried to contact them multiple times but still, nothing was done over the past 3 months. I'm trying to get a house loan but no one has pulled my credit.
Product: Checking or savings account

I was very sick over the last week and my account went unattended, and we had other sickness in our household. I lost track of scheduled debits which caused an overdraft where I was charged {$72.00} on XX/XX/2023 then this caused another overdraft two days later of {$36.00} totalling {$100.00}. I had money in my business account, but due to being sick, failed to move it over. I've tried to work with the bank in the past without success. I'd like the {$100.00} refunded. This was an isolated incident I believe.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXXXXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXXXXXX XXXX XXXX XXXX UNIV OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX  UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX  XXXX  XXXX XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX UNIVERSITY OF XXXX XXXX XXXX XXXX UNIV OF XXXX
Product: Mortgage

Loss payment from XXXX. Refuse to apply funds sent by XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Payments was sent and They have not applied to account. 
I have tried to explain to the company Im actively in bankruptcy and they have neglected to acknowledge my bankruptcy case that has not been XXXX. Every-time, I call the tell me this is an attempt to collect a debt. Cardinal Financial is not following bankruptcy law. Attached is my active bankruptcy case and the Award letter from my Assistant from government agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

If you look at there report XXXX they made an assumption of contact even thought my credit report said on XX/XX/XXXX XXXX I was in XXXX. This was atleast a few months later after they purchased the alledged debt. In this report they said they didnt receive a validation request obviously because you mailed the letter to a XXXX XXXX when I was in XXXX XXXX this assumption it your error not mine. Under the law you must not assume contact you have to provide proof of contact. Please provide proof that I received the letter I have provided proof of address and court disposition of sentencing stating I was in XXXX XX/XX/2016 .. your company is clearly violating the law with out no accountability. Secondly any debt I had is over 7 years old remove the debt. And I have not been given my credit file contract or payments also in clear violation. I dont need it provide it to the credit reporting XXXX since they seem to believe your company is in good faith investigating the matter.. I want everything payments binding contract .. with the original creditor
Product: Checking or savings account

Hello I have been paying the credit card off from {$1500.00} to {$1000.00}. I received a statement that I owed another {$1500.00}. The are stating that I have interest on the card. Please see statement showing for 2015 YEAR TO DATE - total interest charged  XXXX  different amounts, {$27.00}, {$400.00}, {$19.00}.     When I cotacted the credit card company Care Credit owned  by Sychrony B ank, they told me to get another credit card and transfer the money I owe of {$1000.00}. That they would give me another 30 days to do that. In the meantime, they had already added {$500.00} dollars to the account. When I tried to get another credit card with  XXXX  they told me I owed too much money on Care Credit card that I was up to my lim it! Sychrony Bank lie d and they add whatever they want to the account. I 'm afraid they will keep doing this!
Product: Student loan

My school loan was defaulted abruptly, And I wasnt given a fair and reasonable chance to make a payment I was immediately sent to collections which has resulted in my score being Ruin, and me not being able to secure any financing.
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit reporting act ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) has violated my rights! Also i made no credit application with these companies ( XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian XXXX XXXX XXXX XXXX XXXX XXXX 
Re : Request for Verification of Credit Report Information To Whom It May Concern, I am writing to formally request clarification on the methods used by your agency to verify the accuracy of the information reported on my credit report. Specifically, I am concerned about the procedures employed to ensure compliance with the Fair Credit Reporting Act ( FCRA ), which mandates that all information included in a credit report must be accurate, complete, and verifiable. 
As per FCRA Section 611, I understand that when a consumer disputes an item on their credit report, the credit reporting agency is required to conduct a reasonable investigation into the disputed information. In light of this, I request that you provide me with the following information regarding the verification process : The specific procedures used to verify the disputed information. 
The parties involved in the verification process ( e.g., the original creditor, third-party vendors, etc. ). 
Any supporting documentation or evidence that was reviewed during the investigation. 
The steps taken to ensure that the verification process adhered to FCRA guidelines and maintained accuracy. 
Additionally, I would like to draw your attention to the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian and XXXX. The lawsuit alleges that both companies failed to conduct proper investigations into disputes and did not adhere to FCRA requirements when verifying information on consumer credit reports. Given these legal concerns, I am particularly interested in understanding how your agency ensures compliance with these standards and guarantees the integrity of the information reported on my credit file. 
Please provide a detailed response within the time frame specified by the FCRA. I trust that you will take the necessary steps to ensure that my credit report is thoroughly reviewed and any inaccuracies are corrected as required by law. Please provide results to the following accounts that were previously disputed : XXXX, late payment on account number XXXX XXXX XXXX  account was removed from XXXX but still showing on my report. Account number XXXX  amount XXXX XXXX XXXX, account was removed from XXXX but still showing on my report. Account number XXXX  amount XXXX XXXX XXXX  account was removed from XXXX  but still showing on my report. Account number XXXX amount XXXX XXXX late payments on account number XXXX If these can not be provided, please remove accounts from my credit report now.Thank you for your prompt attention to this matter. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to financial hardship there was a flood in my home thus resulting in late on my XXXX payment which was made on XXXX second. I made XXXX payment on XX/XX/year> which is the last date before the account is considered late for XXXX. I received notification from XXXX that my account was 30 days delinquent which is incorrect it was current as of XX/XX/year> and the following payment for XXXX was received less than 13 days later. I respectfully request my credit report be amended to current as all payments were received. I called Freedom Mortgage on XX/XX/year> to address the incorrect reporting on my credit report and XXXX the representative would not listen to me or address my concerns. I asked to speak with a supervisor was told she would transfer me and instead they kept me on hold and then hung up the call. Which I encourage them to pull the call as all calls are recorded for quality assurance and monitoring. The representative was very rude and unprofessional and didnt address my concerns or create a ticket to address my concerns. This resulting in needing to file a complaint. This XXXX payment will hinder my progress with closing/selling my home in the next three weeks thus resulting in impending homelessness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX and Experian including my FTC ID theft form to XXXX and Experian certified. The accounts that are listed they have verified as accurate, per law section 605b any fraudulent accounts or inquiries listed must be removed without a dispute and blocked within 4 days of receiving the notice. XXXX and Experian has failed to abide by this law and continues to report inaccurate information on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX - ending in XXXXXXXX XXXX XXXX XXXX ending in XXXX XXXX XXXX - ending in XXXX XXXX XXXXXXXX XXXX  - ending in XXXX XXXX ending in XXXXXXXX XXXX XXXX ending in XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX XXXXXXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have an account from XXXX XXXX removed from my credit reports. I contacted each of the 3 major credit bureaus explaining that I do not have an account with neither of the companies listed on my credit report ( XXXX XXXX   or XXXX XXXX XXXX XXXX ). I was told I can enter a dispute which takes 30 days to complete. Each time I put in a dispute I literally received an alert within 24 saying my dispute has been resolved with know change. In mid XXXX I contacted each bureau again asking what is the method for verifying this is my account considering I'm reporting it does not belong to me. I was told they contact the creditor and if I want more information to contact the creditor directly. 

Starting back in XXXX I've reached out to the company XXXX XXXX XXXX XXXX collecting on behalf of XXXX XXXX. The first couple of times I called ( only verifying my named, I was told I took out a loan online in XX/XX/XXXX. I explained I don't know who this company is nor have I taken out a loan with them. I've also asked for documentation with my identity information ( SS, address, DOB, dates, times and my signature on it ). To this date I have not received anything from either company. I also made a point to ask why I never received any calls or delinquent letters of collection. Neither rep could answer my questions. When I did a check on XXXX XXXX through XXXX  XXXX XXXX XXXX, I see that XXXX XXXX XXXX  is dissolved. I mentioned this to XXXX XXXX and basically that was brushed off and they still asked me to pay them. 

I need immediate help from CFPB, my identity has been stolen 4 times within the last 7 years. This is not my debt and I would like it removed from my credit report immediately. Trying to resolve the issue with XXXX XXXX has been frustrating and time consuming to say the least. This is literally the only bill on my report and it is damaging my credit.