23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

In XX/XX/XXXX I took out a XXXX loan from GE Capital. It was transferred to Synchrony Bank shortly after the account was opened. I did not receive statements or invoices from Synchrony Bank. I did receive a call after 60 days from their accounting/collections department requesting payment, at which point I mentioned the lack of statements or details on configuring automatic payments. I received no information on configuring automatic payments or statements, but was contact again each 60 days to make another {$630.00} payment. In late XX/XX/XXXX I got upset and asked that the representative or their manager to assist me with getting my online account setup so that Autopay could be enabled, and that I would make the payment online instead of over the phone. They assisted me with creating my account. I added my XXXX XXXX XXXX checking account to the methods of available payments. I had to clear the outstanding balance of {$630.00} before autopay could be enabled, so submitted a payment for the outstanding balance of {$630.00}. Afterword paying the outstanding balance I enabled the Autopay feature using the same XXXX checking account. After this I did not receive another call from Synchrony Bank until the morning of Saturday XXXX XXXX, at which time I was told that the account was now 3 months past due, and a payment of {$1300.00} was required immediately. I immediately made a payment to Synchrony Bank over the phone and inquired as to why auto pay was not covering the balance. The representative had no ability to check on my online account, they were only able to collect the payment. I went and checked my Synchrony account online and even though my bank account is clearly still a method of payment the autopay feature is disabled for my account. On Monday XXXX XXXX I received a collections letter from XXXX XXXX XXXX XXXX XXXX. The envelope was postmarked XX/XX/XXXX, the letter was XX/XX/XXXX The content of the letter started off with " The above referenced account has been referred to our office for collection. Previous attempts have been made by the creditor to obtain payment of this debt. As of this date, those attempts have not been successful ''. However the account was brought current 2 days before the letter was written, and the outstanding balance was zero as of that date. I found out that Synchrony Bank or XXXX XXXX XXXX submitted a report to the credit reporting agencies and negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : INSTRUCTION TO BLOCK AND DELETE on XX/XX/2022 XXXX XXXX Number XXXX " Delivered to XXXX XXXX XXXX XXXX pm on XX/XX/2022 '' Dear Experian, I am writing once again to follow up regarding my FTC Identity Theft Report which was submitted to you with a complaint to the Consumer Financial Protection Bureau. The ID Theft report included the information to be blocked from reporting. I also enclosed appropriate proof of my identity and a statement that the information is not information relating to any transaction by me. 

With XXXX XXXX XXXX XXXX confirmation that you have received the required documentation at XXXX pm on Tuesday XX/XX/2022, I am now DEMANDING that the information is blocked and deleted from my consumer report IMMEDIATELY : Account Name & Account Number ( According to Consumer Report ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S. Code 1681c2 ( a ) : Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT ( Monday XX/XX/2022 at XXXX ). 

THIS IS NOT A DISPUTE, AND THERE IS NO 30-DAY TIMEFRAME.

15 U.S. Code 1681c2 ( a ) does not necessitate any 3rd party input or response.
Product: Debt collection

They put it on my credit report through all bureaus without so much as mailing me a letter and I don't have to pay it because I have insurance and I never sign no papers I don't know the exact date because they never sent me anything they just called and said that they was going to put it on my credit report And now it showing up! I have insurance through hip healthy Indiana plan anthem XXXX XXXX XXXX XXXX I was never asked to go to the hospital I was forced to for mental reasons and my member ID is XXXX they should have paid for it this should've never happened I can not get anything with this on my credit report and I should not have to pay
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent in documents to initiate dispute process with company via certified mail. USPS tracking # XXXX. Item was verified delivered on XX/XX/XXXX. Although all required documentation to identify myself was included, on XX/XX/XXXX I received an email notification indicating I did not include documents and they wont process. I called directly on XX/XX/XXXX and initially spoke to representative named XXXX who immediately acknowledged that I had in fact included all required documents in which she recited to me what was sent and verified. She then proceeds to explain that my dispute would be initiated as of XX/XX/XXXX and be completed as of XX/XX/XXXX. I asked representative if the delay was not in fact an error on my behalf why would my process be impacted by the companys oversight. She explained that documentation were only verified from date I called ( despite being sent via certified mail and received prior ). I requested call be escalated to a supervisor XXXX XXXX who accepted call and reiterated same policy. His explanation was all disputes start from the verification of documents date which was based on the call. Since I had sent in no new documents, initial representative acknowledged error and documentation had been verified to have been received prior, Im asking that my 30 day time frame begin from date the documentation was originally received as this is all time sensitive information. Thanks for your time and consideration regarding my issue
Product: Mortgage

Complaint ID : XXXX. See original complaint filed XX/XX/2019 and replied by company ( XXXX XXXX and or Renovate America ) on XX/XX/2019 with a huge lie! They never sent me an explanation of my complaint. My personal information is in their database although they claim to be ignorant of their own database. 
Case should be re-opened since they refused to explain their predatory, abusive, and deceptive business practice. Also their elder abuse exploitation! 
Please review the original complaint XX/XX/19 and the company 's deceptive reply on XX/XX/2019. In the meantime,, they are assessing daily interest and hidden charges on our account.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ 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 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request the removal of the incorrect employers listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX XXXX : Photo ID Proof of current address
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance {$21000.00}, and XXXX XXXX Date opened XX/XX/2019 Balance {$34000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

XX/XX/23 {$110.00} Account statement was a XXXX for a {$50.00} dollar membership. I called the card company and they said to pay a bill I don't owe, and they would refund {$66.00} on the charge card I don't want to use to get my money back. This is a Sam 's Club membership and a Sam 's Club card.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a loan account opened at XXXX  XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I, the consumer, natural person, and original creditor, exercised my right to rescind the following transactions with Navy Federal Credit Union for my XXXX XXXX credit card however, Navy Federal closed the disputes I made and failed to credit my account for the transactions. Upon receipt of their requests for additional documentation to aid their investigation of my rescissions/disputes, I provided Navy Federal Credit Union with the attached statement of rescission and the federal law to which I was exercising-15 U.S. Code 1635. 

XXXX XXXX XX/XX/XXXX {$26.00} XXXX XXXX XX/XX/XXXX {$5.00} XXXX XXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXXXX/XX/XXXX {$12.00} XXXX  XX/XX/XXXX {$58.00} XXXX XXXX  XX/XX/XXXX {$4.00XXXX XXXX XXXX XXXXXX/XX/XXXX {$5.00} XXXX XXXX  XXXX XX/XX/XXXX {$4.00} XXXX XXXX XX/XX/XXXX {$25.00} XXXX XX/XX/XXXX {$7.00} XXXX XXXX XXXX XX/XX/XXXX {$11.00}
Product: Credit card or prepaid card

I was offered a Secured CC on XXXX XXXX through Citibank as a way to Build/Repair your credit. I opened it with a {$300.00} Deposit on XX/XX/2021 and that was my credit limit. Per their Pamphlets Citibank would revaluate your account and refund your {$300.00}. After 18 months of successful payments and responsible use. I made the payments before the due dates and in full never just the basic Payment. I made a {$230.00} Pymt on XX/XX/2021, I called XXXX XXXX, 2021 to let them know it would not go through and I needed them to stop sending it so I could make the Payment on XX/XX/2021. On XXXX-21 they said I owed {$320.00} and I made the Payment. I called on XXXX-21 to ask why the online account was still showing. {$230.00}. Pymt was needed and I only had a $ XXXXCredit Limit. They said pymt would post by XXXX-21. That evening XXXX21 my account was closed I called to ask why the first rep said security issues they were not privy to I asked for a Managing Supervisor she said no not a security issue I would recieve a letter in the mail as to why. I asked about my deposit and she said that was what I had been using and I said if so then why did I owe {$320.00}. If you were using my {$300.00}. Deposit then I should have only owed {$28.00}. I am out of {$620.00} I was using this yo build my credit and fico score so I can rent a home for my family because we have been homeless since XX/XX/2021. Now all of that is going to be affected by the scam a supposedly reputable company Citi bank XXXX was offering this is a scam and XXXX XXXX needs to take this off their website so no other consumer is affected like I have been.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, XXXX XXXX XXXX  ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX CO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a home equity line of credit one month ago. The lender was unable to retrieve my credit report from Experian. I was informed that a fraud alert was on the account. I called Experian seven times over the last month. I uploaded the requested documentation at Experian.com/upload. I mailed in a hard copy of the requested documentation by USPS. I was informed that the fraud alert had been permanently removed. 

My lender still can not retrieve my credit report. I spoke with two separate Experian tier 1 supervisors, XXXX and XXXX, yesterday who both told me, There is nothing I can do and when I asked them what to do next, they both said, I dont know. 

Meanwhile my loan has been approved but can not be processed without the credit report from Experian.
Product: Student loan

I signed a parent plus loan with Sallie Mae than next thing I knew that it was sold to Navient. The payments were set at XXXX dollars a month than they kept having me defer it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX  who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report and need to remove from reporting : XXXX XXXX XXXX {$0.00} XXXX XXXX -Balance {$2100.00}
Product: Payday loan, title loan, or personal loan

I was pre-qualified for a {$50000.00} loan via XXXX XXXX at 14 % APR. I applied and submitted all required documents. Where it asked for my university diploma there was a box for I dont have this. I selected that. 

The next day Upstart contacts me to tell me they got my application but I needed to submit a better pay stub and add my W2. During this conversation the employee casually mentions my 21 % APR and {$3600.00} origination fee and asks if I have any questions. I said yes ; that the APR was  supposed to be 14 % and origination about {$1200.00} lower. He responds that this is because I didnt include a picture of my diploma. I expressed my displeasure with that and he told me I could provide an online transcript and he would note on the account to reconsider loan at original terms after this was received. Fine. 

I submitted my new paystub and W2 and school transcripts as this miserable company required to get the original 14 % terms and 2 days later, they just emailed to tell me that I need to give them copies of canceled checks and by the way, THE LOAN IS NOW 28 % APR. 

Their SOP is obviously to bait and switch and pressure borrowers into accepting absurd terms.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am submitting this formal complaint regarding inaccurate late payments reported on my credit file maintained by TransUnion, XXXX, and XXXX for the XXXX account. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint Inaccurate Reporting : The late payment for XX/XX/year> reported by XXXX is inaccurate. I have consistently made payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The reporting of these late payments misrepresents my creditworthiness and violates my rights under 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers of credit information.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : The false reporting of late payments may also violate the FDCPA, which prohibits misrepresentation of account status.

Truth in Lending Act ( TILA ) : The inaccuracies in my credit file appear to be in violation of TILA, which mandates accurate credit information reporting.

Furthermore, the FCRA ( 15 USC 1681i and 1681s-2 ) requires credit reporting agencies and furnishers of information to correct inaccuracies promptly. Under FCRA sections 616 and 617 ( 15 USC 1681n and 1681o ), noncompliance subjects parties to civil liability for damages, including attorneys fees and punitive damages. 
Evidence of the Error The attached credit reports from TransUnion, XXXX, and XXXX demonstrate conflicting and inaccurate reporting for the XXXX account : XXXX : Reports a XXXX late payment for XX/XX/year>, which is incorrect and unsupported by any payment records. 
TransUnion and XXXX : While these bureaus do not list a XXXX late payment explicitly, their payment status fields incorrectly indicate " 30 days late, '' which is inconsistent with my actual payment history. 
These discrepancies across all three credit bureaus misrepresent my account status and payment reliability. As I am enrolled in autopay for this account and have consistently made timely payments, these errors are unfounded and detrimental to my creditworthiness. 
Requested XXXX I request that the CFPB investigate this matter and instruct TransUnion, XXXX, and XXXX to remove the inaccurate late payments from my credit report. I ask that my credit report be updated to reflect my accurate payment history of 100 % on-time payments. 

Please confirm the resolution of this matter in writing within 30 days. If the issue is not addressed, I may pursue further action to protect my rights as a consumer. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX