23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

TransUnion provided an incorrect credit information to XXXX XXXX in connection with my credit card application thats why my application was denied XXXX times. The incorrect information provided by Trans Union read : " XXXX XXXX or XXXX account ( s ) not paid as agreed. '' The truth of the matter is I do not have an account with XXXX XXXX and XXXX. 
I called Trans Union XXXX and they could not explain why an " unpaid XXXX XXXX or XXXX account ( s ) '' appear in their report. All they could say is that they will mail me a copy of my report. My last call was pick up by Trans Union call center in XXXXand they do not seem to understand the issue. Meanwhile, my credit application is damaged because Trans Union do not take action to correct their inaccurate reporting.
Product: Credit card

I applied and was approved for discover credit card XX/XX/2015. XX/XX/2015 Discover started a double cash back bonus promotion. Basically at your one year card anniversary the dollar amount of cash back bonus that you have earned would be doubled by Discover. So at my one year anniversary I noticed my cash back did n't double. I called Discover and asked about it They said that all card members were notified by email or by mail XX/XX/2015 giving them the chance to opt in to the promotion. I never received notification. Why would anyone turn down the chance to double the cash back? Why did n't Discover just enroll all of its eligible customers?
Product: Mortgage

My mortgage was sold to spservicing then it started to show that my loan type included PMI but it didn't charge me for PMI. I have called multiple times and every time they ask me to send a letter and they would get back to me 30 days. which is insane. And there is no way to pay the low fee amount. I have called and sent multiple emails about it to them and the service is purpose awful to the point where it is fraudulent.
Product: Debt collection

XX/XX/2022 I mailed a dispute to Experian and to the collection agency XXXX XXXX XXXX XXXX XXXX XXXX Notifying each party that this debt is not my debt, and I informed XXXX to produce a wet ink document to prove that I signed any agreement with them and they have yet to do so. I called experian to see if they had received my dispute letter they informed me that they received my dispute letter and they was investigating and the collection should be removed by the XXXX of XX/XX/2022. Well I noticed that XXXX is still on my credit report after a proper dispute was filed. 
XXXX seeking help to remove XXXX from my credit report this collection agency is having a negative affect on my financial life. 
I do not owe XXXX XXXX XXXX any money, nor have I entered into a binding contract with this Third Party XXXX.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported to be removed/updated.

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

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this inform
ation was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1800.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00}
Product: Credit reporting or other personal consumer reports

Date : XX/XX/year> Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent. 



2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section XXXX of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements. 



XXXX. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action. 



I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

MY DEBT HAS BEEN PAID. I NEED IT REMOVED FROM MY CREDIT REPORT, BOTH THE ORIGINAL ACCOUNT, THE COLLECTION ACCOUNT AND REMOVAL FROM PUBLIC RECORD.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, a hard inquiry from XXXX XXXX XXXX XXXX appeared on my TRANSUNION credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 XXXXXXXX XXXX  XXXX Inquired on XX/XX/ ; XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX Comenity Bank Request for Charge Off Removal To Whom This May Concern I hope this letter finds you well. I am writing to dispute a charge off on my credit report that is associated with a Victoria credit card. It has come to my attention that there is a charge off listed on my credit report, but I want to clarify that I have never had a Victoria credit card and any such charge is erroneous.

I kindly request that you investigate this matter thoroughly and remove the charge off from my credit report with XXXX, XXXX, and XXXX. I believe this is a case of mistaken identity or a reporting error, as I have never held a Victoria credit card or incurred any charges that would warrant a charge off.

I have enclosed copies of my identification documents, as well as any relevant information that may assist in resolving this matter. I would appreciate it if you could conduct a prompt investigation and provide me with a written confirmation of the removal of the charge off from all three credit bureaus.
I understand that you have a legal obligation to investigate my claim and correct any inaccuracies on my credit report. Failure to comply with this request may result in legal action being taken.

Thank you for your attention to this matter. I look forward to a swift resolution and the removal of the charge off from my credit report. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any further information. 

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

2 finance companies denied my application on XX/XX/2024. one being Synchrony Bank. this cost be 2 hard inquiry on my credit and {$25000.00} dollars. 

the letter i received from Synchrony Bank states a credit score of XXXX. 
they used XXXX XXXX for the credit information. this credit information is incorrect. 
i have a vantage score of XXXX and a XXXX  score of XXXX I have called XXXX, requested what information XXXX provided to the inquiry from Synchrony Bank, specifically what credit score as well ; they could not.

i have filed a separate CFPB complaint for XXXX. 

I called Synchrony Bank and got no answers as well. 
i asked for Synchrony Bank to review with how they derived my denial, they could not. 
they stated " for your privacy we do not have access '' ... but by all accounts it is for plausible deniability ; a way to blame the algorithm. 

there is little insight as to how i was denied the financing. when discuss the matter i expressed i would like to file a complaint with a Synchrony Bank in conjunction with filing with the CFPB, they said there was NO means to do it over the phone, NO means to do it over the internet. that i could only do so by contacting President Chief Executive Officer my PAPER MAIL. 

president chief executive officer XXXX XXXX - synchrony financial XXXX XXXX XXXX XXXX, Florida XXXX all of this is unacceptable. 
they have no means to audit applications, and no realistic means to resolve issues.
Product: Bank account or service

On my line of credit account I owed {$160000.00} and It was refinanced with the same bank ( PNC BANK ) and same bank according to a payoff statement they paid off {$160000.00} on XX/XX/XXXX. Based on this old line of credit account should have been closed with XXXX balance instead, I see that PNC Bank still shows {$610.00} outstanding under my account and when I called they said I still owe them interest in the amount of {$240.00}, which I paid right away on XX/XX/XXXX and the balance {$360.00} according to PNC is the charge for closing the line of credit account early ( before 3 years ), which they will waive since I opened up another line of credit account with the same bank and account will be cleared with no dues in 2-3 business day. I checked my account on XX/XX/XXXX and found amount is still outstanding so I called PNC bank on XX/XX/XXXX and again they gave me the same answer saying they will escalate this and will be resolved, I called again on XX/XX/XXXX and I was told that now I owe {$360.00} for account closing and another {$360.00} for diff in payoff amount ( which they done have any explanation on ) so in total according to PNC I owe {$730.00}. 

I have also had issue with the same bank XX/XX/2016 on my line of credit account where they tried to debit ( ACH ) my monthly payment from random account ( I didnt have any PNC account ) and when payment was returned they charged me fees and then reversed but from my next payment they took away the entire amount and applied it to the interest instead of my term which is principal and interest. 




Also, this account also shows that my next payment due is {$910.00}, can you please let me know why since this account is already closed? 




On my new line of credit accouint ending in XXXX - When is my next payment due and what would be the amount? 




I would really appreciate if you can help me by answering above and taking care of this. 


Thank you, XXXX XXXX
Product: Credit card or prepaid card

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e .

Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. 

A denial of my open ended consumer credit constitutes to discrimination. 

Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Product: Mortgage

I have been trying to have freedom mortgage to fix the paperwork on my mortgage to change the name I had gotten a divorce I had a divorce decree and a quick claim deed and still to this day I have not received the PaperWorks in the correct names this is that been going on for quite a while then Covid hit I lost my boss a job and had my son and his girlfriend living with me I fell on hard times I was told to the mortgage company that there was a full branch plan that I could get into and I could refinance my loan without any credit check which took my payment to {$480.00} then the program came out from XXXX XXXX I applied for that because at that time I was XXXX something behind on my mortgage then freedom mortgage had sent information to the XXXX HAS stating that I was not in behind on my mortgage that my payment was going to be pushed to the back of my line now for some reason or another they took me off of the for XXXX XXXX and my mortgage went up to XXXX and something dollars I have had nothing but problems with this company is trying to get the PaperWorks corrected signed notarized and sent back they keep saying every time I call they need this paper they need that paper then they say oh yeah well we found it here Ill submit it to them telling them in the underwriter department that it is here well still to this day I have no correct PaperWorks to sign and I dont know whats gon na go on as far as the XXXX program if I can get any help now because now XXXX and something dollars in the rears on my mortgage so I really need help with this company this mortgage company Freedom Mortgage has been nothing but headache after headache after headache each person I talk to gives me a different story different information and still some of them say they need this paperwork that paperwork and that they was also going to bring it to a supervisor I have yet to receive a phone call from any supervisor stating that the issue was fixed and I will be receiving the PaperWorks upon requesting an appointment with a notary so that the papers can get notarized
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name XXXX XXXX XXXX Account # XXXXXXXXXXXXXXX The above stated account was disputed and came back as " verified. '' I'm not sure how this could be since Experian and XXXX both only list the the original creditor as a residential address. This account was opened on XXXX XXXX, XXXX. 
What is the alleged account for? 
Is this a credit card, car payment, medical collection, what was the good or service rendered to me that I owe? 
If this is a valid debt that should appear on my credit report then what was the first date of delinquency? 
Did this account report a XXXX  day past due? XXXX  day past due? XXXX past due? To my knowledge the answer is no, this account just appeared on my credit report. I understand it is a very common practice for creditors to try and attach an address to the consumer and if they can successfully do so they state the account as valid. I don't know if XXXX XXXX XXXX can do that or not. But what I am 1,000 % sure of is this company nor its alleged original creditor can attach any sort of good, service, installment agreement or contract to me that I was ever even 30 days late on let alone having an account that warrants a charge off and collection. Please remove this account.
Product: Debt collection

Account # XXXX Amsher Collection Service 1602 A. States I have the right to privacy.

lon 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without n a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any oi on Any other adverse item of information, other than records of convictions of crimes which antedates t 1 years.

1s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting age or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

The State of Missouri Federal Court does not submit information of Public Records to ANY of the 3 credit bureaus, that was verified by me via mail with the State of Missouri Federal Court - XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXXXXXX, MO XXXX. I had a Chapter XXXX Bankruptcy on XX/XX/XXXX that is an outdated Public Record still being reported on my Credit Reports from XXXX, XXXX and TransUnion. All matters of Public Record that are not reported to the Credit Bureaus directly from the Federal Court, but by a third party data miner, are not to be considered valid or accurate. Please assist me in getting the Public Record from XXXX off of my XXXX Credit Report. Thank you so much.
Product: Credit card or prepaid card

Dispute the late payments on Ashley XXXX Synchrony bank, not late as reported.
Product: Credit card or prepaid card

I dont recall this account ever being late. You are reporting inaccurate information that is ruining my credit and I demand you remove this inaccurate information immediately from my credit report. I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX XXXX DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request to Update Public Records with Phone Number Dear XXXX  Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account is too old to be reported on my credit reports. ACCOUNT SHOULD BE REMOVED 3 YEARS FROM THE DATE OF THE LAST TRANSACTION per the FCRA and the debt collection statutes in the state of Alabama, the debt should be removed 3 years from date of last payment which is XX/XX/XXXX. The longest amount of time allowed for a lender to display an old account is 6 years from the date of the last payment and that is for mortgages only, but even using that date this item should have been removed in XXXXXXXX XXXX XXXX. I have requested proof of the debt, proof of ownership of the debt, a signed contract or agreement between myself and the lender, any other documentation showing this debt is mine, the dates of the debt, and the lender has failed to respond at all. They have not provided any proof of ownership of debt and they have not removed the item due to the date of the last reported transaction on the account being more than 6 years ago.