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

I attempted to contact synchrony bank regarding payment from my optional XXXX insurance. Claim Number XXXX. I was advised on a prior conversation that the creditor paid {$770.00} of the bill but also agreed to waive several charges for program fees, interest, and late fees. However, when I asked for a letter indicating this they refused to provide proof of such which I think they are legally compelled to do both under truth in lending and because I need to provide this information to my tax professional. Further, this account has been referred to a collection agency and I advised Synchrony Bank that while the collection agency cashed the {$770.00} check they are not waiving the rest of the bill so I need the benefits information in writing ( including what synchrony bank has agreed to write off for program fees, interest, and late fees ) so my attorney can get the collection agency to write the charges off and fix my credit. 

Please send me a breakdown of the payments and the write-offs as a response to this complaint.
Product: Payday loan, title loan, or personal loan

I obtained a account about a year ago ... ... ..I have paid over {$1500.00} on a {$2600.00} account .... They still say that I owe XXXX XXXX and XXXX XXXX, {$5200.00}!!! I am XXXX years old and did not understand that this usury interest rate is over 500 % The account number is XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/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 Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX XXXX, XXXX. on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XX/XX/XXXX with a balance of {$35000.00} 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 FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO 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: Prepaid card

This is a combination of fraud/scam and unauthorized transactions. US Bank is selling XXXX Prepaid Gift Cards which are n't activated properly upon purchase though the activation slips after purchase indicate they are activated and nothing is wrong. US Bank then forces you to fax in all the card information to their " activation center ''. You do not receive any calls from the activation center, but then the card will be furtively activated without your knowledge and the funds drained. Either US Bank is complicit in supporting this fraud, or they are completely negligent for allowing this to happen. I have attached for reference the images and fax that I was forced to fax to them to have my card activated.
Product: Mortgage

The lender together with my realtor completed an appraisal without communicating with me. This was scheduled on the day of my inspection and my wife who was on the site had no idea that the appraiser was there. I did sign consent authorizing Quicken to take a deposit and to begin the underwriting process, but I do feel mislead since the appraisal scheduling was done without consulting me at all. I wanted to wait until after the inspection since the deal was not totally finalized and now that I am not moving forward with the loan due to the results of the inspection, I am not being refunded my deposit. I 've asked for communication between my lender and my realtor, but Quicken Loans has refused to provide this stating that it is " proprietary. '' I would like to know how and why this was scheduled without my having any input into the scheduling.
Product: Student loan

I was on a repayment plan working towards my 120 payments in order to get PSLF. In XX/XX/year> my repayment plan was changed, without my knowledge, to a repayment plan that is not compatible with the Public Service Loan Forgiveness program. I was called Mohela 15 times over the last 3 weeks, have been on hold well over 24 hours and transferred 12 different times trying to get answers. Each time, I was put on hold so the representative can do " more research '' into my issue... then I am disconnected.
Product: Money transfer, virtual currency, or money service

I have been trying to shut down my PayPal account for the past couple of weeks. They have shut phone lines down due to Covid-19 but when I talk to chat support they say accounts can only be shut down over the phone. They also refuse to let me remove my bank account unless I provide them with another one.
Product: Credit card

1. I had a Bank of American credit card account with auto-pay set up on the account for over two years.

2. In XX/XX/2023, there was an amount due on my account at the end of the month. The auto-pay failed to make the required minimal payment. There was ample money in my checking account. I could find no record that Bank of America attempted to make the pre-scheduled auto-payment.

3. When I realized there was a payment due I went online and paid the full balance due along with late fees.

4. I called and asked " customer ser
vice '' how/why my auto-pay feature was disabled. The representative told me simply that she didn't know. She offered no explanation.

5. I requested a refund of late fees. My request was declined by Bank of America.

6. I requested that the adverse report to the credit monitoring agencies be rescinded and corrected. My request was declined by Bank of America.
7. My credit score was adversely affected by the erroneous reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made telephone calls, sent certified letter including proof of identity and submitted online disputes to have Experian correct my personal information. Similar to the case Nelson v. Experian Information Solutions , Inc., No. 24-10147 ( 11th Cir. ), Experian continues as of the date of this complaint to provide consumer credit reports of mine with incorrect information and as a result I am continuously being damaged as of a result of the error filed reports. My last result would be to sue Experian for their blatant disregard for following the process and guidelines afforded to protect consumers under the FCRA. Attaching only the last communication with Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS # XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation thatneeds to be updated properly. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. Please delete all other unknown addressesthey are not correct. Te following addresses are not mines : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX OH XXXX. Please remove the extra name from mycredit report. According to 12 CFRPart1022 ( Regulation V ) requires furnishers to : Furnish information concerningaccounts or other relationships with a consumer thathas integrity. Furnishinformation about accounts or other relationships with aconsumer that is accurate. C- Conduct reasonable investigations of consumerdisputes According to XXXX, inorder to make a lawful report, you must follow theMetro 2 compliance standards.
Product: Credit reporting or other personal consumer reports

In accordance with the far credit act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Acct Name : XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX XXXX XXXX XXXX Acct # XXXX, Acct Name : XXXX Acct # : XXXX, Acct Name : XXXX Acct # XXXX, Acct Name : XXXX XXXX # XXXX Acct Name : XXXX XXXX # : XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # : XXXX Acct Nmae : XXXX Acct # XXXX Acct Name XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX Acct Name : XXXX  XXXX Acct # XXXX Acct Name XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX XXXX Acct # XXXX Acct Name : XXXX XXXX  XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy.

15 U.S.C 1681 section 604A section 2 : also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may take any report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime with antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft XXXX and Wells Fargo have still reported inaccuracies on my credit report I have filled a police report, identity theft report. Each company still refused to remove an inaccurate account on my credit report. This has affected my entire life I just want justice. This person that has stolen my identity has destroyed my life and deserves to be held accountable for their actions. I have filed many disputes credit freezes fraud alerts I dont know what else to do.
Product: Credit reporting or other personal consumer reports

Please dispute the following negative accounts. 

XXXX : XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX  ) Account Number : XXXX {$740.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX {$1500.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account XXXX : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX Account XXXX : XXXX {$21000.00} XX/XX/XXXX XXXX XXXX XXXX 
Account Number : XXXX {$3900.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX Experian : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX {$500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX {$740.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX {$2000.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX {$21000.00} XX/XX/XXXX XXXX : XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX  XXXX  Account Number : XXXX {$2300.00} XX/XX/XXXX XXXX XXXX  XXXX Account Number : XXXX {$1500.00} XX/XX/XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  Account Number : XXXX {$21000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts and inquiries reported on my consumer credit report, as referenced below. These entries are the result of a data breach or fraud, and any unauthorized inquiries or accounts must be thoroughly investigated. I hereby demand verifiable proof bearing my signature or electronic signature for these actions. 

Please note that this letter is being sent directly by me, not through a third party, so I request that you review it carefully. I never authorized the actions reflected in my credit report, and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B : Blocking information resulting from identity theft or fraud [ 15 U.S.C. 1681c-2 ], and Section 604 : Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

After contacting the companies involved, I have confirmed that these actions were initiated without compliant validation or original proof. The accounts and inquiries in question are factually inaccurate, as I never authorized them. These entries are the result of a data breach or the illegal reporting of my consumer information by creditors or third-party data furnishers.

I respectfully request that you take immediate action to investigate and remove these unauthorized entries from my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX of XXXX I disputed 2 accounts that were reporting on Equifax credit report. They are duplicate accounts which have all the same information including the account number, the date opened, the balance, the date of 1st delinquency etc. It 's now XXXX of XXXX and they ended the investigation of one of the accounts but the 2nd account is still showing that it 's being investigated and that reinvestigation is in progress. The problem with this is I never disputed the account a second time so the last dispute was done in early XXXX, so how can the account still be being investigated. It 's my understanding the factoring company only has 30 days to reply to the investigation and if no response by the time allowed then the account would be deleted.
Product: Debt collection

I went to the ER for XXXX XXXX in XX/XX/2018. I was told that all I had to pay for about {$250.00} for my bills since I didn't have insurance. I payed and left. Weeks later I get a bill from the hospital which I couldn't pay because it was over {$1500.00}. I didn't know I would get billed like this because it wasn't discussed in the hospital or else I would've left. Time passes, and now apparently the bill was sent to collections. I didn't receive any mail that notified me about the dept collection or how I can resolve the issue. I did receive a lot of random calls for 800 numbers but I never answer them because I don't know who it is. Now when I checked my credit score report, it shows I have been placed in collections and that it won't go away for years. I called the company and asked that if it can be removed if I payed them. The lady told me no. I asked for an online link to pay for the dept and the link I received along with the account number also didn't work for me to get into my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter to Transunion to provide physical verification for an account that is being reported on my credit report, and for those items to be deleted, after 30 days there was nothing sent to me. On XX/XX/2020 I then wrote another letter requesting the same information, and the same deletions. As of today XX/XX/2020 I have still yet to receive any physical verification of these items belonging to me. Per section 609 of the FCRA they are required by law to provide this information, and if they can't the items should be deleted at once.
Product: Vehicle loan or lease

I leased a new XXXX XXXX XX/XX/2016. During the course of the lease I made multiple visits to their service department requesting repair or replacement of my bluetooth so I could have hands-free telephone operation. Though it was clearly defective from an operational standpoint, they could not identify the source of the problem and refused to replace it. When my lease was up, I purchased a XXXX and their bluetooth system is flawless. When I returned the vehicle, Mercedes wanted to charge me {$590.00} as an end of lease fee which they agreed to waive as an " incentive '' to lease another Mercedes. I advised them that their failure to provide me with the functionality I was paying for was a dis-incentive to lease another Mercedes and that they should waive the end of lease fee as restitution for their failure to perform by not providing the service I contracted for and was paying for as referenced above. 
A second and more troubling end of lease charge was for low tread on two of the tires. If one leases a car for 30,000 miles, one has the right to anticipate the tires will last 30,000 miles under normal driving circumstances which mine are. There were 27,000 miles on my car when I returned it. The simple fact here is Mercedes gets you to pay for new tires twice though you have only driven the car for mileage well below the tread life warranted by the tire manufacturer ( 55,000 miles ). Then Mercedes can sell the vehicle with new tires paid for at a cost of ~ {$600.00} by the lease customer. In effect, the customer pays for tires twice. This in my opinion is a scam.!

Currently my credit score at XXXXXXXX is XXXX. Now Mercedes is threatening to turn my account over to collection as a means of " extorting '' money from me that they are not entitled to receive. In point of fact, it is my true belief they owe me a refund for the services I paid for but did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian to have fraudulent inquires removed off of my credit report and they would not help. I kept getting transferred and stuck in a rabbit hole.
Product: Student loan

In XX/XX/XXXX, I contacted my student loan servicer Nelnet regarding my late student loan payments. It was agreed upon that my loans would go into forbearance. I later received documents dated XX/XX/XXXX that my loans had been placed in retroactive forbearance, with start dates of XX/XX/XXXX and XX/XX/XXXX Despite this, my server continues to report my loans as late for the dates covered by my forbearance. On XX/XX/XXXX I contacted Nelnet regarding this and was informed that they would not update my account information and would continue to report multiple late payments despite the fact that my forbearance period covers the dates they are reporting as late. Nelnet is now reporting my loans as current.
Product: Checking or savings account

I deposited a {$550.00} check on my phone on XX/XX/XXXX on the Wells Fargo app but it immediately got debited in my account and marked as a duplicate even though there wasn't a duplicate deposit. 

I call them and they said that they can't do anything on their end and that I have to go to a branch. I go to a branch on XX/XX/XXXX, tell the banker what was going on, and deposit the check. The next day it gets debited from my account again. 

I go back to the bank to ask what's going on and they open an accounting case and that I'd hear from them in at most 10 days. I get a letter in the mail on XX/XX/XXXX stating that " We have reviewed your case and a debit card adjustment of {$550.00} has been processed to your account on XX/XX/XXXX '' which is just restating the problem that I had in the first place. 

I've been calling them and visiting branches fo a month and I just get passed around to different people because they all say they can't do anything about it.