23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The company I have a problem with is CareCredit Synchrony Bank. The amount charged to this card was paid. However, as we got close to pay off the company, for an unknown reason, stoped sending paper statements to my address. I call the XXXX # on the back of the care on 3 different days and the computer system and live persons told me there was a XXXX balance on the card. Later, we ( my husband and myself ) got automated calls about the account. When we finally were able to speak to a human, we were told we missed the payoff date and now owed XXXX. After a long conversation, I was told we were no longer getting paper statements because they were sending statements to an email address, which we do not check. This person also found not tell my who or when this statement change was made. To the best of why calculations we have paid full amount charged on the card. To date the amount is over 3000.00 dollars. Also, the last call I received from this card company the lady told me " I see you have a XXXX balance, how may I help you? ". It appears to me their system does not see accounts correctly. I feel this card company has used unethical practices to charge excessively high interest rates. I have told my story to several people at this company, yet no person in management has contacted us to resolve this matter.
Product: Prepaid card

I received an Amex Gift Card and activated it as required before it could be used. The Amex website portal XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a balance. I have attempted to use these funds with various online merchants such as XXXX and XXXX ( using {$1.00} less than the face value of the card ). And all the transactions have declined. I then tried again with various other amounts less than the full face value with no success. Many people have reported having this problem starting this past year.
Product: Debt collection

Disputed the inaccuracies of XXXX XXXX XXXX on my credit report with Equifax on XX/XX/XXXX. Company received my disputes on XX/XX/XXXXas it shows according to the certified mail. It is now XX/XX/XXXXand I've yet to hear back. The FCRA gives the company 30 days to respond. I have not gotten a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Error In Credit Reporting it says employer XXXX XXXX XXXX. This was removed many years back. It recently appeared a few months back and was told by transunion rep It would come off. Just want this removed from my personal information.
Product: Money transfers

They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers.ALL Shipments Confirmed / Delivered They Violated My Consumer Rights by with holding {$240.00} USD. No claims or Disputes where filed by any Customers. ALL Shipments after Checking Tracking are Confirmed / Delivered. When I logged in to my paypal account I had received a message that states " Your account access is limited. Learn how to remove this limitation. " Upon clicking the notification on the right hand corner of my paypal account this is the message that appeared : You ca n't use PayPal anymore At PayPal, we value a safe community for our customers to do business. We noticed activity in your account that 's inconsistent with our User Agreement and we can no longer offer you PayPal services. 

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you ca n't send or receive money. Any money in your balance will be held for 180 days, at which point we 'll send you an email with instructions about transferring your money. 

Reference # XXXX I have learned that this is NOT ONLY NOT ETHICAL BUT ALSO ILLEGAL BY HOLDING MY FUNDS. I want MY FUNDS IMMEDIATELY RELEASED. I did my part by SHIPPING OUT MY PRODUCTS. I WANT TO BE PAID. I AM NOT ONLY OUT MY PRODUCTS THAT I HAVE SOLD BUT ALSO MY MONEY THAT I AM OWED. ANYONE THAT IS READING THIS THAT WANTS TO BEGIN SELLING ON EBAYXXXX PLEASE PLEASE I URGE YOU TO OPEN A MERCHANT ACCOUNT AND STAY AWAY FROM PAYPAL THEY ARE THE BIGGEST CROOKS IN THE WORLD WHO HIDE BEHIND THERE BUSINESS. 
Account ID : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX shows XX/XX/2020, XXXX shows XX/XX/2020 and Transunion has XX/XX/2020. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I  have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX Account Name : DEPTEDXXXX Account # : XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I stayed at a XX/XX/XXXX which I had booked through XXXX. XX/XX/XXXX wanted a deposit of {$57.00} to be released the following day when I checked out. 

I've spoken withXX/XX/XXXXseveral times and they assure me that they released the hold. 

The card that I used was an American Express Bluebird card. I've contacted American Express several times trying to discuss what should be done and they don't want to do anything about it. 

They said it will be held for 30 days unless the hotel releases the hold or mails a letter to American Express stating as much. 

I understand that there may at times be a need for credit card companies to hold funds. However for a credit card company to withhold my money from me for any amount of time when it is unwarranted in my opinion is theft. 
Respectfully XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received an e-mail indicating that I had applied for a loan through my e-mail when I had not applied for anything. I notified the company that this was a case of fraud and gave them my phone number to contact me. However, they insist that I provide an affidavit and my I.D . to cancel the application. I never applied for anything! Therefore, it is not my responsibility to provide my identification to a company that I am not associated with nor want to be associated with. This kind of practice is what perpetuates identity theft and clearly no one is monitoring how they are handling their fraud cases. I want the loan cancelled that was associated with my e-mail.
Product: Payday loan, title loan, or personal loan

I had been making payments for over a year using the same bank account. I logged in one day to find my bank account had been taken off right before a payment was due and I could not make the payment. I can not readd the bank account to pay. Emails went unanswered. I now have a late payment on my account and credit report.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Incorrect Name - XXXX, XXXX, XXXX Incorrect Name - XXXX XXXX Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX, FL, XXXX
Product: Debt collection

Today on XX/XX/XXXX I received a letter from United Collections Bureau , INC. Address XXXX XXXX XXXX, XXXX, OH XXXX. 
Account number : XXXX Reference number XXXX Contact number : XXXX They are stating I was unsuccessful in making a payment with XXXX XXXX XXXX. This debt was currently being debated with the hospital due to improper care and error made during a procedure that caused me physical harm. My patient advocate is XXXX XXXX. 

This creditor has taken a debt that the balance of the debt was only XXXX dollars and now has sent me a collection notice for XXXX. This is against the law according to Proposition 209, the predatory debt collection protection act.
Product: Payday loan, title loan, or personal loan

I have a line of credit through Westcreek For auto repairs.I emailed and also spoke to a representative and informed them to stop auto pay because the account was mine anymore and I have a new account I just wanted the auto pay to stop! I was informed that it was taken off and to just make payment and call in when I have my new account info.Agreed, well the company dismissed what was discussed and continue to withdraw even after I asked them to stop Ive repeatedly emailed with no response I just dont know what else to do
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, DEPTEDXXXX  Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, DEPTEDXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # 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. 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of the competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a auto loan for a car with XXXX XXXX. XXXX XXXX  had my incorrect address on file, they was sending my mail to a Virginia address, that I never lived at. I just got that Virginia address removed from XXXX, Transunion and XXXX account. I had to call to and update my address for that account. 

In accordance with the fair credit reporting act convergent Account # 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

Signed non disclosure with property management to terminate lease without penalty or fee Moved out of XXXX XXXX XXXX in XX/XX/XXXX Paid remaining rent in the amount of {$1000.00} on XX/XX/XXXX and received confirmation from them that it had been paid Sent to collections for {$1000.00} on XX/XX/XXXX Called the property manager and e-mailed to which we were told it was a mistake on their end and they would fix it. After a series of e-mails and calls for 2 months I sent a dispute on my credit file on XX/XX/XXXX to which the dispute was not resolved despite the proof of payment and confirmation from the property manager themselves! 

This amount is still on my credit report adversely impacting my score and financial stability along with my federal security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take action immediately your company is in violation of several laws according to the FCRA your displaying multiple incorrect accounts and it is effecting my ability to obtain credit. this is my last time reaching out on my own behalf next time you will hear from my lawyer.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

Account name XXXX XXXX XXXX XXXX Account name : XXXX  XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681S-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I had to get a loan while in school, the only option I had was a personal student loan and a co signer. I went through AES. I borrowed XXXX and I have been paying on this loan for around 15 years. I still owe XXXX I have tried to put this loan with another lender to help get it paid off and no one will take it. I have paid XXXX on this loan. I have asked to be on a forgiveness plan and it is not available. I am sick over this. I feel like this company is taking advantage of me and I am a single mom with XXXX kids. I just want to get rid of this loan I am not sure what else to do. I would love to have all the extra money I paid back to help pay my current bills. I really need some help here.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries accounts that are labeled charge off and accounts that are not mine
Product: Debt collection

I RECENTLY CHECKED MY CREDIT REPORT AND NOTICED TWO COLLECTIONS THAT DO NOT BELONG ON MY CONSUMER REPORT. THE FOLLOWING DEBTS WERE PAID DIRECTLY TO EACH COMPANY.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Credit reporting

On XXXX XXXX of 2015 I ask that a dispute get started for something that showed up on my credit report. After the XXXX days was up on the investigation I sent another letter telling them to remove the item because they did not complete the investigation. I have not heard anything from the yet and it has been months since I first asked them to start the investigation. On XXXX XXXX they wrote a letter and sent it to me stating that " Suspicious requests are reviewed by experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. We will not be initiating any disputes based on the suspicious correspondence. Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information. 
If you believe that information in your personal credit report is inaccurate or incomplete, please call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " This is not following the guidelines but even if it were, I went on the internet and people say to send more ID showing you are who you are. So that is what I did. A SS Card, ( 2 ) state ID 's and a military ID. They will not respond to any of my request. This debt like many others that they refuse to investigate is n't my debt and I am paying the price with a bad credit score because of someones mistakes.
Product: Debt collection

This collection company spoke with a third party without my consent I disputed it online with XXXX and never received anything.
Product: Checking or savings account

I received a cheque from my roommate totaling {$11000.00} to reimburse me for booking a residence in California for a few months. A day after depositing the cheque, I received an alert from Chase Bank that my checking account is being suspected of fraud, and that a restriction is placed on the account. Additionally, the account is subject to close if I do not contact them. Immediately after receiving the alert, I contacted Chase Bank to resolve the issue. They told me that to remove the restriction on the account, they must contact the maker of the cheque ( my roommate ) by providing them with his phone number. After doing so, they said that the number I provided does not match my roommate 's name in their database. They claim that the only possible way to remove the restriction is to provide them with a phone number that they can verify in their database. 

I tried to suggest the following solutions : - My roommate and I come in to a Chase branch together to verify his identity. Chase told me that this is not possible. 
- I want them to provide me with more information on steps I can take to ensure that my roommate 's phone number can be verified in their system. They refused to give any details on this. 
- My roommate is also a client of Chase, so they should have his information on file to verify. However, since he sent the cheque through XXXX, they said this was not possible. 

Additionally, even if my account is closed, I've been informed that I will still not be able to receive my funds until I remove the restriction on my account. I currently have around {$15000.00} in this account, and if this issue is not resolved, I will be losing that full amount.
Product: Debt collection

According to the ( FDCPA ) this 3 party collections company is breaking laws I told them to stop contacting me and they still contacted me through email because they could not validate the account correctly they do not have any contract with me and they also stated that they do not own the account!!! I contacted the original company which is summit park apartments they stated that the account was written off as a cancel of debt. So technically this 3rd party collect company is trying to collect on a debt thats been canceled. They against the ( FDCPA ) laws also The ( IRS ) laws there was a 1099-c form filed own the debt for a tax break for summit park apartments. The 3rd party company do not have any real documentation for holding this account on my consumer report they must delete this account at once the original credit also stated that they do not own the account as well so it must be deleted this account is satisfied as cancellation of debt.Which the ( IRS ) identify as Earned income so National credit systems has lots of cases where they breaking law of the ( FDCPA ) ( FTC ) as well
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I have submitted a request to now opt out of any and all authorization, I the consumer, may have given to the creditor - written, unwritten, verbal & non-verbal per 15 USC 6802 & 16 CFR Part 313 which [ in summary ] states that it is a violation of my rights to report personal & nonpublic information to a third party. This should be effective immediately & indefinitely. Below is a detailed description with specific information that I am requesting to be reflected in my consumer report moving forward per the Privacy Act of 1974. 

XXXX XXXX XXXX XXXX : Inaccurately reporting credit card utilization. It is illegal to report transaction history. Please advise creditor to keep the account as open on my credit/consumer report, and to report the utilization as 0 % [ backdated to opening of account and for present and future use of the open ended credit account, as long as there is a contract in place ], per 16 CFR 313, 433.2 and 433.3.
Product: Credit card or prepaid card

I applied for a Wells Fargo credit card on line for a balance transfer from my XXXX account. When I applied on line the response I received stated my application was under review and someone would contact me shortly. I never heard back and contacted Wells Fargo at XXXX to find out the status of my application as well as the terms and conditions of a potential credit card, on XX/XX/XXXX and again on XX/XX/XXXX. Another week went by and went I went to my online banking, a credit card account had been opened with a balance transfer of {$5000.00} and a fee of {$140.00} on XX/XX/XXXX! I called Wells extremely upset and advise I never authorized this credit card as I had called to obtain the terms and conditions of the card and they had violated regulation B as no notice of approval had been issued to me. They said someone from the complaint department would be in touch. Still hearing nothing I received an email on XX/XX/XXXX from XXXX XXXX at XXXX stating she was from the executive office and was working on my complaint and I would hear something by XX/XX/XXXX. Still hearing nothing by that date I had contacted her on XX/XX/XXXX and she indicated because Wells Fargo sent me a notice that I had been approved they would not refund the balance transfer fee. I urged her that I was dissatisfied and had never received a letter, and why hadnt they called me back, I would be paying off the card and closing it out in the next 3 weeks and I had moved residences and I had been a long time customer of Wells, as a courtesy I want the {$140.00} fee refunded. XXXX stated that because a letter was mailed, there was nothing further. I am appalled at the compliance violation and lack of professionalism with Wells Fargo thinking they can just issue credit without confirmation from the customer. Please try to recoup this balance transfer fee for me. Thank you.