23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a victim of identity theft. I recently learned that my information was used to open an account with Care Credit. I did not authorize or open account. I had previous account with Care Credit, it was paid and closed in XX/XX/XXXX. I was made aware of unauthorized account when I received bill in the mail for {$4600.00}. The charges were for XXXX XXXX provided for a XXXX XXXX XXXX. I have no knowledge of this person. I called Care Creit onXX/XX/XXXX I spoke with XXXX, and was advised that he would close account and I would receive. Fraud package in the mail. On XX/XX/XXXX I made a second call to Care Credit. I spoke with XXXX in the fraud Department. She confirmed that the account was closed HOWEVER It was NEVER referred to fraud department. I am still waiting for that package. I have filed. Police a Report with XXXX XXXX XXXX. I made a third phone call to Care Credit onXX/XX/XXXX and spoke with a XXXX, still no package .I did receive a letter from Synchrony Bank stating they had closed my J C Penney account. I  closed this account inXX/XX/XXXX. My credit report also shows the account as closed. Synchrony Bank is provider for Care Credit as well. I feel that they are giving me the run around. I ask for a fax number for the Fraud Department, and was told there is no number. I do not want this on my credit and I did not wish to pay for charges I did not authorize.
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXXXXXX  This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX ) 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 in ( MONTHS REPORTING LATE ) to be removed. 

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. 


( XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information 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! 

Delete the late payments from my consumer reports
Product: Credit card

When I wanted to set up my auto pay on my account when I charged my rent to my American Express and used the Plan it option. There was no calculated amount I did not know when to set it up. Then it's like the bill is due the XXXX I'm swamped at work and it's XXXX and XXXX XXXX they did not send mean reminder the day of or the next day it wasn't paid there was a late fee already on there more than 5 % what is due. I'm paying so much in interest in these guaranteed payments to you and you're charging still an obscene over 10 % rate to me and I'm paying it. I did it twice. When I wanted to pay there was no way to setup auto pay on the '' adjusted amount " as soon as I got the email asking if I forgot to pay I paid it but I already got a late fee. You got the money in 2 days. How did the {$29.00} late fee go to collecting? Did it cost that much to email me to pay? Did it accrue that much interest the {$500.00} payment in 2 days accrued {$29.00} in cost? This is obscene and predatory and there is no way this is good decent business practices. They told me because I had XXXX other issues prior in the 7 years I had my account for {$18.00} total they would still charge the {$29.00}. That is crazy to me and I will not pay it. There needs to be an option for consumers to fight these predatory charges in a way that doesn't destroy their credit. It legit is a system set up against the consumer and the financial service industry is getting so greedy taking a percentage fee of every transaction in the world it's no wonder I choose to use XXXX when I can. I'm hoping that AMEX can show me in good conscience how it cost then {$29.00} to collect that payment and truly justify the late fee as not some predatory interest rate against the struggling young recent college grad. I'm definitely willing to fight this in every way even though {$29.00} isn't much to me and obviously it's nothing to you, but it's my integrity I'm not willing to compromise.
Product: Debt collection

I saw an account on my credit report page from AFFIRM INC . I was told it was a loan from XXXX. I have never taken out a loan from Affirm Inc to travel. This is a fraudulent account that wasn't mine. The loan open dates is XX/XX/2017 and the amount shows is XXXX. This is not my loan or account and I want it removed from my credit report.
Product: Money transfer, virtual currency, or money service

After using the check cashing service by Ingo Money on XXXX twice they suspended my access after 2 successful cashings of valid checks saying that they had determined that my account exceeded their risk criteria. 

They did not give me an explanation for why I exceeded their risk criteria or a means of appealing the ban on my account. 

Ingo Moneys check cashing service has cornered the market in terms of providing check cashing services to online debit and checking account services. Most ( certainly above 70 % ) of these services use Ingo to allow users to deposit a paper check. Big examples of apps using Ingo include : XXXX, XXXX, XXXX, XXXX, XXXX, various XXXX XXXX XXXX rebranded accounts sold in starter kits in retail stores, among others. 

Banning me from Ingo without an explanation nor means of appeal seriously disadvantages and impedes my ability to utilize banking services and keep myself organized financially in general.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681 section 602 A. state have the rights to privacy. account : XXXX XXXX XXXX/ AMOUNT XXXX $ ACCOUNT XXXX 15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not funish an account without my written instruction. 15 U.S.C 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information other then records of conviction of crimes which antedates the reports more then 7 years. 15 U.S.C 1681s-2 ( a ) ( 5 ) 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: Checking or savings account

I was expecting a check that was suppose to be for {$22000.00}. The check received was for {$22000.00} .Insread of me getting the check a check was sent to Truist and I deposited there while I was withdrawning funds to pay some bills. When I got home I checked to see why the check was sent to the bank instead of my house and the person told me they didn't send the check yet.. I asked the person that how did the check get to Trusit, by magic. The check was already deposited so I couldn't stop it. On XXXXXXXX XXXX I tried to use my debiit card and it was declined. So I went to the XXXX brance of Trusit in XXXX Kentucky at XXXX XXXX XXXX They told me the main headquaters had put a freeze on my account for the check I didn't know where it came from. Later I lookat at the priority Mail to see where the check was sent from. It came from a place.I tried to contact the company where the check came from after Truist wouldn't do it. I had already told them the story about the check and I had no idea where the check came from. other than I gave them the information on A XXXXXXXX XXXX XXXX man could have finished a investigation by now and I told them so.. They wouldn't pay any of my bills yet they took in my direct deposits for my pensions and still won't release my money as of XXXX XXXX. I have called them asked them to call me and I would answer anything they needed. They not only closed abd block funds from my checking. They also closed my savings when didn't receive the check. I have called several times telling them I needed my money so I XXXX XXXX XXXX XXXX XXXX XXXX so I XXXX XXXX and they have yet to callme or relaease my funds. They're holding my money just to punish me and my XXXX insurace lady told me that Truist has done this to ohters. I will send the picture of the priority mail which I tried to contact from the interent but their phone number doesn't ring over 1 tiem that cuts off. I emailed their support and it doesn't work either because it was returned.. The name of the place the check was labeled as being sent from is XXXX XXXX and I will send that picture.. I have received late chargers because Truist won't release the {$15000.00} I have in the bank that was there before the fradulent was sent and I had some of those funds added after they quit paying my bills but kept my direct deposits. I would have paid all my bills on time if Trusit would send me my money.. One of the people in the Frad department told me it could take up to 90 days.. That would be from eith XX/XX/XXXX or XXXX because that is the dates on the letters I received that told me my acocunt was closed. The closeur bdate was at lkeast XX/XX/XXXX because that is the date I couldn't get any money out of the bank. ' The account statement says it took place at XX/XX/XXXX or something like that but my debit card was declined on XX/XX/XXXX. If it was deposted on the XXXX then why did they decline my card get denied on the XXXX? I will include what i still have here.
Product: Credit card or prepaid card

I've had a XXXX card for many years and have never had any problems with them until this year after I had my stimulus payment put on my card with direct deposit. By XXXX my balance was {$640.00} that I needed for XXXX rent. For whatever reason I opened my XXXX app and saw my balance was {$0.00} and 2 transactions I did not make that took all of my money. Of course I called right away and went through the process of filing a fraud dispute. On the evening of XX/XX/XXXX I checked my email and saw that I received a email on XX/XX/XXXX and was very happy to read that my card was credited the amount of the charges. XX/XX/XXXX I went to XXXX to buy food and was going to withdraw the rest of my money to get a money order for rent but my card was declined when I tried to pay for the food. I called XXXX and was told my card was locked. I asked the reason and was told for having XXXX balance for more than 30 days. When I told her that was not correct suddenly she started saying she could not hear me that it was too noisy but she had no problem hearing until that point. I hung up and called back and this time a guy told me my card was locked for having a negative balance. Two different false reasons in a matter of a few minutes? I told him it's a prepaid debit card so I can't have a negative balance and never have. He agreed put me on hold and came back and said he spoke to the dept. that's reviewing my account and my card will be unlocked in two days. Three days later I called back because my card was still locked this time I spoke to ' XXXX who seemed to really want to help me. He said the same my card was locked because of a negative balance. I told him that was not true as its a prepaid debit card, he went through my account and all my transactions and agreed I never had a negative balance. He then put me on hold a very long time then told me he spoke to THE PERSON reviewing my account and told them how he went through my transactions and told me my card would be unlocked in two days. The next day I got a email saying my account was suspended for good. HOW DO I GET MY MONEY??? There was a different number to call and when I did the guy was rude as if I bothered him and told me he could not get to my account cuz its gone. He did not give me a reason why it was suspended and could not tell me how to get my money. He actually told me there's no way I can. I called the other number I had been calling and after yelling and asking why they were doing this and to speak to a supervisor she, XXXX told me they will mail a check. No check has come and now I'm put on hold as soon as I tell them my name. How is this allowed to happen? I've read many many reviews and XXXX is doing this to very many people. This is a crime and I know that when they sent the email they credited my account my card was already locked and they planned it so I would not get my money. I'm going to be evicted PLEASE PLEASE help me. They stole on money just as sure as if they robbed me to do it.
Product: Debt collection

On/about XX/XX/XXXX, I received written communication from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ). I have NO information abou this debt : the validity of the statements made or the reason for the debt. 

I have tried to reach all of the above mentioned parties but have failed to garner any insight into the debt. Nobody seems qualified or interested in offering any assistance regarding this letter. 

I find their practices Predatory in nature and severe in tactics. Personally, I think given the fact that my identity was stolen by XXXX, this could easily be a scam.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention the inaccuracies present in my credit report across the XXXX major reporting agencies- TransUnion, XXXX, and XXXX. The Fair Credit Reporting Act ( 15 USC 1681 ) explicitly states that information can not be reported without my consent. It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and protect the security of their non-public personal information. 

In my credit report, I have identified discrepancies concerning an account with XXXX TransUnion reports the account as being opened on XX/XX/year>, while XXXX and XXXX report different open dates- XX/XX/year>. This inconsistency is both inaccurate and detrimental to my credit profile. I request the immediate removal of this item from my credit report. 

Furthermore, TransUnion and XXXX report a credit limit of {$300.00} for this account, whereas XXXX reports the credit limit as {$0.00}. These discrepancies in credit limit information across the reporting agencies further compound the inaccuracies in my report. 

The laws 15 USC 1681n and 15 USC 1681o are vital in defending my claims. These provisions outline the civil liabilities for willful and negligent noncompliance with the Fair Credit Reporting Act, emphasizing the importance of accurate reporting by the credit reporting agencies. The continued reporting of inaccurate information despite my dispute suggests willful noncompliance ( 15 USC 1681n ) and/or negligent noncompliance ( 15 USC 1681o ).

Additionally, 16 CFR 313 and 16 CFR 313.7 are pertinent to my claims. These regulations pertain to the privacy of consumer financial information and mandate accurate reporting to ensure consumer privacy rights are upheld. Reporting inaccurate information without my consent infringes upon my privacy rights, and these regulations mandate the protection and accuracy of such information. 

It is also noteworthy that while TransUnion and XXXX report this account with a high credit limit of {$250.00}, XXXX inaccurately reports the credit limit as {$300.00}. This disparity in reporting further emphasizes the urgent need for correction.
Product: Debt collection

Had credit card with HSBC. 
Card service was transferred from HSBC to XXXX XXXX by HSBC. Original credit was {$2500.00}. Now amount due, per XXXX is approximately {$2900.00}. Payments were being made and a total of {$2500.00} was paid to HSBC, excluding any late fee ( s ). In addition, have sent XXXX {$520.00}. 
___ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ph : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX, and XXXX This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXXXXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXX XXXX - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Student loan

I have over the last 6 months been able to make additional payments to Navient however they keep increasing the amount of interest on the loan so that there is no difference being made as a result of these additional payments. What happens if I were to triple my payments they would probably run the interest up to offset this too. Then Navient hides behind the statement that all loans are subject to interest rate increases. 
This is predatory lending at it 's finest with these people.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I'want these items Deleted, from my credit, reports, effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. List all those negative accounts from your Equifax credit reports. Account names and account numbers and files deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY TRANSUNION REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX INQUIRY DATE XX/XX/XXXX XXXX XXXX INQUIRY XX/XX/XXXX XXXXXXXX XXXX  INQUIRY XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX INQUIRY XX/XX/XXXX XXXX  INQUIRY XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX Name : XXXX XXXX XXXX  Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, T Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AK XXXX Employers : XXXX XXXX : XXXX XXXX XXXX Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2000.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$4700.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$480.00} XXXX XXXX XX/XX/XXXX {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$880.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX A ) XXXX XX/XX/XXXX {$460.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$930.00} XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$460.00} XXXX XXXXXXXX XXXX {$140.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$150.00} Late Payment XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  XXXX XX/XX/XXXX