23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I obtained a Care Credit credit card for eye surgeries over XXXX years ago. Original amount was XXXX, with an initial XXXX interest for a specified amount of time, which I cant recall. 
When the XXXX interest rate ended, Synchrony Bank, who is the issuer of the Care Credit XXXX and many other smaller businesses, added on all of the accrued interest to the principal, essentially capitalizing the interest. 
My fault for not reading cardholder agreement before applying for the card. 
I have been paying on this Care Credit card faithfully, and each month a substantial portion of my payment goes toward interest that is XXXX XXXX 
Last XXXX I applied for a XXXX card and was granted a {XXXX  credit line and the ability to do balance transfers up to XXXX 
I called Synchrony Bank to get their location details where to send a balance transfer of XXXX  to pay off almost the entire remaining Care Credit balance. I was told by their XXXX customer service robot AND by a human being customer service person that Synchrony Bank does not accept balance transfers as payments on any of their credit cards. I asked WHY and got no answer from the robot or the human. 
How is Synchrony Bank allowed to refuse balance transfers, as a form of payment along with the other payment methods they do accept? I think they are not following the MasterCard/Visa regulations and certainly not the Consumer Finance Bureau 's direction. 
I have asked other people about this anomaly and they must have attempted to do balance transfers over the years and were refused, just like I was.
Product: Debt collection

I have in the last 2 years dispute this account and collection on my credit report. This account does not belong to me and I have called, fax them my true identity and this company refuses to delete it from my credit report. I get harrassing phone calls on a daily basis and I even get threats from them. I can't take this no more of the calls, threats and harassment when this account is done fraudulent and its the results of identity theft. Please help. 

{$19000.00} XX/XX/2017 2017
Product: Credit card

U.S. Bank is currently refusing me access to their online portal, as well as numerous refunds. Many of the refunds are for " disputes '' they initiated without my knowledge or permission, that they reversed. In reality, they were collecting refunds from retailers, renaming them to provisional credits, and then allowing the retailers to charge my card again. The retailers were only convinced to re-issue the refunds after intervention by the State AG. I am also missing the statement dated XX/XX/year> that they refuse to provide. They also have refused to provide me a list of the manual transactions they processed with raising any red flags or submitting a XXXX.
Product: Credit reporting or other personal consumer reports

I have requested from Equifax, XXXX and XXXX signed documentation of the original debtor and date as well as documentation of validation on three seperate occasions and it was never provided as well as my personal information is incorrect
Product: Debt collection

I received a notice in regards to a debt that was sold/transferred from  XXXX   XXXX  to  CCI C ontract Callers Inc, I called within the required time to advise that I am disputing this debt and was told by a  XXXX   XXXX  that they have up to 30 days to send me information regarding this debt as it will affect my credit. I advised the that I do not need anything negative on my credit as I am purchasing a home and again dispute this debt. I spoke with the representative on  XXXX / XXXX /  XXXX   @  XXXX   XXXX . I received a credit alert this morning advising that my score is now adversely affected and the company that has placed a collections account and dropping my   XXXX   score  XXXX  points  XXXX . Either this company sold this account not wanting to deal with a dispute or  XXXX  is their parent company. They need to remove this negative item from my credit report and legally follow the processes in place for disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX XXXX XXXXXXXX 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 an account without my written instruction.
Product: Debt collection

To whom it may concern, I XXXX XXXX are writing to you in reference to an account with XXXX XXXX XXXX  whose collection agency is Portfolio Recovery Associates LLC is reporting a collection amount of {$4400.00}. This collection agency has updated this account in which it keeps the account current with no closed date. This agency is performing unfair practices, in which is reflecting a negative impact on my credit report. This debt also exceeds the statutory limit for the state of South Carolina, which is stated in section 15-3-530 of title 15/Civil Remedies and Procedures. This is also deemed unfair in conjunction with the Fair Credit Reporting Act ; 15 U.S.C.-1681 et seq that states : U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. I am asking that this matter be resolved and that this account be removed from XXXX, XXXX, and XXXX respectfully. Thank you in advance for your attention to this matter.
Product: Debt collection

ii have asked XXXX XXXX on several occasions to provide proof that i owe the debt i asked them to provide a signed contract from the original debtor and it is now 9 months later and still don't have any info or an answer, when i called and asked them they told me to just pay the bill hen in fact i don't owe the bill we walked away from XXXX  free and clear we returned the phones as instructed by XXXX  paid our final bill and we thought it was over. when i ask for proof they gave me the run around.
Product: Debt collection

This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX or on behalf of XXXX. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Student loan

Aidvantage has my loans that I need to make payments on however they keep reversing the payments back to my account. This is causing me more interest that should not be added because I am paying on time. I bank with XXXX  XXXX. Aidvantage is stating it's the bank reversing it but bank says they don't see any attempts to take the funds. This has been happening for last few months now
Product: Credit card or prepaid card

I attempted to pay my Amazon store card multiple times. It stated it posted and then retracted that payment so I sent the payment through again including the fee once again it said it posted and now Synchrony without informing me prior to making the payment or after the payment was submitted that they were holding the payment for 2 weeks because I made two payments in one month. No were does it state this in terms and conditions nor was I ever informed. I would have delayed the payment if I knew it would be held. When I finally called because a charge didn't go through I was informed it was held. I asked for payment to be reversed was informed only way is to get a check. Also that only way to confirm emails sent was through fax. They heavily attempted to delay the resolution to avoid fixing. And allow them to hold without reason or informing the customer. 

additonally I have been on hold with the company for over 30 minutes with no resolution.
Product: Credit card or prepaid card

Two weeks ago Citibank stole over 1 million of my and my wifes XXXX XXXX, which were earned over a 40 year relationship with the bank, by closing our credit cards without notice. Citi asserts that once a card is closed the points are forfeited. But we did not close the cards! We were completely blindsided and were not offered an opportunity to access our points prior to their shocking action in terminating our cards without notice. Despite having absolutely clean credit records compiled over 40 years of banking with Citi, we were neither given a reason nor the ability to challenge whatever faulty logic they used to cancel our cards and usurp all the points we had earned over a lifetime of business with Citibank. It is appalling, and wrong, for Citibank to confiscate assets without a ) providing a specific reason, b ) allowing for a prior discussion to prevent wrongful closures, whose impact negatively affects consumers and c ) most importantly, does not allow consumers to access and dispose of their hard-earned points prior to a secretive analysis by a bank to close accounts. We can demonstrate that the value of the over 1 million points Citibank stole easily exceeds {$50000.00}. The combined annual fees on the cards Citibank closed approaches {$2000.00} ; Citibank has not offered to refund those either. Further, Citibanks precipitous action has harmed our near perfect 45 year credit history, which will cause irreparable harm to our finances. Without appropriate and immediate relief, we will pursue every avenue to recover substantial damages from this wanton act by Citibank in closing our credit cards and seizing our valuable Thank You point assets.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I XXXX XXXX sent via certified mail to Experian, XXXX and XXXX letters asking them to please delete all old and previous items from my personal history for fear of identity theft and to remove all old employment and education history. The letters were DELIVERED, sign and picked up XX/XX/2022, by each consumer reporting agency. 

XXXX immediately deleted all old inaccurate personal information and updated the report with the current information as I requested. XXXX soon followed. Experian on the other hand, has still as of XX/XX/2022, not deleted the old inaccurate personal information and updated it with the current information provided to them. You also lied and claimed that you never received any previous correspondence in regards my request. This USPS Tracking XXXX XXXX XXXX XXXX, clearly shows that you did receive the letter and signed for it. 

It is unfortunate that you must be so unnecessarily difficult in resolving consumer concerns. I am asking that you delete all old personal history and update it with the accurate and current information previously sent to you. Just the way I receive credit card offers and other mail for the previous tenants, is the same way I can have credit offers and other mail going to addresses where I no longer reside. Any scheming, scammer can steal my identity and use it as their own creating issues for me. Please delete the inaccurate information and send a report with the accurate updated information.
Product: Credit reporting or other personal consumer reports

There are 2 accounts on my credit report from XXXX XXXX. I DO NOT recognize these accounts and have requested these debts be properly verified multiple times. These accounts continue to come back verified with no documentation or proof. Instead the account statuses were changed from Collections to Charged off. I requested the 1099 forms when these accounts were said to be charged off. Never received the form & never received any deletions. Account statuses were then changed to Paid Collection & SOLD to another company.
Product: Debt collection

On XX/XX/2021 I sent Receivables Performance Management LLC in regards that, I am invoking my specialized remedies as a consumer under federal law 15 USC 1692 of the Fair Debt Collections Practice Act. As a federally protected consumer My privacy has been willfully violated ( 15 USC 1692 ( a ). Receivables Performance Management LLC is attempting to collect a debt that has not been verified or authenticated by me. Further i have not given Receivables Performance Management LLC the access to have my personal information, nor contact me, 15 USC 1692c ( a ) Below are the violations i've due to the injuries they've caused me. 
Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 5 ) Fact, Affiant  is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692b ( 2 ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692c ( A ) Fact, Affiant is aware and has proof in the attachment labeled as Exhibit A that Receivables Performance Management LLC is in violation of 15 USC 1692d ( 2 )
Product: Credit card

On XXXX XXXX and XXXX, 2015 ( as well several phone calls and chat sessions with Discover Card customer service ), I made inquiries to why a payment of {$61.00} that was posted to my Discover Card account on XXXX XXXX, 2015, did not have the funds withdrawn from my financial institution, XXXX XXXX XXXX XXXX XXXX in XXXX, NC, until XXXX XXXX, 2015. Nobody at either Discover Card or XXXX XXXX ' XXXX XXXX could give me a direct answer. Instead, I got the " pass the buck '' routine. Neither financial institution should be allowed to treat customers this way. I have documentation available as proof of these events taking place.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX {$150.00} : XXXX XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$580.00} : XXXX XXXX, XXXX Charged off XXXX XXXX BALANCE REPORTED  {$580.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX  XXXX BALANCE REPORTED  {$190.00} : XXXX XXXX, XXXX Charged Off XXXX XXXX XXXX XXXX BALANCE REPORTED {$520.00} : XX/XX/XXXX XXXX XXXX - XXXX XXXX REPORTED {$1900.00} : XX/XX/XXXX Charged Off XXXX XXXX REPORTED BALANCE {$260.00} : XX/XX/XXXX Charged Off XXXX XXXX  REPORTED BALANCE {$1000.00} : XX/XX/XXXX Charged off XXXX XXXX XXXX XXXX XXXX BALANCE REPORTED {$110.00} : XX/XX/XXXX Charged off XXXX XXXXXXXX XXXX  XXXX XXXX XXXX {$2100.00} : XX/XX/XXXX Charged Off XXXX REPORTED BALANCE {$240.00} : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX  Inquiry : XX/XX/XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX
Product: Debt collection

To whom this may concern, This letter is to notify youabout a problem I am having with the company US AUTO Sales and Westlake management. I purchased a vehicle from US Auto Sales at the XXXX location and it was a few years I was with them. When they went bankrupt it cleared the debt and now Westlake management is trying to collect. I asked them to provide in writing who the original creditor is and request documentation that verifies I owe the debt, such as a copy of the original contract. And being based in California Im not even sure if its legal to collect debt in this state. This was many months ago when I spoke with someone who said they cant provide the documentation and put a cease and desist on the account. Which is still on it today. I know this because after filling a complaint to the XXXX  on XX/XX/2023 they repossessed my car in the middle of the night. I call them today XX/XX/2023 and they stated yes they have it even though they know they havent verified any information, and theyre the ones that told me about the account being under a cease and desist. This is providing a financial burden now. Im missing work and have children to provide for. I need a rational and reasonable solution to resolve this matter quickly.
Product: Debt collection

SPS states they will refund money accumulated in my escrow accounts. I will actually pay them this debt I do not owe when they refund over {$600000.00} that seems to have gone into my escrow account as it was not applied anywhere else. I suggest they get it from the XXXX XXXX XXXX XXXX or one of the three companies that appear to have been paid off twice or from XXXX XXXX who colllected AND foreclosed on my other property after it was paid in full to -apparently- another company. 
I dont know what is going on but I want it fixed. I want a refund of the money I have over paid and I want my house on which they have no ligitamate claim. I want my duplex back from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ccs Collec..Reported on my credit report XXXX  2 collection from XXXX XXXX and XXXX XXXX.Both this accounts did not belong to me i ask for a prove and they do not haved. I do not have any policy under my name and i do not have a car under my name.All the information that they have are incorrect.The are over 140000 complaints against this company they try to brake down peoples credit and XXXX just for money.They have no real prove to provide against me they told me that they get those info from a third party agency and they are not responsible to provide a prove
Product: Vehicle loan or lease

I AM REACHING OUT DUE TO PAYING US Auto sales in XXXX NC for Gap Insurance and they never paid it. Once they closed I got a letter in the mail to call Westlake or make a payment to them because my contact was sold to them I have been asking For 2 months for my contract if it was sold to them and I would pay When I sent a email about it they sent we a list of Contacts to Westlake. I don't know what else I need to send into this Because I am so lost over this whole thing. Thanks
Product: Credit card or prepaid card

On XX/XX/2022 there was a Hard Credit Check from Nordstom/TD Bank USA so I called Nordstom to alert them this was fraud and that I did not request this card. They said as of XX/XX/2022 there were no charges on the account, however they would cancel the account and refer this to their fraud department. 

I put a Credit Freeze on my Credit Report through XXXX, XXXX, XXXX and a freeze through XXXX on XX/XX/2022. I also submitted a Police Report through our local county.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX reported 5 times on my credit report. I don't know why that was authorized. I have called the fraud department at XXXX in XX/XX/ and XX/XX/ to have it removed. They were difficult and did not resolve the issue. I have called the XXXX number and spoke to someone that could not resolve the issue. It has been extremely frustrating between being constantly transferred on the phone through many representatives, but no one can fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$80.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$110.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- XXXX XXXX XXXX 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.