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

I had ( cancelled it due to so many payment problems ) an Amazon credit card through Synchrony Bank. My billing cycle runs for example : XX/XX/XXXX through XX/XX/XXXX. After the XXXX is past the XXXX cycle payment time period. Any payment I send AFTER THE XXXX of any given month should automatically be applied to the next month NOT locked onto the prior month of XXXX as a late payment. Synchrony is now demanding of me a SECOND MONTHLY PAYMENT FOR XXXX SINCE my payment WAS SENT EARLY ON THE LAST DAY OF XX/XX/XXXX for the month of XXXX! They are threatening me with late fees and other penalties if I do not send in another payment! I do not have any more money to send to them for XXXX. I am XXXX! I am living on XXXX! I tried to get the early payment moved and applied to XXXX since that is exactly what it was sent in for was XXXX payment NOT XXXX! This banking conduct is CONSUMER FRAUD and destroys consumers credit because the bank illegally penalizes the consumer for making early payments! Forcing more than one monthly payment is extortion! If Synchrony buries me under illegal penalities and fees I will NOT be able to pay them OFF! ALL BECAUSE I SENT MY PAYMENT IN EARLY!!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit card or prepaid card

I opened a home depot consumer credit card in XX/XX/2019, with a promotional offer of {$100.00} cash back within 30 days of opening an account, if I spend {$1000.00} in the first thirty days. I promptly made an online purchase totaling {$1000.00} exactly 7 days later. The order came in two shipments. After two months, I called and inquired about the promotion. The agent informed me that it was already applied, but the receipt and the purchase price didnt reflect the cash back. They escalated the issue. I never heard anything. I called back a month later, the agent informed me there was no record of my inquiry the previous month. The new reason for not honoring the promotion was that because the order was sent in two shipments it was considered two separate orders and the promotion does not apply. I confirmed that both shipments have the same order number and both items were on the same receipt, so the agent again escalated the issue. I heard nothing for another month, so I called back. Again, there was no record of my two previous inquiries. I asked to speak to a manager. I was placed on hold for 11 minutes. The manager told me there was nothing she could do to honor the promotion, too much time had passed. I closed my account.
Product: Credit reporting or other personal consumer reports

I am writing to express my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX & XXXX XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : U S DEPT OF EDXXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Date : XX/XX/2024 TRANSWORLD SYSTEMS, XXXX Address Line : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : List Account Number XXXX I am sending this letter after review of my credit report. I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. The original creditors name and address XXXX. The Original Account number associated with the debt. 
XXXX. State what the money you say I owe is for XXXX. How did you come to determine that amount? 
XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe. 
XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number. 
XXXX. Provide me with proof that the statute of limitations has not expired. 
XXXX. A valid, legible copy of the agreement stating the debt and interest charges. 
XXXX. The name and contact information of any sources contacted to verify the accuracy of the disputed item. 
XXXX. Proof that I am legally responsible for this debt. 
XXXX. Documentation outlining the chain of ownership of this debt, including any assignments or transfers. 

If your company fails to comply or respond to this letter within the allotted time of XXXX  days from the date you receive this letter, this account must be deleted and removed immediately from my credit report. Also, all future attempts to collect this debt must stop until I receive proper validation of this debt. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX consumer and natural person am aware of all rights that I have in which are protected by the Congress under the Fair credit reporting act FCRA. The account below has violated my federally protected consumer rights. 

15 usc 1681 A. states I have the right to privacy.

15 usc 1681 section 604 A. Section 2 also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

On XX/XX/year> at XXXX I went into PNC bank to withdraw money at one of their virtual atms. I got connected to a virtual bank teller and I requested to withdraw {$25000.00}. I left the bank and went to deposit the funds into my other bank account and the teller only counted {$19000.00}. I contacted PNC immediately and told them the situation and they opened a dispute for me. After a week they sent me a letter saying that they found no error in the atm when they check and that they denied my claim. I went back to PNC at the same location and had the manager call the virtual banker on the atm and they both confirmed that the max denomination per transaction was XXXX bills for withdraw. In my case the atm only dispensed 3 times. Totaling {$18000.00}. But somehow I got {$19000.00}. I ask the investigator who is doing my claim to look at the footage and see how many times the atm dispense, because if it was 3 times and the max bills coming out is XXXX that means they are short of the amount Im missing. All this was dispense in {$100.00} dollar bills. I shouldve gotten XXXX bills but instead I only got XXXX. The only response Ive gotten was they saying they found no error when they check the atm but the atm clearly made a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently challenged the validity of XXXX  # XXXX {$400.00XXXX XXXX XXXX # XXXX {$16000.00} XXXX XXXX XXXX # XXXX {$570.00} and XXXX XXXX {$370.00} XXXX # XXXX {$0.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX  # XXXX {$950.00} XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX # XXXX {$1800.00} accounts XXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX XXXX # JXXXX {$160.00} that's being reported on my most recent credit report. Upon challenging this, XXXX  credit bureau deleted the accounts based on lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with XXXX credit bureau the agency verified the same accounts. We agree XXXX is in violation of FCRA and my consumer rights. Each Violation is {$1000.00} per violation We also agree with the cogent observation by the fifth Circuit that the plain language of the statute places the burden of re-investigation on the consumer reporting agency. See Stevenson, 987 F.2d at 293. The FCRA evinces Congress 's intent that consumer reporting agencies, having the opportunity to reap profits through the collection and dissemination of credit information, bear " gave responsibilities, '' 15 U.S.C 1681 ( a ) ( 4 ), to ensure the accuracy of that information. The " grave responsibility '' imposed by 1681i ( a ) must consist of something more than merely parroting information received from other sources. Therefore, a " re-investigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations completed by the statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Currently trying to avoid a foreclosure. My mortgage counselor from XXXX XXXX  HUD and I have tried numerous times to obtain an application to refinance the mortgage. As well as trying to find out information on the partial claim availability. Over the past year I have tried on my own to obtain information. the lender Citizens Bank stated they were sending out a package via certified mail. I have never received this package after multiple attempts. We spent a few hours getting passed around from agent to agent on the phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of INQUIRIES XXXX XXXX XXXX XXXXXX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I have opened my account since the XXXX 's and I never have any issues with this Capital One account. A few weeks ago I paid all of my bills but all payments that I've sent were returned back to me because the account that was closed unexpectedly and without any warning, with {$48000.00} in it. I have been calling the bank but they kept on bouncing me all over the place. I even went to the branch, they gave me a number to call which I can never reach anyone. 

Checking acct # XXXX XXXX acct # XXXX No one is able to give me an explanation of what's going on. This situation damaged my credit scores which were in the XXXX 's ; coupled with that I have been unable to pay rent. 

I am not sure of the whereabouts of my money as Capital one is not giving me any information. Please help me as this situation have caused a lot atrocities for me. 
I can be reached at : XXXX. 

Thank you
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau Complaint Consumer Information : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX Email : XXXX Phone : XXXX Complaint Against : XXXX XXXX XXXX XXXX XXXX. 
Address : [ Experians Address ] Equifax Information Services LLC Address : [ Equifaxs Address ] XXXX XXXX Address : [ XXXX Address ] Nature of Complaint : Inaccurate Reporting Across All Major Credit Bureaus XXXX, Equifax, and XXXX have failed to update and accurately report information on my credit file. 
Despite submitting detailed evidence, including a " Paid in Full '' confirmation letter from XXXX XXXX XXXX dated XX/XX/year>, the credit bureaus continue to report inaccurate information about the account, showing it as unpaid or charged off. 
This ongoing inaccuracy is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. 
Failure to Conduct Proper Investigations When I filed disputes with each bureau, I provided : A police report. 
An FTC identity theft affidavit. 
The " Paid in Full '' letter from XXXX XXXX XXXX. 
All three bureaus failed to properly investigate or resolve the disputes, leaving my credit file in an inaccurate and damaging state. 
Harm Caused by Their Negligence The failure to correct my credit report has caused : Denial of credit opportunities. 
Emotional distress and financial hardship. 
Negative impacts on my creditworthiness. 
Details of Harm : I have suffered significant harm due to the inaccurate reporting, including : Credit Denial : Inability to secure credit or higher interest rates due to inaccurate information. 
Emotional Distress : The stress and frustration of repeated attempts to resolve this issue. 
Financial Impact : Lost financial opportunities and additional costs due to reduced credit access. 
Requested Resolution : Immediate Correction of Reporting : Require XXXX, Equifax, and XXXX to update my credit file to reflect the accurate status of the XXXX XXXX XXXX account as " Paid in Full '' and closed. 
Remove any other inaccurate or fraudulent accounts resulting from identity theft. 
Compensation for Harm : I seek financial compensation for the damage caused by the credit bureaus negligence, including lost opportunities, emotional distress, and financial harm. 
Preventive Measures : Mandate all three credit bureaus to implement stronger dispute resolution processes to ensure compliance with FCRA. 
Require credit bureaus to provide free credit monitoring and identity theft protection for two years. 
Investigate the Practices of the Credit Bureaus : Investigate why all three bureaus failed to properly investigate my disputes despite receiving substantial evidence. 
Require them to submit reports on their compliance with dispute resolution procedures under FCRA. 
Attachments : " Paid in Full '' letter from XXXX XXXX XXXX ( dated XX/XX/year> ) Police report and FTC identity theft affidavit XXXX, Equifax, and XXXX credit reports showing inaccuracies Date : XX/XX/year> XXXX XXXX
Product: Checking or savings account

On XX/XX/year> my phone was stolen, the thieves tried to access my bank accounts with my passwords from my phone. I went in personally to the Bank of America branch on XXXX XXXX in XXXX TX so I can confirm all instructions were given by the correct person ( me ) by showing ID personally. I met with a banker there by the name of XXXX XXXX to go through and make sure there were no charges and that my account be freezes unless I personally come in with a request. We noticed that there were some withdraws that were in progress that were not authorized by me, he assured me that they were not complete and were able to be stopped before completed, I then instructed him to change all my information including passwords, address, and phone number. Two days later I come to find out that they did not follow my instructions and allowed all the charges to finish, new charges to be completed, and a new account to be opened, all without my consent or notification. The matter was completely mishandled due to incompetence and massive oversight. I tried to discuss the matter and was ignored and denied. The unprofessionalism was not believable to me in such a regulated business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your letter dated XXXX XXXX wherein you confirm my outstanding balance as requested. 

It is apparent that you have overlooked or ignored my request to confirm that you would accept full payment of the alleged obligation from me in consideration of your delivery to me of the original instrument of indebtedness in its original form. 

Accordingly, unless I receive your written confirmation that you will accept payment from me in consideration of your delivery to me of the original instrument of indebtedness in its original form on or before XX/XX/2023, I will conclude that you are either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unrecognized inquiries
Product: Debt collection

Radius Global Solutions has been harassing me for a while now. I have asked these XXXX XXXX to stop calling my phone. They have violated my rights as a consumer. At this point I have the right to file a lawsuit and I will be filing a lawsuit against Radius Global Soultions. I dont owe them any money never did business with them at all. This company is a junk debt buying business that needs to be stopped on their tracks. I never one have anyone permission to share my private information with Radius Global Solutions. If anything appears on my credit report will only add to my lawsuit. I do not owe any debts. Please stop harassing me
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 XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

Mercedes Benz Financial continues to make harassing phone calls to myself and my wife at home, mobile phones and now at our places of employment. They continue to tell us that we owe a " lease termination fee '' when this payment has been made already. MBF has enlisted a debt collection agency who now is also making calls to us. Again, the fee has been paid in full. 

What is MOST alarming and angering, is that MBF has now called us on our direct telephone lines at our places of employment. This personal contact information was NOT given to MBF at any time and their data trolling to retrieve this contact information is concerning.
Product: Debt collection

Theyre reporting a charged off credit card debt and have been calling any number they find that could be related to me. Most recently theyve called my work where I dont take those calls. 

The company that keeps calling is Portfolio Recovery Associates
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax compromised my information, and the information of millions of Americans and then failed to disclose their security breach, but did n't failt to disclose it to their share holders.
Product: Credit reporting or other personal consumer reports

Unauthorized Inquiry Removal Request I am writing to formally request the removal of unauthorized inquiries from my credit report. As a consumer, I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ) and have identified inquiries listed below that I did not authorize
Product: Checking or savings account

I have a Health Savings Account ( HSA ) for my family with XXXX. The contribution limit for year 2018 is {$6900.00}. My employer contributes {$1500.00} per year to this account in $ XXXX   monthly payments, allowing me to contribute a maximum of {$5400.00} per year. I inadvertently forgot to stop my payroll deductions for my account once I hit the {$5400.00} limit, so I requested that {$810.00} in excess contributions for the year 2018 be withdrawn from my account in a form I mailed to XXXX  in the week of XX/XX/2018. At the time I had submitted that letter, the combined contributions between my employer and myself was {$6800.00}, which is under the {$6900.00} contribution limit. 

On XX/XX/2018, XXXX issued an excess distribution of {$1300.00} instead of the {$810.00} I had requested. I contacted XXXX  through their web chat twice to notify them that I believe there was an error : since my account had never exceeded the contribution limit for 2018, there should not have been any earnings removed from my account ; furthermore, even if there had been an excess contribution, there is no way that {$810.00} would have earned {$520.00} in the two weeks it was in an account that pays 0.05 % interest per year. I was told that I would be sent a worksheet explaining the calculations. I have attached a worksheet I downloaded directly from XXXX that includes all transactions for the account and corroborates my account. 

I called XXXX again on XX/XX/2018 and spoke to a customer service representative named XXXX. I reiterated my concerns and told her that I had yet to get the worksheet with the calculations for their distribution. She told me that they would email the worksheet. That has also not happened. 

Thank you for your attention.
Product: Credit reporting or other personal consumer reports

There is a child support legal item on my credit profile for XXXX. Child support payments do not arrive from a credit transaction and should not be reported on credit reports. Also I have asked the courts did they report a child support notice on my credit report and they stated they did not. So the credit bureaus are reporting third party information on my credit profile. 

They also reported without any notice which is all against the law. I would like the item removed from my credit profile.