23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is regarding my previous complaint : XXXX. This complaint was closed, without it being resolved. XXXX, who works at Synchrony, and replied to the previous complaint, gave her phone number in regards to seeking information about the charges at Synchrony Bank, will not answer the phone, and won't call back on the numerous voicemails I have left her. The fees in question originally with the original complaint that were on my account, are still there. They have now added to my interest-free payments, a XXXX  amount of over {$100.00} - I have not made any purchases, and I have not used the credit card at all, besides what was already on there for my interest-free payment. This company is still trying to scam me out of anything that they can, and can't explain any of the charges properly- and are now trying to scam me again. My balance went up, but there isn't an explanation in my account activity. XXXX erased the balance I was seeing to make it look like she resolved it but then went up on my overall balance to hope I wouldn't notice.
Product: Credit reporting or other personal consumer reports

writing to file a formal dispute regarding the inaccurate reporting of my account with XXXX ( Account XXXX : XXXX ) on my credit report. The account is currently showing incorrect information, and I believe the reporting does not comply with the Fair Credit Reporting Act ( FCRA ). Specifically, the following issues need to be addressed : Account Information : Company Name : XXXX Account Number : XXXX Contact Information : Phone : ( XXXX ) XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Disputed Issues : 1. Incorrect Payment History : My credit report inaccurately reflects my payment history with multiple entries marked as XXXX for payments from XX/XX/year> to XX/XX/year>, despite having made regular payments. 
XXXX. Incorrect Payment Amounts : The actual payment amounts listed are showing XXXX or incorrect values, which do not reflect the true payments made to the account. I have made payments in XX/XX/year>, XX/XX/year>, and other months, which should be accurately reflected. 
XXXX. XXXX XXXX XXXX : The balance listed for the account seems inaccurate, showing values that do not align with my actual account status. The credit limit of {$7300.00} is listed, but the balance should be corrected to reflect actual transactions. 
4. Association Termination : The report indicates XXXX XXXX, but no clarification is provided on what this refers to. This needs to be properly clarified and updated if there has been any change to my account status. 

Legal Basis for Dispute : This complaint is filed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 - 1681x, which mandates that consumer credit reports be accurate and complete. Specifically : 15 U.S.C. 1681e ( b ) : Requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy in the reporting of information.

15 U.S.C. 1681i : Mandates that consumers have the right to dispute inaccurate information, and the XXXX XXXX XXXX must investigate and correct or delete any information that is found to be incorrect. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Requires that companies providing information to credit reporting agencies ensure the accuracy of the information.
Product: Debt collection

On XX/XX/2018 I received a voicemail from XXXX XXXX saying he is calling from law firm of Weltman , Weinberg & Reis Co., LPA & that there is a pending lawsuit waiting. I called back to discuss what the lawsuit is about. He told me that my previous company sent my account to them to get the remaining balance on my pre-employment bonus. He told me to work out a payment otherwise theyll be going to court to get a judgement & garnish my wages & that payment would be bigger if approved by court. I discussed a payment plan with him. He said he would get back to me. He called me back on Monday XX/XX/2018 & left a voicemail about the payment plan. I was working that day & could not get back to him. I also received a letter in the mail from them dated XX/XX/2018 from attorney XXXX XXXX XXXX saying Ive 14 days from the date of the letter to respond. When I got to my apartment I did some research & found several complaints about this company & a lawsuit about falysfying information so I wanted to contact my previous company to make sure this is a legit company & theyre also dealing with them. I left a voicemail with my previous company on Tuesday & did not hear back from them. I called my previous company back again on Wednesday & was able to talk to person in charge of accounts & she told me that theyre dealing with this company & I should further talk with them to resolve the issue. Today on XX/XX/2018 XXXX XXXX called & I was unavailable & could not answer my phone. On the voicemail he was threatening to call my current employer. I called him back later on that day & told him why I hadnt called back & to stop threatening me.
Product: Student loan

I was attending school in 2019 when they stated that my student loan was in default but it shouldnt have been due to the fact that i was enrolled full time in school and still is. I have provided numerous of documentation to them proving this as well as they made me enroll in a rehabilitation program because they was trying to garnish my work wages when Im in school. To knowledge from what the Department of Education has told me and personally lawyer that it is against the law for them to offset my tax refund or garnish my wages because Im in school.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SEQUIUM ASSET SOLUTION has reported a debt on my credit report advising i owe {$400.00}. Ive asked this company plenty of times to validate this debt send me supporting documentation that this debt indeed belong to me. This company has failed to do so i would like for this company to STOP reporting this debt have it remove and send me paperwork that i owe this company.
Product: Credit card or prepaid card

The phone number on Net Spend XXXX does not work, the website will not allow me to talk or email anyone, only XXXX bucks but I cant use the card for travel as expected and now I cant contact a human or an email. This is ridiculous and wrong for a company to do to XXXX older Americans just trying to get by.
Product: Checking or savings account

I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.
Product: Credit card or prepaid card

applied for a credit card via XXXX and was declined. Letter showed up and reason for denial was to many cards opened in 2 years. They could also have checked and seen out of the 15 credit cards I have only 2 have a balance. Chase Bank has declined me on more than once and have no valid reasons
Product: Payday loan, title loan, or personal loan

in XXXX of XXXX I came into One Main financial to get a loan and was approved. The loan officers name was XXXX XXXX. I filed the appropriate paperwork and the loan XXXX asked me if I wanted the insurance that came with the loan and I told them NO. I did not need the insurance which included life insurance and medical insurance because I already had my own personal policies. The loan XXXX then showed me a different price that was lower than the initial monthly payments and told me that that was the pricing WITHOUT insurance. I said ok. Later down on the line I end up checking my account and see that the Loan XXXX still included insurance in my loan when I clearly asked her not to! And the company told me I had to come in person to take the insurance off and that the would not reimburse me for the months Ive been paying extra for insurance. Total ripoff. I do n't care how small the amount is, its the principle that matters.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquires on my credit report that i did not authorize. Please have them removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card, I settled for less than balance and paid in full on XX/XX/XXXX. The original balance was {$940.00}. They are still showing a balance. 

XXXX sold my account to a third party, XXXX XXXX which I did pay for less than balance in XX/XX/XXXX. Not updated or noted on my report. 

XXXX XXXX sold one of my loans to XXXX XXXX, which I settled for less than the balance in XX/XX/XXXX. XXXX XXXX will not note it. They did on my other loan.
Product: Credit card or prepaid card

My Citibank credit card on autopay. Lately noted that the My monthly use was {$77.00} only and card company was charging {$20.00} to {$26.00} as interest per month om balance of XXXX daollars after autopayment. It wrecked up approximately {$2000.00} which is more than 1000 % of capital.. When I called, they said they were taking minimal payment by autopay and minting money by interest ( 1000 % ), which is wrong. I want them to refund the interest and charge the expense in full every month.
Product: Debt collection

XXXX XXXX XXXXXXXX ( PRA ) distorted date information. Please see attached for proof of inaccurate Date of First Delinquency. PRA has furnished inaccurately reported date of first delinquency, which is the date on which a consumer first became late in paying back the loan. The date an account first becomes delinquent matters because it determines how long a delinquency can appear on a consumers credit report. Inaccurate reporting of the age of a consumers delinquency can cause it to appear on the consumers credit report longer than is allowed by the FCRA. 
What PRA has been doing is similar to " First Investors '' case, which was fined {$2.00} XXXX for Knowingly Providing Inaccurate Information to Credit Reporting Agencies for Years in 2014. 
As a result, I request CFPB to protect its consumers, take actions against PRA 's unethical and false practice. I also demand PRA to remove those false trade lines from XXXX,  XXXX and XXXX reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are on my report without my consent and are not 100 % accurate. These accounts need to be deleted. The companies are committing fraud using my personal information without my consent! I tried to dispute with the reporting companies on multiple occasions and have been ignored. Multiple violations have been committed. 

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. 

These accounts on my consumer report is effecting my life in devastating ways.
Product: Debt collection

XXXX XXXX XXXX took me to court i didnt know it till i was served .i won the case against this lawyer.the judge evan wrote a 10 page law review article on the case. XXXX XXXX is the person who filed the case against me in court.the llc was just opened around the time capital one was alleging i was in default.as i looked on XXXX XXXX an seen the llc 's that this attorney has opening an closing them, is crazy illegal to me.but he is the man im directed to when trying to resolve this issue. in my previous complaint about the reporting agencies. i will be filing a florida bar complaint as well as this i had a recent score of XXXX i was proud but since the end of court i havent recieved my XXXX dollars he owes me from court.and my credit is droping in some instances 50 points or more.because of his actions i have contacted him he represents capital one so he is in charge of the matter this man knows i won the case and so know between capital one and this attorney my credit is toast.because of these actions i fill victimized by this atorney.
Product: Credit card or prepaid card

On XX/XX/XXXX, I received a bill in the mail for my deceased mother, XXXX XXXX, from XXXX. My mother died on XX/XX/XXXX. The bill was for {$8.00}. It showed a {$4.00} payment was returned on XX/XX/XXXX.  Her checking account was not closed until XX/XX/XXXX and had ample money in it to cover the charge, specifically {$1700.00}. In addition, I tried to phone them on XX/XX/XXXX to advise them she was deceased and to close her account. I called around XXXX and spoke to a person named XXXX XXXX She claimed she was having phone problems and then the call dropped. I tried to call back, received the automated system, but when I asked the system to transfer me to customer service it left me on a dead hold. I hung up and decided to submit the death certificate to the CFPB and a complaint for an explanation of the returned check on XX/XX/XXXX. 

XXXX responded to the CFPB that they could not discuss the account with me and stated what documents I needed to submit for the account to be closed. Not only did I send the death certificate to the CFPB, but I also sent it through US mail. On XX/XX/XXXX, I received another statement from XXXX. This time the balance was {$17.00} because a {$8.00} late fee was accessed on XX/XX/XXXX. They had still not closed the account. I called and spoke to an employee named XXXX around XXXX on XX/XX/XXXX. She refused to discuss the account with me, refused to close the account, and stated they would only close it if provided with a death certificate. Clearly, they have one as  provided through the US mail and through the CFPB. As you can see, the company responded on the XX/XX/XXXX to the complaint with the CFPB, obviously had access to the death certificate, but still had not closed the account and went further to bill the account with a late fee on XX/XX/XXXX. 

So again, I am now filing a complaint with your office. XXXX/XXXX   statement along with the complaint submitted to the CFPB and her death certificate. I have also filed a complaint with my state attorney general.
Product: Credit card or prepaid card

On XX/XX/2021, I contacted the FS Genesis ( DBA Indigo Card ) credit card company regarding my account with them. The card I held had previous unauthorized purchases on it and although I had contacted the company regarding the fraudulent amounts several times earlier in the year, FS Genesis/Indigo continued to allow the charges to accrue, while charging me interest on the amounts, and did not offer an explanation as to why this was all occurring. 

Bizarrely, Indigo sent replacement cards to me but allowed those unauthorized debits and purchases to not only continue but they allowed the charges to transfer over to the new cards as well. 

Frustrated, I chose to not make further payments on the card until those issues were addressed. In seeking to find a resolution, on XX/XX/XXXX, I spoke with a representative at Indigo and subsequently a supervisor who offered to waive {$110.00} in late fees if I agreed to pay {$210.00} on the account that same day. 

I made the payment and today, XX/XX/XXXX, I realized my bank account was deducted for the {$210.00} total but the late fees were not removed. I then called Indigo and was told by a representative that I had supposedly requested my late fees not be waived. Considering how absurd that is, I asked for a supervisor who then offered to waive 2 late fees -- one less than the agreed-upon 3 late fees. I declined and advised that individual that I would prefer the agreed upon fees be waived or my money refunded. That person then agreed to waive all three of the late fees. 

Hours later, I attempted to log into the account but my credentials would not work. So I called Indigo and was advised that my account had been closed which means, Indigo opted to keep my money and close my account instead of refunding fees which they agreed to reverse and that to me smells like fraud and deception and I relayed as much to them over the phone. 

I would like this company to be sanctioned for their conduct by this agency and I'd like to add that this sort of activity seems to be a clear standard business practice for this disreputable company, which has accrued tons of negative reviews online along with accusations of other inappropriate and potentially unlawful business practices. 

I'd like to point out that I have not made a purchase with this card in over a year and the only remaining balance are late fees on payments concerning a balance that is fraudulent in nature. 

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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX
Product: Debt collection

Fox collection has continued to harass me and threatened to damage my credit after advising me the matter was completely taken cared of per the supervisor which I have a voicemail from her advising me of this. But once again in their true fashion they continue to harass me every other month. I don't owe this debt and at this point I'll be taking legal action against this company. They put things on my credit to then remove them. The supervisor told this issue was done and resolved but now 2/3 months later it's the same XXXX!!
Product: Credit reporting or other personal consumer reports

This is a follow up from the previous complaint and I will be adding the images of the previous complaint and and supporting documentation. At this point I really just want the physical address for the XXXX department so I can start my law suit with the Supreme Court in XXXX XXXX NJ. Experian is treating me unfairly and have not acted on my concern or even contacted me. They have listed on the previous complaint that they would be working on the complaint simply to look good and brush this off as resolved. 

Because I am XXXX and XXXX female XXXX points were removed from my excellent credit score and I lost my home in the process. I will file a law suit and I will have my case public because I am sure many minority XXXX females are facing the same discrimination where points are taking out and nothing is done about it.
Product: Credit card or prepaid card

We went to the PNC branch to open a joint credit card in XX/XX/XXXX. We specifically asked for a joint card numerous times. When we got our cards in the mail, we realized the woman opened us two separate credit cards, instead of a joint.

When we called PNC and spoke to her, we had a hard time reaching anyone, then she reported that she did not know you could open joint credit cards and that she had indeed opened two separate accounts.

This was escalated to the branch manager, then was escalated to corporate in XX/XX/XXXX. We still have not received any resolution about this problem. We have two separate cards which we did not ask for, and they have not helped to close the accounts or open the joint one we asked for. Corporate is barely responsive to our numerous outreach attempts, and still says they are trying to resolve the issue. It has been 6 months, and we have not heard anything about how they will resolve this or what they will do to help us.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of the outcomes of disputes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

I have spent 39 hours on the phone on 21 different occasions with this company. They are reflecting 2 missed payments but can not tell me where they are. The only way I found out about this was when I pulled my credit report two years ago. Yes, I have been arguing this out with them for two years. They are telling me that they can not find any missed payments and sent me a printout of my account history that can only be deciphered by an accountant, which I am not. I sent them a " Qualified written request '' on XXXX XXXX, 2017. I received a letter back stating that they could not sent me the information requested because it was too broad. I am in tears at this point and need it to be taken care of.
Product: Money transfer, virtual currency, or money service

Scammer contacted me by email about a job opportunity as a personal assistant/payroll clerk. I accepted and for the first assignment, he wanted me to deposit a check that he sent me through mail that contained {$3800.00}. I deposited in my bank account and he wanted me to withdraw it in the form of a cashier 's check to transfer it to a XXXX XXXX account that he gave me. He said he was going to pay me for doing the job but instead, the next day the check that I deposited came back as fake and I had to pay {$3800.00} for it.