23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I purchased a concert tickets for an event in Washington XXXX DC. Paid it using my PayPal credit account/Synchrony Bank XXXX The event, tickets sold through XXXX, was cancelled because of Covid on XX/XX/2021. XXXX promised to refund the money and after many unsuccessful attempts to get in touch with them, I escalated this problem with Synchrony bank, who keeps trying to make me pay the amount being disputed. Synchrony bank claims that they received information and proof that XXXX will not refund me the money. However, the documents and the amount in dispute, that Synchrony Bank sent to me, is a wrong amount and copied and pasted policies that do not apply to my case. Synchrony Bank is not doing a throughout investigation about my case and is forcing me to pay an amount that I can not afford and I should not pay it because merchant cancelled this event willingly and the merchant gave me the option to choose between receiving a refund or get a store credit. I chose to get a refund. Synchrony Bank is failing in providing help and support to my claim simply because it is convenient to them that I should pay this loan at 21 % interest rate. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing the files, it comes to the attention that there is an Error information appear regarding about a XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX with balance of {$850.00} incurred, I have no acknowledgment or given consent permission to anyone in the institution to use my personal information to obtain or open the account, I have reach out to the institution regarding about this matter and made sure the account open without my permission to be closed, remove and delete. Please authenticate and provide any documentation that bears its original owners signature to validate the account within 5 business days, and taken step necessary to remove and delete any account opened under owners personals information without permission. According to Fair Credit reporting act, section 609 ( a ) ( 1 ) your company is required by federal law to verify through the physical verification of the debt balance of the original signed certified consumer contract of any all accounts you request to be posted and or reported on credit report. Within consumer rights to demand a copy of the verifiable, validated proof of an original consumer contract with wet-ink signature on it, copies of copies are not validation and by law are not considered as proof. Under FCRA, unverified, invalid accounts must be Remove upon receipts of this notice within 15 business days.
Product: Vehicle loan or lease

between  XXXX   XXXX     2017  and  XXXX   XXXX   2017   Westlake Financial took  out 2 paym ents from my bank instead of the agreed u pon one    payment o f  XXXX  in doing so it overdrafted my account by  XXXX  they quickly reversed  one p ayment of  XXXX  as of  XXXX   XXXX     2017  my account 's principal balance was  XXXX  AFTER the  XXXX  was processed and the returned  XXXX  was removed from the account balance.prior to the  XXXX  being returned the principal balance was  XXXX  It is my understanding my principal balance does not go up unless there is a late fee. I have never been late on payments. They even tell me I have a 10 day grace period for if I were late.     Now this month PRIOR to making another  XXXX  payment my principal balance is  XXXX  and everyone I spoke to a t Westlake Financial ha s stated it increased because of the refunded  XXXX  but that is not true. the balance is seve ral hundred d ollars higher than it should be. why did my principal balanc e go up  XXXX .It  should have remained at the  XXXX  as only  one payment was refunded. they say there was an NFS fee from my bank but this is only true because of their error in processing 2 payments.      It should be noted that my loan payment is  XXXX  a month but I always pay  XXXX  I want the balance to  b e upg raded to reflect the proper amount as I feel I have not been given credit for the first month payment I made to this. It is also worth noting I p aid 14 o r 15 months on this loan to  XXXX   XXXX  PRIOR to  Westlake p urchasing this loan. While at  XXXX  I was never late and have perfect reporting marks from  XXXX  on my credit report.     Please entic e Westlake to correct my  loan balance. Thank you.
Product: Debt collection

On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX  which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME ADDRESSES DO NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX typeApartment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX BRANCH XXXX TX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX DO NOT BELONG TO ME XXXX NAME VARIATIONS DO NOT XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EVEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all 3 credit bureaus ( XXXX, TransUnion and XXXX  ) on XXXX XXXX 2020. As of today I have not received any response from XXXX, TransUnion or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. All 3 credit bureaus have all failed to respond in a timely manner to my requests.
Product: Checking or savings account

Was at a hockey game concession stand tried to use my debit card declined tried again declined checked my balance on my phone. There was {$.00} there should have been over {$1000.00} in the account. I called immediately when I saw that there was {$1000.00} withdrawal from my account that I had not authorized. I filed a claim on XX/XX/XXXX. They closed this claim because they said it originally originated from my wifes checking account. The account was closed in XXXX by Wells Fargo and told that my claim was denied the day after this happened. I was told to deposit {$300.00} in my checking account When I had gone to the Wells Fargo branch in XXXXXXXX XXXX XXXX  on XXXX XXXX I put {$300.00} cash in this account and that was taken by the bank. It was subsequently closed and now Im being told its {$140.00} overdrafted and theyre threatening to send to collections and ruin my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Equifax, and XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX XXXX XXXX in the amount of XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the amount of XXXX Credit XXXX XXXX in the amount of XXXX XXXX XXXX XXXX in the amount of XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. XXXX XXXXXXXX XXXX  XXXX. {$17000.00}
Product: Credit card

I've always made sure to pay on time for this account, never letting payments become overdue. I'm unsure why there are reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to my previous complaint to CFPB ( complaint # XXXX ). XXXX XXXX says they reported my account as delinquent past 30 days, which is inaccurate. I closed my account with XXXX XXXX, and I had it paid off when I closed it. Then, XXXX XXXX says that they reported my account accurately to the credit reporting bureaus as delinquent, when, in fact they made adjustments and just recently sent me a refund credit in the mail via check in the amount of {$43.00}. Now, I expect XXXX XXXX to fix their reports to the credit bureaus from delinquent to paid on time and card closed. XXXX XXXX would not have issued me a credit refund check of {$43.00}, if the account was not paid off. I have not made any additional payments to XXXX XXXX, which indicates that they card was paid off at the time of closing. It further appears that I actually had overpaid my balance at the time of closing, or XXXX XXXX would not have issued this {$43.00} refund check. Please have XXXX XXXX fix their reporting to the credit bureaus as non-delinquent, and then this matter will be resolved once and for all. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error.
Product: Credit reporting or other personal consumer reports

Ive requested debt validation and the account came back verified, but no documentation was provided as to how the information was accurate or even belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. And have previously sent this report to them!
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with Transunion Credit Bureau Systems XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores   XXXX XXXX  ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )
Product: Checking or savings account

My Citibank account has been closed for over a week and the bank is still playing games refunding my money. Liars liars they are and will soon land in very very hot water over this. They are very evasive and don't answer questions or the answers are scripted for every customer they have stolen money from and wont return it. 

Attempting to steal money from the Federal Government ( Treasury ) is a federal crime and will look very good in a lawsuit. Citibank keep up with all your shenanigans with people 's money and you will dearly regret this.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX at XXXXXXXX XXXX - I received a phone call from ( XXXX ) XXXX stating that someone will show up to my residence, or my place of work, to provide me a lawsuit on behalf of Citi Bank. And to have my ID and SSN ready when they do. 

XXXX at XXXX - I placed a call, outgoing, to XXXX ( XXXX ) XXXX, and spoke with one of XXXX XXXX XXXX three employees. I explained I had no prior knowledge of them trying to contact me, and this is the first call ever received from them. They stated that they have been sending information to my parents, who live in NY ( XXXX in Texas ), whom would definitely let me know that I had unfinished financial issues. They also proceeded to state that Citi Bank DOES NOT place accounts into collections, until all options have been exhausted. I was scared but did say I could pay but not right now. I need time and more information. This isnt the first time someone attempted to scam me claiming its for Citi Bank. 

XXXX at XXXX - I contacted the original company I was in debt with, Citi Bank XXXX and they filed a 1099-C, back in XXXX, I believe. My debt was reported as income to the IRS. And charged-off. They have no knowledge of any third-party collection agency. 

XXXX at XXXX - XXXX contact XXXX XXXX XXXX explaining everything I just found out. They tried to explain they picked up the debt from a different third party agency, but refused to provide a name. I called back two more times, after speaking to a very rude representative, and got sent straight to hold. 

XXXX at XXXX - I placed two more calls with XXXX XXXX XXXX XXXX after speaking extensively with Citi Banks collections/Recovery Department, and politely asked for the original documentations ; original account number, the card number and what type of card, and the third party agency they received the information from. The lady, XXXX, stated [ they ] DO NOT hand out that information at all. She then refused my request for her to email me the information instead. 

That is my right to know, especially if it pertains to me, lawsuits, and my SSN floating around so freely. 

The second call, I was transferred over to the same very aggressive male representative who wouldnt let me speak, and stated they already started the dispute. I couldnt even ask them to cease and desist, before he hung-up on me. 

Im currently in business with XXXX XXXX, and they see nothing on my credit reports showing anything negative from Citi Bank, or able to verify XXXX XXXX XXXX statement of this account being in collections.
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 Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed account ( XXXX Resorts, now under XXXX XXXX XXXX  ), as Experian 's inaction violates federal law and my rights as a consumer. 

I had made this dispute with Experian in XXXX 2023, and had to ask my law firm to send a letter to Experian as well explaining the situation with the involved timeshare. As you can see, the " late payments '' are still be reported.
Product: Student loan

My loans are currently being transferred from XXXX XXXX to MOHELA. While there is currently no record of my loans at XXXX XXXX, they have not yet appeared at MOHELA. This is a major problem for me because MOHELA continues to automatically reject my attempts to upload PSLF forms since I do not have a balance with them. I need to be able to submit those forms ASAP in order to get them in before the XX/XX/XXXX deadline for the PSLF Waiver.
Product: Credit reporting or other personal consumer reports

The credit bureaus XXXX, XXXX, and Experian continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I turned in a leased vehicle to GM Financial as the lease was up. A final bill for the disposition fee was not sent to us for a few months, which we received in XX/XX/2020. I called GM to see if we were able to make payments on it instead of paying in full as that is what we have done with those fees previously. The agent said absolutely, no problem. It is now showing as a late payment on my credit report. I was NEVER told that it would be reported on my credit report as a late payment if I didn't pay in full, so why would the agent falsify that it was ok to make payments on it? In addition, GM has sent no correspondence to us that it would be reported on our credit if not payed in full either. I payed in full the remaining balance today as I can not afford another late payment on my credit from GM financial for the disposition fee. I have leased vehicles with them for 10 years now but if this is how situations are handled, I will likely not be a repeat customer.