23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Continental Finance reported that my payment was 30 days late during an investigation into payments not going through. I shut off autopay and paid it direct and still the payment did not go though for the XXXX XXXX I do the same process to pay the XXXX XXXX and don't have any issues with the payments being made. Their claim is the money isn't there, when in fact it is and still is from the most recent payment attempt. Both the XXXX XXXX and the XXXX XXXX were paid on XX/XX/XXXX. Both showed paid on the XXXX of XXXX. XX/XX/XXXX the XXXX XXXX showed it was late, then it showed there was yet another returned payment. This is the 5th time it has happened. This is a bad business practice that other credit card companies have gotten in trouble for. There claim is that it takes 3 days to clear the payment, which is not true. In some cases it can, but typically those are only on new payment methods. When the same payment method is used it is within 24 hrs. They also increased the amount owed for a single payment on the app from {$50.00} to {$170.00}. It seems rather no matter how I try to make a payment, they won't accept it. Then they report that it's late 30 days to the credit reporting agencies while it's being investigated and make things worse yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to get 100 % accurate reporting on my credit report from synchrony bank. My credit report is still inaccurate. 

There are a series of mistakes, inaccuracies and data errors on your reporting of my credit report that I have attached. 


I need all of these questions answered. 

SYNCB/AMAZON PLCC and SYNCB/PPC Account # XXXX Account # XXXX - What name is this affiliated with? 
- What address is this affiliated with? 
- What XXXX is this affiliated with? 
- How have you certified for this to be accurate under the FCRA? 
- Please provide proper validation of the debt you say that I owe - Please provide a copy of judgement regarding the debt and evidence that supports the debt ( in writing ) - provide a Copy of the original contract - Please provide a complete accounting statement with interest and fees
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX MY FATHER BOUGHT THE FAMILY HOME IN XXXX. MY FATHER DIED IN XXXX, MY MOM TOOK THIS OUT IN XXXX. MY PROBLEM IS THAT THE COMPANY GAVE ME A REDEMPTION QUOTE OF {$210000.00}. I WAS WORKING WITH THE XXXX XXXX XXXX XXXX XXXX XXXX  AND THEY HELPED ME THROUGH THE PROBATE ISSUE. MY MOM PASSED IN XX/XX/XXXX. 
WE WANT TO KEEP THE FAMILY HOUSE, HOWEVER I REACHED OUT TO THE FORCLOUSURE ATTORNEY FOR THE COMPANY REGARDING MY PROBLEM.

THE BANK APPRAISED THE HOUSE FOR {$120000.00}. WITH THAT DONE NO BANK WILL LOAN ME WHAT THE COMPANY IS ASKING FOR. I ASKED THE ATTORNEY ASSIGNED TO THE CASE XXXX XXXX XXXX XXXX XXXX XXXX IF I COULD PAY THE APPRAISED AMOUNT. THE LAWYER SAID THAT WAS MY ONLY OPTIONS. I WAS SUPPORE TO HAVE THE MONEY BY XX/XX/XXXX. I REACHED OUT TO HUD AND SOMEONE IS SUPPOSE TO CALL ME BACK TODAY OR SEND ME A EMAIL..DO I HAVE ANY OTHER OPTIONS. JUST TRYING TO KEEP OUR FAMILY HOME. MY NAME IS XXXX XXXX, MY EMAIL IS XXXX MY CELL NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 XXXXXX/XX/XXXX
Product: Credit card

I proactively reached out to chase to convert my sapphire card to a freedom card in order to accumulate rewards on purchases. Im planning on Remodleing my kitchen and I know I will be making large purchases. I told this to chase and also requested for them to increase my credit limit. They only increased it by roughly {$2000.00}, which wasnt enough for my kitchen cabinet order. When I bought my cabinets, I asked XXXX to split the transaction. Chase denied the charge, claiming either fraud or identify theft. I called chase and couldnt get a lot of information but was assured I could go back to XXXX and use the card. I then returned to XXXX and my card was again declined. Later in the day, I discovered that chase closed both my long standing credit card accounts with good history for no reason. When I called Chase, they wouldnt provide me with an answer.
Product: Debt collection

I have asked Procollect to Validate a debt they allege that I owe as it is my right to do so under 15 usc 1692g. Procollect has refused to provide the supporting documentation needed for me to properly review the alleged debt. I also have requested they provide me with my wet ink signature on a document that gave them permission to report this information to my consumer report and they have refused to do so at each request which is a direct violation of my privacy as a consumer under 15 USC 1681. They did not exercise their gave responsibility, they have been unfair, and were partial in the matter under 15 USC 1681 A4.
Product: Credit card

I paid off my credit card balance online and selected the option to paid the balance in full on the XXXX of XXXX. Chase accepted the payment and processed on the XXXX of XXXX. On the XXXX of XXXX they charged interest in the amount of {$370.00}. 
How can they charge interest on a {$.00} balance? 
Charging interest and saying if was from a month prior is not right, fair, or being honest. That amount should have been included in the full balance when I selected the option on their website to payoff the full balance. 
They can explain all day long about how their system code works, but that doesn't mean that their system code is correct. 
As I see it, they should be charging interest on the day of the billing cycle ( which they claimed was from XX/XX/XXXX ). So, the interest should have already been included in the pay in full amount. Also, if they are going to provide an option to 'pay in full ', that option should include all interest and principle as of that day. 
Something is not right... I understand what they are saying about what their system code is doing, but again, charging interest on a {$.00} balance or balance prior to the payoff is wrong. They told me the billing cycle was based on the XXXX of the month, so the next interest wouldn't have been calculated on the XXXX. 
I called and talked to XXXX different supervisors and both told me that there is nothing they will do and that there is no one else to talk to about it.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) regarding the investigation and resolution of disputed information on my credit report. My repeated attempts to resolve these inaccuracies have been met with resistance and inadequate responses from Experian, resulting in ongoing harm to my credit and financial well-being.I have disputed the following accounts through Experians website and by sending dispute letters generated through publicly available credit repair software : 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts contain errors that adversely affect the accuracy of my credit report. In response, I have provided multiple verification letters and supporting documentation to substantiate my claims. Instead of properly investigating my disputes, Experian has : Sent generic stall letters without addressing the specific issues I raised. 
Failed to correct or remove inaccurate and unverifiable information. 
Potentially reinserted erroneous information without notifying me, as required by law. Experians actions are in direct violation of the following provisions of the FCRA : 15 U.S.C. 1681e ( b ) : Failing to ensure the maximum possible accuracy of consumer credit reports.

15 U.S.C. 1681s-2 : Neglecting to appropriately investigate disputes related to information provided by furnishers.

15 U.S.C. 1681i ( 5 ) : Failing to conduct reasonable reinvestigations or delete unverifiable information.

15 U.S.C. 1681c ( c ) : Non-compliance with legal requirements for handling disputed and reinserted information.

I recently became aware of the CFPBs lawsuit against Experian, which highlights systemic issues within their dispute-handling processes ( CFPB Press Release : CFPB Sues Experian for Sham Investigations of Credit Report Errors ). This lawsuit alleges that Experian routinely fails to conduct proper investigations, reinserts errors, and undermines consumers access to credit, employment, and housing. My experience mirrors these allegations, reinforcing the urgency of addressing this matter.

Experians failure to fulfill its legal obligations has caused me significant harm, including : A reduced credit score, limiting my ability to access affordable credit. 
Emotional distress and frustration due to repeated inadequate responses. 
Barriers to securing necessary credit, housing, and other opportunities. 

I am providing copies of all dispute letters, and verification of my identity. Thank you for your time and attention to this matter. I trust the CFPB will take the necessary steps to ensure Experian complies with its legal obligations and protects consumers like myself from further harm. 

Sincerely, XXXX XXXX
Product: Debt collection

I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.
Product: Credit card or prepaid card

XXXX ACCOUNT CHARGE CARD WAS PAID IN FULL AND THE ACCOUNT IS CLOSED THEY ARE SHOWING A 250.00 BALANCE WHICH IS NOT CORRECT THIS ACCOUNT WAS PAID IN FULL
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Capital One Bank USA N it is reporting as delinquent when I have never missed a payment and all my payments have been on time. Under all XXXX bureaus account # XXXX it is reporting that in 2021 XXXX, XXXX, XXXX, and XXXX respectively I have had 30 day, 60 day, 90 day, and 120 day late payments when this is not true and is 100 % inaccurate. I have been current and up to date on my credit card as it is only a {$500.00} limit and due to this discrepancy it is severely affecting my credit where I am trying to go for an apartment and I can not get approved for anything due to these disastrous days late that are severely affecting my credit. I need this fixed ASAP!
Product: Bank account or service

CAPITAL ONE BANK USA ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CAPITAL ONE BANK USA or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CAPITAL ONE BANK USA or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a payment was past which it was not please see payment history attached and please correct this inaccurate remark Account showing XXXX XXXX
Product: Credit card

We hired a moving company for an interstate move. We authorized a payment as required for delivery though the amount was in dispute. We agreed with the moving company on the amount quoted from their account department to me via email. We signed an authorization for this amount. We subsequently received an automated invoice for additional charges which were never explained to us to justify the second invoice. We contacted the moving company, their parent company and our credit card well in advance of the charge date to discuss. We sent numerous emails to the moving company and verbally communicated we revoked any authorization for a new charge. The moving company was never able to articulate justification for the invoice and the credit card company kept saying do n't worry about it until a charge occurs. Our credit card company said that since we provided authorization they are unable to dispute the fees in our favor and that this does not constitute fraud and to go hire an attorney. We went through several rounds with the credit card company including their agents/employees telling us : 1 ) this is a type of fraud and should be covered, 2 ) this is a disputed transaction and should be found in your favor, 3 ) this is an unethical business practice by the moving company and we will be contacted by corporate ( we were never contacted other than form letters ). So we are left with a moving company freely charging our credit card without authorization and the credit card company is not protecting us.
Product: Credit card

Allys credit card tried to accuse me of being 30 days late for a payment. They sent an invoice out to me stating a due date was XX/XX/year> I made a payment late ( on XX/XX/year> ) but they claimed that it was 30 days late. They claimed to me that the date in which they mailed the invoice ( XX/XX/year> ) was the effective due date. 

A due date is the date when a payment is due, not when an invoice is generated. They are misrepresenting the concept of due dates to exploit customers and cause financial distress due to reasons unknown. Their practices of considering an invoice generation date as the due date is an act of deceptive financial practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in contact with XXXX Office of Consumer Affairs, spoke to a supervisor name XXXX XXXX. I have submitted a police report and an identity theft report regarding the account for XXXX, and WF XXXX, which is still reporting. I have filed a lawsuit, and nothing has happened with this account. It was settled, and still no removal of an account I did not authorize. My desired outcome is for these items to be removed in my favor. 
I have sent documents already.
Product: Bank account or service

I had called to change an address of a nonprofit organization I am operating. They then changed the address of all of my other linked accounts that can be viewed online including my personal home address. This information was also submitted to all credit bureaus and I was getting notices from them that there is a change of address. I was told they can not resolve the issue on the phone. When I informed the bank about the mistake and requested to get this straightened out, it took them nearly 3 months to fix this simple issue and only after numerous emails requesting this.
Product: Checking or savings account

My debit account ending in XXXX with BMO Harris Bank was defrauded by a merchant names XXXX  on XX/XX/XXXX with ( XXXX ) charges for {$130.00} each resulting in {$260.00} being taken from my account without my authorization on XX/XX/XXXX. I CALLED BMO Harris to report the fraud the same day as I routinely check my account daily. It was still pending. Thinking they can stop, reverse or cancel the transaction. BMO Harris said they couldn't do anything until it posts to my account. And during that conversation BMO rep told me they attempted several charges but only ( 2 ) went through I DIDN'T find that answer acceptable to me so I looked up Remitly and called them to explain I didn't authorize those transactions. Remitly rep said they couldn't find any charges with my name and or my debit card number and to let it post and work with my bank to resolve the fraud as remitly will work with BMO. the next day the charges posted I opened a fraud case of with BMO XXXX I was told a provisional credit will be provided as they investigate and attemp to recover and resolve the fraud. I NEVER received any credit back. I kept calling BMO Harris back day after day week after week in attempt to recover MY MONEY that BMO Harris gave away to thieves! I kept getting the run around with BMO Harris, it will be posted in 24hr then next Monday. Then I finally was told it was denied and to wait for a letter explaining why. They do this as a stalling tactic which is really dishonest. Instead of helping the client who entrusted their money within their institution, they disrespect them with these semantics. The letter said denied because a credit has already been issued. Which I NEVER received any credit and the charges where NEVER reversed! Now the only way to communicate with the group who makes these decisions are via email which they NEVER respond too! I am now getting defrauded by my own BANK! This can not be right! BMO Harris owes me {$260.00} and more now because of the aggravation they have put me through.I need answers and looking to sue BMO Harris they shouldn't get away with this theft of clients funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information
, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

There are multiple financial institutions that are reporting that I have charged off accounts on my XXXX which were in fact opened fraudulently and unauthorized by me.
Product: Credit card or prepaid card

RE : XXXX  DISPUTE, THROUGH CAPITAL ONE CASE NO : XXXX I made a dispute against the charge from XXXX. The disputed amount is {$300.00} and the transaction date is XX/XX/2023. 
I was informed today that the merchant is claiming that he provided me with services, and that I signed to agree to his terms and conditions. I did not sign anything agreeing to any services. I was not provided with terms and conditions. I paid for a hoodie, and have yet to receive it. Further, I believe that I provided adequate proof that I paid for merchandise and not services. The username from the merchants XXXX account matches the email address that he contacted me from, and we were clearly discussing the purchase of a XXXX brand hoodie for {$300.00}, and not " services ''. 
If the merchant is saying that I paid for services and signed documentation, then that is fraud as I did no such thing. Capital One ruled in the merchants favor, and I now have to pay back the {$300.00}
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> I was denied a checking account by XXXX XXXX after being notified that the denial was based on a chexsystem report. I then on the same day reviewed a report that was created by ChexSysytems without my knowledge, authorization or consent. Only to find erroneous, frivolous, unauthorized, inaccurate, and unverifiable information being shared about me. Once I saw the defamatory information I filed a dispute directly through ChexSystem Confirmation ID : XXXX. I informed them of the inaccurate, incomplete and unverifiable information and demanded an investigation. Over thirty days later I received an automated response claiming that the information was verified as accurate. After realizing that my investigation was unreasonable and my disputes were being ignored I then demanded the method of verification on XX/XX/year> Confirmation # : XXXX. It has now been over a month and I have not received a proper response only auto mated responses and this company has completely failed to address my issues or concerns. They have failed to correct the false information and have caused me to be without a personal bank account for over 90 days causing me severe hardships.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXXXXXX XXXX  Account # XXXX has violated my rights. 
2. XXXX XXXX XXXX Account # XXXX has violated my rights. 
3. XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
4. XXXX XXXX XXXX Account # XXXX has violated my rights. 
5. XXXX XXXX XXXX Account # XXXX has violated my rights. 
6. XXXX XXXX XXXX Account # XXXX has violated my rights.

15 U.S.C 1681 Section 602 A States I have a 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 instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.