23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX was unwilling to cancel my account with them and charged me for a third cable box when I returned two. I paid for two boxes for nearly five years, I do n't keep my past bills but their were two televisions in that place of residence. When I called XXXX to ask for a copy of my last bill they said since I 'm not a customer anymore they do n't have that information on file. It took me nearly two hours to cancel my account and the person I spoke to was irate about it. In the long run, I never had a third cable box and they 're billing me for not returning that box.
Product: Credit card or prepaid card

I had a Capital One credit card with a {$300.00} dollar credit limit. I recently went through a very hard financial struggle and lost my job. In result I was unable to make consistent payments to my bill. The credit company would not work with me on lower my interest fees or postpone payment due dates and continued to charge me. When before I went through financial troubles I was making all my payments 100 % ahead of the due date. My last payment was on XX/XX/2018. I lost my job XX/XX/2018 and the company continued to charge me high interest rate which resulted in the credit grantor closing my account and leaving a negative remark on my credit of {$420.00}.
Product: Credit card or prepaid card

Care Credit/Synchrony Bank card is a card that allows you to pay interest free for a specific amount of time depending on the amount of the transaction. 

These are called promotional balances. When you make a payment, Synchrony applies your payment in an algorithm to Promotional purchases and then to either expired promotional balances incurring interest or balances too small to fall under the interest free guideline. 

Synchrony does not provide on their statements how your payments are distributed to the aforementioned items. This was confirmed by a customer service representative while attempting to resolve this issue. 

The issue began on XX/XX/XXXX when we made our first call to Synchrony to request to pay off all interest bearing items and non-promotional purchase items. We were told this amount was {$2300.00} ( the total balance of our card at this time was {$3700.00} ). 

We paid the amount of {$2300.00} which we were told paid off ALL Interest bearing charges leaving only " promotional items '' that were not incurring interest. 

Upon receiving our following statement in XXXX, we noticed interest was still being charged on purchases when only non-interest items should have been on the statement. We called to question this and were told on XXXX that the original representative we spoke to on XX/XX/XXXX had " applied our payment incorrectly '' and that they could see that in the history. We were told that they would research and reallocate the funds properly. 

The following month we noticed 2 things : - The statement showed on XXXX a tremendous amount of charges, credits, or payments that made no sense. There was no detail or explanation as to what they were doing. 
- It still showed interest bearing items being billed which means that they had still not corrected the error. 

We have attempted to reconcile this monthly from XX/XX/XXXX to the current date of XX/XX/XXXX. 

We have never seen, despite requesting in almost every phone call, a detailed description or synopsis of how our original payment and any subsequent payments after that have been applied. 

As a result of not knowing what our true balance is due to incorrectly applied payments, we are questioning our balance for every billing cycle after XX/XX/XXXX. 

We request a detailed summary from Synchrony of all applications of payments, fees, charges, interest accrued, and any other attempts by Synchrony to make alterations to our account dating back to XX/XX/XXXX. 

We are prepared to pay almost our entire balance at this time, however, since we do not have any confidence that Synchrony is accurately reflecting our balance. 

We are sending a certified mail a formal dispute to Synchrony as well on XX/XX/XXXX
Product: Mortgage

Services is refusing to review loan workout package. Advised that they will only foreclose. Full document packaged received by serviced on XXXX/XXXX/XXXX. 
They confirmed it was in house. Advised no sale date. Advised that I need to vacate home and they would secure it. To let it go to foreclosure.
Product: Debt collection

I sign ed into a one year contract ( with my husband ) with a security system company knowing that I was moving in a year. I specifically told the sale sman that. After refusal to give me a copy of the contract and being told I would be emailed it I assumed all was alright.. After a year of having the service and letting the company know that I would be moving, thanking them for their service and that I would not be renewing my contract with them they told me that I had sig ned a 5 yr co ntract initially and that I needed to pay ove r 4,000 to  get out of the contract. They were rude and demanding. They told me to look at the contract and I told them I never received a contract. They then sent me the contract and I saw where the salesman had forged the contract and circled the 5 years part of the contract. I informed them that I never would 've ever signed anything that was over a year and that he forged it after he left the house which is why he did n't leave me a copy. She even said that the salesreps are known for that. The contract was signed on  XXXX / XXXX /  XXXX  . I was contacted  XXXX  that a collection company was trying to collect the  XXXX  and threatening me with a lawsuit and telling me that they would never stop trying to collect. I have tried to get the collection removed from the credit bureaus by disputing the item to no avail. It is keeping me from purchasing a home loan at this point.
Product: Credit reporting or other personal consumer reports

To whom it may concern the XXXX XXXX XXXX and the company XXXX XXXX XXXX is now entering pre-arbitration. This arbitration is requested in pursuant to 15 U.S.C 6802- Obligations with respect to disclosures of personal information. Per our conversation through mail and the CFPB I XXXX XXXX, the original creditor in Good Faith initiate pre-arbitration with your company ( Experian ) due to the negligence and aggravated Identity Theft found within my Consumer Report from your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account GLOBAL LENDING SERVI which has been deleted by XXXX  and XXXX. XXXX   and XXXX  have both completed their research and determined that GLOBAL LENDING SERVI was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX : XXXX, XXXX : XXXX, XXXX  XXXX : XXXX, XXXX XXXX : XXXX, Current : XXXX, XXXX XXXX  XXXX : XXXX, credit Coll : XXXX has violated my rights. 
I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Student loan

It has only been one month since interest accruement restarted. I owe a Current Principal of {$48000.00}. They say the Accrued Interest as of XX/XX/23 is {$460.00}. However, my interest rate is 6.800 % and one month of interest should be around {$270.00} not {$460.00}. Please look into this.
Product: Credit card

On XX/XX/XXXX, around XXXXXXXX XXXX, I was charged {$16000.00} on XXXX through my Bank of America account, but I did not make this purchase. At the time, I was at work and unable to initiate any transactions, especially from a vendor I have never used before. 

I received three notifications on my phone requesting verification, which prompted me to call Bank of America immediately to report the fraud. Despite following up twice, my claim was denied, even though I clearly stated that I did not authorize the purchase and did not use the verification codes sent to my phone. 

If you verify with the store, you will see that the shipping address associated with the order is not mine. I kindly request that you review my case again and refund me for this disputed charge.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Hard Inquiries Dispute FCRA Violation Dear XXXX, I am filing a formal complaint regarding the presence of unauthorized hard inquiries on my personal credit report with Equifax. Upon reviewing my report, I have identified multiple entities that have accessed my personal credit without my authorization or a permissible purpose, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( f ).

Details of the Unauthorized Hard Inquiries The following hard inquiries appear on my personal credit report without my explicit consent and without any active account associated with them : XXXX XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( Equifax ) XXXX  XX/XX/XXXX ( Equifax ) XXXX XX/XX/XXXX ( Equifax ) These hard inquiries were made without my authorization, and no credit account was opened following these inquiries to justify their presence on my report. According to the FCRA, a creditor may only access my personal credit report if : 1. I applied for credit under my Social Security Number ( SSN ).

2. I provided explicit authorization for the inquiry.

3. An account was opened and linked to the inquiry.

None of these conditions apply in this case. 

Specific Violations of the FCRA 1. 15 U.S.C. 1681b ( f ) Lack of Permissible Purpose XXXX, XXXX, and XXXX accessed my personal credit report without authorization and without a permissible purpose since I did not apply for credit under my SSN and have no accounts with these entities.

2. 15 U.S.C. 1681i Equifaxs Failure to Verify Equifax is required to verify the legality of these inquiries and provide documented proof that I authorized each one.

If Equifax can not present verifiable evidence, it must remove these hard inquiries immediately.

3. 15 U.S.C. 1681e ( b ) Inaccurate Information in My Report Equifax must ensure the accuracy of the data reported.

No active account exists with XXXX, XXXX, or XXXX  on my credit report, confirming that these inquiries are inaccurate and must be deleted.

Requested Action I request the immediate removal of these inquiries from my credit report and a written response confirming the correction. As this situation constitutes a serious violation of the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FLORIDA XXXX DATE OF BIRTH : XX/XX/XXXX SSN : XXXX
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These Accounts have been deleted from XXXX XXXX. Immediately delete and inform Equifax and XXXX  to delete also. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and any hard inquiry requests before XXXX. 

here is the XXXX XXXX  credit report dated XX/XX/XXXX and XXXX XXXX  file attached.
Product: Checking or savings account

I have been trying to close my bank account since XX/XX/XXXX and it was finally closed XX/XX/XXXX, the transcripts for the agents I spoke t speak for themselves, I was charged fees had fees removed then put back on, agents I spoke with including senior analyst lied and committed a fraud with information that changed depending on who I spoke with, I finally has to file multiple harassment claims against USAA and notified the VA about their shady practices.
Product: Mortgage

As of XX/XX/XXXX the State of Illinois has granted XXXX % exemption from property taxes to any veteran homeowner who is considered XXXX or more XXXX by the Dept of Veterans Affairs.Carrington Mortgage services has been provided with this information and my rating with the VA.I am rated XXXX % total and permanent.They are stating I must wait for the second installment tax bill before they act.The state has already stated in this letter that I will recieve a refund of the first installment payment.This letter also states that no future tax bills will be due as long as my rating is unchanged.ref ; XXXX % XXXX.It does not state the mortgage company must wait to make any changes or refund any monies being held for a payment that will never be due.
Product: Debt collection

I had a bill from XXXX Bank XXXX for {$410.00}. I paid this on XX/XX/2023 directly to XXXX Bank XXXX XXXX. I am getting text and phone calls from Frost-Arnett to collect the debt. I told them it was paid. I called XXXX Bank XXXX twice to confirm and they tell me they notified Frost-Arnett XXXX I have spoken with Frost-Arnett 3 times and they are demanding I show them proof I paid. I asked them to call the client and they say they can't. I ask them what they are going to do with a credit card statement I provide them and they tell me they will provide it to the client. I explain they do not need to as it is paid, just call. They just continue to harass with texts and phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMSTHAT I WANTED TO REMOVED! XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX : {$850.00} ; XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX ) XXXX : {$360.00} ; XXXX XXXX XXXX XXXX Date XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX XXXX XXXX {$210.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXXXXXXXXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The following accounts are still showing on my credit, I have filed an FTC report and so far the bureaus have not deleted this erroneous information, the accounts are as follows : 1 ) XXXX- XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX- XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX I am sending a copy of an FTC report which I already sent to the bureaus to no avail and a copy of my license and social.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this item, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. Please don't ignore my request to repair this inaccurate item in my file. I hope the disputed item will be corrected as soon as possible : XXXX XXXX XXXX Date OpenedXXXX Balance : {$21000.00}
Product: Debt collection

I started receiving calls about debit collection, i am never left a voice mail more then a few sec. 

the company calling would get a better response if they just left a voice mail with who to contact. 

this is harassment and should stop, in no way will the calls made at this time collect any debit as i do not even know who this is and they will not disclose any information and i have no income.
Product: Credit reporting, credit repair services, or other personal consumer reports

As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p. 

Please note that the format of the text differs in minor ways from the U.S. Code and Wests U.S. Code Annotated. For example, this version uses FDCPA section numbers in the headings. In addition, the relevant U.S. Code citation is included with each section heading. Although the staff has made every effort to transcribe the statutory material accurately, this compendium is intended as a convenience for the public and not a substitute for the text in the U.S. Code. 


how does this collection give me an opportunity to pay it no names whom it from just a collections FCRA violations 4 collection accounts Total balance : {$520.00} Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX XXXX XXXX, XXXX, GA, XXXX Original creditor : {$13.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$13.00} - Payment Info Original loan amount - Balance {$13.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX Original creditor : {$44.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Loan Amount {$44.00} - Payment Info Original loan amount - Balance {$44.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact, Is everything correct? 
Reminder : You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX. Dispute with XXXX Online or by Mail at XXXX. XXXX XXXX, XXXX, GA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX was my settlement date for {$2800.00}. Between XX/XX/2022 and XX/XX/XXXX I spoke with a representative of XXXX XXXX about extending the timeframe of my settlement date because I had not recieved my taxes. The representative stated that since there had been a lot of tax issues this year that it would be okay as long as I continued to make my monthly payments. I stated to the representative that I would up my monthly payments to {$200.00} a month instead of {$100.00}. The representative AGREED and stated that when my taxes deposit to give a call back ( these calls are recorded and I would like them listened to ). As you can see here in these documents I continued making my monthly payments until the month of XXXX. XX/XX/2022 I called to make my usual monthly payment and was told I my account was locked due to a new law that was put in placed. I was advised to call the week after to resume payment. I called multiple times until I got a XXXX XXXX who explained to me that XXXX XXXX had placed a hold on my payments because they were not satisfied with the settlement amount. She stated that none of this was my fault and that I would gain no extra interest charges and would still be able to continue the same monthly payments. She stated that she would contact me with further assistance once they had everything taken care of and that my balance was down to XXXX dollars. In XXXX, XXXX  I recieved a call from XXXX XXXX XXXX, saying that I was deliquent on my payment since XX/XX/2022 and that I owed XXXX dollars. I stopped them and explained to them what had happened and told them that I have a settlement contract and they said thats something they cant uphold. I contacted XXXX XXXX and they stated how they took my debt and gave it to another creditor because they didnt like the settlement amount. When I asked to speak with a manager and be mailed the breakdown of what my car was sold for I was constantly transferred and hung up on. XXXX also stated that I did not comply with the terms of the settlement. When infact I was given the okay by XXXX for a date extension. ( Which is stated in a recorded phone call ).
Product: Credit card or prepaid card

Synchrony Bank although all cards paid on time and long ... They CLOSED all my accounts that I had for years. 

They are now showing I owe more than my Available Credit. 

No notice, no email. They said I was a risk. I was NEVER EVER late. 

This is not fair to me. They could have at least called or something. I sparingly used the cards and only my furniture card had the highest balance. 

I have worked for 5 years to rebuild my credit after Chapter XXXX. They just ruined this for me.