23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Synchrony Bank sold my charged off acct to XXXX XXXX XXXX. XXXX XXXX ruined my repaired credit using using illegal attempts to collect the wrong amount. I filed a complaint with your ( CFPB ) company and XXXX will only reply with the same XXXX inaccurate statements that they received from Synchrony. There is a court order against GEMoney and GEMoney was to apply credits to qualified CareCredit acct holders accounts. Synchrony spun off from GE and acquired many accounts of which Synchrony was to apply the deductions. Synchrony DID NOT apply deductions to my charged off account and when I called again on XXXX/XXXX/XXXX @ XXXX, I was advised by the below identified Synchrony Bank Associate that I would not be able to get any eligibility information concerning the CFPB Order against GE Money CareCredit unless I called XXXX XXXX XXXX. How? Synchrony has the account information. XXXX only has XXXX statements with the incorrect amount on them. Not providing information regarding deductions in relation to the court order on a qualified account is a violation of the court order ; less more selling the account under an incorrect amount. I am attaching my credit report of XXXX XXXX, XXXX which reads correct charge off amount of {$1700.00} not {$1900.00} as requested by XXXX XXXX XXXX. This report also shows proof of payments totaling {$650.00} that had not been deducted from the {$1700.00} which would leave a balance of {$1100.00}. I had this account since XXXX of XXXX. What about the interest from those years? I have suffered great damage under XXXX attack on m credit. My score has fallen XXXX points on XXXX and XXXX on XXXX. Please help.
Product: Debt collection

The Law Office of Jennifer McCoy contacted me via a mailed letter on XX/XX/XXXX attempting to collect a debt I was unaware of. The debt was utilities at my previous apartment completed who'd told me previously that I did not owe them. I contacted the apartment complex and paid the debt. I then informed the law office of Jennifer McCoy that I'd paid the debt directly to the apartment complex. The law office of Jennifer McCoy told me they updated their records to show that I no longer owed. On XX/XX/XXXX they reported a collection to my credit report despite the fact that I was never sent to collections nor owed anything.
Product: Money transfer, virtual currency, or money service

I have been enrolled in XXXX with my phone number through Ally Bank since XX/XX/year>. I used it in the past to send money, and it successfully went through. 

On XX/XX/year>, someone sent me money on XXXX. Immediately after they sent it, I got a text confirmation with the person 's name and the amount they sent. However, the text said " to accept your money, visit enroll.zellepay.com '' even though I am already enrolled. 

I went into the Ally Bank mobile app to the XXXX page, and had to confirm my phone number that was enrolled. After I did this, I was sent to a confirmation page within the Ally app, that my phone number is set and that the amount would be deposited into my account. I am attaching a screenshot of this confirmation page. 

It is now XX/XX/year>, and the money has still not been deposited. The transaction is not showing up in pending either. I have contacted Ally Bank multiple times regarding this and they inform me they can not see any evidence of a transaction so there is nothing they can do. 

I have contacted the sender, who informed me that the money left their account the same day they sent it, XX/XX/XXXX. Also, this was the same day I received the text confirmation to the phone number that is enrolled with XXXX, so I know the sender did in fact send it, and the money has left their account. However, despite getting the confirmation within the Ally app, the money still has not been deposited into my account. 

I have also showed Ally customer service the screenshot of the confirmation page, and they still can not do anything about this.
Product: Credit card

I got a new credit card with Comenity for purchases at XX/XX/XXXX I purchases {$45.00} in XX/XX/XXXX. My bill was due on XX/XX/XXXX. I sent a check for the full amount on XXXX. Comenity did not post the payment until XX/XX/XXXX and charged me a {$27.00} late fee. I called their customer service people to find out why they charged the fee when the payment was sent in plenty of time to arrive before the due date. They said they do not check the postmark date on payments. If they do not get the payment posted by the due date, they levy the late fee. 

When I asked how the late fee is calculated, I was never given a straight answer. The fact that the late fee was just shy of XXXX % of the entire statement balance did n't seem to matter. I know I paid the bill on time. I do n't want to pay the late fee. I have cancelled my account with them but I feel I 'm being blackmailed into paying the {$27.00} to keep them from reporting me to the credit agencies. 

Is there anything I can do? 

Thanks!
Product: Checking or savings account

I would like a full investigation on my saving account on the correct amount of interest shouldve gained and be reimbursed a 10 % interest fee added- Capital One Savings I have 3 savings with them
Product: Credit card

Between XXXX and XXXX of this year, I identified an unauthorized charge of {$1200.00} on my Macy 's account. Despite reporting the issue to Macy 's customer service, the subsequent investigation concluded that there was insufficient evidence to support my claim, holding me responsible for the charge linked to the used name " XXXX XXXX. '' I have changed my name since XXXX  and I have never used the Macy 's card or visited a cigarette store nor smoked. All the transaction from that period of time I do not recognize. I would appreciate your assistance in relaying this summary to Macy 's for their attention and resolution of this dispute.
Product: Debt collection

On XX/XX/, I attended a Small Claims lawsuit hearing brought against me by Portfolio Recovery Associates LLC, represented by XXXX XXXX XXXX. In the Small Claims document it states that I owe {$810.00} and this is a different amount from what PRA said I owe previously. In addition, I am concerned because the telephone number on the Small Claims document is not mine. It is an Iowa number and I have never lived in Iowa. I asked that PRA verify this and provide proof that this was my phone number. I asked that he have PRA present ALL documents related to the debt PRA says I owe that is, proof that PRA indeed owns the debt and showing that the debt is mine and that I formally deny that the debt is mine. PRA can not demand payment for a debt they can't prove they own. He said XXXX XXXX would me validation of debt package ( XXXX  ). In addition, I am XXXX XXXX XXXX, XXXX  and my only income my Social Security monthly benefit. Since XXXX I have only received 2 hardship documents asking me to sign them and send back. Why 2 of the same forms dated 1 week apart? their record keeping is suspect in my opinion. I believe PRA does own all the documents pertaining to this debt they claim that I owe. My XXXX  credit report does not show a last date of payment which would invoke Massachusetts XXXX of 6 years. I have all cancelled checks and originals bills in my possession. Something is awry here!
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously, I made an investigation about these accounts with incorrect information and after checking your responses, I recognized that the same accounts are still incorrect, with a confirmed status. Please correct the following accounts listed below : XXXX XXXX XXXX XXXX Balance : {$110000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

dispute_item_and_explanation } LVNV FUNDING LLC XXXX XXXX XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Yes XXXX XXXX on XXXX XXXX XXXX in XXXX tx keeps harrasing me and my references after I told them the only contact I want from them is by mail at XXXX XXXX XXXX XXXX XXXX tx XXXX. As I am currently seeking employment to pay them back. I do not have any income to pay on this loan now.
Product: Debt collection

Hello and thank you again for having a look into this matter for me. Since XXXX I have done everything within reason and legally to the best of my ability to get this company to do the right thing. I have mailed off letters asking them to prove the debt and help me understand how it is mine as they claim. 

They have failed to do this within 4 months and I am now seeking help from CFPB. 

CONTRACT CALLERS INC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Claiming I owe them {$130.00}
Product: Credit reporting or other personal consumer reports

removal of an unmailable address from my credit report. Also removal of all employment that's being incorrectly reported.
Product: Debt collection

My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence.
Product: Debt collection

The company has falsely accused me of having a debt with a third party. The company has also made the accusations to one or more credit bureau ( s ) and manage to get an unsupported claim on my credit report. I am stated the amount requested is not owed based on these facts : 1 ). I did not break the lease because I gave notice in the required 30 days 2 ). The debt mediator did not validate the debt. The letter clearly states they are a debt collector, and therefore are obligated under the Fair Debt Collection Practices Act ( FDCPA ) to provide the information in the DV letter. At the very least they should have provided a copy of the lease/basis on which the apartment complex has for their collection. 
3 ). The company failed to provide substantial proof of debt ( e.g. agreement and notices )
Product: Credit reporting or other personal consumer reports

There are UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED/INQUIRES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine, they are the product of identity theft, I was living in XXXX when this identity theft occurred, I have contacted the creditors and the credit bureaus to no avail, I am running out of options and the situation is not getting resolved, the accounts in question are : XXXX XXXX XXXX XXXX {$5800.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX {$32000.00} opened XX/XX/XXXXXXXX XXXX XXXX XXXX  opened XX/XX/XXXX These accounts were opened and used without my knowledge or consent, I was not even living in the U.S when this happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
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

Noticed incorrect information on my credit report from XXXX XXXX XXXX. Tried disputing with all 3 credit agencies but information still hasnt been removed. I spoke with XXXX XXXX XXXX regarding all 5 accounts and provided documentation from my insurance company showing accounts paid in full prior to going into collections. Creditor verified payments received and information will be deleted from my credit reports. Accounts will be removed and reappear after some time, I also spoke with the original provider who stated they have no information on file for me with me having an outstanding balance. Whenever I try to upload my documents when disputing the information isnt being reviewed properly. I want the accounts removed from Equifax, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE AND DELETE ALL LATE PAYMENTS FROM MY PROFILE. THEY ARE IN VIOLATION OF THE FCRA : DEPT OF EDUCATION/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section XXXX of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

THIS IS AN AMMENDED COMPLAINT FOR COMPLAINT ID : XXXX PREVIOUSLY SUBMITTED ON XX/XX/XXXX On or about XX/XX/XXXX I purchased a luggage at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX with the amount of {$64.00}. When I got home I found out one of the zippers was defected ( not working ). I immediately returned the luggage to XXXX, but XXXX refused to return and refund. On or about XX/XX/XXXX, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$64.00}. On or about XX/XX/XXXX, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem. On XX/XX/XXXX, Capital One falsely claimed to CFPB that they sent me a letter on XX/XX/XXXX. But ( they are liars ) Capital One never sent and I have never received any letter or correspondence from Capital One regarding this dispute. On XX/XX/XXXX, I contacted Capital One about this letter and they refused to send the letter and refused to solve the problem.. 

Capital One falsely claimed to CFPB that they had credited me {$64.00} for the amount disputed to my account. ( Capital One are liars ). When I contacted Capital One about this dispute, they credited me {$64.00}, but on XXXX XXXX Capital One took back ( charged to my account ) {$64.00}. Capital One told CFPB they credited me {$64.00}, BUT CAPITAL ONE DID NOT MENTION THEY TOOK BACK THE AMOUNT OF {$64.00} ON XX/XX/XXXX. ( CAPITAL ONE ARE LIARS TO CFPB TO CHEAT THEIR CONSUMERS ). CFPB please bring justice for consumers. Please see the attached statement. The amounts and dates Capital One gave and took back are highlighted yellow in the PDF.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX First Investors Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : UNAUTHORIZED CREDIT INQUIRY To Whom It May Concern : I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry and demand that you contact First Investors Financial Services immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. 

If you have any questions, please contact me at the address listed below. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX
Product: Debt collection

Discover card Credit Card harassed me and my extended family about a debt by calling and referring my personal information to a debt collection agency. This agency called my family and harassed them with letters and phone calls as well. These actions endangered my welfare and well being of my family. Due to Law 15 USC 16G - All negative information, accounts, names and inaccurate information is to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX my husband and I put solar panels on our house. At that time there were news stories about people having trouble with leasing them. So we purchased ours. We took the loan thru XXXX XXXX and were told they would put a lien on our home. We were told specifically that this would not be a second mortgage, but an installment loan. If I had thought this would be a second mortgage I would have gone thru a mortgage company to obtain the loan. Unfortunately, we were late on this loan less than a year ago when my husband left his job. This was due to XXXX after the loss of our son 2 years prior. We sold our house in XXXX of XXXX and moved home to be near my family in XXXX XXXX. We have been staying with a gracious family member while we attempt to obtain a loan for a home. However, we have been told that we can not obtain a loan because the XXXX loan is reporting as having been late within the last year and is considered a second mortgage. I have contacted XXXX a number of times ( XXXX ) in order to find out what kind of loan this was. I was told this was an installment loan on more than one occasion and even have an email from them stating so. However, they are telling the credit reporting companies this was a second mortgage and now we are unable to obtain a home loan. IN the least, this is false advertising, or a bait and switch. I can't believe the interest we paid on a loan that I could have had funded by any local bank for half the interest. And in the worst, I was lied to, if I had known they were reporting as a second mortgage, I would have waited a year before uprooting my family and moving across country. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX NC XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. The following personal information is incorrect Employers : XXXX XXXX XXXX 7. The inquiry was not authorized EXPERIAN XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX XXXX. 
Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
XXXX. The XXXX XXXX XXXX is incorrectXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 14. The following personal information is incorrect Employers : XXXX XXXX XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute twice with Transunion to remove the XXXX XXXX XXXX XXXX account from my credit report. Transunion has failed to provide a solution and has sent me a letter stating that the disputed information was verified as accurate. This is totally and absolutely false. I do not have any business with XXXX XXXX XXXX XXXX or their affiliates. My credit has been impacted negatively by more than XXXX points and it keeps decreasing. I urgently need the removal of XXXX XXXX XXXX XXXX from my Transunion credit report. My payments regarding my true financial responsibilities are flawless.