23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. SELF FINANCIAL/LEAD BA never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I believe there may be an error on the payment status, payment history, and the comment to verify this information, correct this if there are errors, or remove this ASAP.
Product: Credit card or prepaid card

I was injured in XX/XX/XXXX and needed urgent XXXX XXXX XXXX XXXXXXXX. The doctor I went to told me it would cost {$4000.00} cash ( I don't have insurance, I'm a XXXX XXXX ) and offered to open a Care Credit account ( managed by Synchrony ), telling me it was interest free as long as I reimbursed regularly. 
After the surgery and for a year I made the payments religiously and brought the balance down from {$4000.00} to {$2700.00}. 
On XX/XX/XXXX, the anniversary date of the account, they charged me {$1000.00} in interest fees - 26.99 % of the original amount, despite my regular payments and the fact they were not owed that money. 
When I contacted them, they refused to explain the calculation and told me it was my fault, I should have known and this was it. I offered to pay in full and negotiate the fees because I had already paid {$1300.00} and I have a great credit score. They were rude, told me there was nothing to discuss and I was wasting their time. 
I ended up payment {$5000.00} for a {$4000.00} procedure because my doctor suggested Care Credit. It's a scam. The APR of my regular credit card is 13.9 % and they are accommodating when I have financial difficulties like what happened with Covid.

Synchrony is just a loan shark peddled by doctors who are probably in on it. Disgusting and a great disservice to the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE TO CLAIM # XXXX CAPITAL ONE has been instructed to cease all reporting of my NON-PUBLIC INFORMATION to its NONAFFILIATED THIRD PARTYS THE XXXX. CAPITAL ONE has responded with they have the right to do so because of an alleged proper agreement. In this agreement CAPITAL ONE FAILED TO GIVE ME EXPLAINATION AND GIVE ME THE OPPORTUNITY TO EXERICSE MY RIGHT TO DIRECT THE MANNER OF MY NONPUBLIC INFORMATION BEING REPORTED UNDER 15 USC 6802b ( B ) ( C ). CAPITAL ONE IS IN FACT A FINANCIAL INSTITUTION BY DEFINITION THERE FOR IS OBLIGATED TO MAINTAIN PROPER PROCEDURES TO PROTECT ME AND MY NONPUBLIC INFORMATION UNDER 15 USC 6801 WHICH THEY HAVE NOT. I AM EXERCISING MY RIGHT TO SIMPLY DIRECT THE MANNER IN WHICH MY NONPUBLIC INFORMATION IS BEING REPORTED IN THE FORM OF SAID ACTION BEING CEASED. CAPITAL ONE REFUSES TO DO BECAUSE THEY ALLEGEDLY HAVE THE RIGHT UNDER AN AGREEMENT TO WHICH FAILED TO PROVIDE PROPER DISCLOSURES THERE FOR BEING NONINFORCEABLE.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXXXXXX  and I noticed that this unauthorized inquirieshad been made. 

XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX P XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$67.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account ending in XXXX Was an old account. They got paid due to an agreement. I was told they would remove the account t from my report from all three report agencies. I sent 3 disputes so far and they refuse to take it off. As well as showing paid late for the year we settled when I never was late. Now this is showing up as a new derogatory remark and late payment starting last year. Its not right and effecting my credit report and score to future investments. Please assist.
Product: Credit card or prepaid card

I purchased 4 tickets from a third party supplier on XX/XX/XXXX for a round trip to XXXX XXXX from XXXX in XX/XX/XXXX for {$1200.00} and I purchased seats separately from XXXX XXXX for both flights. After Covid struck and XXXX changed flight times, we were able to cancel flights from XXXX with a full refund in XXXX and they were able to refund my seat assignments directly to my Citi card ending in XXXX but the tickets had to get refunded back to the third party supplier on XX/XX/XXXX for {$210.00} each equaling {$860.00}. After calling the third party supplier about 10 times without success ( they kept using excuses like call back in another week to check if the credit is showing up and then it will go back to the credit card ), I called citi XXXX XXXX and told them what was going on and that I wanted my {$860.00} back and they could go after this company for their money because they got their refund. In XXXX, I got a letter from citi stating that they were putting the charge back on my card because the company stated that this was a VALID charge. I then sent supporting evidence to citi card clearly showing that this company got credit on XX/XX/XXXX for all four tickets and they again conditionally credited my account to reach out to them. Now they put the charge back on and want me to pay by XX/XX/XXXX my {$860.00} and are awaiting this company 's response? I have already proven my case and I should not have to pay anything at this point. They need to recoup the money from this scam third party supplier. If I do not pay by XX/XX/XXXX my cc will show a late fee and they are not expected to hear back from this company until XXXXThey will not answer them at this point and I have tried to speak to the dispute dept in the credit card company at XXXX but they keep hanging up on me. They are a terrible company and need to take it up with them and not the consumer when COVID is rampant and lives are being lost and jobs are scarce and my case is proven and they still want me to pay. I will cancel my credit card with them as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XXXX XXXX, XXXX has been reporting Unaccurate Unupdated Information from an Nelnet account by the department of education XXXX has have been continuing to report and identify on my credit report these late payments and debt accounts to XXXX. They have not stated that this debt has been sold to another company. In addition, they are also reporting an extreme and hindering late history. I have continuously disputed this matter only to receive more errors on my report. I spoke to the other credit bureaus and they have updated the information on the report. May some one please assist me in having this issue resolved. I want only factual information reported on my report. My account opened XXXX XXXX and was closed on XXXX XXXX. I do not owe them any debt or have outstanding late payments to this company Nelnet.
Product: Money transfer, virtual currency, or money service

I have requested for the transfer of my funds numerous times over the span of 3 months. Only for each time the transfer never to be completed or canceled by BAKKT. Who according to the agreement is responsible for consumer funds within the platform XXXX. Now they are ignoring my emails and refusing to transfer me MY money. It is evident this is a scam! The question if will CFPB DO ANYTHING to ensure my money is transferred to me
Product: Debt collection

When COVID started in 2020, I was unaware that XXXX had inaccurate banking information for me. They sent letters of notice to a wrong address, so I had zero knowledge that my payments weren't going through. 

When I saw my account was inactive, I tried calling via phone but could not get through to anyone. I tried emailing, but I was told to call. I called multiple times, was left on hold, received a voicemail box where I left a message, or received an automated message saying to call back during business hours. 

I emailed multiple times explaining I was unsuccessful in getting through to anyone and that my working hours interfered with the times available for me to call. I asked them to call me directly via email since I was not able to get in touch on the phone, but I never received a call back. 

I received a letter in the mail from a debt collector stating I owe {$470.00}. I tried disputing this, but they sent another letter claiming the charges are valid. 

I am looking at the list of charges sent, and I do not believe this is accurate. 

I had paid a {$50.00} membership fee and it shows that 2 payments were successful at {$45.00} each, totally {$90.00}. 

It shows my total charges of services received totals {$370.00}. 

{$370.00} - {$90.00} - {$50.00} = {$220.00}. 

I am no longer with this bank, so I can not access my records to verify that the other charges did fail, but I am willing to pay the {$220.00} since I was provided with the breakdown of charges from the debt collector, but I do not agree to pay {$470.00}.
Product: Credit reporting or other personal consumer reports

To whomever it may concern, I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Debt collection

A Mr. XXXX from " XXXX XXXX '' tried contacting me multiple times on XX/XX/2018, XX/XX/2018, and I finally picked up the call on XX/XX/2018. He said he was Collecting a debt that was once owed to Wells Fargo Bank. I called Wells Fargo to verify the Debt that was mentioned. They had no knowledge of whom owned the debt or if it had been collected ( This was a debt that I owed 10 years ago when I was in college that I thought I had paid off ). I called back Mr. XXXX and told him that I would be willing to come to an arrangement as long as they provided verification of the debt owed. After using harsh language and warning about a potential lawsuit multiple times, I asked for validation again. He proceeded to say some rather disrespectful things and hung up on me. 

I could not find out any information about this collections agency. I only know the telephone number that they called me from, which was ( XXXX ) XXXX
Product: Credit card or prepaid card

I'm not swayed that XXXX  efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX XXXX  are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

I requested Transunion remove a freeze on my report. The company would not allow me to speak to a representative Stateside in the United States although I requested this several times. I was informed that I was permanently blocked from online services due to being a victim of identity theft prior. This further victimizes me by not allowing me ease of access to services that every other subscriber is. Due to their refusal to allow access to my report I was unfairly denied for a service. The company continuously proceeded to ask me questions that were supposed to be related to myself and my credit file that had absolutely no relation to me. I called repeatedly on several occasions and tried to explain but could never speak to a competent manager in order to look into this further and offer a resolution. I am also attaching a copy of the demand letter I mailed to Transunion.
Product: Debt collection

XX/XX/23 Dear Experian, XXXX, XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 

You received a notice of dispute from me resulting in you advising me that the account had been updated. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. 

The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX and the collector for this account, XXXX XXXX XXXX XXXX .... are wrongfully appearing on my TRANSUNION CREDIT REPORT. 
IN ADDITION XXXX XXXX XXXX .... IS wrongfully appearing on my credit report. 
I have NEVER ORDERED ANYTHING from these companies.EITHER someone has used my information to order or it is an error of the company.Also I have never received any product or merchandise from these companies.All 3 accounts should be immediately removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXXXXXX .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Balance : {$4900.00}
Product: Bank account or service

My account was closed for cause. I deposited two third party checks and the next day my account was frozen and closed for cause. I ended up having to call the check issuer a and have both checks re-issued. Wells Fargo has reported to XXXX that both my savings account and checking account were closed for cause which has caused me to be unable to open a bank account. The banks are too quick to close for suspected fraud which is causing many consumers unnecessary inability to open a bank account.
Product: Credit reporting or other personal consumer reports

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : 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 Balance : {$18000.00} XXXX Inquired on XX/XX/year> These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Im not getting my disputes opened or resolved I only get stalled letters and no verification of the account that Im asking for Ive sent my documents to verify my identity but they keep saying they dont have it so they cant complete my disputes I have also requested that my scores are updated correctly after the removal of inquiries and inaccurate information and again that has not been done either I also have requested that I be opted out from all XXXX  credit reporting agencies and it be permanent I sent notarized statements with my identification for that as well and they have removed the bankruptcies but not the fraudulent accounts attached to them cause me to be negatively affected by this fraud and I have asked for this to be removed several times as well. Fraudulent accounts are XXXX who illegally sold my information to another company ( identity theft ) and western funding as well as chime who is reporting a charge off to an account which was prepaid so its inaccurate both the amount and the status violations are 15 USC 1681 and 15 USC 6892 which I am within my rights to pursue damages against each company and violation
Product: Credit reporting

Trans Union is reporting me as an " Authorized User '' on an adverse account of XXXX XXXX XXXX Credit Card. I do not wish to be an authorized user on this account nor associated with the person who owns this account. Please delete this trade line from my credit file as an Authorized User.
Product: Credit reporting or other personal consumer reports

I am the recent victim of identity theft and several data breaches. I reached out to XXXX on XX/XX/year> to alert them if my situation. My sensitive information is significantly at risk and I believe its imperative to take immediate action to protect my identity and financial well being. I have mailed all required documents i have also disputed and uploaded via XXXX online portal all documents to prove I am a victim. XXXX has not responded or given me any peace of mind in regards to this situation.
Product: Checking or savings account

Closed my account recently. I owed {$25.00} for early closure fee and was not told about that from beginning. PNC seemed like nice online bank from start, till I noticed closure fee. I was trying them out. Thought it as no big deal to just close my account. 

Staff at XXXX branch were friendly and helpful as was manager. Just don't like that the bank has to be closed during pandemic as my current bank has their lobby open even though there's a window between customers and staff. A lot of these types of banks like PNC can improve by removing fees for closure, offer free ATM reimbursement. That would make it a better choice bank. I get free ATM reimbursements with my current bank ; ), thus a better choice bank and staff knows me well. Never had any closure fees. Staff at my current bank go the extra mile for consumers.