23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Due to the coronavirus pandemic -furniture I bought XX/XX/XXXX with delivery at that time was XX/XX/XXXX delivery since ( Understandably ) delayed until XX/XX/XXXX - store card credit Synchrony is insisting my first payment will be due XX/XX/XXXX or I will be penalized with late charges Spoke to customer care for XXXX and also Synchrony credit card - to no avail- No one expected this coronavirus impact but is it fair for me to pay ahead for something I dont have and honestly dont know if will get on XX/XX/XXXX - Also was going to cancel order b/c of this issue but will be charged a 15 % restocking fee! I have worked hard to rebuild my credit and do not want my credit ruined over this I think its truly unfair to ask for payment of something that is unclear when it will be available
Product: Credit reporting or other personal consumer reports

I noticed some inaccuracies on my credit report i brought it up to XXXX XXXX and Equifax they told me they were going to take care of the problem but they never did. its effecting my credit report and score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute information about an address that I never lived in and it was never removed from my credit. I never lived at XXXX XXXX XXXX XXXX there's no apartments there.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named " SYNCBXXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX to current, I sent individual FCRA Section XXXX letters out to dispute and request written evidence of specific hard inquiries and FRAUDULENT Account on all the Credit report to TRANSUNION. I notice several companies that I do Not recognize nor authorized consenting to.The letter detailed the specific Unauthorized FRAUDULENT Account as well as inquirys in question and was sent certified mail/return receipt, copies are attached and so are the credit bureau XXXX TRANSUNION. Below are the detailed Unauthorized FRAUDULENT Account and Unauthorized FRAUDULENT Inquiries I asked to have investigated in early XXXX to Current days date. 
Unauthorized FRAUDULENT Account 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 Please verify these credit inquires that pulled/ viewed my credit without my permission. Within XXXX business days in compliance with FCRA. 
TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.
Product: Credit card or prepaid card

On XX/XX/XXXX, I added an authorized cardholder who is my girlfriend 's brother. Then I tried to use my Member Rewards of XXXX Platinum to transfer to XXXX miles. However, " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' the above statement shown on Amex website. Till now, I still haven't received any email or mail regarding " Member Rewards Review ''. It will take six to ten weeks to finish this process ; stated by the agent. I think I deserve every single point I earn from purchases. Amex should draw a line that some points might be suspicious if they want to investigate instead of having all points frozen. That makes nonsense for customers to pay {$550.00} annual fee to earn points.
Product: Mortgage

The mortgage loan was transferred to a new Servicer. The new Servicer would not honor the agreement from XXXX. The payments were sent in to the new Servicer - ( Caliber Home Loans ) and they were sent back, Now trying to put the homeowner in foreclosure instead of working with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found names on my credit report that are not me. This has been hurting me as I am in the process of purchasing a new home for my family. Please remove these fraudulent names from my credit report as soon as possible
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquiries on my credit report, violating 15 USC 16c-2. Please remove them immediately.
Product: Mortgage

My mortgage company, Webster Bank, NA, is charging me {$5900.00} for hazard insurance, because they claim that I have not provided proof of hazard insurance coverage. I provided proof of hazard insurance coverage six times by fax as well as once by mail. I have called the bank 's insurance company approximately 5 times. Each time they send me a letter stating that I must provide proof of hazard insurance coverage -- the same hazard insurance coverage I have been providing over and over again. The bank is violating the terms of the mortgage by charging me for hazard insurance when the building is already covered with adequate hazard insurance. They seem not to care about this.
Product: Credit reporting or other personal consumer reports

I mailed in receipts on XX/XX/XXXX of items on my credit report that needed to get removed. I reached out to the company twice about this. All the balance are at XXXX and should have been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes with Transunion regarding my revolving XXXX XXXX XXXX  account with XXXX XXXX XXXX and they continue to come back and say that the account is reporting as accurate. When I view my report, its showing as CLOSED as of XX/XX/2022. This is not correct. The account is open.
Product: Debt collection

XXXX Name : ( XXXX XXXX ) Address : ( XXXX XXXX XXXX XXXX XXXX Collection Agency Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : Account Number : XXXX I am sending this letter in response to a letter you sent me on ( XX/XX/year> ). I want to inform you that this is NOT a refusal to pay but in accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt. ( 15 USC 1692g Sec. 809 ( b ) ). 
I am NOT requesting a verification, but I am requesting for validation. I request that your office provide me with evidence that I am obligated to pay you. 
Please provide me with the following information : XXXX. 
State what the money you say I owe is for XXXX. How did you come to determine that amount XXXX. Provide copies of agreements bearing my signature stating that I agreed to pay what you say I owe XXXX. Show me the proof that you are licensed to collect in my state ; provide your license number XXXX. Provide me with proof that the statute of limitations have not expired XXXX. A valid, legible copy of the agreement stating the debt and interest charges If your company fails to comply or respond to this letter within the allotted time of XXXX days from the date you receive this letter, this account must ha delated and removed immediately from my credit ire attempts to collect this debt must stop. 
United States sincerelv. 
( XXXX XXXX )
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent funds from my XXXX  Account to my XXXX XXXX account in the amount of {$180.00} through Zelle, which wasnt the first time I had done so. XXXX XXXX sent me an email stating that they were unable to deposit the funds and that they were returning them. By XX/XX/2022, I contacted Zelle via email to check the status, because my money hadnt been returned yet. I got an automatic email response with a case number that said that I would get a response in two business days, which I did not. Just before the close of the second business day, I reached out to Zelle via phone on XX/XX/2022, since I had not gotten a response as they stated I would. I provided the case number to the representative and he told me he was unable to look up the case. So, after I explained what my issue was again, he started another case for me. He indicated that he wasnt able to see what happened to the funds and that he needed to send it to the research department to investigate. There has been no further details provided since the case was opened. I called Zelle again today and the representative wasnt able to provide any details. My problem is my initial contact with Zelle was XX/XX/2022 and its now XX/XX/2022, yet no one can tell me anything. Im beginning to feel like Zelle ripped me off. I need my money back as soon as possible, so I would like some answers.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, New York XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

I am check in my credit report today, I found one collection account in my report, But this account is not I opened, Because I didnt deal with the company from the collection account, Also I never receive any letter, email, phone call about collect debt from the company, That means the company dont have my all correct information, it is someone steal my some information like name, social security number to open the account, and I already set a alarm on credit bureau a few months ago, so please remove the collection account from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL FRAUDULENT INQUIRIES ON MY CREDIT REPORT THAT I DID NOT DO. SOMEONE USE MY INFORMATION TO APPLY FOR ACCOUNTS IN MY NAME AND TO FILL OUT APPLICATIONS THESE ARE THE FRAUDULENT INQUIRES ON MY REPORT 1.XXXX XXXX XXXX XXXX XXXX 2.XXXX 3.XXXX XXXX XXXX   4.XXXX 5.XXXX XXXX 6.XXXX XXXX 7.XXXX XXXX
Product: Debt collection

Nissan Motor Acceptance wrote the final status on a totaled vehicle that I financed through them as " {$7500.00} written off '' after I paid every penny that was not covered by my auto insurance. Now I had a conversation with them in XX/XX/2018 and during the fall of 2018 as well during which they promised me that once I paid the full balance owed they would remove the charge off status. Now " written off '' and " charged off '' mean the same thing. In other words, they deceived me into paying the full balance owed without removing the charge-off status nor indicating that the full balance was paid off, not Charged off. They lied to me. They need to delete that status ASAP. I can prove every single payment I made through my bank statements, including the final payment that reduced the balance on that account to XXXX. I even called to confirm how much I owed. They misreported this account and they need to own up to it and fix their wrongdoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

I used my First Bankcard credit card to purchase {$50.00} commissary voucher to a prison inmate. My credit card has charged my account {$15.00} as a cash advance transaction. I requested to the customer representative XXXX, then to the supervisor XXXX that the {$15.00} fee be waived because I did not consider the transaction to be a " cash advance ''. My request for the fee " one-time '' to be waived was denied.
Product: Credit card or prepaid card

XX/XX/2018 {$270.00} The charge was placed on my card without my authorization. I traded in a perfectly functioning XXXX XXXX for an upgrade to a XXXX  XXXX. XXXX is stating the phone was damaged and back charged me {$270.00}. This is not possible. I had [ aid for  insurance through XXXX. If the phone were damaged I would have used my insurance to have it repaired. XXXX not only stole my money for phone insurance but stole an additional {$270.00} for the trade in of the phone. I am filing a complaint with the CFPB. I have disputed this item multiple times. XXXX has offered to investigate and is unresponsive.
Product: Checking or savings account

On XX/XX/XXXX I went XXXX on XXXX and XXXX XXXX in XXXX, Ca. I attempted to do a cash advance from my EDD card to my personal checking account. The teller stated the system wasnt working well but she would attempt to withdraw the funds. I was asking for {$2000.00}. The teller attempted to do the transaction and the card decline. Stated I could come back at a later time and try again. Needing the money I drove to another branch in which once again my transaction was declined but the teller instructed to check my balance in which I noticed the previous transaction was pending. I went back to the previous branch in which they stated the transaction did not go through and I would just need to wait a couple hours and the money would go back. On XX/XX/2022 The transaction posted and my funds were withdrawn. On XX/XX/XXXX went to XXXX on XXXX and XXXX and was told the transaction declined on their end and I would need to file a claim. The claim has been filed and also a hardship application has been filed on XXXX. I have not received any correspondence for this problem, this is my sole income and I currently dont have any funds to support my family.
Product: Payday loan, title loan, or personal loan

I had to use XXXX XXXX through Duvera to fix a costly car break down, when signing up it was not made clear that it would have a 135 % interest and now that I have the money to pay off the loan the company is not processing the payment and has already returned it once and it has now come to my auto pay date and the account is now larger than my pay off amount. I was also hit with an additional late fee on XX/XX/XXXX this is a day prior to my scheduled XX/XX/XXXX auto pay date. I feel as though the company is delaying the pay off in order to receive another monthly payment and allowing more interest to build on the account. Customer service has been very unhelpful on this matter.
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1700.00} XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX & XXXX XXXX {$100.00} date Opened XX/XX/XXXXXXXX XXXX XXXX date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00} XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX ) XX/XX/XXXXXXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the inaccurate reporting of an auto loan by XXXX XXXX XXXX under account number XXXX. The account is currently reported as charged off with a balance of {$14000.00}, but this reporting fails to reflect the full context of the situation. The account is subject to an arbitration appeal, which is still ongoing, due to issues with faulty merchandise related to the vehicle. The delinquency and subsequent charge-off stem from my inability to resolve the matter with XXXX due to defects in the product. 

Additionally, XXXX reporting fails to account for a possible repossession, which should be reflected in my credit report but is currently missing. The incorrect reporting of the charge-off, without acknowledging the ongoing arbitration or repossession, is severely damaging my credit score and hindering my ability to obtain credit and secure housing. 

I have included a consumer statement on my credit report explaining that the delinquency is due to faulty merchandise, and I am awaiting the outcome of arbitration. However, despite this, XXXX continues to report this account as a charge-off, further worsening my credit. 

Actions I Have Taken : I have attempted to resolve the issue with XXXX directly, but the dispute remains unresolved due to the ongoing arbitration appeal. 
Despite the arbitration, XXXX continues to report the account as charged off, without noting the arbitration status or including any repossession information.
Product: Debt collection

I keep getting phone calls from XXXX XXXX XXXX. I want them to stop. 

XXXX shows they areXXXX XXXX ATTORNEY AT LAW XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX : XXXXXXXXXXXX : XXXX : XXXX : XXXX : XXXX? XXXX
Product: Student loan

The save plan is supposed to be 10 % of my discretionary income. Its not. Its literally almost all of my money after my bills are paid. I cant afford to go to get medicine or anything. I told them the federal site said there was even an error in the calculation too. They wont even respond. I can not afford {$400.00} a month. I make @ {$2000.00} every 2 weeks after taxes. My bills are most of that. I dont know where they think I can pay {$400.00}. And they wont even talk to me or help me at all. They wont even respond. I hate Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX  XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} 01 SYNCHRONY BANK XX/XX/XXXX Balance : {$440.00}
Product: Debt collection

My daughter received a call on Monday XX/XX/2020 @ XXXX XXXX  from someone pretending to be an officer of the court stating that someone would come to my home to provide me with legal papers and they were hired by a company. They provided me with number for me to call and gather more information. The number provided to me is Sunrise Credit Services, so it was fact an employee of this company breaking the law when calling me. I am aware that this is a scam that debt collections agencies use in intimidating debtors or those they believe has a debt. This is clearly a violation of the FDCPA. The person who called clearly used a number that is not traceable. That number is XXXX and of course she refused to provide her name. I Have advised them once before to cease and desist and therefore they are using a another method to harass me. I have not received any correspondence from this company stating I owe any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact XXXX  in regards to a 30 days late in XX/XX/XXXX being reported after I was granted an extension due to natural disaster here in Fl ( hurricane ), I also informed them of my diagnosis of XXXX and have always called and paid on my loan. I recently spoke with an XXXX  agent on XX/XX/XXXX as I had just gotten out of the hospital, and my XXXXyo son attempted to take care of some Bill 's for me but was not aware o didnt use the checking info on file with XXXX  so that payment did not go thru. I usually pay them with my card due to them pulling payments days early when not authorized. I explained that to her and informed her I will be making that XX/XX/XXXX payment soon she advise that I make it by XX/XX/XXXX to avoid a neg reporting on my credit report. Then today XX/XX/XXXX I get an alert from XXXX  stating my account was reported as 30days late, when I attempted to dispute ( per XXXX  advise ) it tells me I cant dispute because I have already disputed the in accurate info from XX/XX/XXXX that was never updated/ changed as well. I would like my report to reflect accurate information as it drops my score when they do this and there is no accountability just the run around. Also I have paid over {$10000.00} on my loan since XX/XX/XXXX and my report only reflects {$2000.00} has been paid over the course of 3 years.