23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have XXXX store credit cards with Synchrony Home. My cards are with Mattress Firm, JCPenney, Belk ( can use elsewhere ), and XXXX ( can use for gas ). I noticed that Synchrony is charging me a late fee for each card on the date my payment is due. They do not give me time to make the payment. I asked the customer service representative why am I receiving late fees on the due date and her exact words to me were, " Because that's just what we do and there's nothing you can do about it. '' The Mattress Firm card is due on the XXXX, late fee of {$41.00} posts on the XXXX, instead of after the XXXX. JCPenney due on the XXXX, late fee of {$41.00} posts on the XXXX instead of after the XXXX. Belk is due on the XXXX, late fee of {$40.00} posts on the XXXX instead of after the XXXX. XXXX is due on the XXXX, late fee of {$41.00} posts on the XXXX instead of after the XXXX. They do not allow me the time to make my payment. If it's not paid ahead of the due date, they go ahead and tag on the late fees and this is not fair. My balances are steady climbing higher with these late fees when the date hasn't passed yet. Some late fees have been {$30.00}, I guess it depends on my balance to know what the late fee amount will be. The attachment is from my Mattress Firm transactions.
Product: Checking or savings account

Basically my card was stolen and whom ever stole it did two transactions of XXXX $ and I reported the next day because thats when I saw it and Ive been with this bank for year and even a home equity line I would never do this like open the camera footage and look at the difference of the person Im XXXX XXXX XXXX Im in my XXXX and they do this to me
Product: Debt collection

They call repeatedly with a robocaller that tells you to wait for the next operator. I waited on the line and instead of getting an operator I was hung up on. This happened several times. Finally after a couple months I received a letter from them stating I owe a debt to pain management, I pay them every time I go into the office, if I was delinquent they would not make appointments with me. I attempted to reach them at the number on the letter and was told that I had to call back as all operators were busy. 

Finally a real person called me and berated me for being so delinquent on this debt, I told them had they bothered to send a letter or actually put a human on the line earlier so I could see what the debt even was I would have handled it already. I have a call into the doctors office who stated they should not be pushing collections on people without contacting them for verification first.
Product: Checking or savings account

PNC XXXX XXXX customer service today XX/XX/2022 was very rude, unprofessional and disrespected about a text alert I received of a completed refund transaction on my account that posted today. This has been my primary bank for years, even during the pandemic. I don't understand why do I have to wait " 7 '' days to gain access to my funds, when this has never, in years happened before. I requested over 4 -5 times to speak with a Supervisor, the customer service rep, rudely cut me off and put the wait time music on, held the phone, I could hear her in the background, for over 20 minutes. Refusing to transfer me to a supervisor. I don't appreciate the rudeness just to get access to my money.
Product: Checking or savings account

In XX/XX/year>, Chase sent me a letter stating that they were closing my account. The letter states that I " abused the claims process. '' It appears that Chase is boldly accusing me of fraud without any evidence and gave me no opportunity to defend myself before starting the process to close my account. Chase criminalized me, a once longtime consumer with checking, savings, and mortgages through this bank. However, this did not matter to Chase. They had no problem closing my account. When I called about this, I was told repeatedly that Chase does not have to give a reason for closing the account and that I should have been aware of this when I opened my account. So, which is it? Did I allegedly abuse their claims process or is it that they just closed my account with no provocation? I was told several times Chase does not have to provide any explanation to me. As a result of Chase closing my account the following occurred : 1- No access to my payroll checks for weeks and inability to pay creditors on time ( Chase mailed the remainder of my funds to my address and would not let me get access to my funds. ) 2- My life insurance policies lapsed 3- Forced to open new bank account and endure two 6 day waiting periods for payroll checks to clear after waiting for checks to be mailed from Chase. ( XXXX and XXXX rent was LATE, which incurred XXXX {$50.00} late fees, total = {$100.00} ) XXXX over XXXX creditors paid over a month late, incurring late fees per creditor XXXX Had to stop payroll deposit and get paper checks .... delaying payments to creditors and disrupting autopay. 

XXXX Kicked off Student Loan AutoPay/late payment XXXX Kicked off Auto Pay for all Credit Cards .... had to call each creditor and reapply
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX XXXX : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, you Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report. Per the credit reporting, it states for XXXX account status as derogatory, XXXX  account status as Closed, Equifax account status as derogatory, so 2 credit agencies are reporting as derogatory, but XXXX reporting as closed, which means not derogatory. As a creditor, you can not report different information between credit agencies, which is a violation, so delete this account immediately. Secondly, XXXX  reporting a high credit of XXXX, XXXX  reporting a high credit of XXXX, and Equifax reporting a high credit of XXXX, you can not report different credit limits between agencies, so delete this account per violation. Third, XXXX  reporting payment status as collection/ charge off & comments as transferred to another lender, XXXX  reporting payment status as late 120 days and Comments as purchased by XXXX XXXX XXXX XXXX XXXX and Equifax payment status as collection/ charge off and comments as consumer disputes. You are reporting different payment status, and comments between the credit agencies, which make this information invalid, and you are reporting this debt as it is due to you, but you stated it was sold. This is clearly a violation, delete this account immediately per violation. 

You can not report an account that you have no legal right to collect because, You do not have a verbal or original written contact with my bearing my signature on it, stating you have the right to collect. In addition, you are reporting the debt as sold. I have enclosed a snapshot of my credit report showing the reporting/ proof. 

Delete per violation, cause you can not report different information between credit agencies, which makes this account inaccurate and you have no legal right to collect because you do not have no original contract on file with bearing my signature and please do not reply with a copy of an copies of credit card statements, or information from third party collection agency, as this do not validate the right to collect and will not hold up in court.
Product: Debt collection

I would like to submit a complaint against ( Louisiana Recovery Services )  regarding unknown medical account ( s ) ( XXXX ) ( {$140.00} ) and ( XXXX ) ( {$140.00} ) reporting on my credit files. I mailed ( Louisiana Recovery Services ) a  certified, registered and tracked letter via the United Stated Postal Services on  XX/XX/XXXX requesting validation of the account ( s ) ( Louisiana Recovery Services ) was reporting on my credit report ( s ). ( Louisiana Recovery Services ) has not  responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Louisiana Recovery Services ) claimed to be collecting for. The original creditor ( s ) I spoke with stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Additionally, the original creditors stated the account ( s ) I was inquiring about were well over six to seven years old. Which means the account ( s ) ( Louisiana Recovery Services ) were attempting to collect are also time-barred and obsolete for collections and/or reporting per the Fair Debt Collections Practices Act and the Fair Credit Reporting Act. Upon learning this, I contacted the XXXX office to find out how to file a complaint of fraud against ( Louisiana Recovery Services ) for  attempting to defraud me a senior citizen and XXXX. ( Louisiana Recovery Services ) have violated several state laws, FDCPA and FCRA.

These erroneous entries by ( Louisiana Recovery Services ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety, which are exacerbating and aggravating my current medical issues. I will pursue the enforcements of my constitutional rights via all legal remedies available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX AV XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX  XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXXXXXX XXXX XXXX XXXXXXXX {$2700.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$8100.00} XX/XX/XXXX XXXX XXXX  XXXX {$18000.00} XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX {$25000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. 
I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. i WOULD LIKE A PIN NUMBER FROM TRANS UNION, XXXX, XXXX XXXX AND XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account does not belong to me I have contacted the credit bureau as well as trying to contact the creditor but to no avail. I was XXXX  from XX/XX/XXXX to XX/XX/XXXX.
Product: Debt collection

XXXX XXXX I called American credit Acceptance and XXXX to get my car note refinancing. They told me they can not help me. So I called my bank and they wasn't able to help. So I called back to American Acceptance and XXXX and told them to come get the car. It was also during XXXX. I put brand new tries all round the car and oil change.
Product: Credit reporting or other personal consumer reports

XXXX, SYNCD ASHLEY, SYNCB LOWS XXXX XXXX XX/XX/XXXX To Whom it may concern, This letter is a formal complaint that you are reporting inaccurate, fraudulent and incomplete credit information. 



I am distressed that you have included fraudulent information in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information you provide to credit bureaus. Credit reporting laws ensure that companies only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate. The following information therefore needs to be re-investigated and removed as the charges associated with the listed accounts are fraudulent and I have duly conveyed this to XXXX, SYNCD ASHLEY, SYNCB LOWS via letters, documents, recorded phone calls, that I also have recorded. 

XXXX, SYNCD ASHLEY, SYNCB LOWS is in clear violation of FCRA and FDCPA laws, which states that all collection activities must halt for any accounts that are in dispute. However, I am still being harassed by phone calls, letters, and civil summons by you and your collection agent, XXXX, SYNCD ASHLEY, SYNCB LOWS. I have listed the following accounts which were fraudulently used to incur charges and several of them, if not all, that my bookkeeper unknowingly made payments from my bank account for which I want reimbursed. ( See below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCD ASHLEY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SYNCB LOWES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am urging you to remove, delete, clear all of these accounts from my credit report effective immediately. 

Thank you.
Product: Student loan

I am currently a XXXX  and have been for XXXX  years, also a veteran. I received an update the week of XX/XX/XXXX and saw that my payment went from {$170.00} to over {$400.00} a month while I'm in the loan forgiveness program. My income for last year went down and nothing else has changed and having no understanding of why this was so much. I was told that I did not fill out the application correctly and then went back in and did just what I was told to do. On XX/XX/XXXX, I was told that they would not accept my application after I was told to do what they told me to do. I have had enough of this and the scam of this program. I was under the impression when the whole idea of this program was to eliminate this bill and all that this has been has been a huge headache. Every time I talked to someone at Navient they say that they are following the rules that have been set by Congress and they have no control over the program. I want this fixed. I have no problem paying the proper amount however this seems to be a huge scam because I have been paying on this bill since I graduated in XXXX. The account number is : XXXX.
Product: Consumer Loan

I have paid approx. {$21000.00} on a {$14000.00} car and 4.5 years later with no late payments I owe approx {$9000.00}. They have refused my attempts to pay off early by applying extra money to future months instead of applying it against the principal. Arguments are all they offer. ( I will locate supporting documents as needed. )
Product: Credit card or prepaid card

i opened a new card with a {$300.00} limit on XX/XX/XXXX inside the store. I made a purchase that day for {$99.00}. Once I received the card in the mail, I set up my account online and paid the entire balance of {$99.00} off on their site. I made this payment by checking account on XXXX and it posted XXXX. I paid it off because i'm trying to avoid interest and annual fees. I made another purchase on XXXX for {$120.00} and paid the balance in full on XXXX. On XXXX i went into the store and made a return for {$40.00} and tried to make another purchase for {$110.00} and my card was declined. On the site, it shows my available credit to be {$200.00}. The clerk in the store also pulled up my account and showed available credit of {$200.00}. She called their service desk, the guy asked to speak to me on the phone. I was told that i could not use my card whenever there is a payment pending, and it could take XXXX business days before a payment fully clears. So, anytime i make a payment, it could be as small as {$5.00}, they will block my whole card until the payment clears, no matter how much available credit i have. I called customer service today, XX/XX/XXXX. I spoke to XXXX and then escalated to XXXX, XXXX ID XXXX, located in XXXX  XXXX. They told me the same thing. Anytime i make a payment, they will block my card for XXXX days. This makes absolutely no sense and is not fair business practice or fair credit act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a home mortgage with XXXX XXXX bank, and our monthly premium was raised to {$4300.00} instead of {$3900.00} in XXXX XXXX. I was negotiating with my home insurance company and attempting to remove the escrow acct with XXXX XXXX so we can pay our taxes separately. 
We processed autopayment in amt of XXXX on time, and we also have been paying our monthly payments for 1 month in advance, so our account has XXXX $ in excess, which XXXX XXXX did not apply to the deficit of around XXXX XXXX All this happened within 30 days, and they reported me to credit bureau and it shows acct delinquent in the amount of {$300000.00}, and XXXX XXXX refuses to remove it. Our account with them is clear and in fact, we have a credit with them in amt of XXXX $ which they failed to apply to deficit.when we called them on several occasions, they are rude, and lie to us, they refuse to remove the false report on my credit. I have contatced their board of directors also, and therefore I want you to publish everywhere and have them correct this information with the credit bureau.
Product: Credit reporting or other personal consumer reports

I have 3 prepaid credit cards on file that i did not authorize to be open or used. 
once is XXXX XXXX for {$2000.00} XXXX XXXX for {$550.00}, kick off for {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I contacted TransUnion about the following negative accounts XXXX  XXXX Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX  Inquiry on XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XXXX XXXX  XXXX Inquiry on XX/XX/2021, XXXX Inquiry on XX/XX/2021, XXXX - XXXX XXXX Inquiry on XX/XX/2021, XXXX XXXX Inquiry on XX/XX/2021. Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, & XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX ; Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB + Experian, On my latest Experian credit report I see 4 unauthorized credit inquiries I would like investigated and removed as I never gave permission.

- my drivers license - my social security card - my address- my written complaint - screen shots on Experian where these are located Please have these unauthorized hard credit inquiries removed as soon as possible.