23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The XXXX XXXX turned my application over to Synchrony Bank which would handle the actual financing. I am presuming that my credit was satisfactory but there was the strange question of identification. First I was told that I could not complete the application on my XXXX despite the fact that it has a camera. I was told that I need to go to XXXX XXXX XXXXXXXX on a smartphone ( which I do not have ) and follow the instructions. 

So, I borrowed a neighbor 's XXXX and found that I needed to take a video of myself that met certain exact standards and photograph the front and rear of my Drivers License or State ID Card. 

I am XXXX XXXX XXXX and have some XXXX XXXX XXXX XXXX as most people my age do. My lack of manual dexterity in my hands and fingers ( which comes with age ) makes it difficult for older people to operate a smartphone. Still, I was able after two tries to make photos of both sides of my State ID Card. However, I simply did not have the manual dexterity to make the somewhat complicated video in the short time that the software allowed. I think that I could have done it with more time. This is probably the case with most people XXXX XXXX XXXX. 

I doubt that other people my age could do this easily unless they are very experienced in operating a smartphone. This appears to me to be age discrimination since I asked Symphony Bank  to consider my excellent credit and the fact that I had three other accounts with them for identification. 

I made several phone calls but no help was provided to me.
Product: Vehicle loan or lease

I feel as if I have fallen victim of predatory lending practice. On XX/XX/year>2024 I applied for financing with west lake financial. At the time I was in need of vehicle to help with transportation. I was young and did not even understand the concept of interest. I find a dealership in XXXX CA that was willing to finance me. At the time I was working at XXXX making only XXXX an hour. I explained to the dealer my situation and truly believe they saw an opportunity to take advantage of me. I was given a high APR rate of 27.9 % it has been nearly 5 years and am certain I have paid over {$20000.00} in interest for a car that was only worth {$12000.00}. The lender knew I was unable to afford the payment, due to the inconsistent amount of money I was earning at XXXX but still placed me in loan. I have since regretted that decision and have become a victim of predatory lending. I feel that I am held XXXX at this point and am unsure of what to do. I have tried negotiating with them. They refuse to assist me in anyway. I am past due a month behind and they are threatening to repo my car. I don't know what to do at this point and going after a large corporation just seems impossible.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to Experian and  XXXX , I have an account with a collections company named  XXXX   XXXX   XXXX . I have requested validation from  XXXX   XXXX  since  XXXX  of  2015  with no response or validation that I owe a debt, so I sent  two  certified letters to both Experian and  XXXX  in  XXXX     2015  and not only have they never responded back to me, but they never verified the debt that they alleged that I owe. Also, the collection has been removed 5 times on both credit files and were put back within 5 days with no notice sent to me as to why -- -that is a violation and subject to fines according to the FDCPA. If the alleged collection account can not be validated as mine showing that I had a contractual signed agreement to pay  XXXX   XXXX   XXXX  then it needs to be removed off my reports permanently.
Product: Credit card or prepaid card

I have a credit card by the name of XXXX. The website XXXX is serviced by XXXX and the card is issued by Synovus Bank. The website is not working and I need to make a payment. If you have issues with their website, they provide the following number : XXXX. The number on the back of the credit card is : XXXX. 
I attempted to call both numbers on XX/XX/19, XX/XX/19, XX/XX/19 and XX/XX/19. The options are pay your credit card by pressing 1. There are no other options ; however their website says to speak with a friendly representative call : XXXX. I do not want to pay my credit card over the phone because I am afraid that they have had a breach or have been hacked. How do I know that the number provided does not give my personal information to an unauthorized user? I have never had an issue logging on to make a payment to their website. 
Time is of the essence because my payment is due XX/XX/19. Do I take the chance that my money will not go to them and I may expose my bank information? Finally, on one attempt I was able to login the website ; however when I clicked the 'account information ' page it says our website is unavailable, and again to call one of the numbers above to speak with a representative. There is no option to speak with a representative and when you hit the " 0 '' button on the telephone or any other button for that matter, the numbers hang up on you. 
These are clear violations and I know because I am a data privacy attorney. If I am not able to pay my bill or a breach has occurred exposing my information, things are not going to go well for the above parties. 
I tried calling Synovus since they service the card to see if they had any information. Apparently, they do not know their own vendors. These are deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XXXX XXXX {$690.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters on XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below. I was a victim of identity theft and the disputed inquiries do not make sense to me. Under the provisions of the FCRA section 605b, I am requesting that the Credit Reporting Agencies remove the following disputed inquries completely from my Credit Report ; XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX  Inquired XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA, agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days. 

XX/XX/XXXX - XXXX XXXX ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - Ally Financial ( unauthorized/unverifiable hard inquiry ) XX/XX/XXXX - XXXX XXXX Services ( XXXX XXXX XXXX ) I have attempted to dispute these inquiries with all three credit bureaus. However, they have all refused to investigate the inquiries and have informed me that Hard inquiries must remain on my credit report for 2 years and may not be removed.
Product: Debt collection

On XX/XX/2019, I received two letters from NPAS , Inc., claiming the existence of medical debt totaling {$35.00}. As the letter indicated that the debt had been purchased from a local primary care network, I contacted their office and was informed that they had never referred my account to a debt collector. 

I therefore sent a letter to NPAS via USPS Certified Mail ( tracking number XXXX ) requesting verification of the debt. Tracking information confirms the letter was delivered on XX/XX/2019. 

I did not receive any further communications from NPAS until XX/XX/2019, when they sent another letter claiming that I still owed the same debt that I had previously requested verification of, this time in the amount of {$17.00}. 

At no point have I been given any reason to believe, or any evidence supporting, NPAS ' claims about the debt 's validity or existence.
Product: Credit reporting

In XXXX XXXX, I reviewed my credit report and noted that XXXX was reporting an account that was Pay Status in Bankruptcy Date closed XX/XX/XXXX and date updated XX/XX/XXXX which meant that the month and year that this account was to be removed is XX/XX/XXXX. I contacted XXXX and they stated that they have not updated any account and did not include an new account in Bankruptcy. What they did was XXXX consolidated all account and merged them into one. I told them that Trans Union was reporting this account in Bankruptcy and current. They stated in XX/XX/XXXX that they contacted XXXX and it would take 30 to 45 to update. XXXX instructed me not to contact XXXX because they would correct it on their end. In XX/XX/XXXX I received an account alert that stated that I had a recent Bankruptcy and that I had XXXX account in Bankruptcy with XXXX. I contacted XXXX XXXX and disputed the XXXX XXXX account because I was assured by XXXX that it was corrected. I also contacted XXXX and requestd that they update this account and remove all derogatory informaion on my file. On XXXX XXXX, XXXX, I received a letter from XXXX swtated that they would remove all trade line XXXX XXXX ) for the loan that has not been service for XXXX years or more. which would have been the account with XXXX that was open in XXXX/XXXX/XXXX, but Trans Union changed the Date Updated and XXXX to XXXX/XXXX/XXXX. I contacted XXXX again and they stated that they have disputed this account with Trans Union 3 to 4 times and each time they refused to remove the account. On XXXX/XXXX/XXXX, I spoke with a XXXX at Trans Union and they stated that they only received the dispute from Trans Union in XXXX XXXX, which would not explaned the currect credit report that I receive from them on XXXX/XXXX/XXXX. She also stated that XXXX told them that it was in Bankruptcy, and I asked her do I have a current bankruptcy in my file, she stated " no '' so, I asked her how could they report a Bankruptcy in XXXX XXXX, if I did n't have XXXX. 
XXXX, has stated on several occasion that they disputed this account. It 's listed in the Remarks on the credit report. ( Chapter XXXX Bankruptcy, DISP INVG Comp-Consumer Disagrees. The disagreement is not that I had a Bankruptcy, but the date that Trans Union reported this account. 
In XXXX, I was on the phone with both XXXX and Trans Union, they representative stated that the account is current and in repayment. That this account should be deleted. Not only is it inaccurate, its caused several negative hits to my credit report and caused me to be decline for consolidation. I 've worked diligently to improve and maintain my credit worthiness in the last 10 years and its highly injurious that Trans Union has not regards to report accurate information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash App ( Block inc. ) Due to inadequate customer service and unfair practices which violate the consumer financial protection act. Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, leaving my account vulnerable and unprotected.

Furthermore, their dispute process was unfair and deceptive, as they didn't comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and finacial loss and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old XXXX  account from 7 years ago that was paid and remove from my credit have been added to my credit report again. This account was removed and close but now its reappear.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had four late payments on an account 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 Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX ) : # ( XXXX ). Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/19, XX/XX/19, XX/XX/19, I tried accessing my Equifax report online, and have received the same error messages : call Equifax. 
Each time I called, I got the same XXXX answer, give it an hour and try again ... 
There is inaccurate information on my report, and I want it removed.
Product: Credit card or prepaid card

Our credit card company is not honoring its cardholder agreement, which states that the holder is not liable for unauthorized charges, as long as the items in question are pointed out to them.
In XXXX  2017, my XXXX-yr old husband took a 30-day free trial from XXXX XXXX XXXXor a product that promised to help him prevent muscle loss from losing weight per doctors orders.
He never received any product from XXXX XXXX, but numerous different companies with different addresses and brand names continued to send him products he never ordered. He tossed all the products sent to him into a box. In XX/XX/XXXXhe asked me why his XXXX XXXX XXXX XXXX  balance seemed to be very high. I reviewed all the statements and found these various companies had all been charging large amounts for all this snake oil. I suspected that XXXX was selling his credit card number.
The sudden XXXX sent my husband to the hospital with a XXXX XXXX XXXX. After the immediate crisis was over on XX/XX/XXXX, I contacted the first merchant on the list and asked if they were sharing our credit card number. The agent told me they are all one company. When I asked for a refund of all charges and offered to return all their unused product, he hung up on me. This happened two or three times. I then contacted the credit card company to dispute the charges, report fraudulent activity, and give them my suspicions of the sharing of credit card information between companies.
They took down all the information and said it would take 30 days to investigate. They did not change the card number and unauthorized charges were again made on the account. The credit card company received a pile of poor copies from the merchants website and claimed since the merchant proved the charges were authorized they would not refund the charges.
Ive appealed this twice now and been put off 30 days each time. I pointed out that the printouts from the merchant did not show any evidence that my husband reviewed or selected any of their terms and conditions, etc. I finally had to demand that they change the card number, and they finally did so.
I think the merchant has been performing unfair, deceptive and abusive practices, and that the credit card company is aiding and abetting this fraudulent scam perpetrated against a senior citizen.
Product: Credit card or prepaid card

I do not remember when I have opened my XXXX XXXX account in response to an advertisement or so. Since then I barely received professional business services or practice. So, I have requested to close the account few times. They have not closed it. Then, I stopped using it. Still they sent me new card before the renewal. I dumped them. I again received them in the mail following year. This time I did not destroy them, but did not use them. 

Same or following year, I used it. Again, same problem and customer service is basically a customer harassment service. Nothing works to fix their errors nor do they understand simple math. So I asked again to close the account and destroyed the cards. 

I did not follow up after that. Two years or one and a half, they sent visa card, this time this was some of XXXX subsidiary or small contractor. I do not have any idea, who applied for the XXXX card. The Old account is gone and I was needed to create a new account. 

I started using the card, about 4/5 months earlier, I received a statement showing I have interest for $ 3- {$4.00}, I did not pay them but asked why there were interest. Few days later I received an on-line response, saying I did not pay my balance in full. 

THIS CLAIM IS TOTALLY FALSE. 

I do not carry any balance, ever, and that applies to all of my credit cards! regardless the balance is {$1500.00} or {$15000.00} I have never carried balance. I always pay the balance in full. I asked for proof, no response. I then asked to close my account in writing, as attached. But no action. I the meant time that interest must have grown to 3/4 folds. I clearly declared that I am not responsible for any charges if the account is not closed. 
I have written to XXXX XXXX on XXXX18, but no action besides leaving a voice mail to call someone. If I call, after waiting for a while I have to listen to their lies. Also, I can not keep a document of what they are saying. But they would not respond in writing because their lies will be exposed. I have repeatedly asked them to close my account, please see attached. They did not close my account. I have asked for proof, no response. I have investment accounts with fidelity, I am removing them as they are no longer trusted and involved in improper business practice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached 2 FTC report with fraudulent unauthorized inquiries
Product: Debt collection

These items remain on my credit report. Per FCRA Law, these are supposed to be documents sent to me verifying that these items belong to me. I havent received anything from the companies listed on this document ; therefore I believe I am a victim of identity theft. You have four days to delete this item on this FTC Report. If you continue to disobey the law, I will use my rights to file a Civil Suit against you and the creditor for unlawful use of Metro 2 and the inability to verify items before placing them on my credit report. I have no contracts or have ever done any business with the creditors listed on this document. Either you have failed to properly verify these items before placing them, on my report, or someone is misusing their ability with Metro 2. I demand these items are removed during your investigation and stay removed thereafter as they are not mine. You have four days to delete upon receiving this document. I am sending priority mail so I will know when you get them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of ID theft and have submitted documentation to the credit bureaus and they are refusing to abide by FCRA 605B pertaining to my request. The original creditor - XXXX XXXX, has no proof other than statements, and I have constantly refuted this charge by submitting proof of my ID theft claim. 

I am reporting a complaint of the credit bureaus consistent harm to my financial efforts because they will not block the account on from my credit report as I have requested. I have been disputing this account for over a year and have decided to move forward with bringing my issue here.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance XXXX {$8800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that XXXX XXXX XXXX be removed from my credit file with all 3 credit bureaus. XXXX XXXX XXXX XXXX falsified my initial credit application to get me financed. This information has been submitted to XXXX XXXX XXXX as well. And also The FTC and my attorney. I am requesting investigation and immediate removal off my credit report the dealership falsified my records by changing my monthly income of XXXX to XXXX to get me financed. According to FCRA you can not report fraudulent inaccurate information to my credit file
Product: Credit reporting or other personal consumer reports

According TO PER USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER 15 USC 1681 C-2 PLEASE BLOCK AND REMOVE THE FILES. INQUIRES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PER 15USC 1681 I DIDNT AUTHORIZE THE REPORTING OFFICE ACCOUNTS UNDER15 USC 1681C-2 PLEASE BLOCK AND REMOVE
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX XXXX Account number : XXXX Inquiry XXXX XXXX XX/XX/2024 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting or other personal consumer reports

XXXX is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments XXXX claims are they were not my loan provider when reporting late payments and they will not remove them.
Product: Credit card or prepaid card

Over Billing and Extracting False and Excessive Fees, Breach in Billing Practices : XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} XX/XX/XXXX Return of Check Fee {$22.00} I NEVER made payments with a CHECK only online. The system kept refusing to allow auto payments even though the payment showed as accepted then days later the payment was refused and my account was charged {$22.00} Return of check when the payment was an online payment. There was no explanation for the payment to not go through because my bank account had more than enough money in it to pay the payment.

I have ALWAYS made my payments AHEAD of due date and paid " 3 '' times the minimum amount due!

Bank Statement XX/XX/XXXX - XX/XX/XXXX Charged {$250.00} for purchases that weren't purchases they were payments!

I called and spoke to 3 customer service representatives one of which was a manager and they all stated it is Citibank 's policy to charge a fee for setting of auto payments. I emailed the CEO XXXX XXXX in the month of XX/XX/XXXX and neither he nor any of his staff Ever responded.

.
Product: Credit card

I received an email welcoming me to my new Chime account. 
The next day I was told to keep an eye out for a credit card to arrive via mail. 
I tried calling the Chime customer service number but was unable to speak to a person for resolution.