23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I've purchased a vehicle in XX/XX/XXXX and financed by Flagship Credit. My purchase included service contract for {$990.00} and additional warranty for {$3000.00}, but since my vehicle is a Certified vehicle with excellent warranty, I cancelled both contracts with XXXX XXXX. They sent the check to Flagship and both checks were cashed on XXXX. They credited my account {$990.00}, but but not {$3000.00}. When I called, was told to provide the letter from XXXX, which I provided on XX/XX/XXXX, nothing happened, so I called week later, and story changed, letter is not good enough, they need image of cancelled check, so XXXX sent it to me on XX/XX/XXXX, and I sent the information to Flagship. Than I was told it will take couple of days to verify, but nothing, it's been 2 weeks and no communication of the status, all I hear is I can't talk to accounting and I have to wait as Customer care do not have any information. I've been calling and emailing for almost a month now and I feel they are stalling or not looking into my request. This is no way to do business, if I'm late on my payment, I'm sure they will send notification right away. All I want is my money credited to the account.
Product: Checking or savings account

On XX/XX/XXXX I initiated a transfer of {$1000.00} from my XXXX XXXX checking account to my USAA checking account. By XX/XX/XXXX the transfer was completed. Around this same time frame, a person with my bank information, was initiating multiple deposits totaling {$2500.00} from my XXXX XXXX account. However, the only actual amount I ever had in my wells checking was {$1000.00}. At this point my USAA looked like it had {$3500.00}. Before the bank could verify that the {$3500.00} actually existed, the same person with my bank information was able to successfully XXXX themselves {$2500.00}. After USAA determined that the excess {$2500.00} actually did not exist, it resulted in my account being over drawn by a total amount of {$1000.00}. By XX/XX/XXXX I called USAA to explain the situation. However, they blamed me for someone else having my bank information even though I had explicitly said that I had never given out my bank information. They also would not rectify the situation by not doing the following ; failed to reimburse my account for the {$1000.00} I had deposited, failed to keep my account out of overdrawn status and failed to freeze to my account after this situation occurred. On XX/XX/XXXX another transfer out of my USAA was initiated for {$500.00}. At this point the account was overdrawn by {$1500.00} and they decided to close my account. More importantly, I believe USAA has not taken the proper steps to not only ensure my funds were kept safe but that my identify was kept safe as well. Shortly after this, my primary account with another bank was compromised.
Product: Credit card or prepaid card

In XXXX, I called the American Express Delta Skymiles automated phone service to determine how much I owed so I could pay off my account, which I had deactivated some time ago until I could finalize my balance. I was told my balance was XXXX I immediately made the payment for that amount through my account at XXXX XXXX XXXX  on XX/XX/XXXX. In my mind, I had paid off the account. Then, I get the attached bill for XXXX. I called American Express to complain, ultimately speaking with a supervisor named XXXX on XX/XX/XXXX. He explained the " trailing interest '' concept, which I find blatantly unfair if the bill has been paid in full. Shouldn't the balance I was quoted have incorporated any accumulated interest still owed? I really think consumer agencies should take a long, hard look at this concept as it relates to final payment true-up for a billed amount.
Product: Credit card or prepaid card

We purchased items from XXXX XXXX XXXX and took advantage of the offer of free financing for a period of years. This required us to get a branded XXXX XXXX XXXX credit card issued by XXXX XXXX. We immediately set up automatic bank drafts to make the required monthly payments. We even made the payments two weeks before the deadline. After the 1st payment was made, we received multiple phone calls from XXXX XXXX indicating we were late in payment. We ignored the first month 's phone calls thinking that they had made a mistake. We then made our 2nd required payment and despite that, received a new set of phone calls the next month. We then spoke with representatives at XXXX XXXX who advised that they had made a mistake and that our account was, in fact, current and up to date. They removed the interest fees and late charges that were incorrectly placed on our account at that time. A few months later, we started getting more calls about how we were late with payment again. Once again, we spoke with Synchrony 's customer service people and were told the messages were in error. 

In an attempt to stop this from happening again, we made two extra installments on the account so that even if their system did not reflect a payment from us ( despite us sending it to them at least a couple of days before it was due ), they would then apply one of those payments. Needless to say, that hasn't happened. 

Just last week, i received another notification from XXXX XXXX that our account is delinquent and that I owe all of these additional charges to include late fees and interest payments. I can provide you a record of all the payments that have been made to XXXX XXXX which will show how the bank has accepted all of these payments well before the payment deadline and in amounts greater than what was required. 

It is our opinion that Synchrony does not want us to pay the item off in the allotted time with no interest in that they will make much more money if the account is not paid on time. Clearly, there is fraudulent misrepresentations and intentional and material fraudulent accounting. Looking at other complaints on the Internet, this is clearly a pattern of fraudulent activity on behalf of Synchrony to illegally generate fraudulent fees and revenues from consumers who pay their bills on time.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two 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 ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; 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 or other personal consumer reports

Experian refuses to delete any information on my credit that was opened fraudulently with all the proof on earth they still wont delete but XXXX and XXXX has its ridiculous and quite frankly I wan na sue this company
Product: Debt collection

Keep calling people in my family that this debt has nothing to do with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple reports with Transunion requesting that they remove the account XXXX XXXX XXXX that is on my account. I have no knowledge of this account and under the law 15 USC 1681b I would have to give my consent for this to be reported to my consumer report. I have attempted several times to resolve this and transunion has not cooperated or complied with my request. I am submitting this report to the FTC, Consumer Finance Protection Bureau & XXXXXXXX XXXX XXXX XXXX  with legal action to follow.
Product: Debt collection

I had no idea this debt was outstanding. I have recieved no written or verbal comminucations from this company for years. In reviewing my credit file I came accross multiple accounts in collections through this entity. The amount range from $ XXXX {$100.00}. I had no idea they were still billing me and seemed strange all the different amounts. I decided to write them a letter with an offer to settle my accounts with them on XX/XX/2021 @ XXXX PST. The total of my balances are {$830.00}. and I offered to settle at {$0.00} on the dollar. My offer was {$250.00} and I promised to pay the settlement offer in full by XX/XX/2021 in exchange for a full removal and deletion of the consumer debt I owe if they chose to accept. I sent them the letter certified with tracking number # XXXX. I got confirmation that my letter was left with an individual on XX/XX/2021 @ XXXX.
Product: Checking or savings account

I had been with Chase bank for 9 years. Chase closed my account without informaing me. Why is this absolutly un accpetable? 
* Commone courtesy and customer service along with transparancy should be standard * I have XXXX kids and a stay at home wife and money is a daily requirment * Chase service line started treating me like I was a piece of XXXX and they stated they are not required to tell me why or when they closed my account??????? 

* They even said I couldn't get my money out of my account? They said they would mail it to me in 7 to  10 days. Really? My own money that is direct deposited into thier bank and they think its ok to hold my money. This kind of action should label them as the XXXX XXXX XXXX and the XXXX XXXX 's as being thieves. I want my money back as its over {$500.00} and my family needs it- this stupid game is not over but it starts with you- HELP
Product: Money transfer, virtual currency, or money service

As a XXXX person, I use XXXX XXXX as my phone number as it does not make sense for me to pay extra for a cell phone that includes voice ( a service I would not use ). Some financial providers both require a phone number that is linked to a cell provider ( e.g., XXXX, XXXX, XXXX. ) and will not accept a XXXX XXXX number. Recently, Paypal decided to stop accepting XXXX XXXX as a valid number and will no longer let me make purchases. They are requiring that I use a " valid '' phone number ( e.g., XXXX linked to XXXX, XXXX, XXXX. ). This discriminates against XXXX people who use a XXXX XXXX number as they do not have a need for a regular cell phone subscription.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a formal dispute letter to Experian via USPS certified mail ( tracking # XXXX ). In this letter, I requested an investigation into inaccuracies on my credit report, specifically regarding the Chapter XXXX Bankruptcy with reference number XXXX, which contains an incorrect court name and missing essential information. I also disputed several inaccuracies in my personal information listed on the report. According to USPS tracking, the letter was delivered to Experian on XX/XX/year>. I included all necessary identity verification documents, such as a government-issued ID, Social Security card , and proof of current address. Despite fulfilling these legal requirements, Experian has not responded with the investigation results. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now passed without any communication from them.
Product: Debt collection

I was a victim of identity theft. I contacted XXXX XXXXXXXX and they agreed to remove the debt. However, it is still being reported and sold to The Bureaus Collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had sent a letter to XXXX, XXXX  and Transunion about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.
Product: Debt collection

XXXX and American Medical Collection Agency has sent me multiple invoices/ bills that are not mine, are for services provided to a patient with a different name, who does not reside at my address or receive mail at my address, nor do I know the whereabouts or have contact information of said person. I 've not agreed to any services provided by XXXX and therefore am not responsible in any way for bills of said services. The bills have been sent to collection agencies multiple times. I 've contacted both the original creditor, XXXX XXXX as well as the collection agency American Medical Collection Agency to resolve the issue and request that I not be billed for services not provided to me and that I 've not agreed to pay. 

The bills continue to be billed in my name on a regular basis and continue to be reported to collections in my name. I continue to dispute the bills yet there is always another bill to dispute. This never ending cycle is frustrating as well as costs me time and money to continue to dispute on a regular basis. 

I ask that my information be removed from said patient records or files for billing purposes as I am not in any way liable for said bills. 

A written notice was sent to American Medical Collection Agency, pursuant to the Fair Debt Collection Practices Act, XXXX XXXX XXXX Sec XXXX ( b ) on XXXX XXXX, XXXX, XXXX XXXX, XXXX and another today, XXXX XXXX, XXXX to dispute said collections and ask they correct their records. I continue to receive the collection bills, with nothing changed. 

I 've attempted multipule times to contact XXXX XXXX directly to resolve the issue via phone at the XXXX Customer Service phone number listed on their bills. I 've not been successful in reaching a person to correct this issue, I get an automated system with no human who can or will help to correct. 

I 've mailed letters to each address listed on the XXXX XXXX bill, explaining that this is not my bill and that the patient receiving said services does not reside at my address, does not receive mail at my address and that I do not have information on the whereabouts or contact method of said person. 

I ask that I stop being billed by XXXX XXXX and that XXXX XXXX XXXX attempting to collect via a collection agency, unless they have proof that I am in anyway responsible for such charges and forward such information to me, which of neither has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed with Equifax an inaccurate collection account from a company called XXXX XXXX in the amount of {$3100.00} that came back verified on XX/XX/XXXX with no hard copy proof of evidence sent to me as I requested in my dispute letter. 

I never heard or done any business dealing with this collection agency. And I was also not given the right from this collection company before they reported this inaccurate collection account to validate this debt which is a violation of under the Fair Debt Collection Practices Act ( FDCPA ). 

I contacted Equifax on XX/XX/XXXX and spoke with Equifax Agent ( XXXX  / Agent # XXXX ) to get further details as to why my certified dispute letter with proof of written statement from the original creditor ( XXXX XXXX XXXX XXXX ) stating they have no affiliation or relationship with XXXX XXXX came back on XX/XX/XXXX with the results on my credit report as follow : " Account previously in dispute-Now resolved by data furnisher. '' The Equifax Agent stated that the reason for the decision was based on them sending an electronic verification code to XXXX XXXX to confirm or deny if the account was accurate or not. In which XXXX XXXX return an electronic code back that the account was accurate. He stated that although I did provide proof of communication from the original creditor ( XXXX XXXX XXXX XXXX ) via email communication ( see attachment ), I needed to provide a written statement on their official letterhead for this collection account to be removed.
Product: Credit reporting or other personal consumer reports

I am a documented victim of identity theft, and I have not authorized, opened, or benefited from the fraudulent accounts listed under my name. As required by federal law, including the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ( a ) ) and the Identity Theft and Assumption Deterrence Act, I demand the immediate removal and blocking of the fraudulent accounts from my credit file. Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) ( 15 U.S.C. 6801-6802 ), I have not given consent for my personal or financial information to be shared with any non-affiliated XXXX  party. The fraudulent accounts identified are : XXXX Transaction : XXXX XXXX  # XXXX : Balance : {$16000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX  XXXX/XXXX  # XXXX : XXXX XXXX {$670.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX Card Services : # XXXX : Balance : {$4000.00} : Date Fraud Begun : XX/XX/XXXX XXXX Transaction : XXXX XXXX  XXXX # XXXX : Balance : {$740.00} : Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit companies are not complying with their own policies in a timely manner In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX 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: Debt collection

I have requested that National Recovery Agency send me the original loan documents for the account they are trying to collect on. I don't recall this loan account. The alleged lender is XXXX XXXX. Upon researching them, they are not licensed to lend in the state of Indiana. This needs to be removed from my credit report ASAP. This is not a legal debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX  account number XXXX has violated my rights. 

Statue 15 U.S.C 1681 s. 602A. States, A consumer ( myself ) has the right to privacy.

Statue 15 U.S.C 1681 s. 604A. states, A consumer reporting agency can not furnish a report without the written instructions or concern from the consumer ( myself ). 

Trans Union and XXXX have violated my rights by furnishing my credit file with inaccurate information regarding account XXXX XXXX XXXX. I have verified that Discount does not exist with the listed lender or creditor. This account is fraudulent. I have disputed it several times in the past and it only comes back updated. I deserve the right to an accurate credit file. I have provided proof and documentation of an accuracies that violate my rights. Please remove this in accurate information from my credit file immediately.
Product: Debt collection

ERC placed an unknown debt on my credit report. They have sent no dunning letters that I have received at my address. I do not prefer to speak with Collection Agencies on the phone as I know they will violate my rights. this is unfair and illegal. The debt in question was more than likely discharged in a bankruptcy and without basic information how can I get the correct documentation to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account : XXXX XXXXXXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Mortgage

I scheduled a payment on XXXX  2023, as I always do and have done for the last XXXX years. The Wells Fargo system did not take the payment until XX/XX/XXXX, which resulted in a late fee of {$32.00}. I called the bank to try and straighten this issue out and they refused to accommodate me even though the payment was submitted timely.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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
Product: Credit card

I noticed a recurring transfer on my acct that I did not recognize on XX/XX/XXXX and reached out to American Express to dispute the transactions- the merchant had been charging me monthly since XX/XX/XXXX. They requested that I reach out to the merchant, and refused to open the dispute without me having done so. This is in violation of Reg Z, which does not require a consumer to reach out to the merchant for a billing dispute. When I separately reached out to the merchant ( because they refused to open the dispute ), the merchant did not pick up. I called AmEx to open the dispute and they tried to validate the merchant number I called and give me a different number for the merchant for me to call. Step after step they were blocking me from opening a dispute. Further, they then told me I was only eligible to dispute the most recent transaction. Again, another Reg Z violation because the rule is that you can dispute transactions 60 days from delivery of the statement, so I had at least 3 transactions eligible for dispute. I had to point this out to the agent, who got visibility frustrated and kept cutting me off ( trying to follow her incorrect procedures ). Only after I threatened the CFPB complaint did I get her to open a dispute on the 3 most recent transactions. She wouldn't even log my notice of error for the older transactions ( even if the outcome would have been non-payment/non-investigation by AmEx ). Overall, a poor experience and made me reconsider the long standing relationship I have with them.
Product: Credit reporting or other personal consumer reports

Please find ways to remove all negative accounts that are still in my credit report. I've already filed a complaint with the FTC for these accounts why so far there is no action.