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

I was offerred 0 % interest for six months with Pay Pay Credit. I read all terms and conditions and called the company to find out how the promotion worked. I was assured so long as I paid in full by six months there would be no interest. Now I am getting interest charges despite it only being two months. I called the company and they said they were considering the transactions " cash advances '' even though I selected " paypal credit '' when paying for the goods or services. They referred me to several sections in their terms and conditions, none of which are easily determined to relate to the 0 % interest promotion. 

This is deceptive marketing and a deceptive promotion.
Product: Credit reporting or other personal consumer reports

Attached is original dispute w/ XXXX and a Police Report filled and approved by a law enforcement XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is currently attached to a loan that I did not agreed to or sign for. My signature is not on the promissory note they have on file. I filled out a Fraud packet with XXXX XXXX XXXX and they rejected it to stall the process. I have spent over 2500 hours of phone time with XXXX over the past 11 years and they still refuse to deal with the matter. XXXX XXXX XXXX is the originator of the loan. They took my information from an account I had with them and attached to a loan. They sold it to XXXX XXXX XXXX and now XXXX XXXX XXXX. I continue to have my credit affected and I need the matter resolved. This is my 12th CFPB Complaint about the matter and still nothing is done. I have contacted two state governors and two state AGs but they pass the buck to the CFPB.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX, SD XXXX Subject : Request for Investigation Regarding Credit Reporting Discrepancy Dear Sir/Madam, I am writing to formally request an investigation into a potential discrepancy in how my account with XXXX XXXX is being reported to the credit bureaus. On XX/XX/year>, I spoke with your representative, who confirmed that my account is reported to all three major credit bureaus ( XXXX, XXXX, and TransUnion ) on the XXXX of every month. However, I have evidence indicating that this account was previously deleted from my credit reports. 

Enclosed, I have included screenshots of my credit report showing the deletion of this account. I kindly ask that you : Investigate this matter thoroughly to determine why the account was deleted and whether it is being reported accurately. 
Provide me with a written explanation of the findings of your investigation. 
Ensure that all reporting is accurate, consistent, and in compliance with the Fair Credit Reporting Act ( FCRA ). 



Please respond to this request within 30 days, as required by law. If I do not receive a satisfactory response, I may escalate or pursue other legal remedies available to me. 

Thank you for your prompt attention to this matter. If you need any additional information or documentation, please feel free to contact me at the phone number or email address provided above. 

Sincerely,
Product: Credit reporting or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Debt collection

i contacted said collection agency. he threatened to have my license suspended and further court action if i didnt pay him XXXX at XXXX pm XXXX time
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 Experian 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 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 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 XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX, US Dept of Ed and DeptedXXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but they denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but they refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine
Product: Credit card

I sent a letter via US mail on or about XX/XX/2023 to the following mailing address : Card Services XXXX XXXX XXXX XXXX, DE XXXX This was a request to open a dispute for a transaction with XXXX made on XX/XX/2023 in the amount of {$220.00} I submitted this dispute within 30 days of the transaction. As of today, I have not received any correspondence regarding this dispute. I request that the full amount be credited back to my account and that all the interest charges accumulated over the time be credited as well.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts may have been added to my report without my consentplease block and remove them immediately.
Product: Credit card or prepaid card

I obtained a XXXX XXXX credit card managed by XXXX XXXX to purchase furniture for a new home. XXXX 's was offering a promotional 36 month Equal Payment No Interest program if you signed up for a XXXX credit card. I signed up for the program and purchased XXXX of furniture on XX/XX/XXXX. On XX/XX/XXXX I purchased an additional {$1800.00} of furniture however this promotion was 12 Months Deferred Interest. 
I began making the Total Minimum Payment due beginning on or about XX/XX/XXXX with the additional purchase of {$1800.00} added after XX/XX/XXXX. I paid the Total Minimum Payment which varied from $ XXXX/mo to $ XXXX/mo. 
This month I noticed that {$430.00} of interest had accrued in XX/XX/XXXX. I contacted Synchrony on or about XX/XX/XXXX to inquire about the interest charged. I was advised that my 12 Month Deferred Interest promotion had expired on XX/XX/XXXX. I accepted that at face value until I reviewed my contract documents and realized that I had in fact two promotional programs at the same time ; the 36 month Equal Payment No Interest program and the 12 Months Deferred Interest Program. 
I called XXXX XXXX Customer Service on XX/XX/XXXX and was advised that the interest charged was related to the expiration of the 12 Months Deferred Interest Program. My assumption was that the Total Minimum Payment I had been making was sufficient to payoff each of the balances in sufficient time to avoid any interest charges. In reality in the 12 months I reduced the {$1800.00} balance on the 12 Months Deferred Interest Program by only {$550.00} and I was being charged 29.99 % interest on a {$1200.00} balance. I asked for a Supervisor to discuss what I considered an unfair business practice and was advised that there was as statement on my bill prior to the expiration of the 12 Months Deferred Interest Program. There was a small notice located on the bill that contains significant extraneous information making it difficult for a consumer to separate the wheat fro the chaff. I was further advised that there was nothing they could do to reduce the interest fee. 
I have since paid the balance in full, {$3800.00} on XX/XX/XXXX since I'm concerned that additional unexpected charges would be applied. I am reaching out to the Consumer Finance Protection Bureau because I consider myself a savy consumer and feel duped by the way in which XXXX/Synchrony advertise these programs, manage and disclose on statements and resolve consumer concerns. It feels to me that Synchrony intentionally confuses consumers with the amount of information they include on their statements and the way in which they disclose how the programs operate. There was no way of knowing how much of my Total Minimum Payment was being applied to each program and therefore no way of knowing that I was at risk of having to pay a 29.99 % interest payment on an outstanding balance.
Product: Credit reporting or other personal consumer reports

I have never had a bank account with XXXX XXXX XXXX but according to my credit report it says i have and I owe {$200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last few months I have been searching for a home. I am XXXX & on a fixed income. I know how important my credit score is. I was on CHFA site looking through their 70 + approved lenders as Ive done many times. On the XX/XX/XXXX XXXX XXXX pulled my credit report. No name showed up for well over a week. When it did it had no information who they were. I had to research and find them. When I did, XXXX XXXX said that Guaranteed Rate had them pull my report. XXXX from XXXX XXXX said to remove it I had to get permission in writing from Guaranteed Rate. XXXX gave me their number. When I spoke to Guaranteed Rate they said their policy is I have to get it in writing from XXXX XXXX. I said that makes no sense. You ordered it. Theyre the 3rd party. Youre both saying the same thing thats ridiculous. He just kept saying thats his policy. He also said I probably clicked on one of the boxes that has really tiny writing next to it that gives them permission to run my credit ( anyone see whats wrong w/that but me? ). I said even after you all ran my credit no one from your company reached out to me as if you were providing me a service. I got no mortgage rates, no follow through, nothing. Why would I want to lower my credit score & waste my time that makes no sense for someone working to build up and buy a home.
Product: Credit card or prepaid card

Items are being reported inaccurately on my report. Please see attached.
Product: Debt collection

Account Resolution Services sent me a collection letter for a hospital visit from XX/XX/XXXX with XXXX XXXX XXXX XXXX. My insurance paid this bill on XX/XX/XXXX. ARS opened this account on XX/XX/XXXX. I have disputed this account as paid before going into collection ever since receiving the initial letter from ARS. Both ARS and the XXXX main credit bureaus have ignored me. I recently sent ARS a copy of the paid bill on XX/XX/XXXX. I have yet to receive a response from ARS. I have attached the paid bill.
Product: Checking or savings account

On XX/XX/XXXX my bank informed me that they were closing my accounts. I had just received two deposits two days before. I had several ach withdrawals which they let go through until the XXXX. I contacted them at least three times trying to get my funds withdrawn. I have three direct deposits going to that account. I'm a retired XXXX XXXX veteran. I've been associated with this bank since XXXX On the XXXX I was transferred to the complaints department and explained my situation. I told the rep XXXX XXXX ) that I just got out the hospital and had an XXXX due my XXXX. Told them this was a medical emergency. She said that the complaint was forwarded to another department and they would contact me in 24-48 hours. I called again at the 54 hour mark and they said that my case was pending. The biggest issue with this is they claim not to be doing business with me but they still have my account on " deposit only ''. My deposits keep going into the account ( {$11000.00} ). They said my account is closed and have give me 69 days before they can send my funds. Totally unacceptable. I have contact the Texas Attorney General 's complaint department and they sent a letter but it seems that they will not engage USAA.
Product: Debt collection

Company is contacting family members trying to get info even after ive requested proof of ownership.
Product: Credit card or prepaid card

i had a account with wells fargo and it is saying that there is a balance of {$920.00} and i have no idea where to pay this bill at and i feel like i shouldnt have to pay for an account or have it on my credit report if i have no knowledge of how to pay it
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INQUIRIES THAT I DID NOT AUTHORIZED I HAVE LATE PAYMENTS THAT ARE NOT CORRECT I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE
Product: Mortgage

As a result of COVID-19, my mortgage was under a mortgage forbearance program. At the end of the forbearance period, JPM Chase offered me a mortgage modification pursuant to which I was to make three ( 3 ) trial payments in order to qualify for the modified mortgage payments. I made the first of the three ( 3 ) trial payments, but was unable to make the second payment because my employer 's principal was hospitalized in XXXX and no other person is authorized to wire transfer my paycheck. 

I explained this unique situation to JPM Chase and requested I be given another opportunity to make the three ( 3 ) trial payments. A Chase representative called me one day to confirm I was making more money when I submitted the request for the " second chance '' than I was making when I first applied for a modification. I confirmed that I was making more money now. 

JPM Chase denied my request for a " second chance ''.
Product: Credit card

bank of america is insisting i set up a recurring payment of {$1200.00} per week to be paid out of my credit union checking account. i have no conscious recollection of having set up a recurring payment of {$1200.00} per week. they are deducting {$1200.00} a week from my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THAT I WAS NOT LATE ON THIS XXXX  & TRANSUNION HAS IT INCORRECTLY REPORTED IN MY CREDIT REPORT. 
You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU XXXX LAST CHANCE TO " CORRECT '' THIS ACCOUNT. 
XXXX XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

My Coinbase account was hacked onXX/XX/XXXX and I can't get Coinbase to respond except for initial email in which they said {$12000.00} was stolen and they informed me to open a new account and they would transfer my assets whatever is left into the newly created Coinbase account which I did as told and I informed Coinbase and still no response. I can't accurately report the crime with the police or FBi until I get transaction amounts that were stolen!!!!! I currently have no idea what I have left and Coinbase has offered virtually no help whatsoever!!! Im absolutely devastated and the company doesn't care!!!
Product: Payday loan, title loan, or personal loan

I have had a significant reduction in income since retirement inXX/XX/XXXX. I incurred debt while living in Maryland, before retiring, I arranged to repay {$230.00} until paid off. However, I have been informed that Social Security has canceled XX/XX/XXXX's payment and will revisit benefits for XX/XX/XXXX to determine if they should cancel XX/XX/XXXX's Social Security check because of cap on employment for XX/XX/XXXX.
Because of this huge reduction in income for XX/XX/XXXX and possibly XX/XX/XXXX, onXX/XX/XXXX, I contacted CashNetUSA via email ( collections department ) for assistance in either suspending payment of {$230.00} or reducing/recalculating payments thru the end of the year that occurs on the XXXX of each month. Original balance was {$1600.00}. Balance is {$360.00}.
CashNet is refusing to work with me, stating they can not recalculate/suspend/or rework payback period. I then told them that if they attempted to take XX/XX/XXXX 's payment, it would cause an NSF in my account, increasing my debt and causing further hardship.
Their final reply was : ( taken directly from email they sent me ) " We understand your situation and have noted your account.
We are unable to change, cancel, or alter any mutual payment arrangements or scheduled payment that has been established for your balance. If you are expecting the scheduled payment to return for insufficient funds, please contact us back as soon as possible to set up arrangements for the returning payment. '' I have saved all documented email conversations to CashNetUSA 's Collections Department.
I do n't think CashNet is handing my hardship situation in an equitable or fair manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

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  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX and UNSTOPPABLE XX/XX/XXXX. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting you this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. I have a loan with XXXX XXXX XXXX XXXX and XXXX I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information and I need you to correct them as soon as possible : XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$500.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$270.00} XXXX XXXX XXXX  Opened XXXX XXXX, XXXX Balance {$450.00}
Product: Debt collection

I feel this ( company XXXX is stalking on the same issue from another company in the same vicinity and I filed a complaint about Ref. # XXXX on XX/XX/XXXX. I think this is a deceitful business practice of both within a 30 day time period. 
I feel I am being abused with harassment and being stalked by these people. 
XXXX. XXXX XXXX XXXX XXXX XXXX. Resurgent Capital Services This paperwork showed up after filing complaints ( AG Office and CFPB XXXX and before the 1st company even answered. 
I am being threatened of my LIFE, LIBERTY, and PURSUIT of HAPPINESS ( only ALIVE )! 
I know this is a time-barred debt XXXX XXXX XXXX, it has not and does not exist ( from a divorce ). If any ever correspondence it was over several years ago, which ended and nothing until this stuff with COVID and the XXXX Stimulus from the US government. 
This is literally harassment of abuse from them and a deceitful business practice!
Product: Checking or savings account

on XX/XX/2023, Wells Fargo bank allowed an unauthorized charge of {$690.00} to be taken from my checking account. They have left me overdrawn by - {$350.00}. The charge was unauthorized and reported immediately. They have not issued a provisional credit and they are telling me to wait 10 business days for their investigation to complete. They should not have allowed this charge to go through as every other charge on my account now is going to face a fee and will be declined. They have declined smaller charges on my account for insufficient funds but yet they allowed an unauthorized charge when I did not have the funds. I was denied a request to speak with a supervisor in the fraud department to address this issue regarding why they allowed this charge to go through.