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

I am having XXXX  XXXX on the XXXX of XXXX My doctor uses Care Credit . 24 mos. No interest. Went online and filled out the information, which consisted of my name, address, and amount of XXXX, SSN. I received Pending number XXXX. Several days passed I called the number XXXX XXXX XXXX. The person said I needed to go to Varify on my phone only because the camera would be used. Synchrony varify.syf.com I worked threw it, took a video of myself, then took a photo of my driver 's license front. I went to the back to it but could not get the picture. it kicked me out and Blocked me. I called the number XXXX the person I talked to said they got what they needed, just first front and back of the License plus photo and info. Then she said to wait a minute it just popped up on my computer you have been denied. I asked how could that be possible you didn't ask for any banking info or had time to check my credit. Her demeanor changed she said you will receive a letter in 7-10 days telling you why you have been denied. I asked to speak to a supervisor. No help just the same 7-10 days your letter will tell you why. I called my Doctor office They tried to help same answers. Their office called the Care Credit Rep. he was going to look into the problem. Never heard from him. Received a letter saying I needed to finish my application When I called got the same answer oops you have been denied. No one tried to help even when the doctors office called them same answer. I have a XXXX credit score just by myself for {$6600.00} dollars. I do beleive they saw my photo and age and they said not this one. I have paid my doctor and was unable to take advantage of the offer and not help to rectify the problem from Sychrony Bank. I would like to be reimbursed for lack of customer care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report are either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX XXXX Balance Owed : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX removed my discover credit card that is still open.
Product: Credit reporting or other personal consumer reports

Repeated failures to meet established deadlines and provide timely updates on the bureau 's handling of this investigation, including the most recent instance of missing the 30-day deadline outlined in your previous memo.
Product: Credit card or prepaid card

About 8 months ago XXXX XXXX  credit cards issued by BJs were taken over by Capital One. We paid XXXX {$900.00} ( which included {$700.00} plus recent charges ). 
We have spent the past XXXX  months trying to get credit for our payment. After XXXX attempts and numerous investigations by Capital One, we received a letter, dated XX/XX/2023 that the account had been credited. We have now received a letter dated XX/XX/2023 that we still owe the {$700.00}. We are attaching some of the supporting documentation.
Product: Debt collection

When I disputed with credit bureaus, they only responded that they are reporting the information that Credit Systems International is furnishing them. 
Credit Systems International is incorrectly reporting an account to the credit bureaus and has obviously ignored my letters and billing disputes. I have never had any negative accounts on my credit reports until this one and this account status is severely affecting my ability to be approved for credit - which is how I found out they are reporting this information in the first place. 

I have sent at least XXXX letters to XXXX and Credit Systems and have made numerous phone calls regarding the incorrect billing of my account. When I went in for XXXX, XXXX told me they were still on our insurance plan and I would be charged the same amount as I was for the previous XXXX. When I got the bill for approximately 4 times what I had been previously billed, I started making phone calls and sending letters. They eventually told me that they were not part of our insurance - even though before they did the xrays, they told me what I 'd be charged. This is very unfair. 

They finally accepted a payoff and agreed to remove the account from my credit reports when they received the payment. I also wrote on the back of the check that the amount was the final payment that we agreed on. 

They have violated several of my rights per FCBA Section 161 and FCRA Sections 616, 617, 621, and 623 : 1. They did not bill me as agreed. I immediately disputed this bill as soon as I received it, but they did not inform the credit bureaus of that when they first reported this account. Based on CFPB data, they have a pattern of billing incorrectly and not being able to validate what they 're billing for. 
2. They are reporting as a non-medical collection, when it should have been reported as a medical collection. I let them know this, they said they 'd correct it, but they did n't. XXXX, that refused to issue me credit is the one that informed me of this. 
3. They never told me they were going to report this to the credit bureaus. As far as I knew, they were still researching the amount I was charged. I only discovered they were reporting when I was denied credit. 
4. They agreed on a payoff and to remove the incorrect information from my credit reports, but still have not done so. 

The result I expect is for them to remove this incorrect reporting completely from all my credit reports, so that I do n't have to file a complaint with the FTC or a lawsuit. 

I 'm attaching a cancelled check as proof they agreed to remove this from my credit reports.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquires that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX XXXX XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Hello, I've disputed a few accounts, two from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Transunion has on multiple accounts, verified as accurate. The reason for my disputes is because XXXX XXXX, both accounts are reporting 2 120 day lates on both accounts. This is inaccurate. Its impossible to be 120 days late for two months. credit reports has to be 100 % accurate and the bureaus must investigate all disputes and they have not! Also XXXX  has reported I was in collections after 60 days and I was not.

Ill upload dates and disputes
Product: Checking or savings account

Marcus by goldman sachs has my high yield savings accounts. XXXX has my checking account. On a weekly basis, money was being withdrawn from my chase account and being sent to the Marcus account. Three separate checks were sent from chase to Marcus that were never deposited by Marcus. Two ( 2 ) checks in the amount of {$100.00} and one ( 1 ) in the amount of {$500.00}. So the total of {$700.00} was removed from my XXXX account and never deposited in my Marcus account. Further scheduled deposits, after these three checks were sent, were sent and received by Marcus so I filed a dispute. Marcus then withdrew two ( 2 ) checks in the amount of {$100.00} and one ( 1 ) in the amount of {$500.00} from my savings account and issued me a check. The check they issued me could not be cashed so I am now down the {$700.00} withdrawn from my chase account and {$700.00} withdrawn from my Marcus account. I made new accounts with Marcus and put locks that no further withdrawals should be made from my existing Marcus accounts. Further withdrawals were made and then my entire Marcus account has been locked. So now I am down {$1400.00} and can not log into my account to access any of the funds in my savings account. I called immediately when I found out my account is locked to find out why and how long and they said 7-10 business days. It's been over three weeks and they have not given me any updates about how to unlock my account and access my funds. They have all of my money and are not letting me access it despite the dispute only being about {$700.00}.
Product: Checking or savings account

On XX/XX/2022, I opened a new checking account with Citibank in response to a promotion being offered by the bank. The promotion promised a {$700.00} bonus for new customers who opened a checking account and deposited at least {$50000.00} into the account within 20 days. Additionally, customers are required to keep the money in the account for 60 days. 

When I opened the account over the phone, the Citibank representative took the account and routing numbers for a checking account I hold with another bank, and indicated that a withdrawal from that account in the amount of {$51000.00} would be made in time for me to qualify for the promotion. I had decided to deposit slightly higher than the required amount. 

Perhaps a week later, I noticed that the withdrawal had not been made. I called the new accounts department, where I was told the withdrawal was being processed and would be complete shortly. About a week passed, and the withdrawal had still not been made. I called new accounts again and was told the same storywait a few days and the withdrawal will be complete. 

On the morning of XX/XX/2022, when my account still showed a balance of {$0.00}, I called Citibank relations, and spoke with XXXX, a supervisor in that office. She told me the reason the {$51000.00} had not been withdrawn and deposited into my new Citibank account was that Citibank had not finished setting up the account. Further, XXXX indicated that the promotion might no longer be honored because the account was not funded within 20 days. This is the case, even though it was Citibank 's job to execute the withdrawal. 

I have closed my account with Citibank, but I still thought the bureau should know about my experience, and I appreciate the agency reaching out to the bank to investigate. I believe Citibanks actions raise questions of fraud and whether the bank is engaging in unfair and deceptive trade practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im in the process of terminating my contract with XXXX XXXX XXXX XXXX due to Misrepresentation and fraud. While my legal team is negotiating with XXXX, I stopped paying the monthly payments. They have been reporting on my credit and has put me in a position where I cant get credit for housing. I know there are thousands of families with the same problems. I hope this agency can get the negative reporting removed. Not only is the XXXX been a hardship, they sold me a fraudulent contract and the following misrepresentations. 

1- Lied about ease and availability for any and all units in the XXXX  family. We have never been able to book any XXXX  property using the service we paid. 

2- Promised us One on one service for booking our first visit, never had a callback from our salesperson after our initial meeting.

3- We were promised a period of stay at our " home '' property and were never able to use.

4- We were told the unit would earn value but when we tried to resolve with XXXX, they were only going to buy back at a seriously depreciated " title '' and additional fees. 

5. Paid then over XXXX and never used properties.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit reports that were not made by me. On XX/XX/XXXX  I sent a letter along with a FTC affidavit regarding another account and the request for the removal of the inquiries not made by me. 

They were not removed. Now I have recently mailed out with a return receipt a FTC affidavit package requesting again the removal of the inquiries on my credit file.
Product: Consumer Loan

I receieved a notification from my cred report about an increase in my auto loan. However, i paid ahead on my account for several months. I paid all my late fees off over s period of time. Now, Chase is saying I owe XXXX in fees. I have n't had a fee on my account for at least 8 months. Additionally, I been paying XXXX dollars extra monthly to take care of any out mstanding fee. I tried to call chase about the matter the representative on the phone tried to give me an excuse saying sometime they forget to put it on there. I explained to him I did n't believe that statement. Any other time it 's placed on the account 10 days after its due.
Product: Credit card or prepaid card

I am trying to close the account as the expiration date is nearing ( XX/XX/2022 ) and the webiste for the company and the phone numbers offered do not show an active account, however there are still funds on the card.
Product: Credit card or prepaid card

I applied for a Barclays XXXX XXXX XXXX credit card on XX/XX/XXXX. Barclays didnt approve my application due to me having a previous Barclays account which was discharged under XXXX XXXX Bankruptcy in the United States District Court District of Minnesota Bankruptcy Court on XX/XX/XXXX. I am trying to rebuild my credit and thats why I applied for the Barclays XXXX XXXX XXXX credit card. Barclays Bank is discriminating against me because I had the previous Barclays Bank account discharge in bankruptcy court. Barclays Bank has violated The Equal Credit Opportunities Act ( ECOA ) under federal law by discriminating against me and denying me credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

15 U.S.C 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: Vehicle loan or lease

Had a vehicle loan with Ally in early 2016 for a XXXX   XXXX. I entered bootcamp XX/XX/2016, prior to that had a billing issue with Ally which I was trying to correct with them. During the time I was in bootcamp, I received a letter from Ally notifying me of their intent to sell my vehicle, which they had repossessed over the {$250.00} billing issue. I have copies of the letter from Ally. In XXXX this year, I received a letter from Ally stating that the vehicle in question, had been " repossessed in error ''. They sold my vehicle and are billing me for the residual balance of the original loan. They sold my vehicle and repossessed in error and I should not owe them anything, they should owe me for the equity I had in the vehicle. I went to XXXX XXXX Assistance attorney who sent them a letter of representation and they have been avoiding sending the documentation he is requesting and not returning phone calls at all now. They have not sold this to collections, but the negative reporting is affecting my credit. I want this resolved and corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

I assumed a loan that my father had on his house after he passed away. After I assumed the loan the bills were coming as they were before i assumed the loan addressed to the Estate of XXXX and the principal amount on the bills were n't the amount that i agreed to. I was waiting for a bill to come in my name so I could make a payment. Three months after i signed the assumption papers the company sent a delinquent letter still addressed to the Estate of XXXX. I called them immideately and when they said the account was delinquent i made a {$14000.00} that day to bring the account current. I proceeded to call them multiple times to ask them to have the loan put in my name. The only thing that they changed was the principal amount until XX/XX/XXXX, that was when the bills started to come addressed to me. Then they report to the credit agencies saying that i was delinquent. They also sent 2 sets of XXXX tax papers to the house. One set addressed to the estate of XXXX for the payments XX/XX/XXXX through XX/XX/XXXX and the other set addressed to me for XX/XX/XXXX through XX/XX/XXXX. If i was fiscally responsible as they are saying for the months that were late then why does the estate have a XXXX at all? My issue with this company is that the way in which they are doing business is very misleading to their customers. It is their fault that i did n't make a payment because they never sent me a bill. Then they record to the XXXX credit agencies that everything is accurate As you can see there are many inconsistancies in which the are handling their business. In doing so they are affecting my life greatly because my credit has been impecable up to this point. I would like for this issue to be resolved and the company to be forced to communicate with their customers with precision so that this may never happen again
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

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