23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am disputing the regular purchases balance of {$550.00} and quick cash balance of {$68.00} AND my promotional balance@3.99 % because the interest increased when the balance decreased! ( {$13.00} on {$4100.00} and {$14.00} on {$4000.00} ). Here 's why. On XXXX/XXXX/XXXX two calls were made by my mother XXXX XXXX, to Synchrony bank. First to rify /again that all payments over the minimum payment could/would be applied to regular/cash purchases. The second call requested, and XXXX verbally confirmed, that everything paid ( {$410.00} ) over {$66.00} ( {$340.00} ) could and would be applied to regular and pay off the cash purchases balance. 
It was n't. During a 2 hour phone call to XXXX on XXXX/XXXX/XXXX, who claimed to be a supervisor but was n't, XXXX was told {$100.00} ( Misc Adjustment ) was a charge along with a cash advance PayPal purchase of {$150.00} which was not true. XXXX argued the charges were legitimate and the {$260.00} cash payment listed with them did not XXXX out the charges and prevent correct allocation. XXXX was put on hold numerous times while XXXX contacted superiors and the accounting department. Finally XXXX said the {$100.00} was the amount credited to the regular/cash balances and {$150.00} needed to be reallocated/credited. No one understood the charges XXXX out the {$260.00} payment -- OR that a portion of the {$150.00} INCREASED the cash advance balance which INCREASED interest charges and decreased my promotional 3.99 % balance. Eventually XXXX asked XXXX what the regular/cash balances should total and she gave an estimate. XXXX said the account would be corrected in 3 to 5 days. 
On XXXX/XXXX/XXXX XXXX called and XXXX said she was a supervisor with the authority to act. After ten minutes XXXX insisted on speaking to a real supervisor. After a long wait XXXX answered and said she was a manager. XXXX insisted on speaking to me ( XXXX XXXX ), at my request, because of an identity theft incident years ago. I 've made multiple calls since then, and been assured at the conclusion of each call, that XXXX XXXX would be listed on my account PERMENANTELY to speak on my behalf -- my mother can verify my identity. XXXX spoke to my mother about the account without insisting on further verification, and told my mother the account would be corrected by the accounting department but was n't. This phone call was approximately 45 minutes. I contacted XXXX by phone as she requested but she did n't return my call as promised. If XXXX/Synchrony Bank needs more verification to correct mistakes ( because a thief would spent countless hours arguing on my behalf ) you 'll have to reach me by e-mail as I told XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I noticed some incorrect accounts appearing on my credit report, and I have no idea how they got there. I check my credit report regularly, but this time, unexpected discrepancies showed up. I even refreshed my browser to see if it was a temporary glitch, but the errors remained. Given this issue, I request that the documents I have provided be carefully reviewed so that I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX is fraudulently reporting balances and late payments to the credit bureaus even though I have paid this account in full several months ago. I have contacted the credit bureaus repeatedly to inform them that the account was paid in full several months ago and the company is a predatory lender that has been reported to the Federal Trade Commission Fraud Section. The credit bureaus are reporting a balance of {$640.00} when the original loan was {$400.00} which I paid in full several months. It is a fraudulent account
Product: Credit reporting or other personal consumer reports

XXXX is reporting incorrect personal information on my credit report I have asked them several times to correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has compromised my security & information, putting me and 209,000 other people at risk by allowing access to important information. It happened around mid-XX/XX/XXXX to XX/XX/XXXX. 

I am listed as a potential victim on XXXX. 

I would like a resolution.
Product: Credit card or prepaid card

XXXX XXXX may not understand the requirements under Unfair, Deceptive, or abusive Acts or Practices ( UDAAP ). According to UDAAP, the representation, omission, or practice is likely to mislead consumers is a requirement that should be reviewed when marketing credit offers to customers. 

They currently are marketing an offer to consumers that is very DECEPTIVE. They replied to complaint XXXX and said they will update the marketing material but are not honoring the current offer. They may want to consult with their legal team. The proximity, placement, positioning and prominence of the attached offer provides 15 % off when you use the XXXX XXXX Credit Card and below the offer clearly states plus get either 6,12,18 months of financing Or choose revolving credit & 20 % Off your entire first purchase. 

Isnt it illegal to offer consumers ( violation of UDAAP ) offers that the bank will not honor? How is sending me a {$100.00} gift card correct this problem? How does XXXX XXXX correct internal issues as required by regulators? According to the OCC, banks are required to have a corrections/remediations process where they can correct issues such as misrepresentation of information that could lead to customer harm. XXXX XXXX doesnt seem to have an effective corrections/remediatoins program in place. They are refusing to honor a marketing offer and have admitted to the issue by being willing to update their marketing material.

I am once again requesting XXXX XXXX to honor their offer of 15 % off when I use the card Plus get 20 % off for my first purchase. A civil suit will follow if this isnt resolved and I will begin to socialize this faulty marketing offer via the various social media channels to ensure other consumers are not negatively impacted.
Product: Credit card or prepaid card

I had an unauthorized transaction on a business credit card with Chase. I contacted them about the fraudulent charge of {$50.00} ( XXXX XXXX XXXX XXXX Pre-paid Phone ) and they have given me every difficulty in having the charge removed from my bill. I am appalled at their behavior and have never been treated this way when disputing a charge on a credit card before. I have used the card to charge in excess of {$20000.00} of products and services for my business and they have refused to remove a {$50.00} charge because the vendor XXXX XXXX XXXX had " proof '' that someone named " XXXX '' said they had authorization to charge my card for the phone.
Product: Credit reporting or other personal consumer reports

XXXX Incorrect information was never updated on my Transunion credit report in direct violation of FCRA rules and my rights as a consumer. 

As of today Transunion keeps validating charge off as XXXX being paid monthly and this is incorrect. Several calls to request 1099c for the charged off amount have gone unanswered, on XX/XX/24 I called to request settle despite repeated violations to my fcra rights.
Product: Checking or savings account

Closed checking account have private and public sides, after when public side account closed, private side still exist for another three years with a funds what is on my name, I try to used them, but two checks was processed as EFT, but rest of another checks was processed by the banks as ACH, and was revised because processed on public side not on private side, I called to the banks customer service, never met understanding of matter, manager in TD Bank also, very confusing manner responded, I sent certify letter to CEO of the bank, he never respond back, all mail going through computer system process. I need to know, is it Bank try to still my money.
Product: Credit reporting or other personal consumer reports

This is my first attempt to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$630.00} XXXX XXXX XXXX XXXX  XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX  XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed fraudulent activity.
Product: Debt collection

on XXXX I reached out to XXXX XXXX XXXX XXXX because I found out I was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I read in XXXX XXXX XXXX XXXX policy they were supposed to freeze my account until I XXXX XXXX XXXX XXXX XXXX. Know this I went to the XXXX XXXX XXXX XXXX and I was told to send proof of my orders to the email they gave me which was XXXX XXXX XXXX XXXX and I never got a response in which I thought my service would be ok. However as soon as XXXX XXXX XXXX, I got a billing statement saying I owed {$3000.00} which should not be the case since my account was supposed to be frozen.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding a fraudulent Goldman Sachs account ( Account XXXX : XXXX ) that has been improperly reinserted into my credit report by XXXX without providing hard proof of my ownership of the account. This account was previously removed following my initial dispute, as it was deemed fraudulent and associated with identity theft stemming from the XXXX XXXXXXXX Data Breach. 
When I disputed the account, XXXX and Goldman Sachs Bank failed to provide the required documentation under the Fair Credit Reporting Act ( FCRA ) to verify that the account belongs to me. Specifically : XXXX. No Hard Proof Provided : Neither XXXX nor Goldman Sachs has provided signed account applications, transaction records, or any documentation proving my connection to this account. 
XXXX. Reinsertion Without Certification : The account was reinserted into my credit report without certification of its accuracy by the furnisher, as required under FCRA Section 611 ( a ) ( 5 ) ( B ). 
XXXX. Failure to Block Fraudulent Accounts : I submitted a valid identity theft report, yet XXXX has failed to block this account from my credit report as required under FCRA Section 605B. 
This reinsertion is not only a violation of the FCRA but also contravenes XXXX XXXX reporting standards, including Base Segment Field Codes XXXX ( Compliance Condition Code ) and XXXX ( Consumer Information Indicator ). 
Resolution Requested : XXXX. I demand the immediate and permanent removal of the fraudulent Goldman Sachs account from my credit report. 
XXXX. I request a written explanation from XXXX and Goldman Sachs detailing why this account was reinserted and what proof was used to validate the account. 
XXXX. I expect confirmation that this account will not be reinserted unless fully compliant with FCRA and XXXX XXXX guidelines. 
Supporting Information : I am a victim of identity theft from the XXXX  XXXX Data Breach. 
I have provided sufficient documentation, including a police report and prior dispute letters, demonstrating the fraudulent nature of this account. 
Impact : This fraudulent account has negatively impacted my credit report and caused unnecessary stress. The reinsertion of this account violates my rights under federal law and further perpetuates the harm caused by identity theft.
Product: Debt collection

as of XX/XX/2018 {$1900.00} was paid to XXXX XXXX XXXX. THE COLLECTION COMPANY WAS TAKING OUT {$130.00} A MONTH AND STOPPED. THERE WAS NO COMMUNICATION. RECEIVED A CREDIT REPORT AND THE REPORTED THAT {$2300.00} WAS OWED ON MY CREDIT REPORT. THE BALANCE IS {$1300.00}. I CALLED THE COLLECTION AGENCY AND THEY STATED THEY DID NOT KNOW HOW THAT ACCOUNT OR AMOUNT GOT ON MY CREDIT. I REQUESTED THAT THEY REMOVE THE INCORRECT REPORTING AND THEY STATED ONLY IF I PAID THE BALANCE IN FULL. I ADVISED THAT THE AMOUNT IS INCORRECT AND THEY STILL REFUSE TO UPDATE THE INFORMATION CORRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed on the credit bureaus website the wrong addresses and nothing has been changed or updated. An account is also being reported as late on XXXX and it already has been paid and closed
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following items : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$430.00}
Product: Checking or savings account

On XX/XX/2023 i noticed a balance of {$0.00} on my mom 's savings account. On XX/XX/2023 spoke with XXXX and XXXX at Wells Fargo Bank was told that a judge has signed off to withdraw the money from account. I tried to explain that it was my mothers account my name is on the account because she's XXXX yrs old. I was told the account was turned over to XXXX XXXX XXXX case # XXXX. I spoke with XXXX ( XXXX ) XXXX XXXX who informed me it's XXXX credit card who turned it over to collections who sold it to XXXX XXXX XXXX. I was asked to send the 2 most recent statements to XXXX which i emailed statements on XX/XX/2023. I called again to XXXX XXXX XXXX and spoke with XXXX XXXX gave her SS # and bank statements. I was to the funds would be put back in the account. On XX/XX/2023 called XXXX XXXX XXXX and spoke with XXXX who asked for bank statements which she would forward to XXXX who was the initial person i spoke with. I sent the bank statements, as of today the funds have not beenreturned to the account. On XX/XX/2023 i received an email from Wells Fargo Bank letting me know the account XXXX was closed XXXX XX/XX/2023 and could be viewed for the next 90 days. I never signed for anyone to remove the money from the savings account. I wouldn't be complaining but this has caused a lot of anxiety to me and my mom. My mom even cancelled her appointment to the oncologist because there are no extra funds. I would appreciate any help or advice you can give me. We are both on SS and could use your expertise. 

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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX  Bankruptcy XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXXXX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

Phoenix Financial Services is attempting to collect a debt not owed. The information as to where the debt is from is false, and the incessant phone calls from different numbers and verbal abuse from collecting agents has bordered on harassment.
Product: Money transfer, virtual currency, or money service

Yesterday I attempted to transfer money using Western Union to a  company in XXXX to purchase scientific software. After going through their on-line procedure and providing the information money transfer services usually require, Western Union asked for the username and PASSWORD of my personal BANK account. Please understand I'm not confusing them asking for my Western Union account password - I was inside their system already when this occurred - they asked for my banking password. I feel the need to report this because no company or person EVER legitimately asks for the access password to a customer 's bank account. If someone at their company obtained that password, they could withdraw all of my money, manipulate my mortgage, bank loans, credit cards and so forth. And of course, the consequences of such a company being hacked are gigantic. This is a totally illegitimate business practice which surely must be illegal and I am attempting to notify the government of its existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account ending 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. 

Currenly my credit reports from XXXX XXXX and equifax are are showing late payments under the XXXX XXXX Account ending XXXX. I contacted XXXX XXXX and informed them multiple times this is inappopriate use, and I have also sent them Legal information to show my rights are being violated per the Fair Credit and Reporting Act. XXXX XXXX has challenged my views and re-reported mulitple times to the credit bureaus these alleged late payments
Product: Vehicle loan or lease

I purchased a new Honda vehicle in XXXX of 2019. I took an auto loan from the American Honda Finance Company. I just recently traded that vehicle in and was surprised to learn that there was no record of my auto loan being reported to any of the credit bureaus. I was also told that I would not be able to take a loan from them again because of a delinquent payment.

I never was late on paying my loan though. During the COVID-19 pandemic I had deferred one month of payments due to the loss of my job. They told me that they considered that a delinquent payment.

I have called and requested that this loan be reported to the credit bureaus. I had 4 years of on time payments ( minus the covid 19 deferment ). The person I spoke too said they would need to talk to their supervisor and would call me back with an update. I never received a call back or any other information regarding my request. The loan is not reported to any of the credit bureaus.
Product: Mortgage

This is not a duplicate complaint but is related to According to the Hamp modification the lender is allowed to add etc. they are also required to credit unapplied payments. 

I paid XXXX payments to two other servicers I believe XXXX XXXX just made me pay again. Less XXXX escrow to XXXX XXXX  Both of these loans were at XXXX and I believe they were both included in a XXXX refinance with XXXX XXXX. But because this was done without my knowledge or consent I continued to pay for a va loan eventually transferred to XXXX XXXX  {$260000.00} was a payoff XXXX  made to first XXXX  for a loan paid off twice.but this first XXXX  loan was for XXXX. But when it released it had already been foreclosed for a loan that was never in default I had however paid off the XXXX loan ( after 345 monthly payments and {$1600.00} final balance ) XXXX XXXX for XXXX XXXX and XXXX for XXXX XXXX XXXX. 

I found a XXXX release for a property I paid off in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Account Name : DEPT OF EDXXXX Account # : XXXX I recently received a copy of my credit report and I noticed youre furnishing an account on my consumer report that should not be on there. I demand the below account/s be deleted from my consumer report : Account Name : DEPT OF ED/XXXX Account # : XXXX and all associated accounts. 

The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.

Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report.
Product: Credit card

Can the bank charge you the new interest rate on an old charge that was subject to the old rate?