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

I the fall of XXXX, I took out a PC Richards Credit Card through Synchrony Bank ( CT ) at a PC Richards location in XXXX, XXXX. I was told of the promotional interest rate and that there was NO interest for XXXX years. I was then told that interest would begin accruing AFTER the XXXX year period. I paid the minimum payment or more each month and kicked in an extra {$1500.00} payment in the fall of XXXX to get my payment down to {$1500.00} ( as of XX/XX/XXXX ). In XX/XX/XXXX, Synchrony added a {$1300.00} " interest charge '' on to that amount, bringing my new total owed to {$2700.00}. This constitutes an XXXX XXXX interest rate on my balance. 

This is outrageous and clearly constitutes predatory lending. In no way, at ANY time did I ever agree to such a rate, nor would I under any circumstances. 

I have attempted to work through this issue with Synchrony Bank and they insist that I agreed to terms of " differed interest '', a term which I never agreed to or heard at the time of application and purchase. I was told the interest would " kick in '' after the promotional period, which I understood to mean that I would have to pay XXXX XXXX on the remaining BALANCE owed at that time. 

What Synchrony Bank has done is charge me XXXX XXXX interest on the ORIGINAL balance even after I have paid down that balance by approximately {$3300.00}. They are essentially assessing a massive fee, the likes of which was never disclosed to me at the time I took out the card at the store. 

I fully understand that I owe interest on my balance. But I should not have to pay interest on money I have already paid back. That is not right and it certainly is not what I signed up for. 

I was on my way to having this balance paid off and paid faithfully on the account only to have the amount owed nearly double in XXXX month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experion refuses to post my correct address or any recent cerit information, Leaving me with a empty credit report I have lived at the same address for 25 + years but no mention of it. 
My creditors claim they report Regularly but experion will not acknowledge nor post the information. 
They will not give a method to correct what ever error exsist. 
On the contrary, they claim no error is present.
Product: Credit reporting or other personal consumer reports

Information is illegally reporting on my consumer report 15 USC 6801. Protection of non public information and the obligation to respect my privacy and confidentiality. And usc 1681b Permissable Purpose. Permission was not given to use this information. 1681a2 Exclusion, consumer reports exclude transaction history. Acts. XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX , XXXX XXXX XXXX . Inquiries where no credit was extended XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX. No credit extended and no permission given. And no proof from the reporting agency that permission was given after several requests for proof.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX : XXXX XXXX XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX Validation Dear, XXXX XXXX of the XXXX I am writing regarding a notice I received concerning an alleged debt in the amount of {$120.00} associated with my account number. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I respectfully request that you provide full validation of this debt. 

Please supply the following information : 1. The name and address of the original creditor.

2. A detailed accounting of the alleged debt, including the amount and how it was calculated.

3. Copies of any agreement that you claim I have signed or that shows I am obligated to pay this debt.

4. Verification of your legal right to collect this debt on behalf of the original creditor.

While this information is being investigated and verified, I request that you cease any and all collection activities related to this matter. Additionally, please do not report this debt to any credit reporting agency until it has been properly validated.

I would appreciate your prompt attention to this matter and request that you respond within 30 days, as required by law. Failure to provide adequate validation of this debt will result in my exercising my rights under the FDCPA to dispute this debt. 

Thank you for your attention to this request. Please send your response to the address listed above. Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX Chase Credit Card. 

I started a 0 % interest balance transfer. Everything was fine and I never planned on using the credit card. Then I got an offer for a {$300.00} credit if I spent {$1000.00}. My 6 month vehicle insurance bill was coming up, so I charged that to the new card and received the {$300.00} credit. Now Chase is telling me that XXXX cant pay off the credit card purchase balance without paying off the entire balance transfer in full. 

This is against the Credit Card Act of 2009, Section 104.

Chase is essentially forcing me to pay interest by holding a balance on the credit card that I cant touch. And they used an advertisement/promotion to lure me into a trap that I can not escape.

I have paid enough to where I should not have any interest, but the payments do not get applied correctly. This is a scam.
Product: Credit reporting or other personal consumer reports

Ex-Husband opened Discover Financial card in my name without my knowledge or consent in the amount of {$14000.00}. This was brought to my knowledge after reviewing my credit report. I immediately called Discover and had the card in his hand turned off and asked for transaction history-there was only one transaction and it was a balance transfer from his XXXXXXXX XXXX XXXX XXXX. Ex-Husband admitted this was his balance in court and the Judge ordered him to pay this ( court document was provided to Discover and their lawyer ( collection company ) XXXX XXXX XXXX XXXX He also went to XXXX shortly after serving life for many reasons-one including held in contempt to not following judge 's orders. I disputed this on all credit bureaus which include XXXX etc. I even kept in touch with XXXX XXXX XXXXXXXX and Discover at the same time in XXXX of 2023 and called ever 2 weeks, provided them judge documentation and a case number with the police department when I reported it fraud because this needed to be deleted off my credit report. The denied my fraud claim and said after 90 the investigation showed I would still be held responsible for this amount even after all the documentation that I provided.
Product: Credit card

I have a capital one credit card and I was late with one payment. I called and explained my situation to a customer service representative and asked for a goodwill adjustment since I was only late the one time. She informed me that she would dispute the late payment on her end and suggested that I dispute it with the XXXX credit bureaus myself. After disputing the late payment I called capital one back and was told that it was approved and that the late fees would be refunded. The credit bureaus removed the late payment from my credit reports. I then received a letter stating that they report to the credit bureaus accurate information and that they can not change their reporting on a courtesy basis. They also said they they have placed a disagreement code with a resolution of dispute on my credit file to the major credit reporting agencies. I called and spoke with a supervisor and he told me that the customer service rep should n't have put in a dispute on my behalf and that is why they sent the letter. This will affect my credit and I requested that capital one remove the code and follow through with what they originally said to me. The supervisor told me that he will not remove the code and I feel that it is unfair that this company can put in a dispute on my behalf only to turn around and put a code on my credit report. I am requesting that this code be removed from my credit reports due to them disputing it on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of my personal information has been potentially compromised in the recent breach of Equifax. I feel threatened and unsafe. I am having to implement more security measures than I ever thought I would need.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX Credit Bureau XXXX, I am letting you know about an issue I have noticed in my credit report. Unfortunately, I have been a victim of identity theft and fraud, and as a result, I have been involved in three data breaches so far. I have been working with your team and other organizations to rectify my credit reports and other information. However, I have recently noticed that the fraudulent account belonging to XXXX XXXX XXXX XXXX has reappeared on my credit report, even though it was previously removed. 

I want to emphasize that this account and balance do not belong to me, and I have already taken the necessary steps to remove them from my credit report. I would appreciate it if you addressed this issue as soon as possible.

Thank you for your attention to this matter. 

Sincerely, 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
Product: Debt collection

First The Government, toke my taxes returns, in XX/XX/XXXX and paid the debt that I did owe off, Now I am receiving a letters from Company call Transworld Inc to my home address from a third party linking my information out such as my home address Name Credit information. This company is asking for more money off the debt I paid off and with an XXXX dollar more interest on the amount I paid in XX/XX/XXXX, saying its from Interest. The company I owed a debt too was paid off in XX/XX/XXXX. Currently showing close and paid. Now a Transworld Systems Inc is trying to get more money out of me. This is crazy I changed job and my information was stolen from my current job, We all received a letter telling us our identity has been stolen. This has to stop!
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and my personal information has been compromised. As a result, fraudulent accounts have been opened in my name. I am requesting that all accounts listed below be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

The following account was opened fraudulently and should be removed immediately : XXXXXXXX XXXX Account Number : XXXX ( partially redacted for security purposes ) Date Opened : XX/XX/year> Amount : {$1900.00}
Product: Mortgage

My name is XXXX XXXX. I purchased a property in XXXX XXXX LA XX/XX/2023. I am stationed and currently XXXX XXXX. I got denied by my lenders about applying for the XXXX benefits. Turns out there is a difference between XXXX  XXXX and federal XXXX. They denied me and now XXXX stuck with a mortgage payment with a XXXX  % interest rate. Can you help me out?
Product: Debt collection

I wish that you are doing well as I write this. I'm writing to let you know of an issue with my account 's reporting of late payments. I found that there are late payment entries on my account that have lowered my credit score after looking over my most recent credit report. 

I understand the importance of accurate reporting, and I am committed to maintaining a positive credit history. However, I believe there may be errors in the reporting of late payments on my account. I am specifically referring to the following details : CAPITAL ONE XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or CAPITAL ONE customer service. XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please correct or remove this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

After carefully examining my financial records, I have found that these late payments are either inaccurately reported or were submitted in error. I kindly request that you review my account and, if appropriate, remove the mentioned late payments from my account history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to contact this company by the name of Elan Financial. They claim to have a credit file on me, however I have absolutely no knowledge of this company. Also, I have never given this company permission to use any of my personal information. Any personal information that this company have has been obtained illegally. This companies address is XXXX XXXX XXXX XXXX XXXX, MO XXXX. I don't even live here or have ever traveled to this state. 

I have contacted this company numerous times to validate the account that they have on file with me and they refused to talk to me. I contacted this company on XXXX. I want this removed off of my credit imediately.
Product: Credit card

Good Morning/Afternoon, I have a credit card with Chase bank. For the past year I have been trying to increase the automatic payment amount being drafted, however it has been impossible because Chase only provides XXXX options for automatic payment : the minimum amount of {$25.00} or the account balance. They do not offer an option where the customer can enter a desired amount -- amount higher than the minimum payment. This is a deliberate effort on their part to discourage consumers from paying off their debt sooner. It 's very inconvenient because I physically have to walk into a branch to make additional payments. All of my other credit cards/banks have the option to enter a desired amount. Is this legal? Please advise. 
Thanks for your time. 
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX  XXXX XXXX I believe is not being reported correctly on my credit report. XX/XX/2021, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. ( See Attached ). After not hearing from them for more than XXXX days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, along with my incident report, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Credit card or prepaid card

XXXX XXXX- attempted to apply for credit card at Kohls in XXXX , Texas . The cashier would not allow me to directly enter the information. She requested my Social Security number and income information out loud in front of other patrons. She then declared that I could not get a card. When I asked what could be done, she asked a nearby cashier out loud about my denial in front of other patrons. I called the 1800 number to appeal and the individual said they could not help me. I recieved a denial letter that contains false information about my credit which is perfect.
Product: Credit reporting or other personal consumer reports

I checked my credit file today and saw items that were investigated by TransUnion and removed reappear on my credit file. ( Account XXXX : XXXX XXXX XXXX {$430.00} ) ( Account XXXX : XXXX XXXX XXXX {$510.00} ) ( Account XXXX : XXXX {$250.00} ) ( Account XXXX : Capital XXXX -Deleted as a collection but showing as a charge off reporting late payments, and ( XXXX XXXX ) This is inaccurate information. These were investigated by both XXXX and XXXX, and they came back with the same result. I have had to go back and forth with TransUnion as if I am bothering them for trying to get help on this. I am once again attaching supporting documents. I have been a victim of Identity theft and I am being victimized again by Transunion. I have been very ill this past few years and going through this back and forth with TransUnion is taking a toll on my health. I am just asking that this be completed The information listed, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I soldthe vehicle associated with the XXXX XXXX XXXX XXXX This account is reporting a late payment for themonth of XXXX and XX/XX/XXXX and then closed on XXXX XXXX. This is inaccurateand false. I sold this truck as is to XXXX XXXX and signed all of the legal documents generated by XXXXthrough their communication with XXXX XXXX. As of XX/XX/XXXX I no longer owned the truck or had access to it. Per thecontract that I was obligated to sign, XXXX Bankverified all information with XXXX. XXXXXXXX XXXX XXXX representative 's name is XXXX XXXX per thecontract I signed with XXXX. As of XX/XX/XXXX XXXX XXXX held the title. The XX/XX/XXXX and XX/XX/XXXX late reported on this account are inaccurate and false because the vehiclewas legally sold to the dealership who was in communication with XXXX XXXX. I was not obligated to make any furtherpayments to XXXXXXXX XXXX for XXXX and beyond based on XXXX XXXX XXXX  and XXXX XXXX communication. The derogatory payments reported should be removed from my public consumer file in accordance with the FCRA. See contract attached.
Product: Debt collection

On XX/XX/XXXX, I called to request validation of the debt owed to my address because the company said they were filing a lawsuit against me and the request was denied. On XX/XX/XXXX, I called again and requested validation again but the request was denied.
Product: Mortgage

I applied to have my my mortgage modified in XX/XX/2019. I have sent all my documentation, tax returns, bank statements, P & Ls, deeds, leases, and more and still do not have an answer on the modification 8 months later. 

I feel the ACT the president approved was to give us the ability to modify our loans to make them more affordable, but Select Portfolio Servicing isn't affording me that right. They have every single document they need, and they just keep requesting updated documents because another month has passed prior to them getting around to looking at the docs I send. It is a never ending hamster wheel and I feel I am getting the run around, and that they have no interest in helping me. 

They call me and ask the very same question month after month, and I ask continually if i can speak with the underwriter to ensure they understand what they are needing clarification on constantly, and I am denied every time. 

I feel there should be a time frame that my request should be handled in to ensure timely processing, but over 8 months later and I am no closer to a modification than when I started. They do not care that it has been so long. I have asked that it be escalated to someone to roll up their sleeves and help me and put an end to my misery but they don't offer that type of assistance.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, LA XXXX sold a XXXX XXXX XXXX to myself with a co-signer XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, they claim that I would have to sign a NEW CONTRACT and a NEW PROMISSORY NOTE ( # 2 ). We both resign the contract and I noticed that the original creditor never signed to contract anywhere. I tried to endorse the NOTE " Pay to the Order of the United States of America without Recourse '' originally but the resign was all electronic so i was not able to make the endorsement of the NOTE as I am the MAKER and Owner of the NOTE. The account was sold to CREDIT ACCEPTANCE CORP. I sent DEBT VALIDATION DOCUMENTS demanding that they validate the DEBT and they have failed to do so to this date. The COLLECTION AGENCY admitted that they didn't HAVE THE ORIGINAL PROMISSORY NOTE and I concluded that they do not have the RIGHTS or STANDING to collect the debt. On XX/XX/XXXX, CREDIT ACCEPTANCE CORP tried to ILLEGALLY REPOSSESS THE VEHICLE, resulting in myself hiding the vehicle until they can legally VALIDATE THE DEBT. I have recorded conversations with COLLECTOR where they claim they have a signed contract between myself, co-signer and CREDIT ACCEPTANCE CORP and have failed to produce any proof of a VALID AGREEMENT AND/OR CONTRACT. They are in DISHONOR!
Product: Debt collection

I moved out of an apartment XX/XX/year>. This was XXXX XXXX XXXX in XXXX XXXX. Upon moving out, I gave them my new address to forward any balance due. My rent was prorated for 4 days and I went to the office to inform property manager I could not access or pay online, and that I didn't want to have a late fee. I was told to " not worry about it '' and that she would send to my new address, which was provided. I did not receive anything by mail, and it was only a few days ago I checked my credit and had a credit hit for a debt collection. I called the XXXX XXXX to ask why this was. I spoke to someone named XXXX XXXX and she said they no longer manage the property as of late XXXX, but she did say that it looked like no one had made an attempt to send me a balance owed, she also stated that this was contestable. She gave me the number of debt collector ( this was the only information given up until this point ). I called the debt collector and asked them to verify when and by what method they attempted to contact me in regards to this matter. These calls were recorded for my records. I was hung up on twice. I called XXXX XXXX XXXX and was referred to XXXX  attorney 's office.