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

Hi, This is a follow up to complaint XXXX. 

Synchrony Bank did not credit my XXXX payment. I made the payment on XX/XX/XXXX. I then made another payment on XX/XX/XXXX because the said I was late. That is when I realized that I made 2 payments on XX/XX/XXXX, but 1 was for XXXX. Sychrony IMMEDIATELY lowered my credit limit from {$10000.00} to {$1900.00}, which was right around what I owe on it under a promotion. So I got in touch with them, and told them what happened. They agreed with me that the payment for XXXX was made, and waived the late fee. However, they refused to put my credit limit back to {$10000.00}. They stated they sent me a letter detailing this on XX/XX/XXXX, the same day I made that 2nd payment. Which if you look at my last letter from them, they were going to take retaliatory action with anything that may happen. So they sent me a copy of the supposed letter they sent as of XX/XX/XXXX, which, of course, was not received. In a letter dated XX/XX/XXXX, they denied my credit increase. Well, if you look at the complaint that this is a follow up to. The cancelled cards that were reopened have still done major damage to my credit score. This action was a negative action because the balance was close to the limit. Which this was a listed action on their letter. Synchrony is doing this to retaliate for me taking the proper channels in a complaint. They've already taken actions to show that they know they are wrong. They reopened all the card from the last complaint, with the same credit limit. So when they XXXX  up my XXXX payment, they waived the late fee, but made me keep the lowered my credit limit. I don't understand why they are doing this when there is a global pandemic. If you've seen the news, the CEO stepped down to the board of directors. I wonder if the mass closing of accounts had anything about that. I've heard it was. Oh, and they did what they did in XXXX. As soon as I made a payment, I got a " new statement '' email after that. I made my payment today, for the payment due on XX/XX/XXXX. Right after I made that payment, I received a new statement email. The website also did not update to the payment being met.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiry were removed from Transunion report then came back on report with no notice. 

XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX -XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Recently learned of Transunion Error Please assist
Product: Checking or savings account

I got a random charge for a " XXXX XXXX '' which withdrew my entire checking account balance and left me with XXXX dollars. I called the local branch and both customer service and neither were able to give me an explanation nor were they helpful. I would like my money to be returned to me as it's all I had and I am XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My account balances from Grain Technology Inc have not been updated on XXXX since XX/XX/2021. The balance is reporting a high utilization that is harming my credit score. My balance on my grain technology has been paid down for the last two months and has not been updated. I have contacted this company for months and have yet to get a response. This makes is very difficult to get a remedy with the issue.
Product: Credit reporting or other personal consumer reports

Credit Bureaus are not reporting accurately. i called them and sent in my Identity theft report and verification from all third parties located on all three bureaus on my credit report, that they could not provide original contracts or signatures or provide proof of debt. I was nowhere to be located there for these things listed on my credit are false and need to be removed. Therefore by law have to be removed from my credit report. All collections need to be removed under 15 U.S.C. 1692c, All charge off need to be removed under 15 U.S.C. 1601 15U.S.C.1681 ( e ) ( i ), All late payments 15 U.S.C . 1666 ( b ), 15U.S.C 1637 ( a ) the items that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or more of these companies violate the Fair Debt Collection Practices Act 15 U.S.C section 1692, et seq the FDCA, The California Rosenthal Fair Debt Collections Practices Act Cal. Civ. Code section 1788, et esq the Rosenthal Act
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XX/XX/XXXXXXXX Balance {$1600.00} XXXX XXXX Balance {$15000.00} XXXX XXXX Original Creditor : XXXXXX/XX/XXXXXXXX Balance {$120.00} XXXX FUNDING Original Creditor : XX/XX/XXXX XXXX A XXXX Balance {$570.00} XXXX XX/XX/year>XX/XX/XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protective consumer rights to privacy and confidentiality under 15 USC Code 1681. 

XXXX XXXX XXXX Account Number : XXXX Address : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, CO XXXX. 

The Veterans Administration is responsible for paying this account. XXXXXXXX XXXX XXXXXXXX refused to provide me with copy of the original bill when I asked them in XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by TransUnion. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Product: Credit card or prepaid card

I closed my Virgin credit card account ( # ending with XXXX ) managed by Comenity Bank in XXXX. On XX/XX/XXXX, I received a bill from Comenity Bank for {$2200.00}. I. called the bank and they acknowledged that the account in XXXX was closed and could not answer why they accepted charges on the account in XXXX. 

The bank opened a fraud claim and asked me to sign a document that said I might pay the charges if I did not cooperate with them. I told them I would not sign anything that implied I take responsibility for these charges. I offered to sign a statement that disputed the claims but did not include language about me accepting ay responsibility for these charges. I also filed a dispute with XXXX. Comenity refuted my dispute with XXXX. 

I received a letter dated XX/XX/XXXX that informed me they found no basis for my claim. On XX/XX/XXXX, I received a statement showing a {$0.00} balance. I then received an email dated XX/XX/XXXX, stating I owed {$2200.00}. Comenity Bank continues to acknowledge these charges were placed on my account AFTER it was closed. 

I placed a call to Comenity Bank 's fraud division again on XX/XX/XXXX at XXXX XXXX. I spoke with XXXX. She confirmed the account was closed in XXXX and the charges were placed on my account in XXXX. She could offer no explanation as to why this was done.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, OH XXXX XXXX XXXX XXXX To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for this account listed below. 

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 

I demand that the following account be verified or removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SC XXXX In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 


Thank You, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I need XXXX to remove all the inquiries that are on my credit report. I have not made them and I do not recognize those inquiries that are on my credit and I want you to remove them please.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up complaint to my previous complaint dated XX/XX/XXXX. 
This complaint will also serve as a notification to investigate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I am XXXX XXXX, a XXXX at XXXX XXXX. Branch banking and trust ( BB & T ) has caused mental harm and undo stress on me because of overwhelming, unfair returned check fees. They recently charged me XXXX returned fees for XXXX item. They refused to reimburse these fees to me. I can not afford to continue to be treated this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 XXXX XXXX XXXX has reported incorrect information to XXXX and XXXX as well as violated my rights under : 15 U.S. Code 1681b - Permissible purposes of consumer reports. 

I have not given any consent, and no consent is a violation of my rights as a consumer. 

I have filed multiple disputes with the credit reporting agencies. No action has been taken by the company at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX
These inquiries were unauthorized done fraudulently without consent.
Product: Money transfer, virtual currency, or money service

PayPal has been deceptive in their fees. I have been selling items on XXXX, and PayPal charges the shipping fees, as well as holds the profits from the sale. PayPal is charging BOTH my PayPal account and my checking account for shipping fees associated with selling my items on XXXX. I've contacted both XXXX and PayPal numerous times, particularly in the Month of XXXX. XX/XX/XXXX was the last day of the conversations with PayPal and XXXX. Both companies should have our conversation history with dates. Both XXXX and PayPal kept giving me the runaround -- saying it was XXXX XXXX fault -- and vice versa. 

Furthermore, when I try to sell items on XXXX -- it asks me to chose the method of payment. If I select PayPal -- the ONLY options PayPal gives me are my personal checking/credit accounts. I want PayPal to be the payment method -- not my personal accounts, and certainly not both accounts. 

I finally -- on my own -- discovered how to stop the bleeding on future transactions, but I still have ten transactions that are owed refunds. The way I figured it out was to go into PayPal, find automatic payments. There, you can see my checking account is associated with my paypal account and ebay account -- this is where I was double charged. I clicked to deactivate this automatic payment -- then started a new automatic payments with PayPal only -- not linking a checking account. Now, when I sell on ebay -- it directed me to Paypal, and the only option for automatic payments was PayPal, and not my personal accounts. This seems to be an obvious UDAAP violation. 

The amount of runaround I received from dozens of representatives from PayPal and XXXX was absurd. I asked to escalate the issue numerous times and nothing was done. 

Here are the transactions with dates and cost that still need resolution ( my name redacted with X ) : XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$3.00} XX/XX/XXXX PAYPAL INST XFER {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX   XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX  XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$3.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00} XX/XX/XXXX PAYPAL INST XFER XXXX XXXXX XXXXXXXX {$2.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate and verifiable credit information. I need that you eliminate these late payments on these accounts because they are reported wrong. You should corroborate your information and remove the negative information on these accounts. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct the late payments from these accounts : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance whith the fair credit reporting act XXXX  accoun XXXX XXXX XXXX XXXX XXXX XXXX # XXXX HARDS INQUIERES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The financial institutions have violate my right.
Product: Debt collection

Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.
Product: Checking or savings account

During the month of XXXX I was alerted that someone was making charges on my account. The charges were made in a multitude from places outside of the United States. Some charges were with companies that I do business with and I was asked to look over my entire account. A couple charges were made through XXXX, one for {$9.00} and another for XXXX. My monthly charge for XXXX is XXXX and has been for a very long time. I answered the questions asked of Chase and assured them the XXXX and XXXX were not my charges. The monies were returned to my account. On XX/XX/2017, Chase withdrew XXXX from my account stating it was a claim reversal. I contacted Chase and was told that since I had an account with XXXX it appeared the charge was mine. I was taken back as I had previously been through claims, and there was absolutely no justification for reversing the claim based on my standard monthly charge. I have maintained my XXXX account and have always paid {$9.00} on the same date and the same amount. I then spent nearly an hour speaking with various Chase associates one who told me he could completely understand what happened and believed the reversal was a mistake. To date Chase has not returned the funds nor contacted me. I did not authorize, purchase, and absolutely was a victim of fraud. How the person obtained my Chase information is beyond me. {$9.00} is not going to break me, but it is my money, and Chase had absolutely no reason to take the money from my account. Chase 's logic and actions makes me worry and for the first time since I have been with the compay, afraid of the effects fraudulent activity will affect me. I
Product: Credit reporting, credit repair services, or other personal consumer reports

The property was sold in short sale via bankruptcy and we meet all criteria as agreed by court and judgement and they are still marking credit as delinquent mortgage. It has caused me harm I can not get credit or refinance my house. I am an XXXXXXXX XXXX XXXX man who has been trying to handle this sense XXXX and now my personal assistant has been on them sense XXXX when they started marking my credit again the house sold in XXXX see all docs attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Car loan from XXXX XXXX. They are in correctly reporting a missed payment on XX/XX/2017. Account was on automatic payment. Was told by representative they would fix it 3 years later it has not been corrected. 
Representative has not returned phone call in 3 months. This " late " payment is effective my life. 

Also XXXX has not been reporting proper score neither has Equifax. I have reached out to both companies to correct mistake they say they will but do not. 

XXXX XXXX XXXX has opening a collection on a account that was fraudulent create m Equifax has not remove it after submitting paperwork. 

Please help
Product: Debt collection

Firstsource Advantage LLC is calling and harassing my mother about my XXXX XXXX XXXX credit card balance of {$560.00}. This is crossing a line and I want them to stop. Do not call anyone but me about my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Transunion about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letterverification. I have talked to the banks and they agreed to repair and correct the accounts. Why don't actually research my account history this time and see the errors yourselves? Please update and correct my accounts right away XXXX, XXXX. XXXX, XXXX XXXX  XXXX XXXX  XXXX, XXXX - XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX
Product: Checking or savings account

Well I lost my wallet back in XXXX, around this time I had just received a deposit from my school, someone used my debit card and got my phone as well and got into my account and made over XXXX dollars worth of purchases, I have filed disputes, Ive been back and forth with this intstution about my funds, they did XXXX provisional credit but took it back within XXXX min, theres no way they had a resolution that quick, I requested the documents they used to make their decision but nothing and they said it would take 3 days to find a resolution and I could keep the funds while they investigate, they clearly lied, this has been a horrible experience with this institution, they claim to be fdic insured, I just want my money back, this has been a XXXX  month process, this bank is unreal.
Product: Vehicle loan or lease

XXXX printed up a contract thats was sent up and approved by their higher ups with a lower interest rate I signed and finalized everything. They come back within minutes saying the contract was not valid this is not fair especially if a system created the contract
Product: Student loan

I have called several times to try to reduce my payments from {$700.00} down to an affordable amount and they have not been willing to work with me. The interest on these loans are ridiculous and I cant keep up with it.
Product: Debt collection

I was told by a social worker that my stay at the behavioral hospital would be covered even though I told them I had no insurance and means of paying. I keep getting calls about the debt collected and texts. In addition, they have my birthdate wrong on the documents. In addition, I have already tried to contact the hospital directly but I had no luck with their business office. I cant even afford groceries and work part time. I think it was extremely unethical to be coerced by a social worker to sign myself in after promising financial help for it to not be true.
Product: Student loan

On XX/XX/XXXX I phone and received written confirmation that my loans were deferred and not due until XX/XX/XXXX. Shortly thereafter, I received an email that states the same : " Your payments will resume on XX/XX/XXXX. '' On XX/XX/XXXX I received another reminder email stating that the date was now on XX/XX/XXXX. On XX/XX/XXXX, XXXX and XXXX  were notified that my account was no longer deferred which negatively impacts my credit report. 

I called and the agents and supervisors argue with me and state that they are not obligated to provide anything to me in writing. I need this issue addressed immediately.