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

My husband XXXX XXXX and I I have two ( 2 ) store accounts with Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX. In XX/XX/2020, as normal, we separately paid the amount due to each account. Synchrony Bank placed the funds from each account into only one of the accounts. The next month, we received a {$29.00} late fee charge on the account which Synchrony Bank failed to properly apply the payment made. I immediately paid the full balance on the account, plus the {$29.00} late charge. 

In XX/XX/2020, a {$170.00} balance owed me was shown on the account that Synchrony Bank failed to apply the payment we made in XXXX. 

My husband immediately called in and requested a refund of the {$170.00}. He was told that the {$170.00} would be applied to any future purchases. He advised that I would not be making any such purchases. He was then told a check would be sent out immediately. No refund check ever arrived. He has have since called numerous times in order to obtain the balance due me. It should be noted that their mistake cost me {$29.00}. In addition, Synchrony Bank charges 29.99 % usury interest ( when the fed funds rate is XXXX % ) should I pay over time. 

Synchrony Bank continues to acknowledge that they owe me {$170.00}, however, have continued to refuse to send me the payment.
Product: Debt collection

I have repeatedly stated that I was on XXXX. Not XXXX, both the medical Bill 's are paid. Plus, this collection agency is in violation of HIPAA rights. They cant provide me with my original bills I want these petty medical Bill 's removed permanently from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit
reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. ''
Product: Debt collection

This is an illegal debt collection in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

This unlawful claim should be removed from my credit immediately, as Procollect , Inc. and XXXX XXXX XXXX APARTMENTS are involved in illegal credit reporting. Procollect, Inc. and XXXX XXXX XXXX APARTMENTS have no legal authority to ruin my credit reporting and implement unfair, deceptive, and abusive acts. 

Under the FCRA, Procollect, Inc. and XXXX XXXX XXXX APARTMENTS are liable for statutory damages, actual damages for injuries I suffered as a result, emotional damages for stress or physical ailments caused by this ordeal and punitive damages for these unlawful actions. 

Procollect, Inc. has repeatedly harassed me.The FDCPA prohibits debt collectors from contacting debtors at inconvenient or unusual places. ( 15 U.S. Code 1692c ).
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax. I believe these late payments are erroneous and do not accurately reflect my payment history. 
Nature of the Complaint : 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. 
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.

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.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the Act 's requirements.

Specific Errors Identified : Late payments inaccurately reported for XX/XX/XXXX and XX/XX/XXXX. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payments from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of these entries within XXXX  days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a XXXX XXXX and XXXX XXXX credit card with American Express ( AMEX ). My XXXX XXXX credit card provides a bonus of XXXX XXXX XXXX XXXX  ( XXXX 's ) to be transferred to XXXX XXXX after the consumer has spent {$30000.00}. XXXX tracks all of this information and shows it on a grid within their app, so that the consumer can see what they need to reach their next XXXX status. At the beginning of XXXX I realized that my card spend on the app was being reported at {$34000.00} and this should have triggered my bonus XXXX 's to be transferred to XXXX XXXX. 
XXXX I called American Express to confirm that this information was accurate, because I didn't believe it was. The customer service agent I spoke with informed me that it was and I would be receiving my bonus XXXX 's, which I needed to push me to the next XXXX  status. I asked the agent to please confirm with someone, because again I questioned it. He did and then responded that he was correct. I asked him to document this on my account, which he did. ( I have asked for a copy of the note to be emailed to me and this was denied ) XXXX I noticed my XXXX XXXX were not transferred to my XXXX  account, and I called AMEX Customer Service XXXX Again I was told that I met my spending limit, but it could take up to 8-10 weeks for the transfer, and that it would be dated back to when I met my spend limit. 
XX/XX/XXXX - I called again to AMEX Customer Service and spoke with a Supervisor - He read the notes on my account and stated that I was misinformed. The spend limit is only for my XXXX XXXX card. I explained that if I had been given the correct information, I could have met that spend limit. Instead I had transferred some expenses to a different card for points. He understood and acknowledged that this was an error on AMEX 's side and that I was misinformed. He was escalating my case to a unit that deals with issues between AMEX and XXXX. 
XX/XX/XXXX - I followed up with AMEX and again spoke to a supervisor who told me that this unit denied my case. I explained why I was quite upset. I asked if I could speak with them directly and I was told no. She informed me that I was on a recorded line and that she would ask them to listen to the recording. 

It is documented in the notes on XX/XX/XXXX that I was told I had met my spend limit and would receive my bonus XXXX 's to be transferred to XXXX XXXX. American Express acknowledges this, but is not willing to correct their error and make me whole. AMEX has not reached out to me once either via email or phone to discuss this case. If I didn't keep calling back, I would have never known my case was denied. I believe this is because they know this is their error and are hoping I'll just go away. 
I consider myself a very fair person, and if this was my mistake I would own it, but its not. This mistake by AMEX cost me my next level of XXXX XXXX  status, and they need to own their error and transfer my XXXX XXXX 's dated back to the end of XXXX. I am so disappointed that a company with their reputation would treat myself or anyone else with such disrespect.
Product: Debt collection

I found out my bank account was levied on XX/XX/XXXX. I found out when I went to XXXX XXXX to my daughter, They levied {$2600.00} plus and said I owe {$3100.00}. I called that bank and was given a court officer from XXXX court who gave me a number for a Law group information by the name of XXXX XXXX XXXX XXXX. They were hired by LVNV funding to collect money from a charged off credit card just about 9 years ago. They told me I had no option for a payment plan because they had sent me notices which I never received. I reached out to a free legal services who guided me to submit motion to vacate order as i was not served or got notification from the XXXX XXXX XXXX  or LVNV funding. I sent a letter to both XXXX XXXX XXXX and LVNV funding asking for a debt validation letter, also a letter for unauthorized levy. XXXX XXXX XXXX still continued to pursue getting the balance of the {$500.00}. I submitted a document to vacate the order the end of XX/XX/XXXX, I received a call from New Jersey court asking for my email address but I did not get an email. Again XXXX XXXX XXXX filed to continue to pursue getting the balance they said I owe on XX/XX/XXXX. At this time I haven't taken any other steps to fight these people as I sent them all the lawsuits against LVNV funding and what they had to payout to consumers. They continue to be relentless.
Product: Credit card

I am in possession of a {$25.00} XXXX XXXX XXXX XXXX. The Gift Card ends with " XXXX XXXX '' and says " Valid Thru XX/XX/30 ''. On the rear, it says " non-reloadable '', and " Distributed and Serviced by XXXX XXXX XXXX  XXXX XXXX '' This card has, apparently, {$0.00} or more left on it and I am unable to use it on XXXX and am told to contact the card issuer. However, I am patient of severe jaw joint degradation and can preferably only voice on the matter by typing it out. Therefore it appears I need a check of {$0.00}.
Product: Credit reporting or other personal consumer reports

As of today, you have failed to provide a valid response or correction regarding these disputes, in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Furthermore, under 15 U.S.C. 1681i ( a ), credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information within 30 days of receiving notice of the dispute. 

I am attaching copies of my disputes that I want resolved by the Credit Bureaus immediately. XXXX, XXXX and Transunion are failing to do their jobs. 

Please provide detailed documentation showing the steps taken to verify the accuracy of this account. XXXX XXXX TransUnion LLC, '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reinforced that credit reporting agencies must conduct meaningful investigations into disputes and provide clear verification processes to consumers. 

All disputes will be uploaded.
Product: Debt collection

This account ended on my credit report and I have no knowledge of the debt or company. Possible identity theft.
Product: Mortgage

i was in forbearance due to covid issues and i requested a loan modification so that i could make payments but i got a default letter from them and i can never get to talk to anyone i always get a recording which no one ever calls me back
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions
Product: Credit card

I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Product: Credit card

Today ( XX/XX/year> ) I received a Chase Freedom XXXX card that I did not request or give consent for. The numbers that were provided on the form that came with the card have numbers clearly geared to sell you a medical alert monitoring service or to get you to an agent to discuss XXXX XXXX XXXX plans. When I called the numbers provided ( XXXX and XXXX ) it was a hard push to enroll in this medical monitoring plan where they offer a free device. No one would tell me who sent the card and at one point I was hung up on when I indicated that I was not going to be taking part in their program. I called the number on the back of the card ( XXXX ), I was able to get the card cancelled and it to be marked as fraudulent. They could or would not tell me who sent it and did confirm that there was no activity on the account. A few weeks ago, a guy walking the neighborhood stopped me as I was picking up our trash cans from the curb and wanted to talk about solar panels. He had the word " Freedom '' on his badge. He was pushing hard to get one of our power bills which I did not give him and insisted he spoke with my husband ( which he did not ). He went away after he decided I was not going to give him anything. Not sure if these two incidents are related or not.
Product: Debt collection

XX/XX/XXXX I sent a dispute for debt. 30 business days later on XX/XX/XXXX I sent a request for verification of debt to be sent to me and it came back from all 3 credit bureaus that the debt was validated without documentation. Also, there was a {$19.00} payment that was made unknowingly by who after I sent my 1st dispute in, seems as if it was an attempt to keep activity on the account. The company is Exeter Finance Corp .
Product: Debt collection

They have repeatedly called from phone number ( XXXX ) XXXX asking me to verify my last 4 of my SSN. I asked her to identify the company she is calling from and what is was regarding. She would not tell me. Finally she said she was calling me regarding a payday advance I took from  2008 that I never paid. Which is false. I asked her to send me something in writing so that I could properly verify the claim which she refused. The debt she said I owed never showed up on my credit report as an outstanding debt during the process of buying my first home. I told her to please stop calling and she then became belligerent saying they would be taking me to court as well as ruin my credit. This company then started calling my husband and other family members saying I was in legal trouble and started requesting my work phone number and wanted them to verify my SSN and DOB. This is a HUGE violation and they need to be stopped.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX Date- XX/XX/XXXX - XXXX filed a complaint Nothing has been removed XXXX XXXX Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX  Inquiry Date- XX/XX/XXXX - i filed a complaint Nothing has been removed XXXX Inquiry Date- XXXX - i filed a complaint Nothing has been removed XXXX XXXX XXXX XXXX XXXX Date- XXXX i filed a complaint Nothing has been removed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion since XX/XX/2021. I have been asking them to verify three accounts reflecting on my report that is reflecting inaccurately. I have disputed XXXX which reflects a late payment for XXXX on my report inwhich the payment was paid as agreed and RPM balance is showing higher than the high balance and XXXX XXXX  which the date of delinquency is reflect inconsistent with my other reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

they went in my car and stole my purse and whoever find it is been trying to open couples account under my name, I have call this place to explain to them what happen and to give them the police report number of my stolen purse and they told me they was gon na work on removing that hard inquiry off my credit and is been more than 8 months and they don't removed knowing I was going thru identity theft. XXXX XXXX. this been going on since XX/XX/2022 i need them to remove this hard inquiry from my credit report because i call them about this, and i explain everything to them, I shouldn't have this on my credit when i reported identity theft
Product: Credit reporting or other personal consumer reports

LITIGATION IN PROCESS ACT IMMEDIATELY YOU ARE IN VIOLATION THIS IS A NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. I have been trying to resolve this matter for some time with your agency, and the corporations and debt collectors you allowed to fraudulently place inaccurate items on my credit report without permissible purpose, along with violating many other rights I am able to enforce as a natural person. Moreover, you continued to report items that are not 100 % accurate ( the most important job as a credit reporting agency ) as well as without my permission. I have had to forcefully study to find out the numerous ways that I have been violated, but my perspicacity and indefatigability assisted me to this very moment. I am a consumer that can take litigation earnestly, meaning that I am unreasonably prone to go to law to settle disputes, and am currently in the process of taking legal action in this matter to enforce my rights under the FCRA and FDCPA. This is my official notice for you to remove everything that is in violation of the laws mentioned in my AFFIDAVIT OF TRUTH, LITIGATION LETTER ( THIS ATTATCHMENT ), FTC REPORT, CFPB COMPLAINT, XXXX COMPLAINT, ATTORNEY GENERAL COMPLAINT, SOCIAL MEDIA HANDLES, AND FEDERAL COURTS IF NOT RESOLVED PEACEFULLY AND QUICKLY. WHICH I WILL BE USING AS CRUCIAL EVIDENCE, in your ability to willfully neglect the laws that have been put in place to refute situations such as mine. 
These items should be deleted immediately while in litigation pursuant to FCRA guidelines. If you fail to comply with Federal Law and not delete these items after receiving this paperwork will result in your company owing XXXX per violation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these actions.
Product: Credit card or prepaid card

I applied to (2) two Chase backed credit cards after being heavily solicited by both. The first was a Chase backed Southwest Airlines Reward card. I was denied but the reason says it was because I do not already have a "Chase" card. This makes no sense and I have an excellent credit rating 750+.The second was a Chase backed Marriott Reward card. I was denied but again the reason says it was because I do not already have a "Chase" card. This also makes no sense and I have an excellent credit rating 750+I am more than qualified based on my credit score, history, and income. I believe that I was denied credit based on my political affiliations, race, or other reasons.
Product: Credit reporting or other personal consumer reports

Experian is reporting that the ( XXXX XXXX XXXX ) account status as Late ; however, according to XXXX and XXXX XXXX monitoring services report, I have no late payment or no collection on the ( XXXX XXXX XXXX ) therefore it's an inaccuracy. This is violation of 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Delete the collections/ charge-off off account ( XXXX XXXX XXXX ) from the consumer report. Please see the attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Need to file a complaint on Equifax 8 times I have asked them to investigate credit inquires on my Equifax credit report they have refused to investigate the items listed below. they asked me to contact the companies below I did so and they failed to respond back to me Per the FCRA Equifax has 30 days to investigate if this issue is not resolved by Equifax I will file a lawsuit 
  XXXX   XXXX   XXXX   DATE   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  
IF YOU ARE UNABLE TO PROVIDE THE INFO THAT I'm asking for please remove these authorize inquires   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   
  XXXX   MN  XXXX 
 XX/XX/XXXX 
Social Security #  XXXX 

Equifax   XXXX   XXXX   XXXX    
Dear Credit Bureau Representative:

	I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is (1) a firm offer of credit, (2) insurance, (3) an application for employment, or (4) a court order.

	The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

1.