23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these inquiries were erroneous. The Credit Bureaus must verify these inquiries in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting inquiries as unverified information without providing any proof within the period allowed by law. The following inquiries need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I have a TJ Maxx credit card offered by Synchrony Bank. Recently I had made some purchases on the card and later returned some items from the purchase. Some time after paying what I believed to be the balance on my account ( {$20.00} ), I received a notice from Synchrony that I was charged a {$27.00} late fee plus {$2.00} in interest. I immediately called Synchrony to enquire what had happened. It was then that I learned that I should have paid {$25.00}, but due to a miscalculation on my part I only paid {$20.00}. I told the Synchrony rep that I never pay my credit cards late and always pay the balance in full, and that this was purely due to an oversight on my part, and asked him to refund me the fees. He said he could refund the late fee but not the {$2.00} in interest. 

I then asked him to transfer me to manager or someone else who could help. He transferred me to someone named XXXX XXXX extension XXXX ). She informed me that she also could not refund the {$2.00} in interest and that was the " minimum interest '' that could be charged. I then said OK, I will pay off the balance now ( {$5.00} balance plus the {$2.00} interest ) but want confirmation that I will not pay any more fees. She then informed me that she can not guarantee that because I would still get another charge for interest from the time of my last statement closing until the balance is paid. However, because Synchrony has a minimum {$2.00} interest charge I would get charged another {$2.00} because that is the minimum amount that Synchrony charges. So it doesn't matter what the actual balance is, a customer will always be charged a minimum of {$2.00} in interest if they are late on their payment.

So effectively, I will get charged {$4.00} in interest because I mistakenly did not pay a {$5.00} balance. This is per se usurious. Synchrony Bank is knowingly acting in bad faith to XXXX over customers with tiny balances, and not offering any exceptions when an otherwise timely paying customer makes a small mistake. The bank is trying to hide behind " their policy '' when their policy is unconscionable. XXXX even told me that if I did not pay the additional interest ( after the initial {$2.00} charge ) I would get a late fee added on top of that. 

Synchrony Bank is a fraudulent bank that engages in deceptive and unconscionable business practices. They do this knowingly thinking that most people will not complain and simply pay these small fees, which add up to millions of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : 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 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 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 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: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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
Product: Credit card or prepaid card

My XXXX XXXX card handled by syncrony bank has a good cash back program- this is the second time in less than 2 mo that my rewards havent been accurate and actually have been altered- the compakhy tells me its a computer issue - currently they say I have over XXXX in rewards and Im showing XXXX. This is an ongoing issue and XXXX does not help-
Product: Checking or savings account

I was charged for XXXX XXXX XXXX twice. I called to stop the transactions, but because they were authorized, they could not have been stopped or refunded. They were in attempt to pay debt from a debt collection agency, but included fraudulent charges from a previous credit card bill. I am being refunded only a partial amount rather than the full amount. I paid these fraudulent charges with interest.
Product: Debt collection

Payday lender Check Into Cash was told the party they were trying to reach was unavailable. Their response was to call every 30 seconds for the next 5 minutes, each time being told not to call back, each time trying to yell over the request then ultimately ignoring it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 a line of credit was fraudulently opened in my name by XXXX XXXX XXXX XXXX with a current balance of {$1400.00} 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 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 ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. 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. Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. As of yet, there is no document evidence of VERIFIABLE VALIDITY of claim much less of the mandatory PERFECT and certified XXXX XXXX compliance of reporting AS REPORTED, a minimal condition of REPORTING regardless if item is true or not. You are of no legal option but to lawfully and permanently rectify your now current not compliant reporting by immediate removal of any and all derogatory claims and or modification to a perfect and COMPLIANTLY REPORTED status. Your hesitation will be assumed your willful derelict of responsible regulatory reporting and infraction-ous injuriously deceptive reporting, BOTH grounds for my civil complaint and seeking of monetary resolution and punitive damages versus you shall you hesitate or refuse to report compliantly and only verifiably valid information, true or not! I demand the following accounts be verified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has my credit score according from XXXX XXXXXXXX XXXX print out as of XX/XX/2018 was ( XXXX ) As of XX/XX/2018 showing ( XXXX ) as by XXXX XXXX XXXX. The issue I have there has been a lot of wrong information that was on my credit report by TransUnion such as XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX 2 BY XXXX XXXX XXXX in which has been all removed and some that was court papers as to why they was on there. TransUnion has since lowered my credit due to what I see all these company 's been removed by them. My credit score should not have gone down by ( 34 ) points. I have no late credit cards- student loans or revolving credit cards-car payments etc there is no justifications for this on TransUnion/ XXXX XXXXXXXX XXXX
Product: Debt collection

I have worked relentless to get this continued attack on me from XXXX XXXX resolved. I feel like this attorney firm should have reported this account. I had to file a complaint with this agency just to get the break down of this fraudulent account. Once I did there was about XXXX in mistakes if not more. In an attempt to force me into a payment plan XXXX XXXX pulled three old moving violations tickets to suspend my driver license. One of the tickets was from XXXX I believe. I was on a payment plan for several tickets which included the three they used to suspend my driver privilege in Iowa. My payments was XXXX dollars a month the file clearly shows that I was givin two extension for making regular on time payments. Yet now some how all the tickets was paid except these three. One which is XXXX dollars more then what it should be. This attorney firm after multibal corrections sent the file back I was told. I was pulled over on my way to a doctor 's appointment placed under arrest then let go at the hospital. I had to seek medical attention for my XXXX and for cuffs that was placed on so tight the doctor stated it compressed my XXXX XXXX and XXXX XXXX XXXX. I have been pulled over once here and I'm in the process of being railroaded yet again by this legal system here in XXXX XXXX. I have tried several times to reach this firm for help. It's my understanding they never requested for my license to be suspended and informed XXXX XXXX that I was working with them in an attempt to figure the balance of what if anything I owed. Yet XXXX moved ahead a wrongfully suspended my Iowa driver privilege after North Dakota refused their request. I dont get how this firm was eager to to collect their percentage at my expense but refuse to help me with this. I want to know why wasn't this account reported and why this firm is refusing to clarify if they indeed told XXXX XXXX I was working to get this balance correct. Where is the support for the wrongfully accused?
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and Credence Resources management. 
as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement.

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Debt collection

JP Chase Charge off a debt and then sold the debt to XXXX XXXX XXXX. 

I open an account with JP Chase in 2013 with a balance transfer. Chase never sent me a billing statement. At the same time, I opened a bill payer with XXXX XXXX to pay JP Chase every month for {$100.00}. The plan was to modify my payments to payoff the debt before the grace period ended. I forgot about Chase because I never received any billing statements by mail or electronically, but the XXXX XXXX payments were sent every month. 

Chase Charged off the debt and sold to XXXX XXXX XXXX. The {$100.00} payment were still going to Chase even though they sold off the debt. My credit report still reflects that Chase is the holder of the debt, no mention of XXXX XXXX XXXX. Chase never notified me the debt was Charge off or sold to XXXX XXXX XXXX. Chase has been receiving my payments for years and then sending them to XXXX XXXX XXXX. 

I only found out about XXXX XXXX XXXX because I answered the phone after persistent calls to stop the calls. 

It is my understanding that JP Chase is required to notify me of the Charge off and requires my sign of to sell the debt to XXXX XXXX XXXX. None of this occurred. JP Chase is still reporting debt even though it has been sold to XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 stares a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681C. ( a ) section 5 states no consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C.S-2 ( a ) ( 1 ) 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.
Product: Credit card or prepaid card

On XX/XX/2021, I applied online for the XXXX credit card with Comenity Bank using my current address of XXXX XXXX XXXX XXXX XXXX, CA XXXX. The application was under " submission. '' As my credit score was and is over XXXX, I immediately contacted Comenity regarding the my application. I was told that I had to wait until I received a decision in the mail. 

I later received a letter ( attached ) from Comenity dated XX/XX/2021 stating that I needed to call and confirm my address. I immediately called the number listed on the letter and confirmed my address of XXXX XXXX. Also, CLUE NUMBER 1 to Comenity in verifying the XXXX XXXX address, is the FACT that I received the letter at the XXXX XXXX address and called them. 

I later received a letter at the XXXX XXXX address ( attached ) dated XX/XX/2021 informing me that my application was denied since Comenity couldn't verify my address. I was instructed to call XXXX to resolve the issue and then I could reapply again. Again, I called Comenity after I received the first letter I called to verify the XXXX XXXX address. 

There is no conceivable basis as to why my application was denied. I understand security and the extra protection for consumers by verifying addresses, but this was not handled properly by Comenity as I verified my address.

I can only surmise that it is discrimination based on my age, among other things, or Comenity 's ineptitude in handling this matter, or both. 

I subsequently attempted to dispute the hard inquiry on my XXXX report, but Comenity confirmed the inquiry to XXXX. 

Now I'm left with a hard inquiry and a lower credit score on my XXXX credit report due to Comenity 's discriminatory practices/ineptness.
Product: Credit card

Ensuring payments are made on time has been a constant practice on this account, preventing any overdue instances. I'm confused about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Debt collection

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number:XXXX Collector : SYNCB Original Creditor : WALMART Status XXXX Unpaid Balance Amount : {$200.00}
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I called, just excuses and runaround why the amount ( s ) keep fluctuating. I emailed XX/XX/2023, they refused to respond. I emailed XX/XX/XXXX, twice and XX/XX/2023, they refuse to respond. I used the text feature ( XXXX ), on XX/XX/2023, they refused to respond. I have attempted to rescind my ACH debit, they refuse to respond or acknowledge this. 
I have paid XXXX in 10 months, the original amount was XXXX Credit Fresh says I owe XXXX, where did the money paid go? How can I possibly owe more than the original loan by XXXX when I have paid nearly XXXX in just 10 months. 
This is beyond predatory. This is beyond allowable interest in Oklahoma. I am also contacting the FTC and Oklahoma State Attorney General. I am also sending via signature required my revocation of ACH debit. 
This company is ruthless, follows NO rules, NO acceptable accounting practices. They should be shut down IMMEDIATELY. 
The refusal to respond, the refusal to remove the ACH authorization tells anyone all you need to know about Credit Fresh. 
Please, I am begging you, STOP these crooks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living Human being. I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681.

Equifax has violated my rights numerous times. I demand the accounts listed below be removed immediately.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

I am a victim of the Equifax XXXX XXXX. Equifax has admitted the fraud that was committed and that I am a victim and I have a Claim number with Equifax. The claim number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfers

On XXXX XXXX, 2016, I received an email from Google that my Wallet account had been suspended and ultimately closed for " suspicious activity ''. I tried on numerous on numerous occassions to find out what activity Google was referring to because I had no used the Wallet accont for a money transfer since XXXX XXXX, 2016. I hit brick wall after brick wall because I was constantly told referred to the Terms of Service which state that Google can close any account at anytime for any reason without notice. I find that to be awfully unfair since I have an Android phone, and I can no longer make any purchases through the Google Play store by billing it to my XXXX XXXX XXXX wireless account. This creates an unnecessary burden on me. It would seem that this violates the FCRA and Title! 2 of the UCC. Communication with the group that makes these decisions is nearly impossible because is only through email. This is hardly satisfying.