23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

1 ) They switched to charging a $ 2 monthly fee for mailing out a statement bill each month. Therefore I switched to electronic/email delivery for statements or bills.

2 ) One month, I never received the email bill. They charged an Interest Charge, a Finance Fee and a Late Charge. I called to complain as I never received the email bill. They said they would credit some of the fees back ( Ia total of {$41.00} ) but never did.

3 ) I called again to complain. I paid the entire balance.

4 ) Even though they advertise no Interest Charge or Finance Fee if your statement bill is paid in full every month, they still charged me a {$2.00} minimum interest fee on my XXXX bill. I called to complain. They were going to remove the {$2.00} fee but said that promotions are excluded from interest fees. When Lowe 's gives you 5 % off for using their Synchrony Bank Lowes Card, that is considered a promotion and subject to finance charges despite their written agreement.

5 ) By unfairly charging these fees, Synchrony Bank is ripping off customers. I have a very good credit score and pay my entire bills every month. If Synchrony does this for all their customers, it would add up to a lot of money their bank is getting by defrauding its cistomers like this.
Product: Debt collection

The company LVNV FUNDING LLC has attempted to collect a debt. I have never done business with this company. I have made attempts to have the account removed from my credit report and it has not been removed and is negativing impacting my credit.
Product: Credit reporting or other personal consumer reports

The following personal information pertaining on my credit report are not mine. Please remove them, I have submitted a complaint to the bureaus multiple times. I have listed the the inaccurate personal information for your reference. 

Inaccurate Addresses : XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX old name ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX # ( XXXX ) XXXX My ex wife lived at this apartment and became behind on her rent. She was not evicted nor was I. The apartment was paid the past due rent and she moved out in XXXX of 2015, with all bill paid and current. The property allowed her to pay the rent and accomadting the late payments. There was never an eviction to move. The property recinded the eviction and did not update, that payments where paid and no eviction occured at the property. XXXX County Court XXXX XXXX XXXX XXXX County Justice of the Peace XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). I dont live in XXXX Texas, I live in California and was in the military when this judgment was entered. Under the SCRA she was allowed to move in XX/XX/2015. Theres an amount of {$2600.00} that was already paid to the propert in 2015 for past due rent. There was no eviction. Please contact the property and correct the court records and remove this from XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Lexis Nexis. Case # XXXX XXXX County
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611 ( A ) ( i ) promptly delete the item if the information is found to be inaccurate or incomplete or can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consume reporting agency can not furnish a account without my written instructions. 

XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to express my dissatisfaction with the recent issues I've encountered regarding my credit report access account from Equifax. Despite multiple attempts to resolve the account issues, the problems remain unaddressed. 

Specifically, I have contacted Equifax to resolve the issue, but their agents simply respond that the issue has been escalated to technical department. However, after months and multiple inquiries for the same problem, the account access has not been resolved nor the technical department has ever reached out. 

I request that my account access login be made available. 

Thank you for your understanding and cooperation. 

SincerelyXXXX XXXX
Product: Credit reporting or other personal consumer reports

NCB MANAGEMENT SERVICE- {$4100.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX - {$900.00} XXXX XXXX XXXX - {$2800.00} XXXX XXXX XXXX - {$990.00} XXXX  I am a victim of fraud, and I did not authorize these accounts to be opened. I am requesting this that the credit bureau investigate these accounts and remove them from my credit report. 
Please Delete all inaccurate information & respond to this letter within the next 30 days with the status of the investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

equifax is reporting a debt that is fraudulent. i contacted XXXX XXXX bank of which they said they have no record of my information. i want this negative item removed.
Product: Credit reporting or other personal consumer reports

I do recognize these lenders and did not authorize them to perform a hard inquiry. 
Please remove them from my credit reports immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Exeter finance is the company that I complaining about. I have been going through financial hardship. I currently being harassed every day for a payment, and I have told them the hardship. I have also told them I am currently using my car to make money to pay for my expenses. I have even asked to redo the loan agreement, They have harassed me for 3 months straight every day for a payment. I have told them that I have been going through a Financial struggle. So they decided to repossess my car. I would like to know is there any thing I can do to get my car back. They are asking me to pay XXXX dollars in order to get my car back.
Product: Credit card

I am writing to request further review and assistance regarding my ongoing dispute with Citi, documented under CFPB XXXX # XXXX. Despite my efforts to resolve the matter directly with Citi and the merchant, a fair resolution has not been achieved. 

The dispute involves a charge of {$1000.00} from XXXX XXXX XXXX XXXX on XX/XX/XXXX. Citi issued a partial credit of {$340.00} on XX/XX/XXXX, leaving a remaining balance of {$700.00}, which I continue to dispute. 

Key Issues : XXXX. Failure to Act on Reopen Request : I formally requested Citi to reopen the dispute on XX/XX/XXXX, due to the merchants unfair handling of the return. While Citi confirmed that a request was sent to the merchant, the dispute has remained pending without resolution since then. 
2. Lack of Full Refund for a Defective Product : The item purchased was defective, and the merchant charged a 20 % restocking fee that was not disclosed prior to purchase. Despite providing documentation, Citi has refused to issue a full refund or take further action.

3. Merchants Refusal to Negotiate : Efforts to resolve the matter directly with the merchant have been unsuccessful, as they have refused to negotiate or provide a full refund.

4. Citis Failure to Protect Consumer Rights : Citi has denied my request to reopen the dispute for the remaining {$700.00}, citing the merchants refusal to issue further credits. I believe Citi has not thoroughly protected my consumer rights under Regulation Z of the Fair Credit Billing Act ( FCBA ), which allows disputes for defective products or services not delivered as promised.

Arizona Consumer Protection : Under the Arizona Consumer Fraud Act ( ACFA ), consumers are protected against deceptive practices in the sale of merchandise. The act prohibits misrepresentations and concealment of material information in connection with the sale of merchandise. The merchants failure to disclose the restocking fee and refusal to provide a full refund for a defective product may constitute violations of the ACFA.

Financial Hardship : As a single mother struggling to make ends meet, the burden of paying an additional {$700.00} for a product I no longer have is extremely heavy. This unresolved charge has caused significant financial strain, and I am requesting urgent assistance to resolve the matter fairly.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX Balance Owed : {$XXXX0} NAVIENT XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX0} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX XXXX Balance Owed : {$XXXX}
Product: Debt collection

I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was pre-qualified for a home loan and when they pulled my credit, all 3 credit bureaus reported my scores. My main credit card is through XXXX XXXX. Now that we are closing, Equifax is no longer reporting that I have any existing credit, and it is causing serious problems with my mortgage. 

On XX/XX/XXXX, Equifax said the problem was that my birth date was missing on their end. We verified it was fixed. On XX/XX/XXXX, they said it was because XXXX  was not reporting to them. XXXX  has confirmed on multiple occasions that they are reporting to all 3 credit bureaus including Equifax. On XX/XX/XXXX, this issue is still going on and holding up closing. Both XXXX XXXX  and Equifax maintain there is nothing they can do. XXXX XXXX  says they are reporting it ( which they have been since XXXX ), and Equifax is saying they can not see it and the bank must have removed them from reporting. 

I have spent hours on the phone with both companies, both of whom are denying responsibility. There other two credit bureaus are receiving the reporting from XXXX, and Equifax used to have this line on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Designed Receivables account with XXXX XXXX XXXX XXXX is reappearing and reporting a collection account of {$89.00} that was previously disputed in 2014. All credit reporting investigate along with the receipt for payment to XXXX XXXX XXXX XXXX as paid in full and remove from all credit bureaus. Now designed receivables is still reappearing on all credit bureaus reporting lowering my credit scores. Along with them is the XXXX credit cards that received their payment and reporting as late pay on all credit bureaus reporting, my credit scores. Please investigate and correct my reports. Thank you. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, over 60 days later, I have not received a response. I feel like I am being taken advantage of and my disputes are being ignored. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress that this ordeal has caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report, I found that under section 605b ( a ) TransUnion shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9800.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9200.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3200.00}, and XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$420.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 1681s-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 reporting, credit repair services, or other personal consumer reports

I have been trying to dispute a XXXX debt progressive insurance placed on my credit report for months. I Contacted the insurance company to try and obtain information and some kind of documentation showing me how this account was opened. I have had the same insurance agent with XXXX XXXX since XXXX. I have never owned a XXXX. The other name listed isn't me. I have submitted proof of my insurance throughout that time but they tell me the info is valid because they have my social and birthdate. They admit policy was set up completely online with no face to face meeting or signatures completed. They referred me to the creditor who basically says the same thing. Denies having any ability to provide reasonable proof of my ownership to this account and also has recieved my proof of other insurance as well as a police report made within the time frame of unauthorized opening of debit card accounts in my name. They refer me back to progressive and telling me I should just pay the money for this account that I'm begging them to understand is not mine and was opened fraudulently. Throughout the whole ordeal I'm filing multiple disputes that are being declined. Then they agreed removed the report my credit score increased however days later they again put the report on my account now using the current date of XX/XX/XXXX meaning I have to wait 2 more years for it to be removed from my credit file. Now it looks like the debt was from today and they have blocked me from being able to do any further disputes. Unfair.
Product: Credit card or prepaid card

I tried getting my old account with XXXX XXXXcashapp closed and the funds transferred to my new account. However the company refused to do this! Ive explained that my card along with my vehicle, wallet and both phones were stolen in an armed robbery and offered the case number as well as the phone number to the police for verification. The company still refused after telling me to create another account which would then allow them to close my old account and transfer funds! This did not happen!!!
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX. 

I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ). 
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

2. account name- XXXX XXXX XXXX account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 
3. account name-XXXX 
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.

15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions. 
delete this account immediately, unless you want to be held accountable {$1000.00} per violation. 

Most Sincerely, XXXX XXXX