23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Not sure if I can list both problems, XXXX accounts with the same company on the same complaint, but here it is. 
I financed furniture from Ashley Furniture ( Synchrony Bank ) on XX/XX/XXXX. The furniture was not delivered until XX/XX/XXXX therefore payments started XX/XX/XXXX. Synchrony approved me for XXXX different furniture cards XXXX ) Ashley XXXX  and XXXX XXXX XXXX XXXX ( Ashley XXXX XXXX ). I had {$1400.00} XXXX  months same as cash, combined on the Ashley XXXX  card with {$4500.00}. My minimum payment, if I remember correctly started off about {$130.00} a month. I always paid more thinking the extra would be applied to the XXXX  months same as cash. I was never given an option or made aware of how the payments would be applied to both accounts. Knowing I was nearing the XXXX  month timeline, I contacted XXXX on XX/XX/XXXX ( by online chat ) to see what the balance was on the XXXX  months same as cash. I was thinking I had XXXX  months to come up with roughly {$700.00} to pay it off. I was told the balance was {$1000.00}. This is when they first dropped my credit limit. I have all the screenshots from the conversation. Next we come to XX/XX/XXXX payment. I was late, the only payment I have been late on, but life was really real at that moment. They charged me a late payment for XXXX which I paid, and XXXX for XXXX. Again I contacted Synchrony by online chat to get the XXXX late fee removed and the online chat operator waived the fee, so I paid my normal amount due. After they received the payment, they put the late fee back on. I refused to pay it, this is the reason why they say my account is in the negative all the while adding interest to an amount that they, at XXXX point took off my account, and have put this on my credit report. I also have all the screen shots from that online chat with my account summary where the late fee was waived and then reapplied to my account. Now on the XXXX XXXX  account, they say a payment was not made. I have bank statements for the entire time that no payment was missed. They keep telling me about there records. When trying to pay the XXXX payment, the online and phone system was stating the payment could not be processed. So I thought ... ..the phone payment called in on the XXXX actually went through. I was not aware and a payment was made by phone on the XXXX. Now they have added late fees and saying this account is in the negative. I have all bank statements. The XXXX payment was only {$54.00} and this bill is nowhere near being paid off. How could that be? I am expected to operate in good faith and integrity, shouldn't this fortune XXXX company be held to a higher standard in recognizing where they messed up. I have had it up to my neck with this company. I needed some dental work and discovered Care Credit is funded by this joke of a company and I whole heartedly refused. I will work XXXX jobs before I deal with this company again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All is being investigated by the ftc. Please see the attached ftc report, XXXX data breach file number, and my proof of identity. Remove the 2 collection accounts and the inquiries listed on the report.
Product: Money transfer, virtual currency, or money service

I purchased XXXX ethereum ( a type of cryptocurrency ) from Coinbase on XXXX/XXXX/XXXX which was added to my account. On XXXX/XXXX/XXXX I purchased another XXXX ethereum, which was never added to my account. I tried to contact them on multiple platforms -- their website, email and twitter message ( which they actually recommend ). I have not heard from them at all and they 've since deleted my case on their support website.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which my violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} Account Name : XXXX XXXX XXXX XXXX Account Total : {$40.00} **DUPLICATED INCORRECT** 15 USC 1681 Section 602 A States i have the right to privacy 15 USC 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 account without my instruction This is wrong i have been trying and do not get a response or proof for the last 4 months, this is hurting me wrong.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF HUMAN XX/XX/XXXXPLEASE BLOCK THESE ACCOUNTS PURSUANT TO FCRA 605C. I AM ALSO A VICTIM OF IDENTITY THEFT AND SECURITY BREACHES PLEASE ADD A FRAUD ALERT AND FREEZE AND OPT ME OUT. PLEASE USE THE NUMBER XXXX AND SEND ME A COPY AND CPFB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many inaccurate accounts appeared in my report. And I have already files the proper documentation for these accounts and have sent it to the bureaus but they did not correct them. Kindy see attached documents for these account I am complaining.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. 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 you responsible for your 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2019 I applied for credit card with XXXX XXXX XXXX. It was denied due to credit score XXXX. 
On XX/XX/2019 I requested credit report from Experian. Received credit report indicated " your accounts in good standing '', " never late '' and no issues. I don't have too few or too many loans. 
On XX/XX/2019 I called Experian and I was told that Experian did not provide credit score to XXXX XXXX XXXX on XX/XX/2019 ( just credit report ). 
On XX/XX/2019 I called XXXX XXXX XXXX and I was told that credit score XXXX was provided by Experian on XX/XX/2019. 
I have a very good credit report and it is not clear who and why created so low cretic score = XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a notification on XX/XX/year> of a data breach which has improperly shared my personal & credit information. The notice indicates that XXXX XXXX  and constituent Financial Business and Consumer Solutions , Inc. ( FBCS ), a third-party debt collection agency network was compromised and personal information was stolen by unauthorized parties.
Product: Credit reporting or other personal consumer reports

There were modifications made to this account When in fact it should be blocked from my account. They have failed to block this information from my account. The account is coming back verified but When I sent in a letter check for verifying this information there were modifications made from my own discovery. Which indicated to me there company isn't being honest and just updating the information " AS VERIFIED '' this account is FRUAD, there's no truth to these accounts.
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to open investigation in regards to accounts listed on my credit report. Being that they have gone past the 30 day mark and confirmation shows they have received my dispute over XXXX days ago, under Section XXXX ( XXXX ) ( A ) of the FCRA XXXX they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAINE & WEINER XXXX INSURANCE XXXX XXXX, XXXX Original Balance {$410.00} Past Due Amount {$360.00} Account is not past due and the company stated they would not place in collections once an agreement was made.
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX and XXXX ( Original Creditor : XXXX XXXX ) XXXX. 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 an 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 XXXX 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

Account has been duplicated. It should be XXXX account to XXXX not XXXX accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of certain fraudulent inquiries that have appeared on my credit report. I am a victim of a data breach, and I believe that these inquiries were made without my knowledge or consent. 
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the removal of the following inquiries from my credit report as they were not authorized by me : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

Eagle Recovery Services continues to contact me via phone. I have sent a cease and desist letter if there is an attempt to collect a debt to please forward proof VIA LETTER to a specific address. I have not received any letter. Now I continue to receive phone calls from this establishment when I asked for all phone contact to be ceased. 

I have received a phone call today XX/XX/20 at XXXX pm with a voicemail that is vague with no name except the business other than to collect a debt that does not exist. Per my cease and desist letter I will continue to file a complaint every phone call received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has a broken online system. I told them that they reported my account was closed at XXXX in which I don't consent to XXXX storing my information ever. Similarly, when I go to their website, the website doesn't work properly. The individual on the phone on XX/XX/XXXX hung up on me and refused to help. This is unacceptable.
Product: Bank account or service

BAC sent out my bill pay on XX/XX/XXXX vs XX/XX/XXXX due to the holidays, charged me an overdraft fee on XXXX/XXXX/XXXX despite the check not being cashed yet ( on XX/XX/XXXX ). I was told that is allowed in the disclosure. It should be illegal - if they have n't paid the check, how is it an overdraft? If I had mailed the check, it certainly would n't be an overdraft. Other banks do n't debit the account until the check is cashed. HORRIBLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reflected on report was deleted due to identity theft. Account was later resubmitted without my knowledge or consent. I then resubmitted identity theft documents and TransUnion is refusing to block the entry from report bearing my Social Security XXXX despite lack of verificationXXXXvalidation by alleged creditor and without complying with 15USC 1681a ( e ) consumer reporting procedures. Also, they are in violation of 1681a ( 2 ) ( i ) for reporting information solely based on transactions between the consumer and person making report.
Product: Bank account or service

While I was incarcerated between XXXX my neighbor deceided to steal XXXX from my TD checking account The check dated XXXX/XXXXXX/XX/XXXX was written to XXXX XXXX and signed by ( me ) XXXX XXXX ( and was cashed in her XXXX XXXX account ) But I could not have signed I was in jail and XXXX did not have a power of attorney. 
I reported this to TD Bank when I was paroled, and in XXXX 2014 I contacted TD to obtain a copy of this check I never gave XXXX permission to do this. 
TD refuses to prosecute XXXX and return the money, there response was " I had 30 days to make an inquiry or lose it '' TD was shown proof that I could not have known, but I have a letter from Investigator XXXX stating this. 
So I 'm out of the money
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information are being reported to my personal credit file. The XXXX, XXXX, and TransUnion XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Credit Bureuas have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681g ( a ) ( 2 ) states that every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer information on file and sources
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went online to Equafax to unfreeze credit on XXXXAccording to website..credit is now unfrozen, yet no company can run a credit check on me ... they get a response that my credit is still frozen.
Product: Mortgage

I entered into a XXXX XXXX in XXXX of XXXX with Bank of America and the forbearance concluded in XXXX of XXXX. The Forbearance agreement I entered into in XX/XX/XXXX stated that I would not be reported to the credit bureau. When the forbearance concluded I was given different options on how to pay the deferred money back. I choose to put it at the back end of the loan. The agreement stipulated again that based on XXXX  Forbearance guidelines this would not be reported to the Credit Bureau. At this time I applied for a XXXX  modification which I was told would only take 90 days but that took 6 months to complete because of unethical practices by Bank of America to try to drag the process on and ask for unreasonable financial information in order for me to stop the process. This is not new for Bank of America as they are being sued for the same practices from a XXXX lawsuit. After the 6 months I was informed that I was denied the mortification and that I could not appeal the decision. Days after the denial they reported the Forbearance balance which was put at the back end of loan to the credit bureau which violated our agreement.
Product: Checking or savings account

On XX/XX/year> I deposited a check that I received from a settlement to my CHASE Business account. A 10 day hold was placed on the funds as soon as I did that and this is not a new bank account so I was confused about it. 10 days pass and not only is the money released from the hold but i'm charged XXXX overdraft fees. I am guilty of XXXX overdrafts while waiting on my funds to process but the amount of time it took for the check to clear and what I got from the check was only half of what I deposited. THIS IS CRIMINAL, if thats not illegal enough for XXXX, afterwards I go to contact CHASE BANK on their website it clearly says XXXX XXXX 7 days a week I called them at XXXX as soon as I saw they had taken a XXXX overdraft fee and was told by a robot or AI I need to call during normal business hours. Now I'm not the smartest person in the world but how is XXXX XXXX still walking around freely????? I will send screenshots along with this message
Product: Debt collection

XXXX XXXX  XXXX Credit Card company feels that we owe them XXXX and we closed the card explained that the pandemic hit my family quite hard. The are not in my state but now have hired a debt collection agency called The Law Offices of Harris and Zide. They sent a demanding letter say we owe XXXX. They have options on this letter to dispute it but there is nothing to dispute. They can't harrass me the way they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my complaint to Lexisnexis. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act, XXXXXXXX XXXX XXXX XXXX XXXX violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reportinn agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a FTC report I received today XX/XX/2023 about the recent charges with EXPERIAN. Further stating, proving, and verifying their fraudulent practices and occurrences thereof.
Product: Payday loan, title loan, or personal loan

my wallet was stolen which had my id and social security card.They got a car loan in my name.
Product: Vehicle loan or lease

I pay my car note every other week. Last year they started applying my extra payments as principal only. I have to reach out to them every other week about my {$190.00} payment to be reallocated towards the next car note due. I asked for the latest payment to be reallocated and they said you can't pay more than 3 month 's in advance. I asked if they were refusing to reallocate the most recent Payne from XX/XX/XXXX and they will not give me a clear answer in writing. I have always had my car note paid at least 2 month 's in advance because you never know what will happen. The car note has been paid in advance since 2017 when the loan started the last year of service has been awful with them changing the terms and conditions in the middle of the loan.
Product: Mortgage

I have had NUMEROUS calls from my mortgage company, Wells Fargo whom I 've been a good loyal paying customer with for over 10 yrs. I got laid off from my job that I had when I applied for the loan. Shortly afterwards my husband passed away. I 've struggled ever since then. Wells Fargo  knows all this, I called to let them know. I got behind on some payments last year but got caught up. They did nothing but harass me the whole time but I let it go. I got behind  1  payment in  XXXX  last year and again they 're harassing me by phone because I 'm still behind. I 've had numerous calls from them day and night and while at work. I work with the  XXXX  in their homes and I was getting calls from them in front of my clients. I got approx.160 calIs since  XXXX . I do n't have exact number of calls but I do have phone records since  XXXX   XXXX  of this year, which I can definitely say I 've ha d 28 c alls since then. This has been going on for almo st 6 mo. B efore all this happened to me I never ever missed a payment. Also I 've been making over and above the normal payment to get caught up and I told them that but they wo n't stop harassing me. I can provide proof of harassing calls and proof that I 've paid extra to get caught up, upon request.