23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I previously filed a complaint against XXXX XXXX on XXXX which XXXX XXXX falsely claimed that I had used an insurance card at doctor visit when in fact I received a " self pay '' discount and did not use an insurance card. XXXX XXXX has now come back to me requesting that I complete a " identification fraud '' form, however this is bogus since I never requested Colorado XXXX XXXX to perform a lab test and I never received any lab report from CLS for alleged lab services. The amount of {$200.00} has been reported to credit reporting agencies in violation of state and Federal law, and XXXX XXXX has NOT removed this false report from my credit history. Further, XXXX XXXX in their response to XXXX claimed that the alleged charges are reasonable but I found that CLS, a member of XXXX XXXX XXXX XXXX is generally XXXX to 35 % higher than other Colorado XXXX labs such as Quest, XXXX, or the XXXX Hospital or XXXX XXXX labs. The primary complaint is that I did not order the lab tests, would have been self pay if so ordered, and I would have used a cheaper but competent lab. This debt is FRAUD, and XXXX XXXX should be charged with FRAUD.
Product: Checking or savings account

Chase informed me that they have restricted and probably will close all 3 bank account.

When I tried to get information the branch explained they cant tell me. The service number the same. 
Its unbelievable, that one of Amerika largest banks can handle there customers like this.
Product: Credit card or prepaid card

Received letter XXXX from Synchrony bank stating credit card has been closed. It states the reason is " Activity on account ( s ) with Synchrony Bank indicative of high risk of failure to pay ''. As the date of closing, we have {$580.00} of cash back. When we called, Synchrony bank stated it is gone since they close the account. We ask that makes no sense and reason is not legit as the account has been opened only 2 months. The credit limit on card is {$15000.00}. The balance on XX/XX/2021 was {$9900.00} with due date of XXXX. The entire balanced of {$9900.00} was paid on XXXX ( see transaction detail on next statement ). The next statement the new balance was {$0.00} as we charged we paid down before statement close date. So in the total history of 2 months, the balance was {$9900.00} paid in 3 days or 20 days before due date. The next statement balance was XXXX. Does that sound like high risk and not to mention per their website the credit score is XXXX ( see attachment synchrony credit score ) which they rated as excellent. Information was provided to customer service and they were rude and now they stated we can close account for any reason. So is closing account based on race okay and being a woman? According to them it be okay since any reason. 

How can a credit company provide $ XXXX in credit and close our account and took our {$580.00} cash rewards when the average statement balance is {$4900.00} over 2 months and it is paid within 3 days and 20 days ahead schedule. If you run credit, we have plenty of cash to pay the balance. If paying off credit card 20 days ahead due date ( 3 days after statement ) is that consider high risk? If so majority of all credit card customers would have their accounts closed. If this is not discriminating, please state why XXXX is high risk? You stated her XXXX XXXX is excellent at XXXX equity is in the 7 figures.
Product: Credit card or prepaid card

I applied for a business credit card with chase bank on XXXX XX/XX/2022 and was denied because of my personal credit witch I believe that not fair since they are two different types of credit chase bank didnt explain anything to me in reference to this matter and I want some answers
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX XXXX {$1500.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$1600.00} XX/XX/XXXXXXXX XXXX XXXX {$1900.00} XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX {$2100.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$460.00} XX/XX/XXXX XXXX  XXXX {$15000.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX {$350.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$490.00} XX/XX/XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX  XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I closed my Discover Card account in XX/XX/XXXX. Discover Card continues to access my XXXX   credit report and look for my SSN online, without my permission. I have tried multiple times to get them to stop accessing my credit information but they continue to do so. I've called multiple times to stop this, the latest conversation being at the end of XX/XX/XXXX, where they swore they were no longer looking up my info, and yet I received another email on XX/XX/XXXX saying they had been monitoring my credit report/SSN activity. 

They do not have my permission to do this, I am no longer a customer, yet they continue to look into my private information without my permission.
Product: Credit reporting or other personal consumer reports

I was in the XXXX  fight for my life with XXXX  from XXXX of 2022 to XXXX of 2022 i had not access to the internet and no one had access to my accounts. we let ally auto know of the dire situation and they agreed to give me grace and pay balance in full upon discharge which i did. they agreed to not mark it as late and further agreed after to remove it from my XXXX  report and they did not. XXXX has removed the late payment and has XXXX percent payment history and i need XXXX  to do the same. ally auto keeps saying they will and havent. please correct this asap as im trying to get approved for a home.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment that was 30 days late as of XX/XX/XXXX. I had originally made a purchase with my Macy 's credit card using the deferred payment and interest option. I set automatic payments so that the balance would be paid in full before the deferred interest period expired. I expected the card to be paid in full in XX/XX/XXXX. 

I noticed that there were unauthorized charges on my credit card in XX/XX/XXXX. I contacted the company immediately upon noticing these charges. The company opened an investigation and confirmed that these were unauthorized charges and removed them from my account. 

While the investigation was ongoing, payments that I made that should have been applied to the promotional deferred interest balance were being applied to the fraudulent charges. The result of this was that all of the deferred interest was then added to my account balance. 

I contacted the company about this as well and they agreed to removed these deferred interest charges. However, because the fraudulent charges caused the deferred interest to be added there was a balance showing on the account past the date I authorized payments. 

The company has agreed to remove all charges, apply my payments correctly and update the credit bureaus that there were no late payments. As of today, the account balance has been updated to properly apply payments to the correct balance and to remove the fraudulent charges however after the company has agreed multiple times to update my credit report to reflect that there were no late payments, it still has not happened. 

The case number assigned by the company is XXXX
Product: Credit card or prepaid card

Here is my original complaint #, with XXXX satisfaction :. 
XXXX The " company response '' was to send me a another " late '' bill with an added XXXX " late '' fee. They still can not accept payments online, through their app, or via phone.. I am not paying any of these fees, they're all as a result of their payment processing failure/non-existence, seems like a pretty good scam to me.. I want the account closed and their illegitimate fees withdrawn.
Product: Money transfer, virtual currency, or money service

Can't recover Paypal to get access to my XXXX XXXX stimulus payments
Product: Credit reporting or other personal consumer reports

Under section 15 u.s.c. 1692c the law clearly states Of a consumer notifies a debt collector that the consumer refuses to pay a debt the collector must cease all communications. Which includes credit reports because thats a form of communication
Product: Mortgage

In XX/XX/XXXX, I entered into a loan modification. I also was given a consumer protection attorney in my area. The modified amount was {$88000.00}. In XX/XX/XXXX, {$70000.00} of this loan became a debt cancellation but was later renewed as a new loan. Under this premise, a balance of about {$18000.00} was due and owing on the loan. 
The cancellation placed the fair market value of the home at {$74000.00}. Ex. " A '' On XX/XX/XXXX, the loan servicer sent the attorney a payoff statement where it indicated the principal balance was {$88.00}, XXXX plus {$610.00} in interest, plus escrow of {$280.00} and court fees of {$530.00} for a total of {$89.00}, XXXX. Monthly payments of {$610.00} per month plus interest of 3.75 %. 

1. The servicer alleges that the interest amount and the monthly payments are identical. 
2. Page 2 gives the interest breakdown for XX/XX/XXXX through XX/XX/XXXX. Per diem being approximately {$9.00} per day justifies a {$270.00} interest payment for XX/XX/XXXX and XX/XX/XXXX and the remainder of {$64.00} due for XX/XX/XXXX, which is an indication that every third month, the interest should be {$64.00} {$270.00} is 44 % of {$610.00} ; {$64.00} is 14 % of {$610.00} and 3.75 % of {$610.00} is {$23.00}. What is the understanding of the interest? Is the interest on the monthly payment or the loan balance. Even if its on the balance, the servicer alleges that {$610.00} is to be divided by 3 months with the third month substantially less than the first two. 
The second issue is : a total amount of interest is always included in most loans even when the percentage of interest is calculated. 
Here it's not. 

The consumer protection attorney who provided the documents that I'm providing you, filed a complaint in federal court and then dismissed the complaint alleging that no issues existed. He accepted a {$5000.00} settlement that he did not explain what it was for with me receiving a final payment of {$1000.00} ; I disagree and filed this complaint. 

Fraud is an issue here. In XX/XX/XXXX, the servicer states a balance of {$89.00}, XXXX. Each month, from XX/XX/XXXX til XX/XX/XXXX I paid {$650.00} mortgage payment. {$650.00} x 12= {$7800.00}. {$89.00}, XXXX, XXXX= {$81000.00}. XX/XX/XXXX til XX/XX/XXXX, I paid {$650.00} x 8= {$5200.00}. {$81.00}, XXXXXXXX= {$76000.00}. 

On XX/XX/XXXX, PHH Mortgage Services notified me that the servicer has joined with that company. It also advised me that the balance on the account stands at {$86.00}, XXXX. This means that a grand total of {$3200.00} has been applied out of 24 payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX, Chase and XXXX  XXXX have 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 reporting agency can not furnish account without my written instructions.

15 USC 166B : 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: Checking or savings account

Two checks for repairs were issued by insurance company to customer. Both checks had customer 's name and repair facility 's name on them. Customer was allowed to cash both checks with only customer endorsement. Now customer refuses to pay balance owed to repair facility.
Product: Checking or savings account

XX/XX/XXXX I began to see unauthorized charges from XXXX come out of my account so I called to discuss it with someone by the name of XXXX. She proceeded to basically tell me there was nothing I could do about it until my account was brought out of the negative. So I then asked her to close my account and I would pay the negative balance and dispute later. She advised she could close my account but if XXXX continued to try to charge whatever they were charging it would open back up and they would continue to allow the charges to go through and charge me {$38.00} in NSF fees for each charge. I called numerous times after this in attempts to salvage my account but with all the NSF fees I could no longer afford to. There was no assistance disputing anything, no flag put on my account or anything. I ended up opening an account with the bank I work with now and waited for some type of collection activity to take place so I could dispute it, which never happened. Fast forward to XX/XX/XXXX I had to face compass again because my income tax check was sent to them in error. I attempted to call and explain what happened and was told to go to a branch to discuss it. Went to the branch to discuss it on XXXX and was told they were going to keep my income tax money and that the only thing I could do was file a police report for the invalid XXXX charges and they don't know what will happen after that. So still a year later and no resolution. I had my account in good standings with this company for 10 plus years and this is the treatment I recieved. They've done this to numerous individuals even some I know personally. This company needs to be addressed for their deceptive and unfair treatment of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating my federally protective rights accordance to the FCRA. I reached out multiple times via phone, mail and cfpb, for months about inquiries I did not authorize nor did they have my written instructions nor permissible purpose and Transunion failed to dispute or investigate inaccurate, false the information. There are several of the same inquiries which makes no since. I provided a FTC report and they said they do not accept those which will be in violation of 15 USC 1681. Provide me with the Method of the verification letter stating the method used to determine the accuracy and all documents and full proof including every employee contact information, that you received on behalf of the following inquiries. 
XXXX. XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX ( XX/XX/2022 XXXX. XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  XXXX XXXX  ( XX/XX/2022 ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX
Product: Mortgage

Re assistance application for WellsFargo Equity Line XXXX My husband I have been applying for mortgage assistance on the above equity line from XX/XX/2015 when we applied for modification on the XXXX mortgage. We have submitted paperwork so many times and talked with so many Wellsfargo representative that we have lost count. 
We were initially lied to by a Welsfargo phone representative last year that the bank was going to evict us and had us spend all our emergency funds of over {$70000.00}. To-date we are still struggling with getting assistance or a solid answer from the bank. 
Today XXXX XXXX called us to say the bank was not going to offer any assistance because we are facing a hardship but he could help with liquidation. This is after month of interaction and paperwork. We can never get a straight answer nor does the banks representatives answer emails. Please advise.
Product: Checking or savings account

Certegy Check Services {$410.00} XX/XX/2019 Merchant who uses Certegy service- XXXX XXXX , Kentucky They declined a check at a merchant when there were sufficient funds to cover the transaction. Upon being questioned why the check was declined they refused to give a legitimate answer the only answer they could come up with was that the transaction was denied based on the possibility that the computer algorithm they use deemed it necessary. They went on to further say that this had nothing to do with my credit worthiness or my account balance. This is a fraudulent service that uses no basis for their facts. And then they went on to further say that there was no way possible for them to reverse the actions that they have done by denying the check. Please shut this company down and protect the American public
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and fix 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
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Please read the attached letter I wrote to the AZ Attorney General regarding the fraudulent loan between XXXX XXXX and Credit Acceptance Corp on XX/XX/2018. 

This is a fraudulent loan and auto dealer fraud against me the consumer. Consumer Fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years, XXXX began reporting that my loan was charged off when I actually paid it off. They reported to Equifax. XXXX corrected the issue on 2 or 3 occasions with oversight from Texas XXXX.

I was denied credit today as Equifax is reporting an XXXX foreclosure and negative in city from XXXX. I have never heard of XXXX.

I need this matter corrected immediately.

Kind regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday, XX/XX/XXXX, I opened a dispute against the XXXX Department of Education because they sent a letter stating my student loans were XXXX. Yesterday, Monday, XX/XX/XXXX, I received an email from Experian that my dispute was verified, and the creditor verified the information as accurate. There is no absolute way that my dispute was verified over the weekend if it was filed after hours on a Friday. I also submitted proof ( a letter sent to me from the XXXX Department XXXX XXXX XXXX, and a representative from Experian stated that the letter was not used to verify my dispute. This confirms Experian is not lawfully verifying disputes and illegally denying claims.
Product: Consumer Loan

I got a loan in 2008 and I am still paying. I will never get this paid off. It was financed for 7 years and at the end of that I was told I still owed money. I have been paying on this car for 9 years!!!
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 section 602 A states I have the right to privacy. 15 U.S.C. 1681 604 A section2 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 and 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.