23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I signed up for an XXXXXXXX XXXX XXXX XXXX  credit card on XX/XX/XXXX. However, I never got the physical credit card, but I was still able to use it by providing other information. I had barely used the card. On XX/XX/XXXX, I received a phone call from a customer service representative that demanded credit card payments be made. At the time the balance was {$50.00}. I told the representative that I would struggle to make payments and asked her if she could just close the card account. For clarity, when the phone call started, she said 'All calls are recorded. ' I thought the issue was resolved. I then went to the XXXX in XXXX and XXXX to buy some clothes. The first time the cashier asked me 'if I was a member ' I replied 'yes ' and entered my phone number and got a discount. In XX/XX/XXXX, I got another call from XXXX XXXX XXXX XXXX saying that I owed a balance of {$180.00}. I was confused and paid the {$70.00} to avoid interest. I even tried My address has changed because of school and I changed phone numbers, so I did not receive any information of payment through my email. Today, I owe {$440.00} because of the accumulation of interest and fees, and my account has gone into collection. I contacted the collection agency Midland Credit Management about the misunderstanding and the best they could do was take % 20 off of what I owed. I asked them if I could further dispute this and they discouraged me to. They took down the 20 % off offer when I told them that I was going to try and dispute this.
Product: Credit card or prepaid card

This complaint is regarding Synchrony Bank dba Carecredit. I received a line of credit for {$1000.00} for a pet care emergency on or about XX/XX/XXXX. As of XX/XX/XXXX- my credit score has improved, my savings has gone from {$0.00} to {$45000.00} and we were recently approved for a $ XXXX loan. XX/XX/XXXX, out of the blue, Synchrony Bank sent me a notice that my credit card was being terminated due to poor credit history, etc. That makes no sense when my income, credit score and savings are superior to what they were when I received the emergency card. The credit balance was paid off before the end of XXXX. When I spoke with Synchrony, they said the denial wasn't specifically from Carecredit, it was from Synchrony Bank deciding XX/XX/XXXX that I am no longer credit worthy, even though they were paid timely. Compared to the other lenders and creditors I have, Synchrony Bank claiming that I have credit too poor to even keep the credit card that they already issued seems suspicious. I am also concerned that this may negatively impact my credit at a time when we've been improving in order to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and i went through a financial hardship due to her being XXXX  fall of XX/XX/XXXX. We went from two incomes to one. As a result we were a few days late on payments a total of 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Besides these times we were on time for the prior 10 months. This damaged our credit and will possibly impede on our chances and rates on getting a home. We reached out to the bank and they responded saying they do not have a forgiveness procedure.
Product: Debt collection

For the past 2 years I have Disputed this account that is not mine. I have been disputing this for over a year by certified mail. My last dispute was on XX/XX/2017 and I am yet to hear a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Well i just sent you all a complain against XXXX about not been far under the fair credit report act ... XXXX stated that they let me know and they didnt valid and let me see a where i sign to give these people permission to run my credit i file a credit freeze several times and they never got back with me about the freeze it should work like this if u have a credit freeze on your report they shouldnt let your credit be ran and contact u to see if u gave them permission to ran your credit they are breaking all type of federal laws if you all look at the time i put the freeze on my credit my credit was ran i HAVE XXXX XXXX XXXX XXXX AND THIS IS STRESSING ME OUT WITH THESE PEOPLE THAT BREAKING THESE FEDERAL TRADE COMISSION LAWS THAT WAS PUT IN PLACE TO FOLLOW FEDERAL I HAVE XXXX XXXX XXXX. I HAVE OTHER MEDICAL ISSUES AND THIS I DONT NEED TO BE GOING BACK AND FORT ... CALLING THEM AND DISPUTE ITERM AND IT DONT MOVE NO WHERE I NEED TO SEE A SIGNIFICANT WHERE I SIGN THESE DOCUMENTS GIVING THEM PERMISSION TO RUN MY CREDIT AND JACK IT UP ON INQUIRES SIDE AND CREDIT
Product: Credit card or prepaid card

My card account was closed 8 days after payment was due. I had not missed a payment prior. An automatic payment in full had been attempted and failed due to a held deposit in my checking account. I was not aware of this issue until the Capital One sent me a fraud letter outlining their closing of my account ( 8 days after the payment due date ), cease and desist and a demand for payment in full. There was no response when I wrote the company and the customer service was unreachable ( over 6 hours in total on hold ). Previous payments had been on time and in full. My credit limit had also been increased during my contract. I find this not in keeping with my card agreement and the lack of communication/customer service is unconscionable.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cashapp due to inadequate customer service and unfair practices which violates the consumer financial protection act
Product: Credit reporting or other personal consumer reports

Source Receivables Management has reviewed the consumer inquiry. We are a third-party collections agency working on behalf of the current creditor of this account, XXXX XXXX XXXX XXXX This account ending in XXXX was placed in our office on XX/XX/XXXX to collect on the past due balance of {$2700.00} for the T-Mobile account ending in XXXX. We mailed out notice of the debt on XX/XX/XXXX. Additionally, we mailed out instructions to complete a fraud packet on XX/XX/XXXX. According to our records, this account was opened on XX/XX/XXXX and cancelled on XX/XX/XXXX. The last payment on the account was for {$170.00} on XX/XX/XXXX. 

This company is putting a debt on me that is not mine and makes no sense above is the letter they sent me in response to my dispute. Which states the account was open on XX/XX/XXXX and closed XX/XX/XXXX. Last bill on XX/XX/XXXX. Which those dates make no sense if account was opened XX/XX/XXXX. How can last payment be XX/XX/XXXX. It also says account was closed on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has a history that began in XXXX. Initially founded as a holding company by the XXXX XXXX XXXX XXXX, a subsidiary of the XXXX XXXX, TransUnion started as a XXXX XXXX business with limited involvement in credit reporting. However, in XXXX, TransUnion made a move into the credit reporting industry with the acquisition of the Credit Bureau XXXX XXXX XXXX. TRANSUNION has come into existence in XXXX, however consumer reports have been around for centuries. TRANSUNION is not a Government Entity but is regulated and demanded to perform under Government Law with RESPECT, INTEGRITY and ACCURACY to the consumer. Congress within the FCRA has clearly and directly classified TRANSUNION as an ELABORATE MECHANISM who has ASSUMED its role ( 15 USC 1681 ( 2 ) ( 3 ) to gather my personal identifying information and furnish a consumer report without my consent nor PERMISSIBLE PURPOSE 15 USC 1692b. TRANSUNION you have abused me by violating my Federally Protected Right to PRIVACY and have furnished information on my behalf without permissible purpose as CONGRESS has demanded you TO ESCLUDE INFORMATION and you have WILLINGLY without LAWFUL GONGRESSIONAL AUTHORITY have chosen to furnish negative information on my behalf that has negatively impacted my reputation causing me to lose credit opportunities and the ability to EXERCISE MY RIGHT TO CREDIT which is a clear and direct violation under TITTLE 18 USC 242. This is a FACT because CONGRESS under the Fair Credit Reporting Act due to your abusive practices in your earlier years has clearly and directly demanded you to EXCLUDE ALL TRANSACTIONAL ACCOUNT INFORMATION INCLUDING EXPERIENCES from a consumer report see TITTLE 15 USC 1681a ( 1 ) ( 2 ). TRANSUNION YOU HAVE WILLINGLY WENT AGAINST YOUR CONGRESSIONAL DUTIES AND RESPONSIBILITIES AND WILLINGLY FURNISHED INFORMATION ON MY CONSUMER REPORT CONGRESS DEMANDS YOU EXCLUDE HURTING MY REPUTATION AND ABILITY TO EXERCISE MY RIGHT TO CREDIT FALLING DIRECTLY IN VIOLATION UNDER TITTLE 18 USC 242 FOR DEPRIVING ME OF A RIGHT. I HAVE REQUESTED IN ABUNDANCE TO HAVE THESE ACCOUNTS REMOVED UNDER CONGRESS REQUIREMENTS AND YOU HAVE IGNORED ME AND HAVE NOT SETTLED IN GOOD FAITH. I AM DONE DEALING WITH THIS ISSUE AND YOU ARE LIABLE UNDER TITTLE 15 USC 1681n AND TITTLE 15 USC 1681o FOR WILLFUL AND NEGLIGENCE HARM TO A CONSUMER DEPRIVING THE CONSUMER OF A FEDERALLY PROTECTED RIGHT VIOLATING TITTLE 18 USC 242. NOTICE IT IS A FACT YOU ARE ALSO UNDER VIOLATION OF REGULATION Z OF THE CFPB.
Product: Debt collection

My name is XXXX XXXX. On XX/XX/XXXX I received a letter from XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ). The letter stated that " We are trying to collect a debt that you owe to XXXX XXXX XXXX ''. There is a balance due to XXXX XXXX XXXX for the amount of {$14.00}, XXXX. The debt for the amount of {$14.00}, XXXX dates back to XX/XX/XXXX. 

Reference : XXXX. 

XXXX XXXX : XX/XX/XXXX. 

I, XXXX XXXX, Do Not acknowledge this debt. I Do Not confirm the debt is XXXX have never dealt with XXXX XXXX XXXX. I have no idea how XXXX, XXXX XXXX XXXX XXXX XXXX obtained this false information. 

This debt/account is not listed on my credit report. I do not have any debts/collections/payments with reference to XXXX XXXX XXXX. I would like to request XXXX, XXXX XXXX XXXX XXXX XXXX ( Debt Collector ) to STOP sending me letters with fraudulent requests to pay off the debt.
Product: Debt collection

Arizona Civil Case # XXXX - Portfolio Recovery Associates through their representing law firm in the State of Arizona, XXXX XXXX, XXXX, has filed a lawsuit against complaint-filing Defendants on XX/XX/2019 in XXXX County Justice Court XXXX XXXX District for a debt that does not belong to Defendants. 

XXXX XXXX, XXXX 's representing attorney proceeded to file an Amended Complaint on XX/XX/2019 with the Court and falsely misrepresented Defendants legal, marital status to the Court and has refused to correct the error. 

Said attorney has attempted to justify the misrepresentation through signed affidavit from Process Server, whose statements concerning marital status of Defendants are false and perjurous. Defendants ' legal marital status is single. 

Said attorney refuses to verify legal marital status with the appropriate State and Federal agencies and, by attempting to obtain a default judgment on complaint, is inviting the Court to participate in fraud and misrepresentation.
Product: Vehicle loan or lease

Credit Acceptance has been furnishing late payments on my credit report on a vehicle that I surrendered in XXXX. I spoke to credit acceptance about the issue back in XXXX and told them about the issue and told them I no longer have the car and the said the last location the car was known to be was the auto shop where I told them to retrieve the vehicle. I also have not been giving any notice that these late payments are going to be reported on my consumer report. these late payments have been ruining my consumer report and making it hard for me to establish credit and provide for my family and I.
Product: Credit card

Closed Synchrony bank credit card for Lowe 's when interest fees and fees for paper statements were introduced. Bill was sent for fees and interest and the next month fees and interest were added onto the original bill for fees and interest doubling the amount due. Asked the bank to reduce the account to {$0.00} so that fees and interest would not continue to accumulate. Company removed all fees except {$1.00} for paper statement. I paid off the {$1.00}. this month, another statement was mailed to me. STOP. Account has been closed.
Product: Credit card or prepaid card

I was tricked by XXXX store in XXXX, XXXX into getting a credit card with XXXX XXXX. A fraudulent credit card was opened on my name without my consent. 
Details : I was checking out at the store and paying with my debit card when they offered a 'store card ' for a 15 % immediate discount. No word " Credit card '' was used. I accepted for what I thought was a loyalty card and signed. The store manager had my debit card in their hands and was doing some operation with it our of my sight, so I did not realize they never charged my debit card and the purchase was on credit. A month later, I collected my mail and found out that XXXX subscribed me for a credit card. The mail from XXXX XXXX says that I HAVE TO shop at a store monthly or I will be charged $ XXXX monthly. I signed-in online with XXXX XXXX to cancel the card - but there is no such option. I contacted XXXX, but they refuse to help.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Bank is currently showing one late payment on XXXX for XX/XX/XXXX which I explained that I was affected by XXXX XXXX, and this should be XXXX  protected. Equifax is showing one late payment for XX/XX/XXXX which should be XXXX  Protected, and XXXX is showing two late payments on my credit report but only the XX/XX/XXXX is visible for which should be Covid Protected. This is a violation of my rights under the Fair Credit Reporting Act 15 US Code 1692 Congressional findings and declaration of purpose ( A ) Abusive Practices There is abundant evidence of the use of abusive, deceptive and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to martial instability, to the loss of jobs, and to invasions of individual privacy. 15 US Code 1666b- ( A ) Timing of 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 and delivered to the consumer not later than 21 days before payments due date. XXXX XXXX Bank sent me a letter advising that late payment for XX/XX/XXXX and XX/XX/XXXX were done in error and will be removed from my credit report but every time I dispute it with XXXX, XXXX, and Equifax they keep stating that the late payments are accurate. I'm not sure how ethical it is to just reply that the late payments are accurate if the company itself is saying that the late payments were reported in error. Please remove from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX agreed to remove late payments that were reported in error from XXXX of XXXX - XXXX of XXXX. However, they reported us late in XXXX also. I made a payment to XXXX XXXX XXXX on XX/XX/2018. According to a letter I received from to XXXX XXXX on XX/XX/2018, XXXX XXXX XXXX sold the loan to them on XX/XX/2018. For some reason XXXX XXXX XXXX reported us late only to Equifax in XXXX. Now, Equifax is refusing to remove the late because they say they need a letter from XXXX XXXX XXXX even though we sent the the letter from XXXX stating the loan was sold on XX/XX/2018 and the letter from XXXX XXXX XXXX stating the lates were reported in error. The two letters were uploaded to them, Equifax, and they are saying it is " A '' letter from both companies and they can not accept it. Please see attached documentation. I hope this does not delay the " investigation '' that is going on between Equifax and XXXX XXXX XXXX  as we are trying to get this resolved and close on a new house by XX/XX/XXXX. I have combined it into one file and also individually.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the failure of XXXX, Equifax, and XXXX to properly investigate and address inaccuracies in my credit report, despite my previous submissions of accurate and up-to-date documentation. 

On XX/XX/year>, I submitted a report to the Federal Trade Commission ( FTC ) concerning fraudulent accounts incorrect addresses and inquires on my credit report. Along with the copy of ftc report, I provided XXXX, Equifax, and XXXX with a copy of my driver 's license, a utility bill, and a bank statement to verify my current information. However, these credit reporting agencies have failed to conduct a proper investigation, and the fraudulent accounts and incorrect addresses remain on my report. 

These inaccuracies are negatively impacting my creditworthiness, making it difficult for me to apply for credit and other important financial opportunities. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these inaccurate accounts and addresses be promptly removed from my credit report. 

Thank you for your prompt attention to this matter. I trust that the CFPB will ensure that these credit reporting agencies comply with their legal obligations to conduct a thorough investigation and maintain accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my address nor do I have any debt located at this address. 

XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Address Identification Number : XXXX
Product: Debt collection

Received a call to my personal cell phone that was intended for my husband from a " mediator '' on behalf of their client. The mediator stated she was calling for Miller, Davis and Peoples for a debt that my husband owed which is over 10 years old, proceeded to tell me that the statute of limitations still allows them to collect on this debt. I asked her why my husband had not been " served '' with court papers, and she responded that he had, but it was a bad address. Which I know to be completely false. As I searched online, I found this was a scam and dozens of people have been conned, I asked her if I could settle his debt on his behalf to see what she would say. She then placed me on a brief hold and responded " yes, you can settle his debt. '' At which point I told her I had searched online and found that this was a scam and that not only was I going to place a complaint with the FCC, but also with the XXXX and on the Consumer Finance Website for the government. She became very irate and screamed at me that they would " serve '' my husband with papers to collect this debt. She then hung up on me. 

She spoke very quickly, and I assume the company who does this, speaks in this manner so as to confuse and worry the people they are contacting. I am sure that there are elderly people who are receiving these types of calls and who are swindled for money. Luckily, I am not so easily persuaded or intimidated. 

The phone number she called from is XXXX. I also found a link to all of the complaints regarding this company : XXXXPlease stop these people from doing further harm to others!!!
Product: Checking or savings account

Pending deposits for longer than usual. Not able to access full funds
Product: Credit reporting or other personal consumer reports

I am submitting a complaint against equifax for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the fair credit reporting act ( FCRA ). Despite providing the correct documentation to prove these inaccuracies Equifax has not fulfilled its legal obligations, under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C.- 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the 30 day period ( 15 U.S.C.-1681i ( a ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not been investigating the accounts I've disputed correctly. They use an electronic system that inserts the negative items although I have creditor letters advising Experian to permanently delete these items. I have been trying to buy a home and I can not due to Experian reporting accounts that have been previously deleted over 10 times!

I've submitted paperwork, I've filed complaints and I continue to dispute. They will not permanently remove these accounts causing negative impact. Something has to be done. I am ready to sue Experian. No other credit agency has these items listed but Experian somehow does.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to investigate the alleged collection in my credit file from XXXX XXXX XXXX. I do not believe the information they have on file is listed correctly. The information in my credit file stating that my alleged account with XXXX XXXX XXXX was overdue and had been sent to a collection agency is incorrect. I believe the problem is the result of a clerical error and should have been corrected long ago.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX  Was sent to the wrong person XXXX XXXX XXXX was took from my account XX/XX/year> XXXX XXXX was a atm withdrawal from my account Over XXXXXXXX XXXX  on XXXX was taking from my card from XX/XX/XXXX to XX/XX/XXXX Contacted support I didnt get any help it was just a blank move
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  should not be reporting to XXXX  ; Experian and XXXX that I am ( 30-60 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had moved and I contacted XXXX to update my current address which XXXX did not follow through with. I immediately contacted XXXX again when I discovered they had reported me late on this account. I was told by the representative at that time that if I paid the account in full that the lates would be removed. I have had a perfect payment history with XXXX. When the requested correction to my credit report still hadnt been made, I contacted XXXX again and I was told by that representative that they could not remove the lates. This is not true. The previous representative conveyed to me that since the requested billing address change error had occurred on their end, that I would not be penalized and that the late would be removed. Additionally, the late payment occurred during a grace period they extended to me because I was moving. This false reporting of lates is seriously harming my credit score and this line item needs to be removed and/or updated to report accurate information. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus as well as XXXX to fix this however, I have not been successful.