23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

This vehicle was paid off on XX/XX/XXXX ( please see reports ). The term date was XX/XX/XXXX, and in XX/XX/XXXX, they say I owe XXXX. This balance was from XXXX XXXX years ago. XXXX months ago, I asked Lincoln for All the paperwork, but I have not received anything. This is not effecting my loans drastictly. If you see also loan was paid 0 times late for XXXX. attached you will see they sent me title loan was paid ended in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was leasing a vehicle, and I turned the vehicle in early. They wanted me to pay a early termination fee in addition to the money I paid to cover the remaining payments of the lease. I paid the remaining lease payments, and they said I could pay the fee later so I did. They listed a late payment for a month I no longer was leasing. I was never late always on time and was given permission to make the fee payment at a later date. I called GM financial and they told me they dont see late payments on their end that they never reported a late payment however its on my credit report. In addition it does not show that it is closed it shows as a current account. Its on my XXXX credit report and possibly XXXX. Please help. I am trying to eventually remortgage my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Its been almost 4 months since I started disputing the inaccurate information on my credit report, I am not sure whats going on but I need these errors off my report as soon as possible. I requested for you to validate these accounts for I believe these are mistakes. The letter was sent on XX/XX/2021 but until now the mentioned negative items are still on my report nor have I gotten any response from you.
Product: Credit card or prepaid card

On XX/XX/XXXX, I saw a charge come through on my Discover card for something I never purchased from a vendor I have never done business with. It was a charge for {$1800.00} from " XXXX XXXX XXXX ''. I called Discover, reported that my card had been used fraudulently and that this charge was part of the fraud. They put it under investigation, never communicated with me again, and I just saw that they have resolved in favor of the vendor and are forcing me to pay. I have not seen any evidence that was produced to rule against me, and I am extremely unhappy that I am being required to cover FRAUDULENT charges.
Product: Debt collection

Request for Proof of XXXX and Removal of Debt from Credit Report I hope this letter finds you well. I am writing to you to talk about a matter regarding the debt listed on my credit report, which was XXXX and subject to a XXXX issuance. Per my records, I received a XXXX for the above debt, indicating that it was XXXX. However, despite this, the debt is still being reported on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I kindly request that you provide proof of the XXXX that was issued for this debt. I believe this documentation will support the removal of the debt from my credit report, as it accurately reflects its XXXX status. Please provide this proof within 30 days of receiving this request. If you are unable to provide the requested documentation, I respectfully request that you promptly remove the debt from my credit report. Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 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 never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

1. Received a letter from XXXX, XXXX stating that I owe a Paypal debt. Letter came on XX/XX/2022. 
2. Called company right away and they said I did owe the debt and they would not explain any of it to me. Also, I asked for proof of the debt and was told that was in the letter ( it is not ).

3. Told company that I NEVER had a Pay in 4 account EVER. They stated that I was still responsible for the {$620.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquires on my credit report of which I do not recognize and would like them to be removed due to the privacy act, and due to the lack of written consent to release this information to the credit bureau. 
XXXX XXXX Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX XXXX Date XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX  Date : XX/XX/XXXX XXXX, XXXX, Experian XXXX XXXX XXXX Date : XX/XX/XXXX XXXX, XXXX, Experian
Product: Mortgage

I just recently discovered that I had XXXX hard inquiries on my credit report which should have been reflected on my husbands credit report. In addition, he was led to believe that they would be soft inquiries since everything was internal.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is emphasized that consumer reporting agencies have a duty to operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. This right is further supported by 15 USC 6801, which asserts that financial institutions have an ongoing obligation to respect their customers ' privacy and protect the confidentiality of nonpublic personal information. The furnisher of information to credit agencies, being a financial institution as defined by this law, must adhere to this obligation.

Furthermore, 15 USC 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency may only furnish a consumer report with the consumer 's written instructions. nor the furnisher of information to credit agencies has my written consent to furnish my information. I hereby revoke any and all consent, whether verbal, non-verbal, written, implied, and the furnisher of information to credit agencies.

According to 15 USC 6802 ( b ) ( c ), a financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given a clear explanation of how to exercise the nondisclosure option. The furnisher of information to credit agencies has never informed me of my right to exercise this option. Additionally, XXXX XXXX 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include adverse information in a consumer report if it is more than seven years old, except for records of criminal convictions. The account in question is an adverse item being reported without my permission, in violation of this law.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) states that no person should furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to authorized purposes. It is evident that XXXX and XXXX are failing to maintain these procedures. Finally, under 12 CFR 1016.7, a consumer has the right to opt out at any time, and I am exercising that right by opting out of your reporting services.
Product: Credit card or prepaid card

Contacted Citi Bank regarding my Home Depot credit card on XX/XX/19. I could not access my online account and several failed attempts to reset the password, I called their customer service department. I was transferred to tech support, who determined the reason I couldn't reset my password was due to a missing telephone number on the account. He stated that it would be a simple matter for customer service to handle and transferred me to another person. The lady I spoke with continued to state she could not validate my identify, despite the fact I provided her with 1 ) last 4 of my ss #, 2. full name, 3. full mailing address, 4. Home Depot credit card number. She then asked me for my Primary Check Account number which I refused to give her. The call was escalated through 2 more people and my last conversation was with XXXX in the " executive response '' dept. She was able to add my phone number as I originally requested and she confirmed that an agent requesting my checking account information was not a valid type of identity verification at their organization. Twice, XXXX told me she believed the agent I spoke with misunderstood that I wanted to make a payment through her and that's why she asked for that information. That is ABSOLUTELY not the case. Clearly this representative ( who was very combative and unhelpful ) was trying to take information from me to do personal damage, which might have also included identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX LATE PAYMENT Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Status Paid, Closed. Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT
Product: Credit reporting or other personal consumer reports

Under the FCRA capital one violated my rights under 15 USC 1681 section 602 they violated my rights to privacy. 15 USC 1681 section 604A section 2 the consumer reporting agency can not furnish my account without written instructions. 15 USC 1666B the creditor may not treat payments on my credit card account under an open end consumer credit plan as late for any purpose. This happened on my XXXX, XXXX as well as XXXX on Friday XX/XX/2023. They marked my payment as late and it had a negative impact on my credit reports and XXXX score. I called and asked them to remove the late payments from the accounts under these exact same sections under the fair credit reporting act or that I'd file a complaint and the representative told me to go ahead with my actions because they don't have to do it. I'm not sure what other documentation that I should have asked for. I would like this removed from all of my reports.
Product: Credit card

I have contacted Citi Cards numerous times about not being able to log in to my CitI Credit Card account. I was previously able to for some time but I no longer can. I must call and listen to the automated recording or speak to a representative. They tell me the reason why I can not log in is because I do not have the full account number/card number. I closed the account many years ago and shredded the card which is why I no longer have the card number. I was under a payment plan also which I 'm no longer on because I receive XXXX ( XXXX ) and it does not always come by the XXXX when my bill was due but I am still making payments as I always have. This is the reason I feel I am no longer able to access my account because it wasnt a problem before. They want their money but all I want is to be able to log in my account. And one more thing, regardless of how much money I owe, it does not give the right of ANY CUSTOMER SERVICE REPRESENTATIVE TO SAY TO ME IT 'S BECAUSE YOU OWE US A LOT OF MONEY! I thought Citi was better than that because that what y'all preach. Everyone has had to overcome hard times just as I have.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX XXXX XXXX XXXX without my authorization, or any permissible purpose as defined under the FCRA .

According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX XXXX XXXX XXXX nor did I provide written consent for my credit report to be accessed.
Product: Debt collection

On the XXXX XXXX XXXX I spoke with representative of Credence resource management about an allege bill with XXXX XXXX. In that conversation I was provided an email to send to them to verification from the hospital the bill was settled. I provided it on the XXXX XXXX XXXX  and on that day they still reported my account as delinquent even though I provided them with the information and paperwork stating stating other wise. It has negatively affected my score XXXX XXXX. Even in conversation Credence told me they would report until XXXX latter and would give me time to get them the info. They reported that same day and I got them the info once they sent the correct email address
Product: Credit card

When I purchase a new cell phone from Verizon XXXX, they offered my a Synchrony Verizon Visa Card. I was skeptical to accept it because of problems I had had with a XXXX 's credit Card issued through Synchrony. ( Note : XXXX 's has since cease to do business with Synchrony and has switched to XXXX XXXX. 

I am XXXX XXXX XXXX and have had XXXX XXXX XXXXXXXX. On XX/XX/XXXX, I made an EFT payment of {$50.00} to the account. This was not a regular, scheduled payment, but an extra payment to reduce my outstanding balance. On XX/XX/XXXX, I made an EFT payment of {$100.00}. Again this was an extra payment. Several days later, when I went online to check my account I notice that the payment had not been credited and there was a {$30.00} fee from Synchrony.

I contacted Synchrony and was told that the payment had not gone trough because of a numerical error in either the tracking number or the account number. 

I immediately contacted Sychrony, gave them the XXXX number and asked that they remove the {$30.00}. They refused. After escalatling my complaint they removed the {$30.00} charge. ( Subject of my previous complaint ) On XX/XX/XXXX I made an extra payment of {$100.00} and On XX/XX/XXXX I made an extra payment of {$200.00}. 

On XX/XX/XXXX I received notification from my internet provider that my automatic scheduled payment of {$13.00} was denied by Synchrony, I contacted the provider and made sure that they had the right information. I then contacted synchrony was told that my account had been cancelled and that I would be receiving a letter informing me of their decision to cancel my account. Even though I escalated my complaint, no one at Synchrony would discuss the cancellation with me.

When I tried to view my account online, I discovered that I was locked out of my account and could not access any of the information needed to file this complaint. Synchrony has refused to allow me access to my online information. I need that information in order to file a complaint with the Commonwealth of Massachuetts under MGL c92A ( the Massachusetts Consumer Protection Statute ).

Cancelling an account due a numeric information error which was immediately corrected ; refusing to honor a charge that was scheduled before I was informed of the account closure and hiding my online financial records from me is unconscionable, but wholly typical of the management 's attitude at Synchrony Financial.

I have contacted senior management at Verizon whose name and logo appear on the card and, apparentl
y, they are not happy and I was told that this is not the first complaint that they had received concerning Synchrony.
Product: Checking or savings account

This company is Current bank i have a debit card through them. Theres various transactions in my account, for about XXXX XXXX dollars. Ive been a victim of skimming. Which is when you use your card in public and they use a device to gather your card information and use it as theres on a card and they also have 2 factor authentication bots. I contacted them and told them and they said no credit or anything will be gave and the investigation is over i want an appeal.
Product: Debt collection

Firstly, I have received two letters from the CFPB stating that someone OTHER THAN ME appears to have submitted complaints in my name. 

NO ONE ELSE DID THIS! It was me, so please STOP deleting my cases! 

They are 100 % submitted by me, & only me. So PLEASE stop assuming it was someone else, & please address my complaints : I had 2 medical procedures. I originally got funding through Patient Fi, but after the procedures, & it appears my 2 loans may have now been transferred or sold to XXXX ( XXXX XXXX XXXX ) and then sold onto XXXX. My credit score was over 700, & I was given a 14.9 % interest rate!! I thought the highest legal interest rate in the U.S. was 10 %, before it starts getting into predatory levels. Not only is the interest rate very high on these 2 loans, but my account was sold from Patient Fi within the first month, AND it takes them over 30 days to reply to my email messages when I contact their customer service. I contacted then on XXXX XXXX, & didnt get a reply until XXXX XXXX. I have attached a copy of the email below. What can be done to help me alleviate this high interest rate? What are my rights? This complaint needs to be sent to PatientFi ( not XXXX ). Please note that XXXX has already been contacted, & they informed me that PatientFi needs to handle this compaint. ( COMPLAINT ID XXXX )
Product: Debt collection

A collections company named Online Information Ser showed up on my credit report with a debt showing $ XXXX dollars owed to an energy company named XXXX XXXX XXXX I have never heard of this company and did not open this account.
Product: Mortgage

On XX/XX/XXXXXXXX  I locked in my mortgage rate at 5.99 % with Trusted Mortgage Capital , Inc. I was locked in until XX/XX/XXXX. I was told that the policy of Trusted is that if rates lower I can get the lower rate but rates will not go higher until after XX/XX/XXXX. On XX/XX/XXXX I recieved a message from XXXX XXXX XXXX # XXXX or XXXX  # XXXX ( he provided two ) stating that my rates will " unlock '' and increase if I do not immediately sign my documents. I also went to further review my loan documents and found that Trusted Mortgage Capital Inflated the Value of my home for the loan by XXXX dollars. I gave them my appraisal which was XXXX $ when I first Mortgaged my home. Later on XX/XX/XXXX I recieved a phone call from XXXX where he called me a fake Veteran and that if I was a real veteran I would have signed his loan documents already. This company is very unprofessional and works in aggressive and illegal tactics to get XXXX to sign their loans.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have been locked out of my online account for two months I have been asking for help to regain access as part of the verification is 16 digit card number which I did not have the representative said they sent a card out and it was never activated on there side because it was not received on a recent call again for the XXXX time I asked that someone help me access my account because I have reoccurring charges and one had for declined which prompted me to call again they said they would remove late fees because of this error and to wait for new card to come they would expedite it I received the card and activated today and called they told me a form was down and to write a letter when I know that will not resolve and then was hung up on three times when asking for a supervisor they recently marked my credit report late after they are removing those fees because I couldnt verify the account with the credit card and it has caused two of my other cards to reduce my limits as a result of this false report
Product: Credit card or prepaid card

I am being robbed by a merchant and their employees of {$3600.00}. Wells is profiting off of the interest accrued over the last year of me fighting the charge. They are refusing to reverse the fraudulent transaction. This is causing me financial harm and harm to my once perfect credit. Theyre essentially holding my credit score hostage and asking for $ XXXX ransom. Why should I be out {$3600.00} plus the interest and fees accrued while I fought this? Because I dont want to be a victim? That's XXXX.
Product: Debt collection

In XX/XX/2016 I saw a Dr. at XXXX XXXX XXXX in XXXX, Ga. for a routine visit. Upon his questioning about my sleeping he suggested I take a " sleep test '' I was sent home with a mask and some vague instructions how to use it. I was to sleep with this on for 2 nights and return it for a diagnosis. After attempting to use it for a few hours the first night and not getting any sleep at all I notified the Dr. the next day. I was informed not to " worry about it '' and just return it, which I did that week. Soon after, I received a bill for over {$600.00} for " services '' I complained to management at the medical group several times to no avail, they continued to charge me and I continue not to pay for services I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

On multiple occasions i have attempted to remove incorrect addresses on file wifh experian. Each time i filed a dispute and submitted the required documents to verify my correct address as XXXX XXXX XXXX XXXX XXXX XXXX tn XXXX. I submitted copies of ny drivers licenese. I have never lived at any of the other kisted addresses!!! As a result i have been denied loans because companies were not able to verify my identity this is wrong! Remove all listed addresses on my file EXCEPT for XXXX XXXX XXXX XXXX tn XXXX i will not call experian and wait on hold for 3 hours! 

Experian insists that i contact creditors on my file and dispute my addresses with them thats not how this works and is in violation of federal law! I have again attached proof of my place of residence in addition to proof of experians XXXX