23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Opened visa credit card with banknof america. The interest rates were 21 to 28 % after a year. Now im trying to pay it. The amount keeps going up. Wasn't told this initially. Was told the payment XXXX now at XXXX I have a payment of XXXX plus. Plus a late fee of XXXX. I can not pay this. Was on the phone. The man said he had a program with a third party not affiliated with bank of america. Now more fees I have to pay. Plus a late fee. Plus payment. I'm literally on the phone. Stating my income had decreased due to a census being low where I work. This wasn't told to me this could happen. I'm called off work. Lower income. Bank of america wants me to invest in a third party to talk with them? Why? I'm on the phone. Help me. Stop the late payment. Lower my payment. I can pay it.
Product: Credit card or prepaid card

I opened a store credit card with Rooms to Go by Synchrony Bank. In XXXX with zero percent interest for 4 or 5 years. I paid the minimum payments according to my pay period which resulted in late fees being assessed to the account. These late fees were put in a seperate interest of 29.99 %. Even though the account was being paid down Synchrony routinely lowered my credit limit to adversely affect my credit so it would appear as though I was not paying down the credit card though I was. In XX/XX/XXXX I believe, ONE of my payments was returned by my bank resulting in me missing a payment. Synchrony immediately closed the account, giving me no access to the credit limit and it was removed as an account on my credit report. However, Synchrony has continued to assess my account late fees like it is still an active account. When I questioned Synchrony as to why I am being billed late fees on a closed account they essentially said that they are still sending me a billing statement and I have the choice to pay the balance in full. This should not be legal. They chose to close the account to adversely affect my credit, yet are continuing to bill and assess my account fees as though it is still open to their benefit. This should be illegal and not permitted. I am aware that I am still responsible for the balance, which is why I continued paying it. On one hand they continue to send billing statements, the balances accrue interest and I'm assess late fees when the payments aren't received by the " due date ''. Yet on my credit this account is closed and reflects adversely due to Synchrony reporting the 1 missed payment. How can an account be closed yet they are generating a billing statement for a none existent billing cycle/period and non due date? I need this company to be held accountable. They can not adversely affect my credit by reporting this account late by 30 days, then closing the account. Then afterwards for them to continue to bill and charge my account fees as they were when it was open. Completely insane and unconscionable.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple inaccurate and/or unverifiable negative accounts currently reported on my credit profile by XXXX XXXX  and the credit reporting agencies. These accounts are causing significant harm to my financial standing and opportunities, despite my repeated efforts to resolve the matter directly with the parties involved. They failed to verify that the information is accurate and verifiable per the FCRA. These inaccurate accounts violate my consumer rights and have led to unfair practices, including harm to my credit score and financial stability. It is in non compliance with consumer protection laws. The partied involved have failed to comply with the obligations under the FCRAS, FDCPA, and related federal statues.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised, and the credit reporting agencies is not making it any better. I'm still dealing with the damage of losing my ID. I would really appreciate if the following inquiries were removed from my credit report. I have no knowledge of these inquires whatsoever. ( 1 ) XXXX XXXX - XX/XX/XXXX, ( 2 ) XXXX XXXX-XX/XX/XXXX, ( 3 ) XXXX- XX/XX/XXXX, ( 4 ) XXXX- XX/XX/XXXX, ( 5 ) XXXX XXXX XXXX -XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX I looked at my EQUIFAX credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

am writing to dispute a fraudulent account that appears on my credit report. The account details are as follows : - **Account Name : ** XXXX XXXX XXXX XXXXXXXX ( Also known as XXXX XXXX XXXX XXXXXXXX ) - **Account Number : ** XXXX - **Date Opened : ** XX/XX/year> - **Balance : ** {$190.00} This account was not authorized by me and was opened as a result of identity theft. I have never had any dealings with this company and did not consent to this account being opened in my name. This fraudulent account has severely impacted my creditworthiness and has caused undue stress and hardship. This account was previously removed from my credit report but has inexplicably reappeared. I am requesting its immediate removal once again and that it be permanently blocked from reappearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am entitled to have fraudulent information resulting from identity theft removed from my credit report. Additionally, Californias Identity Theft Protection Act ( Cal. Civ. Code 1798.93 ) reinforces my right to dispute and demand the removal of fraudulent accounts. This repeated reappearance of the account violates my consumer rights under both federal and state law. I demand that this account be removed and blocked from my credit report permanently and that I receive confirmation of this action in writing. Failure to comply with this request will leave me with no choice but to pursue further action, including legal remedies under the FCRA and California state law. Attached documents are FTC identity theft report two forms of identification, dispute letter detailing fraudulent account
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 USC 1681. 

( acct ) XXXX Account number # XXXX ( inq ) XXXX XXXX XX/XX/XXXX ( inq ) XXXX XXXX XX/XX/XXXX ( inq ) XXXX XX/XX/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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with " I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect, however there is no need to be rude or threating. I asked him his name and extension followed by the name of his manager. He mumbled a name and the number quickly. I asked him to please repeat that. Then he wanted to know why I wanted that information? I told him I did not appreciate his tone. He then went on the defense.
Product: Vehicle loan or lease

Im a natural Person and consumer ACCORDING TO THE TRUTH IN LENDING ACT I did two consumer credit transaction with CHYSLER capital acting as the ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT I Credited this transaction with my credit card and signature when applied this information to the credit application ACCORDING TO THE TRUTH IN LENDING ACT I granted CHRYSLER CAPITAL CREDIT according to THE TRUTH IN LENDING ACT Should be no down title 15 usc 1605 says so TILA IM THE ORIGINAL CREDITOR ACCORDING TO THE TRUTH IN LENDING ACT Affidavit is attached
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2.

Account name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX 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 a account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous inquiry reporting on my Credit Report : XXXX Date of inquiry XX/XX/2020 XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are not reporting correct information on my credit report. There are collections open and closed that are proven fraudulent but they refuse to properly investigate when I dispute the collections. There are also false names, addresses, credit inquiries all that I have not authorized. As far as I 'm concerned XXXX is aiding and abetting these criminals. I want this company to work with me instead of against me to correct my credit report.
Product: Money transfer, virtual currency, or money service

IAm filing a new complaint regarding JP Morgan Chase Bank, which is holding my funds. XXXX, my bank, submitted a recall request to retrieve the money that was transferred to the wrong account from JP Morgan Chase Bank. While XXXX successfully located the funds, the recall request was denied. 

I reached out to you as an intermediary for assistance. However, JP Morgan Chase Bank refuses to provide any further information and has redirected me back to XXXX. XXXX has confirmed that they have done everything necessary to resolve this and maintain that JP Morgan Chase Bank has the funds but is refusing to process the reimbursement. 

I now demand that JP Morgan Chase Bank take responsibility and return my funds, as the location of the money is no longer in question. I expect this matter to be resolved promptly. 

Money transfer XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This collection company updated an account I do not agree with as Date of last activity XXXX. This is such inaccurate information. I have requested and disputed this several times, what evidence does this company has to verify this belongs to me, my signature allowing such charges and date and what this is even for. Date open states XXXX and XXXX states XXXX. I have not been to the doctors or hospital XX/XX/XXXX so this is inaccurate and I want this removed
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis XXXX XXXX XXXX. XXXX XXXX XXXX GA, XXXX I would like to request a security freeze be on my Consumer Disclosure report. I choice to opt out of your disclosing future information until further notice including the XXXX . report and other furnished Lexis Nexis regrading all personal information of mine. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act youre required to comply. My information is clearly shown below : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SS XXXX DOB XXXX XXXX This is an ongoing issue I have to file a report with XXXX Ohio Police Dept . I am no longer living in Ohio. Some one has access my personal files and taken out accounts for business in my name..
Product: Mortgage

My regular scheduled mortgage payment is {$1400.00}. The mortgage servicer 's policy is that you can make extra payments by increasing the amount of money deducted from my checking account each month. I pay {$3500.00} every month with the intent of paying my interest, escrow, and the balance going toward principal. In XXXX, my payment was broken down as : interest - {$140.00}, escrow- {$830.00}, principal {$2500.00}. That's proper and how it should work. 
In the month of XXXX, someone at Newrez deleted the extra principal payment and instead applied it as a double monthly payment. The payment breakdown for XXXX ended up as interest - {$270.00}, escrow- {$1600.00}, principal {$1500.00}. 
For some reason after this unexplained " transaction '', someone went into my account on XX/XX/XXXX and deleted {$1700.00} from my principal balance which increased my principal from {$59000.00} up to {$61000.00}. 
Last year for the entire year, the escrow on my mortgage account paid out a total of {$7300.00} - that's taxes, home owner insurance... everything. After 4 months so far this year, Newrez has applied {$4100.00} towards escrow instead of properly applying it towards the principal. At this rate, they're going to put {$12000.00} into my escrow account to pay {$7300.00} in taxes and insurance instead of applying it towards the principal. 
I've sent two " secure messages '' on their website and on XX/XX/XXXX I called and talked to a customer service rep for over 9 minutes who assured me that she was going to fix these problems. I haven't received any response to the secure messages. 
All of the payments from XXXX have posted and cleared the account, but the issues from XXXX are still hanging over the account and have been unresolved. I'm simply trying to pay off my mortgage early since I retire in less than 6 years, and don't feel like my issues with the mortgage servicer should be ignored. Any suggestions on how or what I can do to get this resolved?
Product: Student loan

I enrolled at XXXX XXXX XXXX on XX/XX/2016 in the XXXX program. 5 weeks later, on XX/XX/2016, the school closed permanently without notice. A letter was posted on the school 's website informing all students and staff that the school had closed. When I enrolled, I had to get a private loan, from the school, that they are saying I am now responsible for, even though I never even finished one term. I never received one credit from the school, as we were still 3 weeks, from finals. When I contacted the loan company, they said there was nothing they could do and the loan had to be paid back because they gave the funds to the school. When asked should n't the funds been sent to me and I sign the check over to the school, I was hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2023 XXXX XXXXXXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address serious concerns regarding the handling of my identity theft dispute with Experian. On XX/XX/year>, I submitted a dispute to Experian, providing all required documentation, including a government-issued ID, proof of address, and an identity theft report, as outlined under the Fair Credit Reporting Act ( FCRA ). However, on XX/XX/year>, I received a response denying my request to block the fraudulent information on my credit report, claiming a lack of sufficient documentation. 

This denial is not only unfounded but also constitutes a clear violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2, which establish the permissible purposes for the inclusion of information in consumer reports and mandate the blocking of information resulting from identity theft.

Specifically : 15 U.S. Code 1681b ( 2 ) prohibits the furnishing of consumer reports without a permissible purpose, and there is no permissible purpose for retaining fraudulent accounts on my report.

15 U.S. Code 1681c-2 explicitly requires credit reporting agencies to block information related to identity theft when proper documentation is provided, which I have already done. 
Your failure to comply with these provisions opens the way for civil liability for both negligent and willful noncompliance under 15 U.S. Code 1681n. Under this statute, a victim of noncompliance is entitled to {$1000.00} per violation. The continued reporting of accounts that were fraudulently opened without my express written consent constitutes multiple violations, as these accounts remain on my report without my authorization. 

This lack of action on XXXX part has resulted in further damage to my financial well-being, and I am prepared to pursue all legal remedies available to me under the FCRA if this issue is not resolved promptly. 

I am requesting the following immediate actions : Immediate blocking of the disputed items on my credit report, as they resulted from identity theft. 
A written explanation as to why my request was denied despite my submission of all required documentation. 
Compensation for the damages incurred as a result of Experians negligent and willful noncompliance with the FCRA. 
If this matter is not resolved within 10 business days, I will pursue formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and explore civil litigation to address these ongoing violations of my rights. 

Please take immediate steps to rectify this situation and ensure full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

DPT ED/XXXX  XXXX**** DPT ED/XXXX   XXXX**** DPT ED/XXXX  XXXX**** DPT ED/XXXX  XXXX**** XXXX 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

Early in XXXX of 2024, I had to file XXXX  XXXX bankrutcy. I was having a hard time with my small buisiness. during the bankruptcy, I contacted ally financial and alerted them to the bankruptcy in progress. I was informed at that time that I did not have an obligation to make any payments, as the bakrupcty court would supply a trustee and once the process was complete all funds would disperse from the trustee according to the agreement made. I was behind on paperwork and had to re file, extending the time fo rme to get everything i needed as I did not have the funds for a lawyer at the time. The bankruptcy was dismessed in XXXX and Imeadiatly started makeing payments again. i made 2 payments the first month, in the same month ally repoed my vehicle. I recovered the vehicle the next day and resumed making payments. Ally was not reporting during the bankruptcy but decided to report 120 day past due, 60, 90, and 30 days past due for the months I was under bankruptcy protection.I contacted the credit reporting agency to dispute the late payments, XXXX  has the bankruptcy on my credit file so they are aware of the payments not being late as the bakrupcy information is plain on thier platform.