23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I made a {$4500.00} payment to my XXXX XXXX Master Card, issued by Synchrony Bank. This payment was made via the internet. The disclaimer I received at that time stated that the payment may take 24 to 48 hours to process, no other warning.

On XX/XX/XXXX I attempted to use my card and it was declined. I kept checking my account, as I was then on vacation and needed to use the credit card.

I checked my checking account and the money had been removed from my account on XX/XX/XXXX and that Synchrony Bank had received the money on XX/XX/XXXX, but had not yet credited my account.

On XX/XX/XXXX I called Synchrony bank and was told that indeed they had received my payment but that the credit had not been applied to my card yet and would not for up to 2 business weeks because it was considered a large payment. I was told that this information was in my account terms and conditions. I explained that I needed to use this card for my upcoming vacation and was told that nothing could be done.

I searched in my terms and conditions and was not able any statement referring to " large payments '' or special handling of such. There was nothing stated about extensive delays in crediting payments.

I called Synchrony Bank again on XX/XX/XXXX and was told that I might be " kiting a payment '', even though the money had been withdrawn from my account and credited to theirs for 7 days by that time.

I also charged a vacation for my son on that card specifically because they were offering a rebate on vacation charges. It was in total a {$5000.00} trip but when I enquired about the rebate I was told it was illegible for some strange reason.

I have never had this experience with any other credit card company, and have made similar large payments to them.
Product: Credit reporting or other personal consumer reports

Reason : As outlined in 15 USC 1611, Experian, XXXX, and XXXX are in violation of federal statutes, including the unlawful reporting of alleged debts. These actions constitute a violation under 15 USC 1640, making them liable for twice the amount of any finance charge. Additionally, they are accountable for breaches under the FDCPA, specifically 15 USC 1692XXXX. I am formally requesting the immediate removal of this alleged obligation from my consumer credit reports and seek compensation for these violations. The reporting of an alleged debt on a credit report is in direct violation of 15 USC 1692b ( 2 ). Such actions also amount to advertising specific payments, which is prohibited. 

I hereby demand that these entries be expunged from my credit file immediately as they infringe upon my rights as a consumer protected under federal law, specifically Title 15, Section 41. Regarding the accounts in question, I am requesting their complete removal. 

Copies of this communication will be sent to the Consumer Financial Protection Bureau, the Attorney General 's Office, XXXX XXXX XXXX XXXX, State Senators, the FDIC, the Comptroller of the Currency, the Federal Reserve System, and other relevant regulatory bodies, including the Federal Trade Commission and state-level authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous items that need to be investigated and corrected :
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my credit account through a third party company Pendleton Capital Management and the main creditor XXXX XXXX XXXX. I filed a dispute with XXXX and the results was that my account will still remain as charged off when I have proof stating that my account would be reported to the credit bureau as settled and paid.
Product: Credit reporting or other personal consumer reports

I have filed form 14039 with the irs.gov. The perpetrator ( XXXX ) filed IRS tax return using my SSN which has damaged me furthermore theperpetrator ( XXXX ) have obtained from the Data Breach my personal information which has resulted in inaccurate personal information, negative credit accounts and fraudulent inquiries of which ALL must be deleted immediately without delay on XXXX, Equifax and XXXX. Pursuant to Title 15 USC 1692G ,1692K et seqThe FCRA demands that CRAs use reasonable procedures to assuremaximum possible accuracy of information contained in consumer reports, 15U.S.C. 1681e ( b ), and provides a mechanism for consumers to dispute anyincomplete or inaccurate information in their report. 15 U.S.C. 1681i.All inaccurate information highlighted in my credit report must be deleted immediately. 


All the highlighted personal information is inaccurate
Product: Student loan

On XX/XX/XXXX, I was under the assumption I could use a credit card, I did and it seemed to go through but I didn't get an email until days later ( XX/XX/XXXX ) that the payment method had bounced as it wasn't something they accepted. I called, put myself in a queue for them to call me back and they did hours later, I asked about the payment bouncing and they said it was because of the payment method and gave me other options. I complied saying I would then use my debit card since they assured me it was something I could use. The following day, I was busy with work and it was also the weekend so the office was closed but I had noticed that in my account, they said I still had {$50.00} left to pay, yet I was told by the letter and seeing my bank statement, that it had bounced so nothing was taken out. I called non-stop since the XXXX and put myself in countless queues in order to get a call back to ask them why their system hasn't reset the proper balance of {$2400.00}. They eventually did call me back, but as everyone else in the world, I missed the call due to being busy around the house and when I called back, they didn't leave me a voicemail to try to call the agent back directly or any options, they just made me requeue for 609 minutes. I got around to calling this morning at XXXX XXXX and promptly got off the phone at XXXX XXXX, being told I would be contacted in 2 hours and 55 minutes. At the time of writing this, it is XXXX, 5 hours later and 3 hours and 5 minutes PAST the time they said they would call me back. I believe this company is purposely not answering the phone or calling people back in time, or even having a way to call back a missed call because they are reaping the interest rates now. This is incredibly ridiculous as this is obstructing my right to pay the full price of what I owe WITHOUT having to pay interest seeing how it was done BEFORE XX/XX/XXXX. I wholeheartedly believe this is a way to push American 's into only paying interest and not being able to use the FULL grace period. 

The photos I will be attaching to this complaint are as followed- -Screenshot of the 1st payment method that failed. 
-Screenshot of my email list when searching for 'EdFinancial " showing the dates from when the 1st payment was made vs. the next email of when they decided to let me now ( DAYS LATER ) -A photo of my only account activity that shows the 1st payment method going through and then bouncing on the same day ( this clearly shows, they could've contacted my at least the next day with an email, but decided to send me the notifications days AFTER the bounce ) -A photo of my account now that the website can not detect the bounce back ( but also why is there {$50.00} left when I originally paid the full amount? So you guys only took what I paid for -50? How does this account balance even make a lick of sense compared to what I paid for ) -The second payment method confirmation #, date and ( again ) the full amount being paid. 

At the time of writing this, my debit is still pending the transaction and the money has not been transferred to their account yet but it has been on the way since last night.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> 2023
Product: Credit card

I paid the bill the day after I received the bill. I paid it in full on XX/XX/year>. The credit card bank claimed it was not received until the XXXX of XXXX & it was due on the XXXX. I called and asked them to please reverse the {$30.00} late fee. They said their policy is only a one time credit of {$15.00}. I disagreed as I can't be penalized for Post Office delays of one day!
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1692g - Validation of Debts 1. Please provide a detail list of history of payments made by me on this account.

2. Please provide my signature that I put on a contract guaranteeing that I would pay this creditor.

3. Have any insurance claims been filed on this debt.

4. I want Proof you have chain of title to collect on this debt.

still reporting all this incorrect accounts on my credit report have over XXXX credit inquiries in im XXXX XXXX XXXX XXXX that need this removed immediately
Product: Credit card or prepaid card

I have been charged {$5.00} monthly for XXXX XXXX credit life insurance without my acknowledgement. I contacted them around XX/XX/XXXX advising them of the charge and no action has been taken as of today XX/XX/XXXX. 
This was from best buy XXXX  card
Product: Debt collection

A debt of {$100.00} dollars for services performed by XXXX XXXX XXXX was referred over to CONTINENTAL CREDIT CONTROL. CONTINENTAL CREDIT CONTROL has been trying to collect on the debt and adding interest charges to the amount. I confirmed with XXXX XXXX XXXX and they informed me that they do not collect interest on unpaid balances nor does any of their documentation state that unpaid balances are subject to interest fees. 
As a general rule, the addition of any interest, services fees, collection costs or other expenses incidental to the original debt is permitted when such amount is expressly authorized by the agreement creating the debt or permitted by law. 15 U.S.C. 1692f ( 1 ) [ 808 ( 1 ) ].

In this case, it was not authorized by any agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account listed on my report by XXXX XXXX XXXX with XXXX, XXXX  and XXXX for months. The account has come back verified each time. I asked how this information was verified and received no response. I was able to get reach out to XXXX XXXX XXXX and received information that the balance reporting on my credit reports is NOT accurate. 
Had the companies done an independent investigation and not relied on E-oscar, or had they verified that the reporting account was metro 2 compliant, then they would know that my concern is valid and the account should be removed immediately. 
This is a violation of the FCRA. All information reported should be 100 % accurate and verifiable.
Product: Credit reporting or other personal consumer reports

Dear TransUnion Dispute Resolution Team, I am writing to formally dispute the accounts listed on my credit report as I have been a victim of a data breach. I request that all accounts associated with my personal information be blocked and deleted in accordance with the provisions set forth in 15 USC 1681c-2 ( a ).

The unauthorized access to my personal data has compromised my financial security, and I believe that blocking and removing these accounts is a necessary step to mitigate the risks associated with this breach. 

Please find the details of my accounts below : Fraudulent Account Name : XXXX Account Number : XXXX Fraudulent Account Name : XXXX  Account Number : XXXX Fraudulent Account Name : XXXX XXXX XXXX Account XXXX : XXXX Fraudulent Account Name : XXXX XXXX  XXXX Account XXXX XXXX XXXX Fraudulent Account Name : XXXX XXXX XXXX  Account Number : XXXX Fraudulent Account Name : XXXX Account Number : XXXX Fraudulent Account Name : XXXX XXXX XXXX Account Number : I have attached any necessary documentation to support my claim, including attached documents, such as a police report, identity theft etc. 

I appreciate your prompt attention to this matter and look forward to your confirmation that these accounts have been blocked and deleted from my credit report. Please respond to my request at the earliest convenience. 

Thank you for your cooperation. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau has 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 are the lists of the erroneous accounts reporting on my Credit Report and need to update or remove from reporting : XXXX-XXXX-Balance {$0.00} XXXX-Balance {$0.00} USDOE/XXXX-XXXX-Balance {$0.00} XXXX XXXX XXXX-XXXX-Balance {$520.00} XXXX-XXXX-Balance {$780.00}
Product: Debt collection

CREDIT COLLECTION SERVIC has an account opened by me on XXXX i do not know who these people are nor do i owe a debt to them please " delete '' this inaccuracy from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of XXXX, on XX/XX/XXXX I made another deposit for XXXX. Both deposits were held for 9 days and 10 days, none of the funds are currently available. I made another deposit on XX/XX/XXXX for XXXX, funds are still not available. Bank has refused access to my funds, barred me from entering a bank to make a withdrawal and have said they are closing my account in XXXX. My account balance was over XXXX on XXXX, yet my available balance on XXXX is showing XXXX, so I still have no access to my funds for paying bills or withdrawal. I want to withdraw my available balance and they are not allowing me access to my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

911
Product: Debt collection

I contacted One Main in XX/XX/2018. I have asked them to provide me with specific information regarding the said account. They failed to provide me with the requested information, but instead provided me with my name, the last 4 of my social, and the amount supposedly owed. I have previously informed them that my ex husband XXXX XXXX is responsible for the debt as stated in our divorce documents. The debt was incurred through identity theft and deception. I also has insurance and liability on this loan in the case that anything should happen. 

I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is sending them a letter stating my intent to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX ,  2017  I received an alert this morning from TransUnion and  XXXX  that my complaints against  XXXX   XXXX  had been resolved yet it has not.      XXXX   XXXX  is reporting a higher Balance than I owe and updated the credit unions with the false information thus impacting my  credit score a v iolations of the FCRA.      XXXX   XXXX   XXXX  reported that I have balance of {$19000.00} when I called and have attached a copy of my statement that shows a balance of {$18000.00} the pay off would be only around {$18000.00}. This false information caused by balance to increase on m y credit score w as impacted.
Product: Checking or savings account

XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX a total of {$380.00} was taken from my account via ATM. I immediately contacted Capital One 360 and let them know I did not partake in this withdraw and that I did not have my card at hand. They initiated a credit for the mishap four days later and issued me a new card. On XXXX XXXX they reversed the credit dispute and charged my account for the {$380.00}, putting the account in negative. I reached back out to the bank questioning the actions, and they instructed me to contact XXXX where the incident happened. Connected with XXXX in regards to the issue, and since they do not own the ATM within their store they said it is up to my bank to issue the reimbursement. Fast forwarding to now, they are still not honoring the dispute, and my account is still negative to this day X/XX/2018. I have recently transferred {$40.00} from my savings to that account .... accidentally. Doing so brought the balance to $ XXXX
Product: Credit reporting or other personal consumer reports

Your Account Information : Account Number : XXXX Client Name : XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX Amount : {$690.00} First Payment Due : XXXX Payment Amount : {$94.00} Interest XXXX % Paid in Full : XXXX {$690.00} The first payment for this account was XX/XX/year>. To take advantage of the XXXX interest free offer I paid the account in full on XX/XX/year>. Instead of reporting it on my credit report as paid in full/account close, they reported it on all three reports as Charged-off. This reporting made it almost impossible to qualify for a VA home loan, because it dropped my credit score by XXXX points.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial intuition and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPB 's findings indicate that Zelle has not only neglecting to protect consumers but has also allowed repeat offenders to exploit the systems, leaving users vulnerable the scams. This lack of accountably and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

paypal has my bank account link to add money they will not link my debit card to add money
Product: Checking or savings account

XX/XX/XXXX I had funds direct deposited into my account on XX/XX/XXXX my account was closed unexpectedly my funds were put on hold so I called chime customer service and they told me my account was hacked as I was on the phone with XXXX my phone number was being changed by some one else they did nothing they had me send in several id 's with me hold my ID and still did nothing after a year I was still trying but nothing still ... .it has been XXXX  days as of XX/XX/XXXX and I still have not received my funds and I want my money I lost over XXXX and chime still want release my funds I worked hard for my money and I want even get it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20, I paid and settled my XXXX XXXX XXXX credit card in full for {$1200.00}. 
The information was correctly updated on all 3 credit bureaus, however, a week later, it was updated that there is still the balance owed. 
Ive disputed it twice with the credit bureaus showing proof of settlement and payment. However, XXXX XXXX XXXX continues to verify a balance is still owed. XXXX XXXX XXXX will not fix the issue either.
Product: Debt collection

I was called to the front office at my place of employment. They handed me a notice of intent to collect a debit. The main problem was that it was opened for all to read. Almost everyone here gets mail and it is opened and distributed because it is all work related. This was not! This has personal information on it.
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year> Lexis Nexis reported inaccurate Information about a Bankruptcy pertaining to me, they also have inaccurate and unverifiable information about a bankruptcy in my consumer report file. In which they have been giving and reporting to other companies This Inaccurate, invalid and unverifiable information.

I have attached a letter from the UNITED STATES BANKRUPTCY COURT DISTRICT OF NEVADA verifying and stating that they do not furnish or report information over to the credit bureau or any Credit monitoring service nor do they verify or validate any information concerning bankruptcy, Lexis Nexis is the reason this information is on my credit report and has yet to be remove. this unvalid and UNVERIFIED information Lexis Nexis is reporting violates fair credit reporting act.

INACCURACIES Reporting : The county of bankruptcy is inaccurate, name of the court is inaccurate, disposition details is Inaccurate, Petitioner Represented By Attorney is inaccurate and contact details are inaccurate. When compared to my PACER court records, Lexis Nexis is reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX / XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, TN XXXX XXXX  XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

The Equifax credit report states that the account is closed but does not indicate the date it was closed. The report states that 99 months were reviewed, but there is no data available for the years XXXX through XXXX. The account is reported as being closed with an available credit balance in the amount of {$17000.00}. The report shows the account was opened XX/XX/XXXX and has been open for XXXX years XXXX months. If the account was opened for XXXX years and XXXX months from XX/XX/XXXX it would still be open today ( statement is mathematically incorrect ). The report shows that the account was charged off but does not indicate the date it was charged off. XXXX XXXX does not report the date that the account was closed which would allow them to report this account indefinitely. XXXX XXXX reports that the customer requested the account be closed but does not include the date this request was made. Please have XXXX XXXX provide proof that that the customer requested the account be closed and that they currently own the debt. Also please have them explain why they state that they reviewed 99 months but only reported 3 years. If 99 months was reported, it would show that the account was never late during that time period. Please have them explain why my account was referred to a debt collector in XXXX when the first delinquency didn't occur until XX/XX/XXXX.