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

I purchased mattresses from XXXX XXXX  using Synchrony issued store card. The promotional period was 24 months. Now, its only been 12 months and they added almost {$400.00} in interest. When I signed up, I was under the notion that it was 24 month promotional no interest. Instead, they charged interest after just 12 months stating the promotional period ended on XX/XX/22.
Product: Checking or savings account

I tried to amend the pending complaint against Keybank for XXXX because it involves ongoing issues with customers not being able to get documentation regarding the bank policies and customer rights. 
Key bank has not responded to the complaint opened on XX/XX/XXXX involving persistent racial bias at the local XXXX XXXX. That complaint involves being asked for my license for bank transactions when I provide the account information and signature on deposit/withdrawal slips. The issue according to the branch manager has to do with familiarity with customers which is not a subtle way of saying that trust is dependent on the customers race and ethnicity..this despite the fact I have been coming to the branch for a few years. I have not seen anything under the Federal Truth in Savings Act or contract law indicating banks can discriminate customers..and Im waiting for a copy of the policies regarding deposit, withdrawal, and transaction at the branches. 
The PRESENT issue involving disputing debit card charges arose after the complaint on XX/XX/XXXX. I called to dispute a charge on XX/XX/XXXX but a representative called XXXX refused to open a case, told me I couldnt dispute the charge, and also refused to reference to the particular policy or mail copies of Keybank policies. 
I went to the XXXX branch and the banker opened a dispute! How can you provide service that is so inconsistent? The banker gave me the letter opening the dispute with case XXXX. I asked the banker for a copy of policy regarding disputing charges but she had no idea where to find them. 
I contacted the email address on the dispute letter requesting the bank policies that have to comply with the Fair credit billing act but they refuse to respond.
Product: Checking or savings account

Employees charged me {$5.00} for a replacement debit card that doesnt work. I came in today ( Saturday ) to get it fixed and employees refuse to help me. I have to work during the week XXXX to XXXX and this awful company ( Bank of America ) closes at XXXX. The replacement temporary card does not work and I use it for my second job at XXXX. I need access to my funds over the weekend. If this is happening to me, it is happening to others. I REFUSE to take off of work to get business done. THIS IS NOT MY PROBLEM. I DID NOTHING WRONG. THE BANK WILL NOT FIX THIS AND IT IS RENDERING ME UNABLE TO DO MY JOB. I am going to contact an attorney. This is what is going to happen : 1 ) Bank of America will pay for my lost wages from XXXX since I do not have access to my funds 2 ) Bank of America will pay me for the lost time from my regular job since I have to leave work to take care of this during my work hours 3 ) Bank of America will pay my attorney fees for the consultation and any retainer I need to pay to speak with said attorney Im losing around {$400.00} from XXXX because I can not access my money to pay for gas. This is on the low end as I can make well over {$500.00}. I can provide proof. 

Im losing around {$250.00} for having to leave my full time job during the week I have to take a half-day. That is company policy. 

The Bank of America branch that refuses to help me is in XXXX XXXX XXXX XXXX in XXXX VA . The person who refused to help me is XXXX. 

Please understand it is YOUR JOB to take care of your customers. Your bank is an absolute nightmare. Im sorry I started banking with you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted capital one as well as XXXX and XXXX about the late payments on my credit report. XXXX has hung up in my face has declined assist me with a dispute over the phone told me that the dispute can only be mailed in and done online when it clearly states, it can be handled over the phone on their website when I informed them that I was going to file a complaint with the consumer protection federal Bureau, they stop assisting me and hung up multiple times. My report has been violated with the following laws. 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.

The capital one account that Im referring to is the account opened XX/XX/XXXX and XX/XX/XXXX. The only credit reporting agency that has updated my information properly as per request of capital one is XXXX. XXXX stated they submitted a case and ask XXXX has refused to assist me which is also in violation of 15 USC 1681 ai For not reporting accurate and complete information on my credit and improper use of my credit report
Product: Debt collection

There is a payday loan that is currently now being reported to my credit. I have tried disputing the error with XXXX and they stated that the it meet the FCRA requirements. I never recalled getting this pay day loan in my name and this should not be reported to my credit
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXXXXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Theirs is a XXXX XXXX credit card on my credit report that is not mine. The card is now delinquent and causing my credit score to drop. I have petitioned it several times through Experian. Experian has closed my disputes claiming to have reached out to XXXX XXXX who verified that the account was correct. Every time I have reached out to XXXX XXXX, they claim that they cant find my account using my name, SSN, or phone number. My credit report shows the address associated with the account, but XXXX XXXX says they can not search using an address. This account is fraudulent and does not belong to me.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has false advertisement going on at their location. They have consistently invited me to come down to see if I qualify for a vehicle, and advertising that they are able to work with any circumstances. This is not the truth they are practicing false advertisement. The person that the company has making these false advertisement phone calls goes by the name XXXX XXXX. The manager is XXXX who is completely aware of these false advertisement phone calls. I came to the dealership and began to feel pressured to let them run my credit. After finally agreeing for them to run my credit one time under XXXX XXXX   they took the initiative to run my credit three or four times without my consent. I have worked extremely hard to get my credit in good standing. I would not like to play around with my credit to try somethings just to see. Either I meet the qualifications or I don't. I was approved for a {$28000.00} Loan and still did not leave with a brand new car. I spent almost 5 hours at the dealership for nothing. Time I could of spent working instead of being lied to. This company needs to stop false advertising to get people to come into their branch just to play around with people 's credit information. The issue came about when they advertised that they would give a very high percentage over the XXXX XXXX XXXX value. Had they honored their advertisement then I could of had a new car once they took my trade-in, processed the loan, and type the contract. However, they did not honor their advertisement so I just walked out like I came in. Actually it was a couple of more people there and no one drove off in a new car, because they are false advertising to get customers to screen.
Product: Credit card

I got unauthorized charges from  XXXX  on m y Chase Visa c redit card totaled {$9000.00}. I disputed these charges with my credit card issuer. the fraud personnel established a  XXXX  XXXX -way call with me and  XXXX  representative and he confirmed that these charges are fraudulent, and he also confirmed that i do n't have an account with  XXXX . However, the  Chase dec ided to keep the fraudulent charges on my account and concluded that it is my responsibility. And they neglected the " zero reliability '' rule.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing only on this account the payment history. This account is fully accurate pertaining to type of account, balance, date opened and date closed, Last reporting and last payment date. All of this information on this account is accurate but the payment history is inaccurate. 


AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT XXXX  XXXX Experian XXXX Account # : XXXX XXXX XXXX Account Type : Mortgage Mortgage Mortgage Account Type - Detail : FHA real estate mortgage FHA real estate mortgage Real estate mortgage Bureau Code : Individual Individual Individual Account Status : Transferred Transferred Transferred Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$240000.00} {$240000.00} {$240000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Transferred to another lender Transferred to another lender or claim purchased. Account transferred or sold Real Estate Mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX Experian OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX OK OK OK 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 ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN XXXX BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY!
Product: Debt collection

chase bank is agressivly attempting to collect on the debt that is not mine. I did not sign a contract with chase for this credit card and this should not be reporting on my credit report. This accoutn was opened as a corporate credit account when I worked for XXXXXXXX XXXX they signed the contract and I was an authorized user and NOT an owner or a responsible party on this credit card. My numerous attampts to have chase cease and desist their collection efforts went ignored. I'm still getting calls for this collection at my house, work and now my parents house. Now I got a call from chase threatening to take me to court or arrest me if this account was not paid. please help this is not my account!!!
Product: Payday loan, title loan, or personal loan

I took out a {$6000.00} loan from One Main Financial. I made a payment of {$240.00} for at least a year before defaulting. After an extended period of time, I settled the loan for {$5.00}. Im not receiving a 1099-C for a cancellation of debt in the amount of {$2800.00}. I have paid the debt in full so I believe I should not have to pay taxes on fees.
Product: Money transfer, virtual currency, or money service

Reference ID : XXXX My account was limited over 180 with funds in it.
Product: Credit reporting

This account was paid in full before leaving with this company. I do not understand why they are putting this account on my credit file. Please have is account removed immediately. The account information is XXXX Account # XXXX ( {$390.00} ) and Acct # XXXX ( {$190.00} )
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp due to inadequate customer service and unfair practices which violate Consumer Financial Protection Act. CashApp failed to make timely and effective measures to prevent and address fraud making my account vulnerable and unprotected. Their resolution process was unfair and deceptive.
Product: Credit card or prepaid card

I called CapitalOne concerning an XXXX charge that was on my card that i did not know about. I also told them that a XXXX charge was ok one time but it was not ok going forward because it is my X-Wife and she is no longer with me. The charge is for {$140.00} and is on my account twice without my permission. I can not stop the payments myself because i do not have the account information and this company never sends anything to this address in the mail. When i called they told me it's all done via email and if I don't have the account verification information then no account changes can be made. So i have these changes that will not stop. I told them to cancel the card and stop all payments to the account and they told me that all payments will be transferred to the new card per the agreement they have with Visa and Mastercard. So i can't stop the charges unless i close the account. Closing the account will have a negative impact on my credit because i just opened the account less than a year ago. All that i asked them is to stop the charges they tell me they can't. Please help me with this.
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 accounts 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 : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXXXXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXXXXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Midland finance was paid off last year on 1 account the other one has been paid off for year they fraudulently took my tax return for paid accounts that i do think i owed XXXX dollars after but not XXXX please help they are nasty rude and wont talk to me ... its fraud and its illegal
Product: Bank account or service

I signed up for the Wells Fargo optional Identity Theft Protection program earlier this year. It is a {$12.00} a month fee add-on product and service for credit monitoring, identity theft, and XXXX insurance. 
I called in XX/XX/XXXX to get rid of the product, the customer service agent assured me that the product was taken off and that I will not be charged for XX/XX/XXXX. XX/XX/XXXX came along and I received another {$12.00} fee, I went into the branch to dispute the charge the branch told me that they could not reverse the fee, but that I will not be charged in XX/XX/XXXX. XX/XX/XXXX came and again I received the same fee, this time I called customer service again they told me to go to the branch and the branch told me they could not do anything about the {$12.00} fee. We are now in XX/XX/XXXX and I still have the same {$12.00} fee. 
It has been six months from my initial communication with Wells Fargo and five months have past incurring the {$12.00} fee. That is a total of {$64.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX, XXXX, EQUIFAX
Product: Debt collection

I pulled my credit report and on it was listed a Judgement in the amount of XXXX for XXXX for a loan through NETPAYADVANCEXXXX. I have no idea what this debt is I have contacted the company as well as submitted 2 disputes on behalf of this debt andt trying to get it removed. The company however has been nothing near helpful with the removal of this debt. They tell me that all they can do is accept a payment on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$180.00} WITH CREDIT AGENCIES AND ALSO SENT ME LETTERS, I HAVE REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY CLAIM THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF, I AM NOT OBLIGATED TO PAY FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT
Product: Credit reporting or other personal consumer reports

Launch servicing failed to put my account under deferment even though I had shown them a letter of enrollment from my school. I filled out the form that they required which my school office filled out and signed confirming my enrollment and expected graduation. I sent the form back to launch servicing on XX/XX/year>. They have my account under delinquent and I am letters in the fail now asking to collect this debt with late fees. My credit score was also affected by this since they reported my account without putting in the deferment update. 

Attached the enrollment form that my school filled out. My school name : XXXX XXXX
Product: Student loan

1. GSFA is reporting a student loan with late payments for XX/XX/XXXX.
2. I disputed this as inaccurate with all 3 credit reporting agencies based on a deferment but the payment history was " verified '' by GSFA.
3. I requested an investigation by GSFA giving them documentation from the current servicer showing the student loan was approved for a deferment, therefore could not be late when no payment was due. 4. I requested a hard copy of my GSFA payment history and deferment do
cuments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Per phone call to GSFA, they advised me that I was approved for a student loan deferment to cover XX/XX/XXXX but refused to provide me with any copies of this approval when requested.
5. Section 623 ( a ) ( 2 ) of the FCRA states that GSFA has a duty to update information to the most current information. The retroactive deferment changed the accuracy of their reporting and must be updated to reflect the corrected accurate information showing no payments were due for the above dates. 

GSFA is reporting missed payments for reporting periods requiring no payments.
Product: Credit reporting or other personal consumer reports

I have XXXX inaccurate bankruptcies that I disputed on my XXXX credit report in XXXX. XXXX claims they spoke to the court but the court does report any information to credit bureaus. I requested validation and if they could not validate the information to remove the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Did Not Authorize any off These Accounts. this is fraud I'm a victim of Identity Theft. I'm a XXXX. I never use my credit or have I given any one Consent to open any account on my behalf
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XX/XX/2023.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XX/XX/year> I believe it's not mine ..due to fraud ... Identitytheft according to FCRA 605B