23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

The company wants payments on payday. I gave them my paydates - every other Thursday. For the entire period of the loan they have taken the payment on payday - thursday. Today they took it early causing my bank account to be overdrawn. I tried to contact them and wort it out. They refused and refused to give me contact information for other departments. They never disclosed that they were tribal owned and that my litigation rights would be impacted.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The EXPERIAN credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I recently changed my name ( for personal reasons, not marriage or divorce ) and moved. While I understand the security risks, Discover says that they can not issue me a new card even though my name and address have been changed on my account. Essentially, the information on my account ( in the computer system ) has all my correct information but Discover wo n't issue me a card reflecting it. They ask me multiple choice questions based on public record but my answers are apparently wrong. They keep saying someone will call me to follow up but no one ever does.
Product: Credit reporting

Transunion inserted several inquires in to my credit report. I was never notified and did not apply for credit. 
inquires below listed are in error : XXXX XXXX XXXX and XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX, personal XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be  investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

I opened a Affirm.com account in XX/XX/year>. I paid my bill entirely within a few months and in XX/XX/year>2024 requested my account be closed. They told me due to technical difficulties they were not able to close my account. I spoke to a supervisor on numerous occasions and still get the same story after almost 3 months. I owe nothing to this company and I want the account closed.
Product: Debt collection

I called and the information provided was that I was being charged for {$110.00} as a " Charity Write Off '' for a medical procedure from XXXX years ago. I was also told this was due to no insurance and I was fully insured during this period. The total bill was for {$500.00}. What medical bill is for {$500.00} and why would I only owe {$110.00} if I didn't have insurance? 

This is negatively impacting my credit and isn't fair. I pay my bills and the collection agency makes you feel like you need a shower after dealing with them. I shouldn't have to pay this extortion, but for {$110.00} to make it go away is tempting. Please let me know if you can help. 

I did not take the time to pull all of my old insurance info and medical history, but I am sure I can provide documents if necessary to prove that I had insurance and paid my copay at all visits.
Product: Checking or savings account

My complaint also includes unfair assessed NSF fee 's, my cash deposit 's and unfair " DEBT COLLECTION PRACTICES ''. On XX/XX/XXXX, I was assessed " unfair and unwarranted '' NSF fee 's. I deposited ( in CASH ) {$65.00} for my Chase Check # XXXX on or about XX/XX/XXXX. I have attempted to communicate " effectively '' with Chase Banks ' rude and unprofessional representatives. However, my many repeated request 's for a reasonable meeting of the minds have fallen on deaf ears. I spoke with XXXX in the Chase Corporate Office. I requested to speak with a Corporate manager ( via XXXX ). I was told ( by XXXX ) that a Corporate manager would return my telephone call ( ASAP )! However, as of this filing, I have NOT heard from a Corporate Manager ( from Chase Bank ). Any and all supportive documentation will be faxed to CFPB for the use of this complaint " only ''. All personal information used in this complaint, is NOT to be used by the CFPB " only ''.
Product: Credit card

On review of this account is seems that they have created a whole new account number to the previous account that i had. I have lost access to online due the account being closed and no longer receive statements. I have called several times and get no where. Now i am being harassed with phone calls even after i have made payments the account. Only to be told im still past due for the other account that is connected to the current account. I was called for account ending XXXX at XXXXXXXX XXXX then at XXXX XXXX XXXX but being told that i only have one account but receiving collections for an account that does not exist.
Product: Credit reporting or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the balance, status of account, the date last active is inaccurate, and date last reported is not accurate. They haven't updated my credit report on XXXX in 4 months. This ground for removal they also violated my rights under 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
Product: Mortgage

I started having a big problem when the economy was very bad because I am XXXX XXXX and a XXXX XXXX. This loan is a second mortgage. I have been able to work out a solution with my first mortgage of which is XXXX. 

Every time I tried to work with M & T they wo n't work with me. I had to file an emergency bankruptcy to stop the last sale which was on XXXX XXXX XXXX.I also made a mortgage payment to them and they accepted the payment. When I tried to pay again they would not accept my payment.
Now I have another sale date XXXX XXXX XXXX and my first mortgagee does not know anything about the sale date. I told them about it today.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : The reported late payment for XXXX, XXXX, XXXX and XX/XX/XXXX are incorrect. My payments were made on time, as confirmed by my bank statement ( attached ), which shows that the payment was processed and cleared before the due date. 
Clerical Error : There appears to have been a clerical error in recording the payment. My account history with XXXX XXXX shows consistent on-time payments, and the sudden report of a late payment does not align with my payment behavior. 
Extended Processing Time : The payment was made within the grace period provided by the creditor. However, due to an extended processing time on the part of the creditor, the payment was erroneously marked as late. This delay in processing should not negatively impact my credit report. 

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I am writing to express my profound frustration and disappointment regarding the ongoing failure to remove fraudulent items from my account, despite numerous attempts and escalating complaints. Despite my persistent efforts and cooperation, the fraudulent charges persist, causing significant financial and emotional distress. 

The persistent presence of fraudulent charges on my account not only undermines my confidence in your organization 's ability to protect its customers but also reflects poorly on your commitment to addressing fraudulent activity promptly and effectively. 

Conduct a thorough investigation into the origin and nature of the fraudulent charges. 
Promptly remove all unauthorized charges from my account and ensure the reversal of any associated fees or penalties. 
Provide a detailed account of the steps taken to address the fraudulent activity, including an explanation for the persistent delays in resolution. 
Implement stringent security measures to prevent similar incidents from occurring in the future. 
I emphasize the urgency of resolving this matter expediently to restore my faith in your organization and safeguard my financial interests. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX} ; XXXX XXXX XXXX Balance Owed : {$XXXX ; XXXX CRED XXXX Balance Owed : {$XXXX} ; XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX Balance Owed : {$XXXX0} ; XXXXXXXX XXXX **** Balance Owed : {$XXXX}. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$XXXX} XXXX XXXX XXXX Balance Owed : {$XXXX}
Product: Debt collection

XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Incorrect Reporting on Paid Off Account Dear Sir/Madam, I am writing to dispute inaccurate information regarding a paid-off account with XXXX  XXXX. Upon reviewing my credit report, I noticed that the account still shows an outstanding balance, which is incorrect. 

The account in question is [ XXXX ], and it was fully paid off on [ XX/XX/XXXX ]. I have included documentation, such as proof of payment, to support my claim. 

I kindly request that both XXXX XXXX and TransUnion update my records to accurately reflect that this account has been paid in full and that the balance should be reported as XXXX.
Product: Credit reporting or other personal consumer reports

I was an authorized user my my fathers account and I paid him directly for the amounts I used. He took my payments and defaulted on the loan, now the delinquency is being reported on my credit bureau file as delinquency and charge off. XXXX XXXX XXXX XXXX XXXXXXXX XXXX in the $ XXXX dollar range
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, 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. These accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX ], are not complete and accurate. 

And XXXX more thing according to 15 USC 1681s-2 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: Credit reporting or other personal consumer reports

I have not recieved any verification that this was of my doing. I did not authorize these inquires nor signed documentation to have credit report pulled and it has been over 90 days. laws in 15 USC 1692 have been violated by the company 's actions and i request you to remove these hard inquires from all bureaus immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was fraudulently charge {XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the bank but they have never investigated the account. And now charged me interest fee, even though my bank account is charged in full. I spoke with someone called XXXX, who is supposed to be a supervisor but hang up on me without answering any questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one 02/05/2023
Capital one 02/08/2023
Capital one 03/08/2023

SYNCB/Amazon 02/05/2023
Product: Credit reporting, credit repair services, 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 XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX & XXXX  Date of inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I did not initiate this account, and I strongly suspect it to be fraudulent. I strongly believe they are fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts, nor did I live at these addresses. I also did not authorize these companies to run my credit.
Product: Credit card or prepaid card

Dear Consumer Finance Protection Bureau, I am writing to file a complaint against Synchrony Bank for unfairly lowering my credit limit from {$4000.00} to {$3200.00} without sufficient reason. I am requesting your assistance in investigating this matter and resolving it as soon as possible.

My complaint stems from my recent purchase of a sectional from Rooms to Go, which was financed through Synchrony Bank. At the time of purchase, I was not made aware that the financing was through an actual credit card. It was advertised as a store credit through rooms to go and not synchrony bank that was giving me financing. I thought this was like a arrangement where I pay the store back on monthly payments. So this was false advertising and misleading information provided. This immediately had a negative impact on my credit score because of the high usage. 

Recently, I received a letter from Synchrony Bank stating that they had lowered my credit limit based on a credit scoring system that predicted my creditworthiness. The letter further explained that their decision was due to a number of reasons, including not enough balance paid down over time on real estate secured loans, too many inquiries, balances on bankcards that are too high compared with credit limits, and too many accounts recently opened. 

However, these reasons are not a true reflection of my creditworthiness or my payment history with Synchrony Bank. I have always made payments on time with auto-pay, and I have never missed a payment. 

Therefore, I am requesting that Synchrony Bank raises my credit limit to {$10000.00} to correct the negative impact this has caused on my credit score. Additionally, based on the letter I received, Synchrony Bank ran my credit without my permission, and I request that this inquiry be removed immediately. Lastly my name is spelled XXXX XXXX not XXXX XXXX. This shows there lack of attention to detail too. 

I appreciate your attention to this matter, and I am hoping for a prompt resolution. 

Sincerely,
Product: Credit reporting

I went to Experians website to receive my free credit score from them. After inputing all the necessary information I was directed to a screen that required me to pay to get the information. {$1.00} per day and the {$21.00} per month. Ive asked them to clarify their offer but have not received a response.
Product: Money transfer, virtual currency, or money service

I have been a customer with Binance U.SXXXX since early XXXX. On XXXX XXXX, I was locked out of my Binance U.SXXXX account. Binance U.S. has no telephone contact information, so I filed a " ticket '' by email. I have about {$52000.00} in this account in U.S. dollars. I can't tell you the exact amount because I am locked out of my account. Today is XX/XX/XXXX, and there has been no response. I do not find being locked out with no access to customer service acceptable when I am a customer and they are refusing me access to my own money. I can not withdraw it, nor can I invest it. My funds are just stuck in limbo. I also can not view my account activity to do my taxes! 

I have not engaged in any suspicious activity so there is no reason for them to have flagged my account.
Product: Mortgage

My husband and I refinanced our home in XXXX, 2015. The former mortgage company was Green Tree. Since then we 've gotten several letters and phones calls from them regarding different things from insurance nonpayments to today 's call saying that we owe the XXXX payment plus other charges that were n't named. On their own website it shows that we have a balance of XXXX but they state that 's inconsequential and incorrect. The conversations have become increasingly rude. I 've had my mortgage broker call on my behalf but they tell him one thing me something then my husband something different again. 
Previously, they failed to accept the cancellation of my homeowners policy so they paid XXXX policies for a year and a half leaving my escrow several thousand in the negative. I had to deal with that myself with no help from them. Next, they are hounding me for XXXX 's payment that I do not owe and are being rude. Why would they tell us an incorrect amount for payout? Now they are threatening to make the escrow balance even less and therefore me owe them more by paying the taxes that are due even though we have paid off the account. UGH! The woman on the phone seemed to think she was being tough or threatening by stating that the account was still open and we still owed money. Please help! THESE PEOPLE ARE HORRIBLE! THE ONLY GOOD NEWS HERE IS THAT WE HAVE MOVED ON TO ANOTHER COMPANY!!!!!
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 XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

Comenity Bank has been making harassing/repetitive calls to collect a debt. Just within the last 7 business days they have called a total of 38 times using a variety of different numbers as well as blocking their number. 

XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX   Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  Blocked XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  Blocked These types of calls go on beyond those dates but that is all I currently have logged on my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  ( Original Creditor : XXXX XXXX  XXXX  ) # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL has violated my rights.

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
Product: Credit reporting or other personal consumer reports

The Company reported this account as a charge off on my credit report. The company is committing tax fraud by keeping this account on my consumer report when the debt has been cancelled.

According to 15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in " consumer reports ''.

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715,719, I May presume that no proof of the alleged debt, nor therefore any such debt in fact exists.

According to 15USC 1681eb Compliance Procedures maximum possible accuracy.

According to 15USC 1681a ( 2 ) ( b ) says the consumer report does not include authorizations or approvals of specific extensions of credit. 

I also read that inaccurate account that is furnishing on my credit account as debt is cancelled debt.
Product: Checking or savings account

XXXX I was robbed for my credit cards information realtor info college degrees certificates breeched and my bank accounts were drained without my knowledge
Product: Credit reporting or other personal consumer reports

After reviewing my credit reports, I have identified some information that were not authorized. I'm a victim of Identity theft and this information is inaccurate