23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am filing a complaint against Experian for reporting an account that is not mine on my credit report. The account in question is a XXXX account that was opened in 2007. I have no knowledge of where this account could have come from. Not only is this account not mine, but it 's severely hurting my credit because the actual account holder is letting the account run late. As a result, I have been having late payments hit my Experian report for the past several months. I am attaching a screenshot of the account on my credit report showing the account number and the last time it reported. I have disputed the validity of this account to them and to this date, nothing has been done. This account is not reporting on XXXX or XXXX, which is further proof that it should not be there in the first place. Experian should not be reporting someone else 's information on a person 's report, even more so when it does not belong to them. The account number is XXXX. Please help me fix this. I have attached a police report, deed and title showing this mortgage is not associated with my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED DISPUTE WITH COMPANY TO VALIDATE THE INFORMATION REPORTING TO MY CREDIT BUREAUS. THE LETTER WAS RECEIVED. I HAVE THE RETURN RECEIPT AND A COPY OF THE LETTER THAT WAS SENT. I ALSO SPOKE WITH A REPRESENTATIVE AT THE OFFICE. I GAVE THIS REP ALL OF THE INFORMATION SHE REQUESTED TO PULL UP THE ACCOUNT AT THAT TIME. I WAS INFORMED THAT I WOULD RECEIVE A DECISION LETTER. HOWEVER, I RECEIVED A LETTER DATED XX/XX/XXXX STATING I DID NOT PROVIDE THEM WITH MY ACCOUNT NUMBER, NAME, ADDRESS, AND TELEPHONE NUMBER ON THE LETTER, WHICH HAS PREVENTED THEM FROM PROCEEDING WITH THEIR INVESTIGATION ULTIMATELY CONSIDERING IT CLOSED. THIS IS ABSOLUTELY FALSE. MY FULL NAME, ADDRESS, AND PARTIAL ACCOUNT NUMBER ( FROM MY CREDIT REPORT ) IS ON THE TOP OF THE LETTER I ORIGINALLY SENT TO THEM. DURING MY CALL WITH A REP, I AGAIN PROVIDED THEM THE INFORMATION THEY CLAIMED THEY DIDN'T HAVE. I FILED A COMPLAINT WITH THE BETTER BUSINESS BUREAU. STILL THIS COMPANY FAILED TO LIST THIS ACCOUNT AS 'DISPUTED ' ON ANY OF MY THREE CREDIT REPORTS AND HAVE THEREFORE VIOLATED FCRA SECION 623.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act. Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRY EQUIFAX : XXXX on XX/XX/XXXX
Product: Debt collection

I received an complaint regarding a disputed debt on my credit report. After the account was unable to be verified it was removed from my credit report. The company Credit Acceptance then filed a complaint suing me for this account. I received a copied contract with an electrotonic signature as verification from their lawyer firm XXXX XXXX XXXX XXXX XXXX XXXX. This very same contract was sent to my father claiming him to owe the same debt with the same electronic signature. I advised the lawyer firm of this inaccuracy to then receive papers in the mail for a judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX  
FCRA Violation: auto loan never late
XXXX XXXX XXXX XXXX

FCRA Violation: hard enquiry not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: collection not mine XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request your assistance in resolving an issue related to an inaccurate collection account that is currently being reported on my credit report by SECURITY CREDIT SERVICES The details of the collection account in question are as follows : Creditor/Collection Agency : [ Name of Collection Agency ] Account Number : [ Account Number ] Amount in Dispute : [ Amount ] Date of Alleged Debt : [ Date ] I believe that the reporting of this collection account is inaccurate and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I am concerned that : Inaccurate Information : The information being reported does not accurately reflect my history with the original creditor, and I have not been provided with any valid proof that this debt is indeed mine. 

Verification and Validation : Under Section 809 ( b ) of the FDCPA, I have the right to request verification of this debt, yet I have not received any substantiated evidence from the collection agency to confirm the legitimacy of this claim. Without appropriate verification, the continued reporting of this collection account is misleading and damaging to my credit profile.

Statute of Limitations : Furthermore, if this debt is being reported beyond my state 's permissible statute of limitations ( North Carolina ] ), I request that this be investigated and resolved accordingly. Reporting a time-barred debt is misleading and potentially violates the FCRAs accuracy requirements. 

As a consumer, I rely on my credit report to accurately represent my financial responsibility. The inaccurate reporting of this collection account has caused undue distress and has negatively impacted my credit score. In light of this, I kindly request that you investigate this matter thoroughly and take appropriate action to ensure this inaccurate information is corrected or removed from my credit report. I have tried to resolve this with the credit bureaus and the collection company states it is valid although they have not provided proof they are not the original creditor. The credit bureaus are not removing the disputed items I trust that the CFPB will help in ensuring my rights are upheld and that this issue is addressed promptly and fairly. Please feel free to contact me if you require any additional information or clarification. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I have made a prior complaint against my mortgage company for gross mismanagement of my mortgage since its inception. It was not resolved to my satisfaction, although the company was able to gloss over the details with the CFPB so that the case was closed. In XX/XX/XXXX and XX/XX/XXXX, the problem was finally resolved, but with no help from my complaint. It took me screaming and multiple calls to finally resolve the issue. The company, after 8 months of going from department to department, finally completed the paperwork to acknowledge that my mortgage did NOT have an escrow. In the interim, even after submitting my case, they continued to mismanage by suspending my payments because the amount differed from the expected payment ( with escrow ) even though they acknowledged their error with adding the escrow. <P/>In XX/XX/XXXX, I contacted the company and the suspended payment ( for XX/XX/XXXX ) was rescinded, no late fees, no issue to my credit - and they accepted my original loan payment as payment in full. <P/>In XX/XX/XXXX, I 'm starting to get robo calls to call them immediately. After 2 days of calling and returning, they acknowledge that the robo calls are for late payment reminders - but since the calls started on XX/XX/XXXX- I am 9 days from my payment being considered delinquent. They acknowledge their error - that robo call reminders do not go out during the 15 day grace period. <P/>I am alleging that this is retaliation for the complaint.
Product: Checking or savings account

During XXXX data breach my card was wrongfully used. I accrued over {$1000.00} in fees that XXXX  reversed but Wells Fargo would not and closed my account. I am no longer allowed to have a Wells Fargo account due to this
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I had been laid off work and was also out for XXXX for XXXX days without pay. I called XXXX XXXX to see what type of help I could receive because at this point I was already a few weeks pass the due date. I talked to one of the customer representatives to see what kind of help was available. The Rep told me to just set up a payment online. I told the representative I would not be able to pay until the following XXXX which would make be 30 days late if ensured me that as long as I made the payment arrangement before the 30 days they would not report it as being late. I asked was the call being recorded because I am in the middle of a loan for a house. I made the arrangement and the money was paid out XXXX XXXX. My loan XXXX informed me that I had a 30 day late on my credit report and I was no longer eligible for the loan. I would also lose the monies I paid for the home inspection and appraisal. I also would lose my XXXX money deposit. I called XXXX XXXX and informed them of all of this and they said if that is what the representative said they would honor that and fix the error. Nothing has happened and I stand to lose everything I worked hard for to buy my home.
Product: Credit card or prepaid card

Unactivated my reliacard so I cant use my unemployment benefits. I have done everything I was asked to do. I sent in 3 separate faxes proving who I am based on they're request and my account remains inactive. They have told me it was an address change that caused this but they sent my card to the wrong address and it was returned to first time causing a major delay in receiving my card so they requested a different address and now I cant use my card because of that. I've spoke with numerous people. XXXX and XXXX were the last I spoke with and continue to get no where. This is hurting not just me but my children as well.
Product: Checking or savings account

On XX/XX/XXXX and XX/XX/XXXX I received XXXX XXXX transactions to my checking account of Citizens Bank, one for {$500.00} ( XX/XX/XXXX ) and other for {$100.00} ( XX/XX/XXXX ) a total amount of {$600.00}, the purpose of that was to pay off some overdraft fees of {$140.00} and make moves on that account that I didn't use for a long time. Those transactions were supposed to be posted on the account on XX/XX/XXXX, but instead of that on XX/XX/XXXX Citizens Bank closed my account to charged off the overdraft fees and they deleted the two transactions from my transaction history. I went to the Citizens Bank branch on XXXX XXXX XXXX, XXXX XXXX, MA XXXX on XX/XX/XXXX to try to make an withdrawal and the teller notified me that the account was closed, when the account was open on that weekend that I received the transfer. I made a check to pay off the fees and I gave it to the assistant branch manager but this check wasn't send to the recovery department, alleging problems with the internal mail, so this person returned to me the check, more than week later on XX/XX/XXXX I payed off by phone the fee {$140.00} with my debit card to the Citizens Recovery Department, but the situation is that nobody knows what happened to the {$600.00} or where it is. 

I trayed to resolved it at the branch of Citizens Bank, but any of the options that they gave me works and nobody of the internal department that they trayed to contact none were helpful : XXXX They told me to contact the person who sent the money to put a claim on her bank, we did it but the bank ( XXXX Bank ) says the money were sent and can not be revoked ( I have a copy of the case summary of the claim ). It's means that the money wasn't returned to the sender. 

XXXX They told me to put in contact with XXXX but it says that all transaction made by the back mobile app have to be checked with my financial institution, in that case Citizens Bank XXXX 

I've been trying to resolve this situation with Citizens Bank by the most polite way posible, I feel disappointed and I don't trust in this Bank anymore, as a customer I feel robbed. Also, they didn't pay to much attention to my situation even I gave to them all the prove of documentations that prove my account was open on the date of the transactions : -I have XXXX emails from Citizens Bank that prove that the money were deposited on the account. 
-A letter from Citizens Recovery Department dated on XX/XX/XXXX the same day that the transfer supposed to be posted on the account. 

-I have a copy of the case summary of the claim that the sender put on her bank. 

- I have a copy of the check that was returned, and the email confirmation that I payed off the overdraft fee of {$140.00} to Citizens Recovery Department.
Product: Debt collection

I have received written correspondence regarding an alleged bill from XXXX XXXX XXXX via the debt collector Transworld Systems Inc. I have reached out to all of my medical providers regarding outstanding debt and have none on my record. I have not had any affect to my credit score as of yet, however I am concerned how this may potentially affect my credit, as my bill went from {$80.00} to {$300.00} in XXXX weeks. I have received XXXX letters in the mail with exorbitant interest rates on a bill that can not be traced back to any actual physician 's office. The bill in the mail looks legitimate, however when I tried to look up both companies online, I couldn't find any websites to support the legitimacy of these companies. The bills give me a space at the bottom to give credit card information and says if I just pay my bill, they will stop sending me letters in the mail.
Product: Credit card

I just logged this complaint with Synchrony today ( XX/XX/year> ). 

I am a long time Synchrony customer and have lodged this particular complaint at least XXXX times over the last 10 years. I've lost count, but it is an experience I have multiple times each year. 

When I pay my CareCredit account, the payment oftentimes does not get applied to the promotional balance that is the soonest to expire. Every time I make a payment, I have to check my online account to see if it is allocated correctly. If it is not allocated correctly, I have to call customer service and ask that the money be allocated to the balance that is expiring soonest. Otherwise, my promotional balance is not paid off as expected and I am charged retroactive interest on the entirety of the promotional purchase, which is insanely high at XXXX %. 

Synchrony could fix this if they wanted to. It is a simple programming change. I work at a competitor and have worked in both software engineering and complaints. I also know Synchrony has to report complaints to the federal government. From reading Synchrony 's XXXX reviews, it seems lots of people have fallen victim to this sneaky tactic of Synchrony 's. They think they're paying off their promotional balance, but the payments are being applied elsewhere, and then the balance expires and they are retroactively charged interest on the entire thing, and now they owe Synchrony hundreds more dollars on a balance they thought they had paid off. A lot of people don't have the resources or wherewithal to fight this and they just pay the money. I feel sad for all the customers Synchrony has taken advantage of in this way.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX E-Mail : XXXXXXXXXXXX XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX : TD Credit Card XXXX XXXX : Work Item Number : XXXX Ref. No : XXXX XXXX XXXX, XXXX are the following items that I am continuing to dispute for the following reasons : XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX for tickets to the Jazz Festival that were sent to me by mail XXXX month after the event. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX for office supplies that were delivered to the wrong address and left by the XXXX. 
XXXX. XXXX/XXXX/XXXX XXXX Deals XXXX} for a drone that was purchased as a gift for my grandson that was also left at the wrong address. 
XXXX. XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX this was an order that was placed through my XXXX account that was hacked, we did not place this order. 
XXXX. XXXX/XXXX/XXXX The XXXX XXXX} for XXXX concert tickets that were never used as the concert was an hour and a half late getting started. We left after waiting over an hour and requested a refund of the tickets. 

I have sent his information last month by mail and it was lost or is sitting waiting for a response. I would like for someone to call me at XXXX XXXX XXXX XXXX to acknowledge receipt and to conclude this matter asap. 

Very Truly XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Case dismissed, no proof that debt is accurate and/or belonging to me with accurate information and proof, signatures
Product: Vehicle loan or lease

On XX/XX/2017 I was in XXXX XXXX XXXX in XXXX XXXX to get a new car. I was going to do a finance option and said they could run my credit. I told them to run my credit, but later I found out they had run it for 5 different times in the span of the 15 minutes? I believe once would have been suffice. These 5 hard inquires have brought down my credit score They are still there 1.5 years later. I would appreciate them being removed. Thank you.
Product: Money transfer, virtual currency, or money service

Zelle suspended my account without any cause while I was banking with XXXX XXXX and wont let me reenroll my email with another bank. I think this was motivated because of my ethnicity and last name.
Product: Credit reporting or other personal consumer reports

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Credit card or prepaid card

CareCredit card ; a feature of the card is promotional purchases, which defer a high rate of interest ( 26 % + ) for a set amount of time ( example : 12 months ), and if the amount is paid in full before the promo period expires, the interest is waived ( leaving you having paid 0 % interest ). 

Prior to XX/XX/2022, if you made the minimum payment for the month, it would be applied to the soonest-expiring promotional balance on your account. So, for example, if you had promo balances expiring in XX/XX/2022, XX/XX/2022, and XX/XX/2022, a payment you made would be applied in full to the XX/XX/2022 promo balance. If the payment was bigger than the total amount of the XX/XX/2022 balance, the remainder would then be applied to the XX/XX/2022 promo balance, and so on. 

In XX/XX/2022 CareCredit made some sort of change to, instead of applying your payment to the soonest-expiring promo balance, " skip one '' and apply it to the next promo balance after. But they didn't tell anyone that they were doing this. Their representatives say " they can not tell you why '' their system is doing this. 

So in the example, your payments would all go to the XX/XX/2022 promo balance, and as a consequence you would " fail '' to pay off the XX/XX/2022 promo balance. As a result of that, the 26 % + interest on that XX/XX/2022 balance that had been accumulating **since its original purchase date** would be added to your account balance, as a non-promotional amount that in turn begins capitalizing more interest atop it at that same 26 % +. 

This change in payment application is not disclosed to the debtor at all. Further, this change is not visible to the customer unless they are cross-checking every payment to try to figure out how CareCredit applied it. 

This has been done with to 3 payments in a row that I have made since XX/XX/2022. I have had my account for years and can speak authoritatively to the fact that this is new behavior. 

When talking to CareCredit on the phone, including manager escalation, they have alternately said that : ( a ) the only way to ensure that your payment is made to the soonest-expiring promo balance is to phone in after making the payment in order to have it reallocated from wherever they applied it to, or ( b ) that how payments are applied is complex and unpredictable. 
( a ) may be true as of XX/XX/2022, but ( b ) is absolutely false -- again, I have had my account for many years, and I am well-versed in how application of credit card payments works and why -- not a novice here. Until XX/XX/2022, payments were always applied -- in full -- to the soonest-expiring promotional balance. 

Phone representatives do not take this seriously and either shrug off the issue or give you the runaround, offering only, when pressed, that they will reallocate a payment you just made to the soonest-expiring promo balance, but you have to call in to ask them to do so. 

This is a pretty clear racket to trap debtors into " failing '' to pay off their promo balances before they expire, at which time it will be the " debtor 's fault '' that they " now owe '' the accumulated interest due to the " failure. ''
Product: Credit card or prepaid card

Someone gain access to my account and used my card in 3 different states I never been to completely wiped out my bank account before I noticed it leaving me with nothing. I can't get ahold of anyone on the phone because I don't have access to my debit card. Only option I have is talking to support through the chat which has horrible customer service I'm not a fast typer in the middle of me emplaning what's the issue the customer service rep 's keeps ending our chat because I'm not a fast enough typer which doesn't allow me to explain my situation.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts reporting that I do not recognize nor authorized.