23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My XXXX payment was due XXXX XXXX of XXXX. I paid on XXXX XXXX. Then I paid on XXXX XXXX XXXX for my XXXX XXXX bill. I received my next statement and I still owe XXXX for XXXX. At first, I thought the statement just came out before my payment showed, but looking at the statement the XXXX is on there. The rep told me that I had to pay after XXXX. I said, " so you are telling me I only have 3 days to pay my bill or it does n't count, " and she said yes. She said she would check with a supervisor and she said the supervisor said I would still have to make an additional XXXX. Once my XXXX payment was met and it was after the due date any funds sent to the company should have paid my next bill. I told her I would be filling a complaint.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of [ XXXX ]. Please investigate and provide proof with statements showing that shese payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks!
Product: Consumer Loan

My auto loan statement from Toyota Financial Services does not include the interest accrued to date. I believe that this information is supposed to be shown on my statement ( see attached ).
Product: Checking or savings account

A transfer occurred from Ally savings from XXXX XXXX ( legitimate ) to XXXX XXXX ( fraudulent ) on XX/XX/year> for {$3000.00}. Same type of transfer on XX/XX/year> was for {$5000.00}. These funds were never authorized by my daughter, XXXX, nor I, who both own the account. 

Her username with Ally is XXXX XXXX and her legitimate recipient account nickname for XXXX XXXX is XXXX XXXX She doesnt use XXXX XXXX for anything. Upon looking at her XXXX XXXX  account and XXXX accounts, those XXXX amounts were never received, further verifying that it was not her that authorized those transfers. 

We have placed several phone calls with Ally to investigate this and to protest their findings. They deemed that they are at no fault ( and insinuated that she is at fault somehow ) and that she will not recover the total of {$8000.00} loss. In a phone call a few weeks ago, they basically stated that they investigated and that they had found her at fault somehow and that not only would they NOT reimburse the {$8000.00} ( FDIC INSURED ), but they would shut the account down and send her a check for the balance. 

As of this weekend, not only is the account not at a XXXX balance ( shut down ), but it seems its almost being held XXXX, as the money cant be transferred or accessed online any way. The account has been in limbo for several weeks now. Ally doesnt communicate with us, rather we find things out when we place the phone calls to them. 

We have filed a police report, an fbi report, are doing everything by the book, and still no satisfaction with Ally, with whom we thought the money was protected.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies in my credit report, specifically regarding multiple requests to correct late open attempts, late closed accounts, and an inaccurate charge-off status. These inaccuracies have had a detrimental impact on my creditworthiness and financial standing, and I am requesting your immediate attention and assistance in rectifying these issues. 

Below, I have outlined the specific inaccuracies that require your prompt resolution for correction and removal XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} - Evaluate this reporting by revising the information provided. Modify and perform any corrections or update this from my file. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information XXXX be inaccurate. I need this account removed NOW. 

XXXX XXXXXXXX  Balance Owed : {$0.00} - XXXX see things XXXX be inaccurate. XXXX looking at the account name, opening date, and high balance. I believe this information XXXX be inaccurate. Immediate removal of this item is necessary. 

XXXX XXXX XXXX XXXX : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information XXXX be wrong. I need this removed immediately. 

XXXX XXXX XXXX XXXX  : {$0.00} - Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXX  Balance Owed : {$710.00} - The limit to this account was a fraction of the amount due it was stating. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

I have attached copies of documents that substantiate my claims, including [ attach copies of any relevant documents such as dispute letters, account statements, or proof of timely payments ]. 

I request that you take the following actions promptly : Initiate a thorough investigation into the accuracy of the disputed items without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or unverifiable information from my credit report. Failure to address these issues in accordance with the Fair Credit Reporting Act ( FCRA ) can result in legal consequences. I trust that your company will handle this matter with the utmost professionalism and in full compliance with the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX - Balance : {$3800.00} - Account # : XXXX XXXX XXXX, XXXX - Balance : {$440.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$360.00} - Account # : XXXX XXXX  XXXX XXXX XXXX - Balance : {$1600.00} - Account # : XXXX XXXX XXXX  XXXX - Balance : {$320.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Debt collection

Synergetic communications Inc. based out of XXXX Texas is stating that they are representing a creditor called XXXX XXXX XXXX and that I owe a debt originating from XXXX  XXXX. I never of had such a debt nor have owed that debt. Ive looked through my credit report and show no record of it existing. I have excellent credit and would easily know if I owed anyone. This seems like a scam or some type of bogus attempt to extract money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto is reporting erroneously on my credit file. I recently took a look at my credit and noticed that this loan is reporting as a charged off debt. I was never aware that this account had been charged off as I have been making my monthly payments and continue to make monthly payments. I was never called or notified or even receive statements that my account had been charged off. I ask that they please remove the charge off status, this is a good open account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

Company showing. multiple dates when account was opened and multiple accounts they are reporting forXX/XX/XXXX XXXX also showing XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

Credit reporting is in acurract with this collection Calvary
Product: Credit reporting or other personal consumer reports

after I read the company 's response to my complaint I reached to the creditors and discussed what was advised and in spite of me explaining to them that I didn't give permission to run my credit which caused the inquiry has not been done by the creditor or Equifax. 
attached are the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma claims " We now check both your XXXX and XXXX credit score and reports every day. While scores and reports typically dont change daily, well update your data when they do.

Keep in mind that lenders dont always report information to the credit bureaus right away. If youre not seeing information you expected, its most likely that your bank or lender hasnt reported to the credit bureaus yet. '' they are claiming to check credit reports daily everyday, this is false as I have a subscription with XXXX and can in fact see that my XXXX report updated many days before credit karma updates. This is false advertising and is in violation of the law.
Product: Credit card

My wife was charged monthly for four months for a rewards program that she did not sign up for and was not even aware of. I pay the bill and the charges were from a company she occasionally orders from, so I did n't notice. When she started to get a subscription to XXXX XXXX, she called and learned that she had been automatically signed up as part of this program. I have submitted a dispute with my credit card company and I expect it will be resolved, but I 'm wondering how these vendors can get away with what must clearly be an illegal practice. The company ( as listed on my credit card statement ) is XXXX MD XXXX. Friends have mentioned something similar happening to them. Can this be stopped?
Product: Debt collection

XXXX keeps selling a debt that does not and has not belong to me. It has been removed several times from credit bureau. They keep putting it back on my credit report as a new account and I have to dispute all over again and fight it all over again this is the 4th time they have switched collectors and added it as a new account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed certified letters to Transunion and XXXX on XX/XX/XXXX, requesting for them to send me documentation that prove that these accounts belong to me. I also spoke via telephone with representatives of credit bureaus in XXXX, XXXX, XXXX, and XXXX of XXXX in attempts to get these accounts removed because they are not mine. I have an active account with XXXX XXXXXXXX XXXX who reported a XX/XX/XXXX day late payment ; however, I was never late. Also. XXXX XXXX ( formerly XXXX ) is reporting late payments that I was never late on. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX ; Account name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX XXXX # XXXX ; Account Name : XXXX XXXX ( formerly XXXX ) # Unknown, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

First of all let me just state that the card/account I have with Bank of America is through XXXX. I am currently unemployed and the money I had on my card was for my upcoming rent. I had went to this banks atm on the XX/XX/XXXX to take out cash which was {$200.00} for my phone bill. I did not go the following day at all which shows on my bank statement {$800.00} dollars were taken on XX/XX/XXXX. I noticed the amount taken probably 2 days later. I called Bank of America and filed a claim right away. I was told if they were to find out who took any money if I would like to press charges and I agreed to do so. They advised they were going to look into the matter and I would hear back from them within 7-10 business days. I was sent a new card within XXXX business days. I finally received a response in regards to my claim on XX/XX/XXXX. It mentions that the claim was resolved and they show multiple factors that I or someone I gave permission took the money out of the account. I called the number on the paper I received within minutes from receiving the letter to speak to someone and I asked why they are assuming I or someone I know took the money. The lady stated it was based off of the location of the bank. That is definitely not a good enough reason in my opinion. She asked if I would like to resubmit the claim so they can look it over again and I agreed to do so. I am also waiting to receive the documents that were based on their decision. I feel they didnt look into this enough, they should have video surveillance and/or time stamps etc. This is fraudulent and wrong. This money is my only source of income at the moment. I really can not afford to lose this money.
Product: Credit card or prepaid card

Ok back on XX/XX/2019, i receieve a message or text from jcp card service asking me about a purchase that was made a ( alert ) so i quickly call them up to let them know that it was not me! so they say let close your card and i say ok let 's close my account completely and stop this order from shipping they say ok done! so they open a faud investigation. the next dayXX/XX/2019 i get a message or text telling me the item has ship! i call back right way, and ask where did you let this ship, i was told that you could stop it but you didn't. so they could not answer me so they but me with the fruad unit again so i ask why has this going this far, this should have stop case over! as where has this item been ship to, could not tell me ok! look up the tracking information and find out the item is beening ship to me! still know help from JCP and they investigtion unit! so i call XXXX   XX/XX/19 and spoke with someone that in charge i explain everything to them and ask them to make sure the driver does'nt stop and give this to anyone on the road or drop it off on my door and leave it, to please deliver it to me on my hand. than i XX/XX/19 call the sheriff 's department and they quickly send a deputy to my home, Deputy took my statement and waited for the XXXX  to come, deputy was present went the deliver was make and i open item up in front of the deputy and it was the item in question! XX/XX/19 return item to XXXX in person, spoke with a XXXX XXXX assistant store manager, in which she sign for the return in question, now they say i have never return the item i have been going back forward with JCP credit card servics since this issure and still saying no item return!! but i did speak with one of the operator from card service and she did confirm that the item was return, So why is JCP card services keep going around in circle, i just receive a letter telling me item has not been return.This is very tiring, i have submit the proud to them numerour of time over and over again. PLEASE HELP ME!!! one more thing i also told them to check they security cameras or surveillance cameras and you will see me thier with the Assistant store Manager : XXXX XXXX. Very convenient for them that this store manager has been move to other store!!!! not soon after this happen! 
other thing i also told them that my credit report and score is excellent, that it make no sense for me to do anything like this!!! i just goe a new letter from synchrony bank tell ing me that the item has not be return.if i have any question i could call open a new re -- evaluate again and again here we go again back and forward. i have spoken to a attorney and was told once they ruin my credit than we have a case. so htet advise me to file complain with you and the FTC which im doing now!! SO PLEASE HELP!!!!
Product: Debt collection

I recently reviewed my credit report and noticed several accounts that appear to have been added without my permission. I ask that these unauthorized accounts be removed from my report right away.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I got an account to purchase same as cash. I have tried making payments but I cant online as the account number is not on the statement but I never received a card after ordering on line. When I ask for them the fourth time and ask for a supervisor they hung up on me. As the interest rate XXXX % this is definitely a XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.
Product: Debt collection

Filing an harassment complaint on Zales credit card 's collection company Comenity Bank. For the month of XXXX due to unforeseen circumstances a full payment could not be made. However the goal was to make a partial payment so as not to miss paying each month. However since that time Zales has been calling my repeatedly sometimes multiple times per day.

1. This screenshot shows a payment of {$50.00} was paid on XXXX XX/XX/2022. 

2. However since that time Commenity has called a total of XXXX times in 4 days beginning on the XXXX of XXXX a. XXXX XXXX ( 3 times ) i. XXXX XXXX. XXXX XXXX. XXXX b. XXXX XXXX ( XXXX times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX vii. XXXX XXXX. XXXX ix. XXXX x. XXXX c. XXXX XXXX ( 5 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX d. XXXX XXXX ( 4 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX e. XXXX XXXX ( 6 times ) i. XXXX XXXX. XXXX XXXX. XXXX iv. XXXX v. XXXX vi. XXXX
Product: Checking or savings account

Unable to link my account with XXXX, XXXX XXXX, and other payment/savings sites. This is unacceptable when other banks allow it so easily.