23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/2016, my father offered to pay my Citi card. He forgot when he had to have multiple back surgeries and the account fell a few months behind. I was never called, no letter received or email about the delinquency. I did not know my father had forgotten. My wife pulled my credit in summer of XX/XX/2016 and was shocked when she found how far behind I was. I immediately called in XX/XX/2016 and made a payment of {$100.00}. I also made a few more payments and enrolled the account into debt consolidation with " XXXX. " The contract with XXXX was accepted and signed by CITI before XX/XX/XXXX. The contract was ratified on XX/XX/2016. A payment had been made to CITI before XX/XX/XXXX. Another payment was made XX/XX/XXXX Payments have been made continuously since XX/XX/2016. The account is showing as Charged Off. I have been calling for months about this since I am actively paying the account and have been since summer of XX/XX/2016. Each month that I made a payment, CITI noted the Charge Off. CITI entered a contract to not charge off, accepted payments and terms they would not Charge Off the account. I have been calling for months and gotten atleast XXXX different departments who tell me different things. One says they didnt accept terms, another says they did but the charge off was before they accepted, another says there was an error on their part, and lastly the last phone center rep said that I was in PRE-Charge Off when the first payment was accepted. Reguardless, CITI is violating the terms of the debt consolidation agency, their own word and the law by accepting payments on an account that they claimed they never received funds for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporter act XXXX  account number XXXX BANKRUPTCY COURT-XXXX  XXXX, XXXX DPT TREASURY, inquiries XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX has violated my rights. 15 USC 1681 Sec 602-8 states that I have the right to privacy. 15 USC 1681section 604-a section 2. i also states a consumer reporting agency can not furnish your account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXX/XX/XXXX - {$5900.00} - THIS CREDIT FILE DOES NOT BELONG TO ME
Product: Checking or savings account

Chime bank had confiscated XXXX dollars that I had in my credit builders account not checking not savings account I am talking about credit builders account I been more than 5 month even try complaining here and the bureau investigated the wrong account waisted 3 month of investigation to tell me the wrong info about my checking account wen I am not talking about that account very poor investigation was made very lil effort I really need that money I need someone with more understanding that can help me make this ppl pay this money back to me I have more that 35 emails proving all this issue and still they getting away with this its not XXXX dollars it's XXXX dollars that I can't belive they will be stolen and nothing can't be done even with evidence law ls are so curopted
Product: Credit reporting or other personal consumer reports

I am sick of unethical incompetent, Transunion I asked the Transunion represent the paperwork that shows a XXXX XXXX utilizing my name within a backwards format If no documentation is presented with XXXX XXXX, utilizing my name within a backwards format. I want this fully removed from my Credit Report that allow people to commit fraud with utilizing my name backwards. 
My XXXX XXXX report shows XXXX, XXXXXXXX XXXX  I want this fully removed only one name should be on my credit report within this format is XXXX XXXX XXXXXXXX nothing in between my name this inaccurate names and backwards name is fraud committed by employees or managers to create false accounts and credit cards stop utilizing my name backwards this is fraud and misleading I want it fully removed I want XXXX XXXX XXXX XXXX on my credit report only to prevent fraud and fraudulent activity on my account I have asked this company to remove this name over 15 months ago
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th 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 alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : {$0.00} CXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My children and I visited XXXX is located in XXXX to unlock credit file and to recieve credit report as customer relation team advised me to submit XXXX failed to provide credit report and credit score. 
Attached files visiting XXXX and submitted in person, staff of XXXX scanned documents. 

Let me get my credit report and score ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ... the following accounts violated my rights... 

-XXXX XXXX XXXX ( {$19000.00} ) -XXXX # XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$0.00} ) XXXX XXXX  XXXX XXXX XXXX XXXX {$8300.00} ) -XXXX XXXX # XXXX XXXX15USC 1681 Sec 602A states I have a right to privacy ....

-15USC 1681 Sec604A Sec 2 states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EQUIFAX about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XX/XX/1974. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Money transfer, virtual currency, or money service

Im selling a product at XXXXXXXX XXXX  cost {$30.00} only, the buyer sent the payment thru XXXX XXXX ( newly created acct ) and ask my email address for confirmation and then I received an email that my XXXX XXXX is acct restricted saying that my acct is limited and not a XXXX XXXX XXXX acct so I need to contact the buyer to send me {$300.00}. So that it will change to business acct and be credited immediately in my account. The next thing happened is that he asked me if he can trust me on refunding the {$300.00} because he got deducted. Then I received an email that my acct has been upgraded to a business account and final steps to follow on how he will be refunded. But the {$300.00} that he sent is not yet deflected on my XXXX XXXX but he said it wont show up until Ill make a refund and a screen shot proof thru the confirmation email. He sent me his XXXX which XXXX XXXX, but acct not found. He then sent me a number to which I will send the money XXXX name XXXX XXXX but its pending. So he asked me to cancel the payment. He provided another another XXXX XXXX XXXXXXXX, I sent another {$300.00} and completed but it has been refunded by the app and said fail. He called me and asked me if I can just refund
Product: Credit reporting or other personal consumer reports

I mailed a dispute to Experian in regards to incomplete information and inaccuracies on accounts on my consumer report. Experian conducted an " investigation '', but the accounts still contain inaccuracies and incomplete information. I am requesting Experian conduct another investigation on the accounts I am disputing. Please see attachments.
Product: Credit card or prepaid card

I am the subject of an improperly handled bill payment transaction with PayPal Credit ( Synchrony Bank ) for two lines of credit -- one interest-bearing at 12.99 percent and the other at a promotional rate of zero percent for six months. 

I am reporting this issue to the CFPB to ensure that Synchrony Bank does not benefit from any penalty revenue paid and that I am properly refunded. I also hope that Synchrony Bank is held liable for this and that this serves as evidence of negligence on their end in any future legal proceedings. 

On XX/XX/23 I called PayPal Customer Service to make a payment to PayPal ( Synchrony Bank ) prior to my due date of XX/XX/23. I asked PayPal to charge my bank account {$490.00}. I asked them to first allocate roughly XXXX dollars of this, the minimum payment due on the interest-bearing account, to the interest-bearing account. I then asked them to allocate the balance of this payment to the zero percent promotional account. 

On XX/XX/23 I was notified of a missed payment by Synchrony despite having asked them to post my payment. I called customer service and spoke with a " XXXX XXXX '' ( Confirmation # XXXX ). This individual told me they remedied my issue and that my account was no longer delinquent. 

On XX/XX/23 I received a letter from PayPal Credit ( Synchrony Bank ) stating that they could not make the allocation as requested because my XXXX payment was past due. 

I then called PayPal at XXXX XXXX on XX/XX/23 and spoke with an account manager in the Customer Service Department by the name of " XXXX '' who had been with the company for six years. XXXX informed me that I didn't pay my bill and as a result I could not make my allocations as desired. XXXX also told me that I had to pay double the minimum payment on my interest-bearing account ( XXXX and XXXX bills ), and that the rest of the money would be allocated to my special financing rate. 

I then decided that Synchrony 's services weren't worth my money and that they didn't need my interest revenue, so I paid my bill in full at XXXX dollars for both accounts. 

I have attached an XXXX Sheet with my calculations to justify my allocation request.
Product: Credit reporting

the credit agency XXXX, Equifax and XXXX are reporting a Federal Tax Lien in XXXX County showing a balance of {$33000.00}. This Tax Lien is included in our Chapter! XXXX bankruptcy and has been discharged. It is not showing in discharged in bankruptcy with a zero balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Product: Consumer Loan

As a single mom in need of a reliable vehicle, I purchased a car and received a loan with a high interest rate through Wells Fargo Dealer Services. At the time, I did not know to shop around for loans with lower interest rates. In spite of being taken advantage of, I made every payment on time. I had NO late or missed payments. Currently, I am able to pay the loan off, but they will not process my payment over the phone due to the amount being over {$4900.00}, and they will not process a payment online for an amount above {$800.00}. My only options are to wire the money, for which I will be charged or to mail the payment and allow the interest to accrue for everyday that the check takes to arrive and be processed. While this may be a small amount, for a woman with children depending on her and who was taken advantage of, but still held up her end of the bargain it is an injustice. Wells Fargo Dealer Services seem determined to extract every last cent that they possible can. They have made it costly to get out of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for XXXX reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$25000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

this company is reporting inaccuarate and unverified information about me
Product: Credit reporting

XXXX XXXX, reporting on credit report. 
Account Status Closed - Paid and Closed Opened Date XXXX XXXX, XXXX Closed Date XXXX XXXX, XXXX closed by credit grantor/ paid / never late .. 
Expired time .. 11 years old on report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Dear Credit Bureaus, XXXX XXXX is never reported correctly, XXXX XXXX keeps reporting inaccurate information on my credit. I will have to reach out to the CFPB due to failure to investigate the inaccurate reporting of XXXX XXXX. My credit score keeps dropping due to XXXX XXXX reporting inaccurate information. XXXX XXXX continues to open and close my account and increase and decrease the amount owed. I am requesting removal of this account due to inaccurate reporting. Under the FCRA my credit information should be reported fairly and accurately, I am experiencing damages due to inaccurate reporting of XXXX XXXX and request that the account is removed. I have disputed this account several times, there has been no proper investigation of why the account owed keeps being altered and the account keeps opening and closing. I am requesting the account to be removed. I have enclosed the effects it had on my credit report in which hasnt been resolved or properly investigated by your team. 

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

Auto loan was for XXXX I was in good standing with the loan company for 51 months making monthly payments. 

Account charged off for XXXX which is more than the balance that i owe. 

The company is reporting incorrect terms of 84 months on some credit reports and then 81 months on other credit reports. 

My contract is a 72 month term. The charge off amount should be the amount that i owe on the loan according to the date of the last payment. 

Each month the company is reporting a different past due balance. 

Starting XX/XX/XXXX past due balance reported was XXXX XX/XX/XXXX reported twice to credit agencies a past due balance of XXXX and XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX XX/XX/XXXX reported past due of XXXX Company states the last payment was maybe in XX/XX/XXXX Date of XXXX delinquency reported as XX/XX/XXXX Amount charged off is higher than the balance that i owe Amount charged off is higher than what the original loan was for I have disputed and asked for payment ledger without any response
Product: Credit card

I dont know the dates, I just know that after many years with Capital One I was receiving the original low interest rate and was never informed that I could be getting a lot more interest. A LOT more!!! When I finally realized this, I called Capital One and the woman who helped me said, Oh my gosh, youve really missed out! XXXX been getting an old low interest rate from way back. I told her that I was never informed that I could be getting more interest, and she said, Thats a shame, and put my account to where I would be up to date. And that was it, she had nothing more to say. No compensation was offered. This exchange took place last year, XXXX, about mid 2024? I dont know how much money I missed out on, but XXXX sure that it was quite a bit, maybe {$1000.00}. or more. I did start receiving the correct, much higher interest amount after this exchange.
Product: Credit card or prepaid card

I have a credit card with JP morgan chase. One day I suddenly found they charged me for two transactions : one is {$1500.00} and the other one is {$500.00}. I called them and they said that were balance transfer offer for me, without my permission. 

Chase initialed these unauthorized balance transfer and charged me 4 % transaction fee. I asked them to reverse these transations, but the operator keeps saying they need me to do this. Why I need to do anything if I never authorized these transactions? Chase is very suspicious to make money from client.
Product: Student loan

THIS IS NOT A DUPLICATE COMPLAINT! THIS IS NEW INFORMATION SINCE THE INITIAL COMPLAINT! PLEASE ACTUALLY RESPOND AND PROVIDE ME A DIRECT CONTACT!!! 

Account balances changed on charged off accounts recently by {$1.00}. Amount due changed by {$14000.00}. Delinquency information reported to credit bureaus is inconsistent and inaccurate ( late payments go from XXXX, XXXX, XXXX, back to XXXX, XXXX, XXXX ) to charged off. How is this possible? Under the debt collection rule, debt XXXX have to provide you with certain information about your debt, known as validation information. Generally, this information is provided in a written notice sent as the initial communication to you or within XXXX days of their first communication with you, and it may be sent by mail or electronically. Please advise how I can obtain this information. The online billing system is inconsistent with recent changes to credit reporting. The information helps you recognize whether the debt is yours and, if not, how to dispute it. Please provide information on dispute policy. A statement that the communication is from a debt collector. Your name and mailing information, along with the name and mailing information of the debt collector. The name of the creditor you owe the debt to It is possible that more than one creditor will be listed The account number associated with the debt An itemization of the current amount of the debt that reflects interest, fees, payments, and credits since a particular date The current amount of the debt when the notice is provided Information you can use to reply to the debt collector, such as if you believe the debt is not yours or if the amount is wrong An end date for a 30-day period when you can dispute the debt. Who is the debt collector? Navient or XXXX? How can I obtain the debt validation information?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX  XXXX XXXX opened : XX/XX/XXXX Balance : {$750.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00} ; XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX {$430.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

The 3 Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question.
Product: Credit card or prepaid card

I received a new Barclays XXXX XXXX credit card which would be be to be activated on XX/XX/2022. 

I closed my XXXX XXXX XXXX credit card on XX/XX/2022. 

I should have NEVER received this new Barclays credit card for use at XXXX XXXX because I closed my old credit card on XX/XX/2022. 

So this new Barclays credit card needs to be cancelled, and Barclays nor XXXX are able to assist in cancelling this credit card. I do not want this line of credit opened as it never should have been issued.