23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank, who manages my Amazon Store Card, closed my account without notice on XX/XX/year>. My credit card was not delinquent ( under my credit limit ), however I was informed upon calling Synchrony 's phone number on XX/XX/XXXX it had in fact been closed on XX/XX/XXXX due to two previously failed payments of {$40.00} each. My credit has been adversely affected, my consumer relationship with Amazon has been harmed, I was charged a false {$40.00} late fee equivalent to one of those payments, and it is evident that my XXXX missed payments were due to blatantly misleading information and egregious mismanagement on Synchrony Bank 's part. 

XXXX payment of {$40.00} was initiated the morning of XX/XX/year>, my payment scheduled date. It was not debited from my XXXX  XXXX XXXX checking account until late XX/XX/XXXX, at which point doing so overdrew said account by - {$4.00} due to a small additional purchase the same day. That elapsed time approximates to 3 full business days, and would otherwise be an appropriate timeframe -- if not for Synchrony clearly citing otherwise, in several contradictory statements. 

While email confirmation states " funds are deducted from your bank account 1-4 business after the payment scheduled date '', the very same email 's inbox heading states instead : " Your payment will post in 1-2 business days. '' Even if Synchrony were to argue my payment debit could be considered only 2 business days, the Amazon Store Card app, from which Synchrony payments are actually made, explicitly informs users upon payment : " Payments will process and will appear in the activity page within 48-72 hours. '' No reference to " business day '' or even " day '' is made, and under no circumstances could the word " process '' reasonably be interpreted as anything else than a successfully debited payment, given the text of Synchrony Bank 's Amazon Store Card cardholder agreement.

Synchrony Bank can not claim that ANY of the above quoted timeframes refer to a payment 's Synchrony account credit, because their Amazon Store Card cardholder agreement confirms : " Payments received after XXXX  p.m. ( XXXX ) will be credited as of the next day. '' If Synchrony Bank adhered to their cited timeframe upon me making my payment, " 48-72 hours '', that payment would have been debited from my checking account and processed by XX/XX/XXXX at latest. Instead, Synchrony only attempted to debit my checking account on XX/XX/XXXX, causing me to miss my {$40.00} payment, and promptly charged me a false late fee of {$40.00} on XX/XX/XXXX equivalent to that mismanaged payment.
Product: Checking or savings account

Cashapp closed my account after I asked a friend for some money to help with a bill. She sent from an account she didn't use previously and when I tried to accept, it prompted the ID verification ( even tho it was already verified ). When attempting to do this, I no longer had the debit card they wanted photos of. When I attempted to add another card to verify with it instead, it just told me the account was closed. I am expecting my tax refund in this bank account and this is messing with my livelihood now. I'd like the account opened back up so I can continue to use the account I have used for years.
Product: Consumer Loan

I had a debt with XXXX and when I could n't pay they sold it to a company called Midland Credit who then sued me when I did n't pay them, so I have been paying them for about 7 months now and I just found out they are a scam, so I have been throwing my money away, which I really want back and have asked them and the XXXX several times, but ca n't get anywhere. The paperwork that I have for them says they can sue me again if I do n't pay them and garnish me, so I am scared, but I am sickened that I am paying a fake company and in the end this debt will still be on my credit. Is there anything that I can do?
Product: Money transfer, virtual currency, or money service

Im incurring about cash app closing my account on XXXX different accounts and XXXX was of a third party scam which I gotten conned out of a lot of money. 
I could not contact them to dispute matters and when I tired to I didnt receive a response and then my acccounts ended up closed. 
Please help me with this class action lawsuit.
Product: Credit reporting or other personal consumer reports

I have being having issues with my LexisNexis report, multiple records such as : identification, driving, and insurance record are missing from my report using my social security number. 

There is another report with my exact same information except for the Social security number being different where it contains my missing records ( driving, insurance, identification ). 

I have tried calling LexisNexis to have my records back to my report but as of today they have not being able to fix the issue. 

I will be attaching a copy of both reports, the one with correct SSN, and one with incorrect SSN. both reports were provided by LexisNexis and will include consumer number and case number as well as different unique LexID for each report. 

Driving and insurance record is very important as it could affect rates/price given by insurance companies. 

Not having these records affect me monetarily when purchasing a car insurance policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Credit card

This late payment doesnt accurately represent my history of timely payments. Please remove it and update my account as soon as possible. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  student loan servicing provider inaccurately report missed or late payments to the credit bureau, this mistake has had an impact on my credit report. This is affecting my ability to borrow. There are over 18 accounts showing I was late XX/XX/2017 there was no one from XXXX   providing clear information about how to re-enroll in income-driven repayment plans and never knew I could have a qualify co-signer .Which I have stated and beg with XXXX  . I done everything I can to make sure I dont fall behind. Try providing proper documents for questionable payment plans which are read from scripted agents trying to rush you off the phone giving the next hopeless person no option .I am a XXXX single mother with XXXX  kids working hard under the poverty line making less then 25000  years just trying to better myself. My payments and account balance is being improperly used over the past year leaving me to question which amount is true reporting with Credit Bureau. Constantly getting credit reporting alerts either my accounts are increasing or decreasing no one from XXXX can seem to tell me why this continue to happen. During the month of XXXX i know i spoke with someone and sent my paperwork back over in fashionable time and even spoke with my financial counselor at XXXX College XXXX XXXX South Carolina who reassure me everything will be okay and will assist during that time frame. Not to mention that school has bankruptcy and close down. XXXX is a billion dollar company with tons accounts they handle every seconds doesnt want to take time to think or take responsibility that maybe they might just drop the ball on this or many other accounts reporting accurately. All I want is honesty and fairness because this is hurting. They say your past will set you free but honesty this past report is currently hurting me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
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 card or prepaid card

I have been charged late fees when I made payments on time. I was told they were after the cut-off time of XXXX, but that is incorrect. Both payments were made at XXXX on the due date of XX/XX/2019 and XX/XX/2019. I did not receive any email confirmations ( but do receive my email notice for my statements ). I have made attempts to resolve this, but was treated poorly by customer service.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( XXXX  ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate on unverifiable accounts unresolved. The Consumer Financial Protection ( XXXX  ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers accepting unreliable responses, and failing to adequately notify consumers of disputed outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove of amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Vehicle loan or lease

I want to be clear I am not disputing accuracy of late payments. I am simple requesting that it be removed from my credit report because it is hurting my ability to obtain credit. I have recently been in and out of jail for the past few years and was struggling financially due to the reason. I have no intentions on not keeping up with the payments in the future and staying in good standing with bank and the loan account. This will never happen again. Please just have the late payments removed immediately and I will be ready to start over on monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian. 
XX/XX/2018 {$10.00} Sent a certified letter to dispute to Experian.
Product: Debt collection

SEE ATTACHMENT DOCUMENT, please. The agency is in violation of Section 1692c of the Fair Debt Collection Practices Act. This Agency never received consent from the consumer to communicate about any alleged debt. The agency is in violation of Section 6821 ( a ) of the XXXX XXXX XXXX for causing to disclose customer information of a financial institution relating to consumers.
Product: Credit card or prepaid card

I had a XXXX XXXX credit card issued by XXXX. XXXX XXXX was sold and the credit card program was cancelled. My account was closed in XX/XX/2018 with a XXXX  balance. 

Months later, XXXX processed two refunds to the account : on XX/XX/2018 ( {$1800.00} ) and on XX/XX/2018 ( {$440.00} ). I received no notice from XXXX when the credits were made. On XX/XX/2018, I received an email from XXXX that I had a {$2300.00} credit on the account. I called and asked how I access the funds since the account is closed. I was told I could have the funds deposited in my bank account or received a check, both of which would require a 21 day waiting period. 

Between the delay in notifying me and the 21 day waiting period, XXXX will hold my funds for five weeks ( presumably earning interest ). I think that is unreasonable and that XXXX should be required to deposit the money into my bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company keeps reporting that the three inquiries are legit and must remain on my credit report for two years after I advised them they where being fasley reported due to identity theft and fraudulent activity. I disputed this on XX/XX/2022 and on XX/XX/2022 it came back as verified and accurate no therefore no investigation was done!!! Im being violated clearly
Product: Credit reporting or other personal consumer reports

Good afternoon to whom it might concern I have a XXXX credit card and a XXXX XXXX XXXX XXXX XXXXXXXX credit card and XXXX card is showing late payments in my account on XXXX on XXXX and XXXX needs to be erased and show accurate XXXX trying to get a mortgage and by law they need to verify information that was ever late or I will take legal actions and ask in court to be disclose and verify. Please remove all late payments of my transition equivalent and Experian report because by law neither the credit XXXX neither the companies can report false information.
Product: Vehicle loan or lease

I open a auto loan back in XX/XX/XXXX with XXXX XXXX and made 72 monthly payments per contract on time original contract was for 72 terms loan bal XXXX which all payment were made on time with auto draft from banking after the 6year was up account was sold to a third party name westlake portfolio management which the bal is now XXXX I have been reaching out since XXXX request a copy of my contract as well as the payment history which still havent been sent I was advise to send in my running bank statement showing all payment were made I did. was advise that somebody would give me a call back nobody ever call I recvd a letter dated XX/XX/XXXX that a extension was approved I have never requested help called westlake spoke was sup and was hung up on at this point I need this account closed and off my credit and my title release
Product: Credit reporting

Several collection items were reinserted into my Equifax file after being removed previously. Per the FCRA, I was to be notified within 5 days of the reinsertion, but I was not. Since XX/XX/XXXX, I have filed complaints directly with Equifax & through the BBB, but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma notified me that I had been preapproved with high odds of approval for new credit cards in which I then went and applied providing all Necessary personal information only to be denied which then resulted in a negative impact to my credit score knocking me down points and acquiring unnecessary hard inquiries on my credit. I saw that there has been a lawsuit brought against credit karma for this exact thing. I would like to apply as a victim of this situation.
Product: Debt collection

In accordance with the Fair Credit Reporting Act the following creditors have 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 an account without my written instructions.

Wrong opening account date showing on credit report
Product: Debt collection

On XX/XX/2019, I woke up with a knock on my door from two local law enforcement officers. They informed me that a family member had called in and wanted someone to stop by the house to " check on me '' after several family members had received several calls from a lady named, XXXX XXXX, who was requesting to verify my identity information such as my SSN, location, employment whereabouts, and other identifying factors. 

Immediately, I retrieved my phone and had several text messages from my dad, sister, and brother who had all received calls and voicemails from this individual stating that she was needing this information. My brother reported that he was contacted by her twice. 
I, myself, also had one missed call and voicemail from Ms. XXXX postmarked at XXXX on XXXX XXXX. She at time, threatened, that she needed to verify my information through a third party including my previous employer if unable to contact me and shortly began harassing my family members for information thereafter. I'm uncertain if she contacted my employer or not as that is the employer I no longer work with, When I contacted Ms. XXXX, she informed me that she was a representative with Northtown Capital Services Group who was assisting a debt collector, XXXX XXXX XXXX, to obtain some past due money owed to an original creditor called XXXX XXXX. She informed that I should've received a letter from her agency in which I did not. She also threatened that a certain amount was owed or a judgement would be pursued against me. 

Her whole approach appeared to be threatening and harrassing in nature in order to obtain funds. She informed me the only way to stop the judgement would be to set up a payment arrangement through her. 

I have no issue paying my past dues if I would have received information from the original creditor and I have not. 

I feel my rights were extremely violated and that threatening and harassing means were utilized in order to obtain a debt which not only impacted myself but also caused extreme fear, stress, and worry in my family who had no idea what was going on.
Product: Checking or savings account

I am writing to File a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having insufficient funds when transaction were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

I applied for Kohls credit card and they denied stating that they were unable to verify my SSN. but I see a hard inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. THIS IS THE 4th TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following phone numbers are not PRODUCT OR SERVICE Credit reporting, credit repair services, or other personal consumer reports TYPE Credit reporting ISSUE Incorrect information on your report HAVE YOU ALREADY TRIED TO FIX THIS PROBLEM WITH THE COMPANY? 
Yes TYPE OF ISSUE Information belongs to someone else mine : ( 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. I have an unverified account from the following companies : XX/XX/XXXXXXXX XX/XX/XXXX # XXXX, XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX # XXXX, XX/XX/XXXX XX/XX/XXXX# XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XX/XX/XXXX# XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX FIRST XXXX BANK XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD SERVICES bank XX/XX/XXXX XXXX BANK DELAWARE bank XX/XX/XXXX XXXX XXXX XX/XX/XXXX ADV XXXX XXXX XXXX MORTGAGE I XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ML/RANDOLPH-BROOKS FCU XX/XX/XXXX LP/DMS/AFFINITY FCU/AM XX/XX/XXXX XXXX XX/XX/XXXX FD/PRIME LENDING XXXX XXXX XX/XX/XXXX