23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

TO YOUR COMPNAY I HAVE ACCOUNTS ON MY CONSUMER REPORT THAT ARE REPORTING INCONSITANCIES IN THE STATUS DATE/DATE OF LAST ACTIVITIY in each account between the CRAs. THESE ACCOUNTS ARE INACCURARTE AND ARE A VIOLATION OF THE FCRA AND MUST BE DELTED IMMEDIATELY. AFTER THIS INVESTIGATION, DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I do not approve these requests and they are of no relevance to my financial operations. I'm demanding that they be removed from my credit report immediately.
Product: Money transfer, virtual currency, or money service

On XX/XX/, Venmo suspended my account after receiving a payment of {$30.00}. I provided proof of identity multiple times over the course of two days but Venmo continues to refuse to remove the suspension from my account or provide me access to my money. On XXXX I called Venmo and the representative refused to even pull up my account to tell me what was going on with it : why it was suspended, when they were going to review the identity documents to remove the suspension, or anything. I also requested a supervisor ; he refused and disconnected the call.
Product: Credit card

Being a 22+ Amazon Prime member I opted to take out the Amazon Store card with Synchrony Bank in XX/XX/XXXX. Every month I pay the entire statement balance ranging from {$800.00} - {$1200.00}. Each month I pay via Synchrony online system and this payment clears my bank within 24-36 hrs. NEVER a problem with XXXX, XXXX, XXXX or XXXX payments EACH month however my payment fails to reflect on available credit. EACH month I contact Synchrony forced to waste time with their online AI Assistant i believe designed to discourage communication. Then once connected to human being again wheels spin as the customer svc rep merely recites FAQ answers. I have to repeatedly request a supervisor and forced to go through my entire comment requesting reasoning for payment not being applied to my account as reflected in available credit. Again today XXXX XXXX the Synchrony Account Mgr for Amazon Store Card recites the FAQ response " The systematic hold can be done for various reasons, such as large number of payments made within specific time period, payments on new accounts, previous returned checks. Please be advised, that high payments are generally held to ensure they clear. '' I then point out to them the exact date the payment cleared my bank, on this call I cited XXXX was made XX/XX/XXXX and because of XXXXXXXX XXXX XXXX was cleared on XX/XX/XXXX. I also point out Synchrony Bank system emailed me XX/XX/XXXX indicating payment has been processed. My online payment was made 7 days before due date XX/XX/XXXX, cleared on XX/XX/XXXX and instantly transferred to Synchrony. I repeatedly request WHY my payments are not fully applied to my account and that their policy of holding that payment because " large number of payments made '' is nothing more than a penalty for paying the entire balance. Based on my XXXX yr career in XXXX XXXX Synchrony 's policy violates Consumer Protection laws and allows Synchrony to use my XXXX  as float on their balance sheets. Additionally, I have experienced my payment method for this card on Amazon transactions defaults to 6 deferred pmt option eliminating 5 % cash back. I'm forced to change that with each transaction. I've complained to Amazon and Synchrony on this predatory practice and have after 4 months seen my 5 % back option as default. For consumers not paying the entire balance the 6-default payments reduces their available credit and shows on their credit bureau utilization . I request formal action taken against this predatory practice and the holding of payments.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XXXX ) XXXX XXXX XXXX XXXX open XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  open XX/XX/XXXX XXXX ) XXXX XXXX XX/XX/XXXX I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action. 
XXXX  DELETE 30 Day late from my credit report due to violation of 15 USC 1681s-2 ( F )
Product: Vehicle loan or lease

On XX/XX/2019, unbeknowest to the customer ( Leasee ), the dealership ( Leasor ) changed the money factor from the agreed upon rate to a much higher rate and hid the change within the sales contract ( as it was not visble on the same ). Additionally, the Leasor also charged the Leasee for a nearly {$1200.00} 'Pre-Paid Maintenance ' plan by including and hiding it in the total capitlized cost of the vehicle without properly disclosing or getting the Leasee 's approval to do so. As a result, the Leasee is paying higher monthly lease payments due to the fraudulently increased capitalized cost and money factor/interest rate resulting in higher rent charges throughout the duration of the lease term. The Leasee has attempted to contact the Leasor on multiple occasions in an attempt to resolve the issue but the Leasor has failed to respond. It's the Leasee 's position that the Leasor performs the alleged conduct regularly in their day-to-day business practice when the Leasor modify money-factor rate and charges for hidden and unapproved service agreements to the benefit of the Leasor without the Leasee 's knowledge or consent.
Product: Credit card or prepaid card

We have a l ocal Toys 'R ' us credit card. We had a balance t hat we believed we paid in full, we called and paid {$300.00} and change for that purpose. Somehow there was a balance that hit the card after, we at best, were told perhaps a billing charge was applied after we paid. That {$6.00} charge sat on the card for over {$30.00}, we did not know it was there and it dinged or credit harshly, dropped  XXXX  pts.     My family has worked for years to keep our credit rating up and have n't had a late payment on anything for years. That {$6.00} hurt us like it was hundreds or thousands and should have never been on the card in the first place.     We want the report struck from our credit. We are furious. We just paid the card and are waiting for the balance to clear and cancelling it. This was absurd.
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 15 USC 1681.

15 U.S.C 1681 section 602 A.

States I have the right to privacy. 15 U.S.C 1681 Se
ction 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: Payday loan, title loan, or personal loan

I was approved for {$1900.00} with NetCredit it was originally to be funded on XX/XX/XXXX First they advised my that the needed ONLY 2 paystubs and then I needed to call to verify my identity which I did both. But they withdrew my application Then they said that I needed 2 bank statements which was submitted My employer does not offer direct deposit.. now the declined stating they cant verify my income. Im being discriminated against because my employer doesnt offer direct deposit But the bank statement does show 2 direct deposits of social security per month
Product: Debt collection

I notified this company that I was exercising my rights under XXXX XX/XX/1933 to discharge this debt which is not lawfully owed by me anyways due to my credit and exemption exchange established via my corporate name. 
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4 I hereby accept for value and authorize it's discharge without prejudice per UCC 1-308 & UCC 1-103.6.
Product: Credit card or prepaid card

I placed an order online with Best Buy on XX/XX/2022 for in-store delivery at their store location - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX with my citi-bank credit card. As stated in their pick-up policy, the customer is required to show an official ID and order info to be given their item. Best Buy authorized my item to be picked up by someone else - I was NOT the one who picked up the item. I was not aware of this until I checked my email and saw a notification from Best Buy that my item was picked up, but when I checked my order status online, it said it was returned and that I was refunded. I thought I missed the pickup deadline, and since I did not pick up my item, my order was reflected as refunded. 

When the charge was not refunded I filed a dispute with my credit card company, Citi-Bank , and an investigation was opened. It was discovered that the item was picked up and returned at a different location on the same day XX/XX/2022. They returned my original order and exchanged it for an item of similar price, a XXXX XXXX XXXX at the Best Buy location on XXXX XXXX XXXX, XXXX, NY XXXX. The transaction was logged at the price of XXXX, the price difference between the two items. I did not receive any notification of this transaction from Best Buy at the time it was placed. This order transaction did not appear on my best buy account until after I filed my dispute with Citi-Bank and they discovered the exchange. 

When I told Citi-Bank that I was not the one to make the exchange, they refunded me the original amount of XXXX and issued me a new card. They stated that an exchange should not have been able to be made with my card information if I was not present. I thought the issue was resolved, but the charge showed up again on my new card. When I called Citi-Bank , they said that it was misclassified as fraud when it should be considered a dispute. I keep getting a different representative each time who does not fully understand my case and is giving me different answers. I have contacted the merchant who tells me to contact Citi-Bank , and Citi-Bank tells me to contact the merchant. Neither has given me a clear answer or resolution. 

In conclusion, another person picked up my order and made an exchange with my information. I do NOT have a XXXX XXXX XXXX OR the TV I originally purchased. My order of a XXXX XXXX XXXX was stolen by another person and they were allowed to exchange it for a XXXX XXXX XXXX without a proper identity verification process. I should be refunded my original purchase of {$1400.00} as I am not responsible for the lack of security protocols in place that allowed another person to pick up my order and make an exchange with it.
Product: Credit card or prepaid card

I applied for a PayPal credit account on XX/XX/2020, reference number XXXX and was declined due to not been able to verify my identity. 
I already have an account with XXXX, I have a social security number and also a member of several financial institutions. I monitor my credit every day to which I had XXXX credit for XXXX, XXXX XXXX and XXXX XXXX. I want to know how come I am not being able to be verify. 
Am open to give you my Social Security if need be. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information reported by XXXX, XXXX, and TransUnion on my credit report regarding my account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). The report incorrectly shows late payments for XXXX, XXXX, and XX/XX/year>. XXXX reported that I made a {$0.00} payment on XX/XX/year>, when in fact I redeemed points for cash in the amount of {$49.00}. Additionally, the remainder of the XX/XX/year> payment was made on XX/XX/year>, which falls within the 30-day grace period stipulated by the CFPB for the due date of XX/XX/year>, and should not be reported as late. Despite these facts, XXXX, XXXX, and TransUnion have falsely reported my account as late as of XX/XX/year>, and have reported a past due amount of {$930.00} as of XX/XX/year>, which is incorrect. Furthermore, XXXX XXXX extended the due dates for these payments XX/XX/year> and XX/XX/year> per an extension agreement dated XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I called to dispute a public record ( bankruptcy ) that does not belong to me. XX/XX/XXXX - they removed the public record and and re-insert the same day. The FCRA is requiring them all CRAs to notify me within 5 days of reinsertion. I did not receive any such notification, please have the remove this item permently and immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt.

* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No XXXX, Equifax and XXXX never responded! 

Further More Experian, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under XXXX XXXX XXXX XXXX that XXXX, Equifax and XXXX is implementing it self.

Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
Product: Checking or savings account

im trying to open up an account but for some reason they told me i cant open and have to report to you
Product: Credit card

XXXX XXXX ( consumer, individual, person, client ) reporting on unethical and fraudulent activity of Concora Credit INC. ( company ) previously known as Genesis Credit ( company ) A payment was made via telephone call and automated system which verified a checking and routing number with the client. The payment was made on time without any need for late charges in an amount over the minimum payment of a total charge of XXXX XXXX XXXX XXXX dollars and XXXX cents, {$150.00}, prior to the due date of XX/XX/2024. After making a confirmed payment, with the amount withdrawing from the clients bank account, the client received a text message several days later claiming the payment toward the account for the Month of XX/XX/2024 was past due. 
The client called the company to which the company representative claimed the routing number was incorrect and the transaction cancelled. The client verified with the bank the payment to the company withdrew on the date the payment was initiated and the company has suddenly sent back the payment. Without any additional contact from the client to make a payment, the total amount of the payment for XXXX XXXX XXXX XXXX dollars and XXXX cents was taken from the clients bank account by the company about two weeks after the due date with late charges applied from the company to the clients account. If the company statement of the routing number being incorrect was true then how did the payment get withdrawn effectively without a correction from the client? 
The bank can prove the transaction, the text messages can verify the company 's unethical and false claim imposed on the client with intent to add late charges to the account and furthermore a transaction was completed using the intial information the client provided without correction to the information ; which was claimed to be incorrectly entered by the company- proving the company 's claim was invalid and the transaction declined for the alternative motive of the company to gain more currency by superimposing late charges on the clients account by altering the payment arrival date ( which can be traced ) and using the clients details without consent ( which can also be traced via client phone history ). 
In short : the company took the clients payment, saved the clients payment details, returned the initial payment ( which was on time and above the minimum amount due ), sent the client falsified notices of late payment due, then confirmed the clients payment after the due date without client consent in order to add late fees to the client 's account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}, and XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$1500.00}. 

According to FCRA XXXXction 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint in response to the recent investigation conucted by the Credir Bureaus. I do not agree with their findings and I am requesting complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting this information on my report and because of this I am now asking you for more information regarding these particular accounts in question. As previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update or remove these disputed accounts. Please forward me the name and addresses of persons contacted. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the acccounts must be promptly updated or deleted according to Section 1681i ( a ). 

1. XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$400.00} 2. XXXX XXXX XXXX XXXXXXXX Balance {$600.00} 3. XXXX XXXX XXXX XXXXXXXX Balance {$7200.00} 4. XXXX XXXX XXXX XXXXXXXX Balance {$1000.00} 5. XXXX XXXX XXXX XXXX Balance {$3600.00} 6. XXXX XXXX XXXX XXXXXXXX Balance {$6400.00} 7. XXXX XXXX XXXX XXXXXXXX Balance {$4600.00} 8. XXXX XXXX XXXX XXXXXXXX Balance {$3000.00} 9. XXXX XXXX XXXX XXXXXXXX Balance {$6100.00} 10. XXXX XXXX XXXX XXXXXXXX Balance {$5700.00} 11. XXXX XXXX XXXX XXXX Balance {$2900.00} 12. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 13. XXXX XXXX XXXX XXXXXXXX Balance {$4200.00} 14. XXXX XXXX XXXX XXXXXXXX Balance {$2800.00} 15XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2300.00} 16. XXXX XXXX XXXX  XXXX Balance {$1100.00} 17. XXXX XXXX XXXX XXXX Balance {$2800.00} 18. XXXX XXXX XXXX XXXXXXXX Balance {$250.00} 19. XXXX XXXX XXXX XXXXXXXX Balance {$5800.00} 20. XXXX XXXX XXXX XXXX Balance {$3200.00} 21. XXXX XXXX XXXX XXXXXXXX Balance {$4100.00} 22. XXXX XXXX XXXX XXXXXXXX XXXX Balance {$1300.00} 23. XXXX XXXX XXXX XXXX XXXX XXXX Balance {$7500.00} 24. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00}
Product: Credit card or prepaid card

On XXXX XXXX I entered into an agreement with XXXX XXXX to assist me with what they called a debt elimination program. I gave XXXX my Discover card number. 
I had second thoughts the same day and contacted XXXX stating I do not wish to continue with this service. I was told by XXXX XXXX on XX/XX/2021 that I could cancel at anytime. When I called XXXX on XX/XX/2021 and spoke with XXXX XXXX he told me it was out of his hands. My Discover card was charged {$3800.00}. I also called Discover on XX/XX/2021 explaining the situation asking them to not approve the charge because I was disputing the charge. Discover stated I can not dispute the charge until it posted. By that time it was too late. I called, sent an e-mail, faxed and sent a Notice of Cancellation by certified mail to XXXX dated XX/XX/2021. I had 5 business days to cancel. I have contacted XXXX multiple times getting the run around and have received no refund. I have also contacted Discover multiple times and sent them all the information that I sent to XXXX. My last contact with Discover and XXXX was today XX/XX/2021. Discover stated they need proof from XXXX that I am entitled a credit or refund. XXXX stated they will send an e-mail to XXXX at the XXXX, XXXX office regarding my cancellation which I have heard it all before.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive asked for verification of the account. Ive asked for an actual bill showing that I owe this. I asked for the exact date. Ive never been sent anything showing me that this is my account. The amount listed on my credit report is {$1400.00} and it said collection was opened in XX/XX/2017. Ive disputed this with the credit agency but it didnt do any good.