23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have been a holder of a XXXX store card over last XXXX years and always a great payer. Recently, I unfortunately had return payments from my bank for XXXX setup, but abruptly called Synchrony Bank to apologize and explain root cause. Pleaded with customer service representative for company not to close my account, which they replied, it 's not their decision. XXXX weeks after that call, letter arrived advising account has been closed, due to XXXX returned payments, which out of XXXX years of successful payments seems a policy, which makes no sense. I can understand if account was recently opened and such issues occurred, but for established good standing accounts, it is really not a logical decision making process and does n't represent how events in life happen unexpectedly. 

My complaint is that, nobody can predict unexpected situations that may lead to a returned payment and number of years a customer has been a good Auto-Payment customer should be included in such as decision making process. 

Kind Regards
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hunting my ability to obtain credit.
Product: Debt collection

I called the NCC Business Services XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ; to try to make a settlement agreement. They told me that I would need to pay 10 % ( {$150.00} ) then make $ XXXX monthly payments until paid off. I explained that I could do this on XX/XX/XXXX. To pay the {$150.00}. I also then requested a written letter to be emailed, faxed, or mailed to me stating the agreement to settle with payments. XXXX XXXX then stated that they do not give written proof of agreements. That they will only give me something in writing after it is paid off XX/XX/XXXX. That if they gave me something now to prove it was settled then I could give that to whomever I needed verification for and they would n't get paid. I have tried to call back several times to speak to someone else or a supervisor, but I keep getting hung up on. I was told by XXXX at the CFPB that they are required by law to give written repayment plans prior to the first payment being made. I called again today @ XXXX, again was transferred to XXXX XXXX . I requested my Account Number, and he asked how I would be making a payment. I told him that I would not be considering he refused to give me anything in writing. He stated again that they by law did not need to give me anything regarding the payment arrangements.
Product: Mortgage

On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was reallocated to my escrow account. This resulted in the interest for XX/XX/XXXX being recalculated. On XX/XX/XXXX, an additional principal payment of {$440.00} that was originally paid on XX/XX/XXXX was also reallocated to escrow. These changes were made without my knowledge and without any explanation from the mortgage company. I notified the mortgage company about these items on XX/XX/XXXX and XX/XX/XXXX, the first days these transactions were visible on my account. 

It needs to be noted that my Escrow was set to be closed on XX/XX/XXXX. I requested this in XXXX due to an inability of the mortgage company to pay my home insurance premium timely and correctly, even though there were more than adequate funds and they received an invoice with more than enough time to send the premium payment. There was never a shortage of funds in my escrow account and there were no escrow advances that needed to be covered. 

When I called the mortgage company on XX/XX/XXXX and XX/XX/XXXX, I also pointed out the need to quickly address the problem due to the Escrow being closed and the funds set to be dispersed. I was assured that it would not be a problem and the issue would be corrected before escrow funds were sent to me. 

I made followup calls on XX/XX/XXXX, XX/XX/XXXX and XXXX. The issue was never corrected. I received the escrow dispersement check on XX/XX/XXXX and submitted a principal payment of {$890.00} to account for the two principal payments that were incorrectly moved to escrow earlier in the month. This payment was applied on XX/XX/XXXX. I spoke with a representative again on XXXX to re-request that the funds be re-applied to the original dates they were paid ( XXXX and XXXX ) and that interest be re-calculated based on the original payment dates. As of today it has been XXXX days since the original mistake was made and I still do not have an ETA on when this will be fixed.
Product: Credit card or prepaid card

I went to XXXX with my Capital One Venture X credit card. When I came back from XXXX I reviewed all my transactions and saw there was one transaction on XX/XX/2023 that I did not authorize for {$190.00}. I reached out to capital one fraud department and they did an investigation and did not find it to me fraud and refuse to credit my account. They informed me to reach out to the merchant however I did not make this transaction so I do not have any information on the merchant nor do I know what service or merchandise I was charged for. I have no information regarding this charge and can not dispute it myself even if I wanted to. I have informed capital one that I do not have any information or contact with the merchant because I did not make this transaction and nothing was done to resolve the issue and the case was deemed closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to communicate to the bureaus that this account was erroneous.I have now contacted XXXX, and the response is attached.Thanks
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
-- Company or Organization : XXXX XXXX, Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$290.00}. 
-- Company or Organization : XXXX  XXXX, Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$310.00}. 
-- Company or Organization : XXXX XXXX XXXX Date fraud began XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$6200.00}. 
-- Company or Organization : XXXX XXXX XXXX  Date fraud XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$2400.00} -- Company or Organization : XXXX XXXX XXXX XXXX XXXX XXXX amount : {$1700.00}
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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, credit repair services, or other personal consumer reports

XX/XX/XXXX, I visited an auto dealership For XXXX, I finally decided to trade my XXXX XXXX XXXX for the XXXX. After the dealership checked my credit report, I was informed that I had a recent collection added to me account, that significantly impacted my XXXX XXXX. 

When I returned home, I started investigating and seen that a " XXXX XXXX  '' had contacted the XXXX credit reporting agencies, XXXX, Experian, and XXXX to add a collection of {$1400.00} dollars to my credit report. resulting in an ( XXXX XXXX  REDUCTION ) due to the collection. 

Trying to resolve this with the XXXX XXXX representative, I explicitly explain. NO ONE EVER CONTACTED ME, I NEVER HEARD OF THIS, I was informed by the XXXX XXXX Representative, that XXXX XXXX have sent numerous letters/notifications to my current address since XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The Ironic thing is I DIDNT MOVE TO XXXX  XXXX XX/XX/XXXX ( work relocation ), HOW IS THAT POSSIBLE??? 
The bottom line is, NO ONE FROM XXXX XXXX, EVER CONTACTED ME, THEY CIRCUVENT WORKING TO RESOLVE THIS AND SIMPLY ADD THIS TO MY CONSUMER 'S CREDIT REPORT. as soon as I became aware of this, I immediately paid the {$1400.00} dollars, which I would have done, IF I HAD KNOWN THERE WAS AN ARREAR from a XXXX apartment. 
The representative from XXXX XXXX, informed me that If I paid this collection, the would remove this from my consumers credit report, I PAID THE COLLECTION THE SAME DAY, AND IT ONLY SHOWS PAID AND NOT REMOVED, MY CREDIT REPORT AS DECREASED BY XXXX XXXX  due to this. 
I'm not disputing if the arrears are mine, I'M SAYING THE PROCESS XXXX XXXX utilizes is against the law, the consumer XXXX XXXX SOME PROTECTION from lazy credit collection agencies who don't want to contact consumers, just add this negative life changing collections to the consumers account and force then to contact us, THIS IS ILLEGAL, PLEASE PROTECT THE CONSUMERS, THIS IS RIGHT PEOPLE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX 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 719XXXX has me at a score around 590. 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Mortgage

applied for a refi with Chase Mortgage in XXXX. After submitting documents numerous times and completing all tasks required ... .still not closed after 5 months. We feel we have been singled out for some reason. We presently have a Chase mortgage, never missed a payment and have good credit. No reason was given for delay. 
Charged us {$500.00} for application and then said loan process took too long and our application was rejected. To date have not refunded our {$500.00}.
Product: Credit card

The Citibank/Home Depot account was fraudulently opened in my name. The identity thief opened the account on XX/XX/year>, and made a purchase that same day and nearly maxed out the credit card. I live in Illinois, and the item was sent to New York. It's obvious that a scammer somehow got my personal information, and fraudulently opened a credit card in my name. I have already filed a police report, and also contacted the credit card company to open an investigation. They sent a letter saying the account was closed. I will attach a photo. This is not my account.
Product: Debt collection

I logged Into my XXXX  XXXX XXXX app. Clicked on the link to pay my XXXX  XXXX XXXX credit card. And a link for credit control popped up for an entirely different account popped up. An account that was furnished by XXXX XXXX. After being tricked into provided my personal information I was told that I owe over XXXX dollars when my  XXXX  XXXX XXXX credit card is only XXXX. After asking how they ended up in my banking app. I was told to just pay. I beleive this a clear example of The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. I have a screen recording of the conversation as well as myself logging Into this app. On my credit report it states that XXXX XXXX  is the debt collector however it credit control is attempted to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

All of these names and address are incorrectly reported on my credit reprt report. Most are very old address that I have requestez to be removed. XXXX of which are not mine. 
Social security number that does not belong to me : XXXX This is in violation of 15 USC s2 A person shall not furnish any information relating to a consumer to sny cinsumer reporting agency if the person knowz or has reasonable causw ro believe that information in incorrect. 
In addition under 15 USC 1681a ( 2 ) ( 1 ) under exclusions. Right to privacy Fair Credit Reporting Act protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. 
Incorrect addresses : 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 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 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 All of which is incorrect and I have asked to please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had many problems with XXXX and TransUnion in getting my credit report to reflect the accurately reported accounts. The accounts listed below have been problematic since I began disputing back in XX/XX/2020 TRANSUNION - XXXX XXXX XXXX - XXXX - PAID TRANSUNION - XXXXXXXX XXXX  XXXX - COLLECTION/CHARGEOFF - DISMISSED TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
TRANSUNION - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - PAID XXXX - XXXX XXXX XXXX - COLLECTION/CHARGEOFF - DISMISSED XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTION/CHARGEOFF REPORTING OPEN ACCOUNT STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED! 
XXXX - XXXX XXXX XXXX - COLLECTIONS/CHARGEOFF STATUTE OF LIMITATIONS EXCEEDED!
Product: Vehicle loan or lease

I purchased a new 2019 XXXX XXXX  in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX  received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.

Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously

GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised from a numerous amount of sources after my id was lost / stolen. I been a victim of the dark web and of the XXXX  breach, all this has lead to unauthorized and unknown accounts that has caused my credit file to a ruin. I have demand a Method of Verification inwhich gives the credit reporting agencies the authority to report such findings. I'm now demanding that these accounts be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX {$670.00} 2 ) XXXX XXXX XXXX {$540.00} 3 ) XXXX XXXX XXXX {$450.00} 4 ) XXXX XXXX {$790.00} 5 ) XXXX XXXX XXXX {$480.00} 6 ) XXXX XXXX XXXX {$1100.00} 7 ) XXXX XXXX XXXX {$500.00} 8 ) XXXX XXXX XXXX {$1100.00} 9 ) XXXX XXXX   XXXX  {$74.00} 10 ) XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX {$4300.00} 12 ) XXXX XXXX XXXX  XXXX {$26000.00}
Product: Credit card or prepaid card

Called credit card company to address late fees in XX/XX/2022, after again receiving another fee for {$41.00}. In the last couple billing cycles, they have charged me fees, but I have sent payment in advance, and I confirmed with my bank, XXXX XXXX XXXX  since I use their Bill Pay service. This credit card, XXXX XXXX, XXXX XXXX, Comenity Bank does not enable electronic bill pay with my bank, so I send payment via check anywhere from 10-14 days in advance. My bank verified when it was sent, and when the credit card company cashes it. I explained this to the credit card customer service and they agreed to return the fees. I received my latest statement and they do show the credit while charging the fees right back to my card ( XXXX ) while adding another late fee of XXXX dollars. 
I need help as this company will not do anything else as they say they do not control when checks are received and they claim they can take longer to process at their discretion. 
I dont see how that is within the cardholder agreement or even legal. They also lied to me about returning the fees, while charging them back. Please advise and help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. 
On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX  with account number XXXXXXXX XXXX XXXX with account number XXXX, XXXX  XXXX  with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). 
However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. 
I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. 
If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. 
Thank you for your attention to this matter.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I used cash app to wire funds in the amount of {$810.00} to a supposed XXXX XXXX for a XXXXXXXX XXXX  trade. They said to use this name and send the funds for bills and food but come to find out it was a scam and I tried to decline the transfer but it had already gone through. The people then threatened me to send more money and hacked my social media to then scam other people out of money. I reported it with cash app and supposedly did an investigation into the scam but said they could not recover the funds. My bank said to try with them first and there was no luck and since it was approved they will not pursue to get the money back.
Product: Credit reporting or other personal consumer reports

I took out a personal loan with XXXX XXXX for {$2000.00} in XXXX XXXX XXXX  to pay some credit card debts, I have always paid the loans payments timely, I had periods of unemployment where I was not able to pay timely, I HAVE XXXX SUPPORT FROM ANYONE, my family has disowned me due to my lifestyle as a XXXXXXXX XXXX I have no friends to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was denied XXXX  benefits multiple times due to an issue that I was not aware, I was also evicted from my place of residence along with the repossession of my vehicle in which I lived in upon my eviction, I have been living in shelters, living motels with vouchers, squatting in vacant properties and sometimes sleeping on the streets or in public places where I also wash up along with washing clothes. I have been trying to get on my feet since the job termination and eviction. However, with the late payments and other barriers on my credit reports I AM UNABLE TO GET HOUSING AND HOUSING ASSISTANCE here is ON A XXXX OR LONGER WAITLIST. Most of the shelters in XXXX XXXX are full and told me that I need help beyond their qualifications. By having this negative information removed IMMEDIATELY, it would help me get steady employment, housing, a vehicle and a normal life as I have been 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, NO ONE WAS there to support me in anyway, I have been dealing with this alone and I can not achieve XXXX  due to this issue or XXXX XXXX XXXX XXXX. I WILL SUE FOR {$34000.00} and an additional {$2500.00} for legal fees IF THIS REQUEST IS NOT MET!! I AM ALSO REQUESTING THAT ALL OF THE LATES BE IMMEDIATELY CREDITED TO MY LOAN IMMEDIATELY!!! Also {$1500.00} payment for emotional distress IMMEDIATELY!!