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

Applied for American Express card for 0 % balance transfer. I was charged 3 % of the balance transferred. Upon approval I transferred of {$3900.00}. On XXXX of 2017. They have been charging me " finance interest '' for the past 3 months. I 've been calling each month they rectify it and then the next month it happens again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have yet to receive any type of response from the Credit Reporting agencies on things I disputed. The first time I tried was XX/XX/2020 and then again XX/XX/2020 what is going on. I don't see anything that indicates because of this Covid they are allowed more time and even is that it's been over 3 months ....
Product: Checking or savings account

I received emails this morning on XX/XX/XXXX from XXXX bank stating my contact information has been updated and a savings account was successfully opened. I called capital one and explained to them that I did not do those things. Capital one closed and blocked the accounts and notified me that a credit card was attempting to be opened but they blocked that also.
Product: Credit card or prepaid card

I made a purchase using my XXXX XXXX credit card issued by Synchrony Bank on AprilXX/XX/2021. I received the invoice directly from XXXX XXXX, not a statement from Synchrony.

I paid the bill in full via check on MayXX/XX/2021. I informed Synchrony that the payment had been made. They took it as a dispute/lost payment request. They issued my account a credit. Later they reversed that credit and placed the charge back on my account and I received a statement. 
That's when all the email communications started. This has not been resolved, the account is paid and even if they reversed the credit, it would have zeroed out the account since it had already been paid. 
I have attached all communications with them and the invoice and payment. I do not see how I have a balance. This has been going since MayXX/XX/2021.
Product: Credit reporting

XXXX XXXX is an account that has been closed. It was sold and re aged to XXXX XXXX. I never had a contract or account with them. I asked them to remove the matter or supply legal proof saying I owe them but they will not. I do n't accept company letterhead saying I owe you. XXXX XXXX also sold this account to XXXX a collection agency which sewed me. I had to pay XXXX dollars to a lawyer!. I won my lawsuit. They did n't have no proof I owe them and they took XXXX off the report. XXXX XXXX still would n't removed it. They are performing illegal acts against me and towards my credit which has stopped me from obtaining new credit because of this delinquent account. I would appreciate help with this matter.
Product: Student loan

I am paying private student loans to a medical school ( XXXX ) in XXXX that I never attended. The medical school I did attend was XXXX XXXX XXXX  XXXX. 

Is it legal for the school to fraudulently get the money for tuition, using another school on the other side of the planet that I never attended? 

Did the school commit fraud in certifying the loans therefore I'm not responsible and i should be refunded what I paid?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the millions who were affected by the Equifax liability breach. I have visited their website dozens of times, called their toll free number many times, and tried to enroll in their free credit monitoring service many times, all to no avail. I have already had fraud on my account. They do not respond, they do not enroll me in monitoring service, and the people in XXXX answering their calls basically can answer no questions or provide any type of service or information whatsoever. My credit has been compromised and money has already been lost, and Equifax will do nothing about it, provide no service or protection, and they do n't respond or provide any monitoring service as offered. you enroll in that service over and over again, and it says you will receive an email and a text with information, but no email comes and no text ever comes, so they are fraudulent and liable.
Product: Debt collection

Synchrony Bank processed 2 {$43.00} EFT payments from my bank account instead of one for a monthy XXXX credit card payment. Instead of just crediting back one payment, the rep. stated that I had to wait for a refund check to arrive in about 15 days. Secondly, a separate payment was also made to my amazon store card. Instead of processing 1 {$35.00} EFT monthly payment, Synchrony Bank processed 3 EFT payments. 

I do not want to wait weeks for a refund check for their mistake!
Product: Debt collection

I have contact this company on multiple occasions in the last 2 1/2 years one being XX/XX/21 regarding a account placed on my credit report due to identify theft. I have spoke to multiple representatives regarding this matter and was told that a fraud packet would be sent out to my home on several occasions for me to complete and mail back which I never received, on XX/XX/21 I spoke to XXXX badge number XXXX who told me that no packet was ever sent out to me and every time I requested for a packet to be sent out my request was denied from the back office, when I asked why he stated he was not sure! I have sent in several police reports to the company and still nothing!! There are refusing to do their part in helping me fix this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the credit agency letting them know that they are reporting incorrect information on my credit file. 
I have pulled a copy of my credit report and I find that these names are reporting on my credit report in error. I have never been know as 1.XXXX XXXX XXXX 2.XXXX XXXX XXXX 3.XXXX , XXXX , XXXX 4.XXXX XXXX 5.XXXX XXXX I have never lived at these addresses 1 . XXXX XXXX XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Because of all of the fraud going on and credit breeches I would like this removed from my file immediately
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( 30-90 days ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT IS NOT MINE *XXXX  - XXXX THESE INQUIRIES IS NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I looked at my report on XX/XX/2024 and noticed something's are incomplete and not accurate. And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX XXXX XXXX is not complete and accurate. 

XXXX XXXX XXXX showing 100 % paid but still reporting negatively, closed account date is not reporting correctly, last activity is not reporting correctly, Times/days late incorrect, months reviewed incorrect, payment history incorrect, this account is not accurate.
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items 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. 

XXXX XXXXXXXX XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

JPMCB CARD Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Credit limit {$1100.00} Highest balance {$1500.00} Terms - On record until XX/XX/XXXX A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information may be disclosed to such third party
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 a states I have a right to privacy.

15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX, after signing a contract to purchase a XXXX XXXX XXXX for {$38000.00} at a XXXX dealership, I decided to cancel it, after which the dealership started shutting down before I could examine the vehicle. I only managed to contact my insurance company due to the fact I had to vacate the premises. 
Once I got home I only was able to contact the loaner 's ( General Motors Financial ) customer assistance line.They said I would have to call back to " reverse '' the loan on XXXX XXXX, XXXX. The GMF system was still down on XX/XX/XXXX and intermittently .Yesterday I first spoke with a team leader at General Motors . He ( XXXX ) said that the contract is binding because I signed it.
Product: Checking or savings account

I had a bill pay service set up to pay the monthly charge one of my accounts. I closed the account that the service was set up for prior to the last automatic check payment reaching the company in the mail. The company mailed me the check since my account was closed. Once I received the check, I contacted my bank on XX/XX/2019 via their messaging service to have the funds from the check refunded to my account. The company put in a stop payment request on XX/XX/2019. I have been following up almost daily since then to determine the status of the refund. On XX/XX/2019 the bank responded to me letting me know that the refund would reach my account within five business days from the day the check is stopped. It had been seven business since the stop request when I received this answer. I called the bank on XX/XX/2019 and they responded via their messaging service that I would receive the funds " by the end of the week. '' This bank processes their returns at XXXX XXXX, so I checked today, XXXX, XXXX XXXX, to see if the refund had in fact been processed. It was not so I called the bank and was told since the bill pay service is " sunsetting '' that there was no timeline available as to when my refund would be processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Equifax on XX/XX/XXXX when I discovered they were reporting an open car loan account with XXXX XXXX XXXX XXXX XXXX as closed with a last payment XXXX of XXXX, when the most recent payment was last month ( XX/XX/XXXX ). They were also inaccurately reporting my last name, so a drivers license was uploaded to their website to verify last name. On XX/XX/XXXX when I went to the online dispute website to check the status of the dispute, a message said to call XXXX to provide more information. On XX/XX/XXXX I spoke to " XXXX '' at the XXXX number. She was very difficult to understand and spoke with a heavy accent and appeared to have difficulty understanding me. She said my name had been corrected but the car loan dispute was ongoing. This morning I received an email stating my online dispute was complete, however when I followed the link to the dispute center, I again had a message to call the above referenced number to provide information. There was no information on Equifax online dispute website site regarding the status of my dispute.
Product: Credit card or prepaid card

During the week of XX/XX/2020, I took my son to spring break and staying at several XXXX XXXX   chains. 

I cancelled several reservations due to the COVID-19 and XXXX 's decision to limit and discontinue regular services like room service and so on. 

On XX/XX/2020, after reviewing my credit card activity online. I saw that XXXX charged my visa card ending in XXXX for XXXX. I immediately called XXXX to get this charged removed. 

I was transferred at lest 4 times before hanging up. I then called my bank Navy FCU. I explained the situation and the man in the credit card department initiated an investigation. 

Because I had not heard from my bank about a resolution, I called the bank today and I received horrible service. I was transferred at least 4 times before I got fed up and hung up the phone.
Product: Credit reporting or other personal consumer reports

My consumer report has inaccurate information that was not authorized by me to be reported. I have notified this bureau about this issue but they are not being responsive to the matter at hand.
Product: Credit reporting or other personal consumer reports

Here is a list of the unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I demand that you delete these inquiries immediately and send me a new, updated copy of my credit report reflecting these changes. I am not requesting. I am telling you to comply with the law. T
Product: Credit reporting or other personal consumer reports

I am writing to you today to once again dispute the account that appears on my credit report. As I mentioned in my previous letter, I have been a victim of identity theft, and fraudulent account was opened in my name without my knowledge. I already forwarded the required FTC report to the company and they have acknowledged that this account was fraudulent and have removed it. However, I have noticed that your bureau has continued to report this account, even though the other credit bureaus have already removed it. I would like to remind you that as a credit bureau, you are required by law to ensure that your records are accurate and up-to-date. By failing to remove this fraudulent account, you are not complying with the law and are putting me at risk of further harm. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Bull City Financial services around XX/XX/XXXX stating their attempt to collect a debt from XXXX XXXX. I contacted Bull CIty Financial along with XXXX XXXX asking for a statement to substantiate the debt that was owed. According to my records, all amounts owed to XXXX XXXX were paid. XXXX XXXX as well as Bull City stated they would send me the supporting statement. 

I submitted a dispute notice to Bull City along with a request to cease and desist any further action while this debt is being researched, this was confirmed by Bull City it was received on XXXX. 

In XXXX I received a call from a supervisor at XXXX XXXX who advised she would research further and contact me back. I never received a call or a statement. On XX/XX/XXXX I received a letter from Bull City ( see attached ) that did not provide sufficient itemized information to answer my question of what this debt represents. Almost two years had passed and this was my first notification of an outstanding amount. 

On XX/XX/XXXX I contacted Bull City Financial to confirm the cease and desist was received and to again, ask for more detailed information on the nature of this balance before it is paid. I was met with opposition and spoke with a collector by the name of XXXX who advised the " proof of debt '' I received was all I had to be provided. I requested to speak with a supervisor and was ignored and transferred/rerouted for over an hour. 

At this time I sent a second cease and desist letter via certified mail to reiterate there has yet to be a statement provided for this debt., therefore I am still disputing because according to my records all debts were paid. This has since been reported to my credit report and has impacted my credit score.

I have spent hours on the phone with XXXX XXXX as well as Bull CIty, at one point I was advised by XXXX that they changed systems and was unsure of how to obtain the statement in question, yet, they reported me to a debt collector. Who has proven to be uncooperative and mentally abusive with giving me the runaround or mocking my request for more information.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  Credit Card is reporting incorrect contact information on all  XXXX  CRA 's. Dispute letter mailed to  XXXX   XXXX  at the address listed on all   XXXX   reports   XX/XX/17    . This letter was returned " un-deliverable ''  XX/XX/17   . Photo copies of the letter showing the United States postal service could not deliver the letter along with a letter requesting the information be removed due to inaccurate reporting to all   XXXX    bureaus  XXXX ,  XXXX , and TransUnion on  XX/XX/17   . All   XXXX   have responded as "  Verifed  '' account information yet all  XXXX  still list the incorrect mailing address for this account.  XXXX   XXXX  sent me a letter with their correct address in the return section of this letter. Due to the inaccurate reporting of  XXXX   XXXX  and the CRA 's this account needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account.
Product: Mortgage

I received a 12 month deferment on my XXXX XXXX mortgage payments due to covid. I made all payments before and after that covid deferral. I started payments XX/XX/XXXX. In XX/XX/XXXX, Wells Fargo called me and said I had to pay in full those 12 payments totaling {$18000.00}. I said I wanted to pay at the end of the loan or when I sell my house. They said I had to pay it all now. I asked to speak to a supervisor. I was placed on hold for a brief time, then told someone would call me back. I confirmed my number, but no one called me back. I received an email from Wells Fargo and was told deferred payments go to the end of the loan. 
I received another call in XX/XX/XXXX telling me I had to pay the deferral in full. I told them I did not and told them to stop calling me. 
I received another call on XX/XX/XXXX, again telling me I had to pay the deferral. I told them they were required to stop and I was reporting them.
Product: Credit reporting or other personal consumer reports

Its XXXX accounts showing on XXXX XXXX and XXXX! I demand deletion today