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

I agreed to pay XXXX per month on my purchase in the store. they financed through Synchrony Bank. within the first few months, I received a bill with a late fee. I have paid the XXXX every month - ahead of the due date. at that time I called them and they stated that the first month was late. we discussed the due date and I assumed they were correct on the first payment an made the additional payment to clear the problem. Since then - every single month they have added late fees to my account .... those fees now exceed the original purchase price of the bed I bought. they have called and harassed me for payment for months. calling at all hours several times a day - every day. I called again today to try and speak with a supervisor on the issue as every other time I call I get someone who just repeats that I owe this amount. I spoke to someone named XXXX who again stated that I owed the fees as I was not on a fixed payment plan. that is news to me. he stated that as the fees went on the payment needed increased and I was not making that minimum payment. again I explained that I was NOT late making payments and he repeated that I owe the money and how much I owe without even acknowledging my statement about the late fees being added incorrectly in the first place. I have made my payments in good faith and will continue to do so until the original balance is satisfied. they have done significant damage to my credit rating with these fraudulent fees. I will NOT pay the fees.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I regularly monitor my credit reports due to identity theft that Ive been having is I deal with for several years. I got an alert that there was a collection for a doctor in Florida, but I havent been to any doctors there or even been to that state in many years. 
I contacted the collection agency and sent them copies of my ID theft report and police report. I even sent them proof of where it was at the time the person who was impersonating me was seen at the hospital. They still refused to remove the fraudulent debt from my credit file. 
I then contacted the credit bureaus and sent them the same information. All they did was notate that it met FCRA requirements, but its still showing on my reports.
Product: Credit card or prepaid card

I opened up a new secured credit card. On their website it says to make a payment by XX/XX/2021. I have no statement mailed to me, and this is fraud on their part. I called them and they are like a bunch of cement bricks, they do not get it!! They said I dont have to make a payment til XX/XX/2021!!! Really??????? Why does their website say make one in XXXX?????????? And I want my statements mailed to me. I am very upset with Cap One, they are no longer a good company at all!! If I get a late fee because they said not to make a payment till XXXX, I will go through the roof!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX , XXXX has made three ( 3 ) illegal, invalid, erroneous, and unauthorized hard inquiries on my credit which has damaged my credit score. 

Cease and desist, no authorization This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : Made by : XXXX , XXXX Made on : XXXX Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian Made by : XXXX , XXXX Made on : XX/XX/2019 Made with : Experian I have not signed any documents authorizing your organization to view my credit history, therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

I request that after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

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

I am writing to express my deep concern regarding several disputed accounts that remain inaccurately listed on my credit report. XXXX multiple attempts to address these inaccuracies and repeated requests for a thorough investigation, there has been no resolution or corrective action taken to date. 

These erroneous accounts are severely damaging my XXXX XXXX and significantly hindering my ability to lead a normal life. The negative repercussions of these inaccuracies have caused immense hardships, and I am left with no choice but to plead for your immediate assistance in rectifying this situation. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my XXXX XXXX so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.
Product: Checking or savings account

On XXXX, XXXX, 2023, I opened online XXXX accounts with Citibank, XXXX checking and XXXX savings. From their website, through the XXXX XXXX, I transferred {$40000.00} to the checking account and {$5000.00} to the savings account. XXXX days later, Citi did not have the funds on my online account, so I called them to get some information. I was told that both amounts were not showing up on my accounts and the reply was that they were not showing as incoming either. 
During the exchanges with several agents of that outsourced center, I realized that the level of service at this bank was not what I was looking for and decided to close both accounts. This was done via a chart which I kept as a record. The agent confirmed in writing the closure of both accounts. 
A couple of days later, I noticed that only the checking account had been closed, but not the savings. 
Instead of bouncing back, the {$40000.00}, Citi directed them to the savings account ( in opposition to the instructions given by XXXX ). 
As their website indicated errors every time that I was trying to transfer back the {$45000.00} to my XXXX  account, I spoke to numerous supervisors. XXXX of them advised me to start a transfer from XXXX, which I did, but that person omitted to inform me that the maximum amount allowed was {$10000.00} per day and {$15000.00} per month. I transferred the {$15000.00} to the original XXXX account and another {$15000.00} to my Citi credit card account, but afterwards Citi blocked access to the {$15000.00} balance. I was told that my account would be closed ( which was my request on XX/XX/XXXX ) and that a cashier 's check would be sent to me. 
I was also advised by a supervisor to contact XXXX so they could file a Hold Harmless Claim. I followed that advice but XXXX claim dept and their escalation dept advised me to ... contact Citi as there was nothing they could do. 
Today, a Citi supervisor told me that my money would not be sent to me and could not tell me why as she was not a banker and they were not trained for this at that center. She repeated that I should contact XXXX to make a Hold Harmless Claim. 
XXXX supervisors insist that they can not file a " Hold Harmless Claim '' as the transfer request was initiated by Citibank and I was also told that Citibank has XXXX of the worst reputations for that kind of issue in the business. 
I am still receiving bank statements showing the {$15000.00}, as well as added tiny Supervisors. 
XXXX  days after I requested through a ( saved ) chat the closure of my XXXX account, I am being told that this account is still not closed and that Citibank will " decide '' when to close it! 
I also have a letter from Citibank dated XX/XX/2023 indicating " Your Citi account ( XXXX ) will automatically close within 60 days '' and explained that I " violated the terms of your account per the client manual '' when I scrupulously followed the Citibank supervisors ' instruction and only received the manual way after I made all transactions. 
I am under the impression that Citibank is running a scam, as they have been holding my money for XXXX  days for no reason.
Product: Debt collection

Discover currently has a debt listed on my credit bureaus in the amount of {$1900.00}. This debt does not belong to me and is a result of identity theft. I have contacted creditor regarding fraud collections ; however, I have not received a response.
Product: Debt collection

On XX/XX/XXXX i was checking my credit report and found that I had a collections account on my XXXX   credit report for medical services from a company by the name of XXXX XXXX XXXX XXXX on the dates of XX/XX/XXXX for {$85.00} XXXX and XX/XX/XXXX for {$1000.00}. I have never sought medical treatment at this institution and would never seek such services outside my current care provider. I have never received a bill from this company or any other communications other than this debt being placed on my credit report. I have reported this incident to the local police department, but because i have never received a bill from the company, they could do nothing about it.
Product: Credit reporting or other personal consumer reports

I have reached out multiple times trying my hardest to show this companies that I have been a victim of identity theft. This company came back with results that was not needed. I confirmed this credit card was not authorized by me. I took it to law enforcement and they have been investigating whos been using my information and getting multiple cards. This has been a struggle on me as I am trying to purchase a home for my family. I asked that this account be removed from my credit report. I am reporting this is fraud.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CREDIT COLLECTION SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( XXXX ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( XXXX ) after the date of a notification under paragraph ( XXXX ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDIT COLLECTION SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX 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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

For the last 2 years, I have been making payments to them and when I tried to get my payments lowered they told me they could not do it. I was making my payments on time for 6 months plus on time then they decide to change my payment after I called them to tell them not to change my payments because I was going back to school. Then they tried to charge a late fee and add an extra payment at the end of my loan after I talked to one of their customer service representatives and told her not to change my payments. This year has been challenging because I know I signed up for fixed interest rates but they said I did not and now my payments keep going up because of that incident I just explain.I am so ready to pay them off it took me 1 1/2 years to get my payments under {$10.00}, XXXX. I signed up for interest only payments because after reading the instructions that were misleading I thought I paying off the a set interest rate that was accumulated on the principal of the loan but I was not. Now my payments are going up a {$1.00} it seems like every month. I was at {$210.00} now I am at {$210.00}. I just hope it stays there because I can not afford to go any higher and they are not willing to help with getting my payments decreased.
Product: Mortgage

Bayview Loan Servicing has disabled all options to make mortgage payments via online payment or by phone. I have been attempting to make my mortgage payment before the grace period ends on XX/XX/2020 but the website is not accessible and the ( 800 ) number for phone payments claims they are experiencing technical difficulties. I am concerned that this " technical difficulty '' will last beyond the grace period and Bayview will demand a late payment fee. The reputation of Bayview is terrible, according to thousands of reviews and there is reason to believe bayview would not assume responsibility for the inability to make a timely payment.
Product: Credit card or prepaid card

A transaction that was supposed to been canceled and never was and never been refunded
Product: Credit reporting

I filed a dispute with equafax regarding a tax lien and a medical bill. Both are paid and tax lien is reported released. However, the medical bill should of never been filed as collections because notice was never sent out to me telling me my insurance did not pay all of the bill. It was preventive care with a copy and insurance always pays 100 % for preventive care along with copay. As for the tax lien it was paid and it took over a year to get through the right person to show paid and released. The state of Ga revenue office had to file with the county that issued the lien and back and forth with paper work that took over a year to get them to send documents to eachother. Which resulted in incorrect dates showing when it was paid. I disputes several times and only got back completed results showing the debt was mine. I did n't iniate a dispute because of that. I iniated a dispute over information wrongly reported to credit agencies. I want the investigation process revealed to me and XXXX XXXX and XXXX XXXX to show that they did inform me of such money owed to them before sending to collection.
Product: Student loan

I have repeatedly notified Navient that the amount due and owing is incorrect. I have long suspected padded charges since the original loan changed hands twice. XXXX and XXXX specifically. I have NEVER attended one of schools reporting. I never took any funds nor signed any loan documents from this institution. Navient refuses to recalculate these amounts. This is fraudulent.
Product: Debt collection

Cease and Desist XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to 15 USC 1692 ( c ) I am notifying you that I refuse to pay this alleged debt. I am requesting that you cease all forms of communication with me through any & all mediums unless it is related to remedy for the consumer. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedy for consumer, I am requesting all of the following : 1. Zero out the balance on this account. 
2. Close Account 3. Request Bureaus Remove Account from Reports 4. Cease All Attempts To Collect Debt 5. Cease all communication
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. 

MY NAME IS NOT XXXX XXXX! 

XXXX XXXX HAS VIOLATED MY RIGHTSXXXX DEPTEDXXXX/HAS VIOLATED MY RIGHTS/ 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 XXXXXXXX XXXX/HAS VIOLATED MY RIGHTS/ XXXX 15 U.S.C. 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 604 SECTION 2 IT ALSO STATES THAT A CONSUMER CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSET OR INSTRUCTIONS.

15 U.S.C 1681S ( 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 THAT ANTEDATES THE REPORT BY MORE THAN 7 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: Consumer Loan

I reached out to the creditor and upon speaking with a representative whom provided his first name as " XXXX '' stated that there was n't much that he could do about the inquiries except what I am already trying to do myself and thats reach out to the dealership 's via phone. At this point the dealership is saying that since that since they are the ones ' who ran the credit, than they ( Santander ) are the only ones ' who may have the inquiries removed. 
Providing that they never had proof/written authorization via credit application following a valid state issued ID. I ask that these inquiries be investigated since I have already stated that my current state is a victim of fraud and identity theft. It has been made very clear that someone is and has been trying to obtain an auto loan. The excessiveness of credit being ran is point one of many. Credit does n't change much in a day or XXXX as agencies report every XXXX days raising a flag in most cases. That concludes my response and now it is my intent to resolve the matter with all options within my legal rights. Thank you for your time and attention regarding that matter as it is very sensitive.
Product: Credit card or prepaid card

For XXXX I purchased 4 {$50.00}. Gift cards from my local XXXX store. 
None of the recipients told me until.XXXX  that the cards were not loaded I've been fighting with them for refunding all 4 cards.

Twice they have sent me 1 single card for {$50.00} ( they also have a XXXX balance. 
Several times I have submitted all documents they need.
Product: Credit reporting or other personal consumer reports

I have submitted a dispute letter to the Credit Bureaus on these following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX. These items on my report have been over looked on many occasions. Experian, XXXX, XXXX have all ignored my complaints. Im sending another round of letters as of today XX/XX/XXXX regarding the items on my report Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXXXXXX XXXX XXXX  , Account : XXXX Creditor : XXXX XXXX XXXXXXXX, Account : XXXX
Product: Mortgage

I was approved by a government organization called XXXX XXXX XXXX  to pay off the remaining balance of my mortgage but my Lender would not approve to accept the payment. I need a reason why they wouldnt accept the payoff amount when you accepted it on 5 homes from the same organization.