23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM TIRED OF WRITING XXXX, EQUIFAX, XXXX ABOUT BREAKING THE LAWS Under 15 U.S. Code 1681b- Permissible purposes of consumer reports. I XXXX XXXX THE LIVING HUMAN BEING NATURAL PERSON NEVER GAVE THESE AGENCIES ANY PERMISSION OR AUTHORIZATION TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. I AM PREPARED TO GO TO COURT IF THEY CONTINUE TO REPORT THESE ACCOUNTS ON MY CREDIT REPORT. 

NO CONSENT IS IDENTITY THEFT!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS BEEN NOTIFIED OF AN INACCURATE ACCOUNT THAT THEY ARE REPORTING ON MY CREDIT REPORT AND THEY HAVE YET TO RESPOND OR REMOVE THE ACCOUNT. BOTH XXXX AND XXXX HAVE REMOVED THE ACCOUNT. 
XXXX WAS NOTIFIED ON XXXX XXXX. IT HAS BEEN LONGER THAN 30 DAYS AND THEY HAVE FAILED TO COMPLY. I HAVE ATTACHED DOCS TO SUPPORT MY CLAIM THAT BOTH XXXX AND EXPERIAN REMOVED THE ACCOUNT. 
THE ACCOUNT IS Account # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding accounts that have been marked as late payments. After thoroughly reviewing my records, I confirmed that these accounts were, in fact, paid on time. This incorrect reporting has negatively impacted my XXXX Score. Under XXXX XXXX XXXX XXXX. XXXX, pertaining to late payment remarks, I am entitled to a fair and accurate investigation of disputed items on my credit report. I kindly request that the status of these accounts be corrected to reflect timely payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent 2 certified letters to XXXX XXXX regarding a credit card account with a past due balance of XXXX that appears on my credit report. Two different letters were sent to verify and validate the accuracy regarding the balances and whom is responsible for servicing the account. No letters have be answered. 

I contacted XXXX XXXX via phone regarding the account and they advised another party is servicing the account that is appearing on my credit report and they provided a phone # and address. I sent a certified letter with matching certified numbers on the letter addressing my concerns on XX/XX/2022 and not received any correspondence as of XX/XX/2022. 

My integrity is being compromised as I am attempting to better my family and not being able to handle these credit reporting issues are hindering my abilities to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to XXXX. While several Federal laws were broken under the ( FCRA ) by your company. 
This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX, loss of XXXX  of activities. I cant apply for credit, my ability to apply for credit is tainted, I cant receive any XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I had a statement balance of {$77.00}, I paid that in full on XX/XX/23. That same month/billing period, after I paid the statement and account balance, I was charged additional fees. These fees carried over creating a balance, and then they reported me late several months later.
Product: Credit card

I had fraudulent charges happening to my cards in real-time. I tried to resolve them, and they asked me to call overseas to get to where the card was being charged. They told me I had to wait for the transactions to post, and I disputed them, but they only resolved a small one and didn't issue any provisional credits. They have completely stopped responding to me, and I have sent multiple emails. The transactions were made in another country and are fraudulent, but they won't return my messages or emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file a complaint to EXPERIAN. As per the Fair Credit Reporting Act everything must be 100 % precise on my credit report. My account was properly investigated by the credit bureaus, but how is that possible when the open date, date of last activity, and date of the last report are all incorrect? This ground for evacuation they likewise abused my freedoms. I have the right to privacy, as stated in 15 U.S.C. 1681, section 602 A. Section 604 A of 15 U.S.C. 1681, Section 2 : Additionally, it states that without my written instructions, a consumer reporting agency can not provide an account. Additionally, it took the credit bureaus more than a month to finish my investigation.
Product: Checking or savings account

On XX/XX/2024 I closed my account with XXXX  XXXX XXXX ( XXXX ) which issued a check ( copy attached in files below ) of my remaining funds and was sent to me through mail. I deposited the check into my chase account ( deposit receipt attached in files below ) on XX/XX/2024. The funds were delayed for 10 days as it is the norm. On XX/XX/2024, the funds were cleared however a hold was placed on the funds by Chase pending an investigation which involved Chase reaching out to XXXX to confirm the funds. Chase informed me that they require a " receipt of indemnification '' form from XXXX to conclude their investigation and release my funds. I visited a XXXX  branch and they were able to provide me with a receipt of the check showing all the information ( copy attached in files below ) as well as my bank statements showing that the funds did come from my account however they told me that they never provide indemnification forms or even know why Chase would be withholding my funds because the funds had already left their accounts at that moment and they couldn't do much to help. Since then it has been back on forth between Chase and XXXX. I set up an appointment with a Chase manager on XX/XX/2024 to discuss what other solutions were available for me. They kept requesting the same document as before. I then set up another appointment with XXXX on XX/XX/2024. The new manager informed me he would put in a request with the back office for the receipt of indemnification and that it should be ready XXXX days later on XX/XX/2024. It wasn't ready on the XXXX and they informed me to return the next day XX/XX/2024. When I returned, they provided me with their account closure department number and advised me to call the number and they will instruct me on what to do next. When I called, XXXX informed me that the best way they can help me is for Chase to reject the check and return the funds to the original creditor ( XXXX  ) and that they will reissue me the check and that they can't do much more because the funds had already left their account and that it is Chase who has suspended the funds. However, whenever I reach out to Chase, I am informed that they can't move on with their investigation to release the funds without receiving a receipt of indemnification form from XXXX and the funds will be suspended indefinitely without knowing the final date. XXXX also provided me with their check verification phone number for Chase to call and verify the check and the funds. I provided the number to Chase but I do not know why they wont call them to verify. XXXX keeps assuring me that the funds have already cleared from their end and that it is Chase that is holding these funds and they aren't exactly sure why. These are my savings and I need them to pay bills and support my family. Please help! I have been back and forth between these XXXX banks with no end in sight.
Product: Bank account or service

We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TRANSUNION CONSUMER RELATIONS TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX XXXX Dear TRANSUNION CONSUMER XXXX : Settlement Demand Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I am writing to address the willful violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX which has resulted in significant damages to me. 

Pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ], I am entitled to statutory damages for your violation. I am willing to settle my claim for the damages I have suffered in the amount of {$1000.00}.

Please send payment in the form of certified funds to the address listed above no later than XX/XX/XXXX. That is 15 Days from the date of this letter. 

Should you fail or refuse to settle this demand, I will have no choice but to seek actual damages, which I believe will exceed {$1000.00}, as permitted by law. 

I look forward to your prompt response to this matter. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

NOTICE TO CEASE AND DESIST From XXXX XXXX Date : XX/XX/year> Re : Notice to Cease and Desist for Specific Activity XXXX XXXX XXXX XXXX, This letter is served upon due to ( " Activity '' ). 
Collections If you do not cease the aforementioned Activity a lawsuit will be commenced against you. 
If the Activity continues we will immediately seek a temporary restraining order in the District Court against you and any accomplices in this matter. We will also seek monetary damages to be proved at trial. Hopefully this recourse is not necessary, we have our own interests to protect and will vigorously do so.

You will not receive another warning letter. If you do not confirm in writing to us by the, 20.

day of a lawsuit will be commenced immediately. 
_that you will cease violating our Agreement Pride Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX is charging an alleged late fee I told them I disputed it, called customer care and the bank XXXX  and they repeatedly call and harass me even at work ( 10 times a day ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Bank Of America indicating a inquiry on my personal credit profile I did not authorize. Bank Of America wrote me a letter in XXXX stating they will send a notification to the credit bureaus to remove such inquiry. I then submitted this letter from Bank Of America to XXXX  that acknowledged the letter and deleted the inquiry immediately. 

However, Bank Of America did not submit the notification to XXXX to remove the fraudulent inquiry as well. 

So I am submitting this complaint with hopes that Bank Of America will honer their letter to me and request XXXX  to also remove the unauthorized inquiry as they stated in the initial letter addressing my concerns.
Product: Credit card

Date dispute filed - on XXXX XXXX XXXX.

Provided label, tracking info, everything asked of me.

Called XXXX XXXX XXXX, and provided proof of delivery. Case denied XXXX XXXX XXXX despite proof of delivery. Called and reopened XXXX XXXX XXXX, denied again XXXX XXXX XXXX. PayPal made no efforts to alert me on next steps and just kept pushing my resolution date out week after week. Proof of delivery with signature is XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Greetings hope all is well I recently reviewed my credit report and noticed an account that was not reporting accurately, i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencips have need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate and provide verifiable proof with records showing that I had late pavements. Il this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding
Product: Credit reporting or other personal consumer reports

My personal information was stolen in 2024, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a federal trade commission report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX  ( Bank ) : XX/XX/year> XXXX XXXX XXXX XXXX Bank ) : XX/XX/year> : XXXX XXXX ( Bank ) : XX/XX/year> : XXXX ( Bank ) : XX/XX/scrub>XXXX XXXX XXXX XXXX ( Bank ) : XX/XX/year> : XXXX XXXX ( Bank ) : XX/XX/year> : XXXX ( Finance ) : XX/XX/year> : XXXX ( Bank ) : XX/XX/year> : XXXXXXXX XXXX XXXX XXXX Bank ) XXXX XX/XX/year> XXXX XXXX ( Bank ) : XX/XX/year> : U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the file if no documentary evidence is found in accordance with FCRA, 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 reseller.

Below are supported documents ID Utility Bill FTC Report
Product: Payday loan, title loan, or personal loan

I received a payday loan from XXXX XXXX back in XX/XX/XXXX I fell behind on payments and the account was sent to a collection agency Ad Astra I was contacted by them regarding the debt that was placed in their office by XXXX XXXX. I mad arrangements to pay weekly of XXXX. two weeks ago approximately I contacted them to let them know that I was off work to me being a XXXX XXXX XXXX and and I needed the payments to resume the following Friday after I returned to work. The rep put the payment in for the Same week which XX/XX/XXXX and not the following Friday. I received a call about the payment and I did let them know that I couldnt make the payment until the next week and let her know to put it in the for the next Friday. So as of right now the debt was put on my credit report as derogatory. Iam more then willing to pay it off but somehow it was a miscommunication on their end. I want this to be removed because it is affecting my credit negatively and resume payments so it can be paid off as I agreed to with no problem.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy that has been discharged since XX/XX/year> and I have contacted transunion, XXXX since 2019 and I have disputed this for years and it keeps coming back verified Ive contacted the is bankruptcy court and the court doesnt report to any credit agencies therefore my information was obtain without my consent or permission and I want it deleted immediately
Product: Debt collection

This debt was awarded to my ex-husband, XXXX XXXX, in XXXX of 2021. I provided the company and the collection agency with the divorce paperwork asking t Them to remove it from my credit. No response from either company. In XX/XX/2021, I contracted with a credit repair agency to get this taken care of. They have sent multiple letters to avant and absolute resolution, the collection agency on my credit report, with no response and they have not removed it from my credit. I do not know what to do to get these people to take this off of my credit. I have sent them legal documents, the XXXX XXXX XXXX has sent them multiple legal documents, and they are doing nothing that late they are legally obligated to do.
Product: Credit reporting or other personal consumer reports

I noticed unathurized inquires on my report that are inaccurate please remove them XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I used my prepaid PayPal card for an online casino. I would get my balance in real time on every purchases. When I dropped to a negative balance I immediately made a deposit. When I saw that my PREPAID card was negative XXXX I called and the girl said it was her first day and was useless. I asked her to block the card and then I get a message saying it was reported stolen. It wasnt. I wanted to see how they were saying I was negative when I had my real time balance for every transaction. One, I put in funds to cover every transaction and two, if there were no funds why would they let the transaction go through ( over 10 separate transactions ) I filed a complaint and all they did was send me a list of my charges. I asked for a an actual bank statement showing money out and money in and they wont provide it. I have sent them documents showing all of my Balances/ transactions/ and withdraws in real time and yet I still keep getting the same email with nothing but a list of charges and an email saying the charges were accurate. Yes, they were but I also deposited funds to cover ea h one. They refuse to show that or realize it is THEM that I am disputing. Not the charges. The charge I am disputing is them saying I was negative and making me pay them XXXX. I have emailed over 10 times asking for them to show me where I was negative and they wont
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I sold item on XXXX for {$240.00} buyer complained to XXXX   about cancelling order after shipment was in progress then opened did not receive item case with XXXX and lost since I use XXXX/Paypal labels. Then buyer open chargeback with Paypal after receiving shipment through financial institution. Paypal asked me for proof of delivery which was supplied to them and buyer also signed for shipment at time of delivery. Paypal keeps holding me responsible for the now XXXX ( XXXX more dollars for chargeback fee ). If I have so called Paypal Seller Protection why is this happening against my seller 's account with a negative balance that they keep taking away and putting back. No seller should be subjected to this type of negative treatment after a tangible item was delivered and signed for.
Product: Vehicle loan or lease

After a lot of calls from this company I did not know, ( because I thought it was a scam because I never saw this name during the purchasing process ). I spoke with a few people at the number and subsequently asked for a supervisor. I was told by this person that I had to pay over {$1300.00} and that there would be no negotiation. Previously, I spoke with my banking institution prior to purchase, who were willing to assist with lower interest rates on payments ( Exeter was charging 21.78 % ). After the institution looked at my credit rating they informed me that I had dropped from a XXXX with all three bureaus to 600+ score. I was denied. Being on a fixed income that is lower than the amount being demanded, I asked about arbitration or just lower the amount. I never got to say that I wanted to retain the vehicle. I was under the belief that the payments would be {$200.00} lower. I was also told that the warranty did not contain some of the information necessary for car maintenance, I was stranded for two days and had to personally pay. I am still waiting for reimbursement I was told I would receive. And the dealership and finance company never reviewed my credit score as far as I know.
Product: Checking or savings account

I am writing to file a complaint against Capital One Bank regarding the withholding of my funds. I was scheduled to receive funds on Thursday, XX/XX/2025. However, as of today, Friday, XX/XX/2025, the funds have not been credited to my account, and I have received no updates from the bank explaining the delay or providing a resolution timeframe. 

This delay has caused significant financial inconvenience. I had scheduled a credit card payment based on the expectation that my funds would be deposited on time. Due to the delay, the payment was returned, and my credit card account overdrafted. This has impacted my credit and caused unnecessary stress. 

I have attempted to resolve this issue with Capital One directly, but no clear resolution or explanation has been provided. I am seeking assistance in obtaining the withheld funds and addressing any fees or negative credit impacts resulting from this issue. 

Thank you for your attention to this matter.