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

I have an issue with our account that was for a promotional purchase in XX/XX/2019. I was approved for promotional pricing ( 36 months zero interest ) through this credit agency as a 3rd party through my air conditioning company. There was no indication of any fees added beyond our promotional price. The cards were never even activated or used beyond the purchase made to this company. I applied via the application online provided by the air condition company and got instant approval. I did not receive any indication that we were being charged another fee. As you can see from the attached email from the AC representative, it is not something they can even offer during the application process according to their Synchrony rep. We were approved for {$9400.00} but were only charged for the unit at {$7700.00}. Due to an added " Card Security Fee '' that we DID NOT sign up for, we have paid well over that amount within the the 36 months promotion. They are also saying we owe {$1500.00} in fees and interest on this card security charge. Apparently, we were signed up for a card security plan that we did not opt in and then charged interest on top of it. According to my records, we have paid {$9700.00} and instead of our promotion being paid off, it was being applied to interest and fees we were not supposed to incur. At this point, I have spoken to 5 representatives both electronically and over the phone and each one has told me something different. I have been told that they can not send us our original loan agreement because it violates their policy. I have been told that the loan agreement was sent, but we never received it. I have been told by the representative for the air condition company that they do not automatically add card security and I have been told by the Synchrony employee that they do, in fact, add it in the application process. Also, opting into e-statements is added as a perk when in actuality it is more smoke and mirrors to conceal further predatory loan practices by concealing fees and services when e-statements are limited to only 24 months online and not making loan agreements available. When viewing the loan information online for the balance of the promotion, it appears that there is no interest being charged. You must look at a detailed statement to see the additional fees being snuck in. In 36 months we never missed a payment, even during a pandemic. Yet, we are being punished by their own predatory measures to ensure they collect their fees. When setting our account to autopay a payment for 36 months, we put trust in your credit company that our promotion would be met on time and within the terms we agreed. Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX I realized that I was a victim of identity theft and fraud. I started writing dispute letters, calling the creditors and also the credit bureaus. Majority of the items were removed. Experian has XXXX XXXX on my credit after being removed by XXXX and XXXX. I have submitted affidavits and police report, and also a FTC report, I called and spoke with someone and he said he wont remove it and when I stated I was going to file a complaint he stated he didnt care. 
XXXX is still hold XXXX XXXX XXXX XXXX and that too is fraud. Other than these items I have great credit thats how they know they arent mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus Equifax shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DPT ED/XXXX Account # : XXXX Account Name : DPT ED/XXXX  Account # : XXXX
Product: Debt collection

These guys are reporting 4 fraud accounts. They have sent people to my house to harass me for these debts to the point of having to move and have to seek XXXX  for XXXX from the harassment and stalking. Nobody sent me notifications about these debts until someone showed up at my door. I have requested receipts of mail sent or a signature from the originating company to prove these are my accounts from both the collection agency and original creditors with no avail. Only copies of monthly ledgers that I could easily create with any computer or transfer information from one account to another. No signed contract or signed receipts to even prove that I opened the account. The other problem is these guys are still reporting these accounts to the credit bureaus and anytime I try to contact them I either get hung up on or no return call or email. If the debts are owed to XXXX, why am I being directed to a Resurgent website for payments? This feels like a scam and someone just looking to profit without proof.
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraud listed on my credit report I gave no permission for this XXXX XXXX HARD Reported XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXXXXXX HARD Reported XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX  HARD XXXX XX/XX/XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft and I never opened this account. This is a violation of the FCRA and is also a violation of requisite XXXX XXXX Compliance Reporting Standards Please remove this inaccurate, untrue, incomplete, and non-compliant information from my credit report immediately
Product: Credit reporting

The medical bill owed does not belong XXXX. The debt is a hopital bill that belongs to XXXX Hospital. This bill was reported to, XXXX didffrent agencies meaning that I would have to pay double for XXXX bill that was reported twice.
Product: Credit reporting or other personal consumer reports

I am unable to pull my Experian report because my credit file has no address attached to it. I have sent in documents supporting my identity
Product: Debt collection

I am disputing the ongoing reporting of fraudulent accounts on my credit report by your bureau. Despite assurances from associated banks and compliance with other bureaus to remove these fraudulent accounts, they persist on my credit report. It is unacceptable that I am being penalized for fraudulent activity I did not initiate or authorize. 
Fraudulent Accounts to be Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide verification and method of verification of late payments and this information is inaccurate. Please provide validation of debt as well. 

XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I should have XXXX late payments on XXXX XXXX. XXXX is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with XXXX  and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance under the fair credit reporting act this creditor has violated my rights. Under 15 U.S. Code 1666b 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.

I am not a credit repair company, and Im filing this complaint on behalf of myself and no one else, or any company has provided me with any assistance.
Product: Credit card or prepaid card

I ordered & paid for a black Jersey with Red numbering on XX/XX/XXXX from XXXX I asked for a status update on my order on XX/XX/XXXX ( order XXXX ) I received the Jersey on XX/XX/XXXX, it was gray with military print numbers, it did not look anything like the jersey in the order I contacted the seller, after providing pictures of the wrong jersey, i received an email say they are sorry for the inconvenience, told me shipping is expensive, and offered me a discount on a future order. 
After emailing the seller did not result in a return label, or anything other then a apology for the inconvenience, i tried to dispute the transaction. 
{$53.00} for the item & shipping, {$1.00} foreign transaction fee I tried to dispute the charges after i looked up the company online, and the email that i'm getting replies from shows pages of other people that were scammed by this company. XXXX SCAM They have since taken down the website i used to order the jersey, but there are countless others. 
Citi card ( 2 % cash back card ) stated since i'm still in possession of the jersey, they will not honor the dispute. I have explained to them several times that the seller is no giving me an option to return the item. 
I'm hard pressed calling it a dispute it is fraud, since all the complaints are the same, order one thing, get something else, don't offer any meaningful way to return the item and the credit card company refuses to honor the dispute.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelles handling of disputes. Particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering the lost funds was impossible and that tracking these transactions was unfeasible.
Product: Debt collection

There was no consent to be contacted for the mailings ( XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) received. The alleged debt is {$2900.00}. There have been multiple phone calls received. According to the codes many of them have been violated which included threats to be sued along with deceptive forms. The company has reported the alleged debt to the credit agencies as well. There are two other companies used by the main " debt collection '' company but the letters state they are a debt collector making them third parties. The third party companies are not licensed in Arkansas to collect debt seeing how their letters state they are debt collectors. There have been many violations per 15 USC1692 and I am pretty sure there could be more.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to Equifax requesting an investigation into inaccurate items on my credit report, as well as unauthorized inquiries. To verify my identity and address, I included a copy of my ID, Social Security card, and 1099 form. 

In my dispute letter, I specifically requested the following information from Equifax : Details on how the disputed item was verified. 
The date when Equifax contacted the creditor and furnisher. 
Contact information for the creditor and the furnisher. 
The name of the person who verified the item. 
The method of communication used to verify the information ( e.g., phone, email, mail ). 
Confirmation whether the creditor and furnisher provided any sensitive personal information such as my Social Security Number, address, and date of birth during the verification process. 
Despite my clear and thorough request, I have not received any response from Equifax. According to the Fair Credit Reporting Act ( FCRA ), if a consumer disputes the completeness or accuracy of any item of information in their file, the credit bureau is required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute. This lack of response and investigation is a direct violation of the FCRA, which mandates that credit bureaus must ensure the accuracy and completeness of consumer credit reports.
Product: Credit card or prepaid card

On XX/XX/2020 @ XXXXXX/XX/XXXXeastern time. I have made my 3rd attempt to contact AVANT Credit card customer service to be sent a final bill so I can pay the account in full. I was told for the 3rd time that they would submit a ticket and see what they can do. I was told that it could take up to 14 calendar days for a response. I have gone through this 3 times and have not received anything from them. In the mean time the late fees and interest continue to add up. They also continue to report to all 3 credit bureaus and now again my credit score has dropped another 30 points. All I wanted was the bill to make the payment. I have just returned to work after being off for 13 weeks I am struggling like many other people during the pandemic. I am trying to do the right thing and just pay my bills. After months of trying to settle this account I have come to a point I don't know what way to go. Is there anything you can do to help me resolve this matter. They are going to continue to destroy my credit with their late payments and charge off. All I want is the Bill to pay them. I don't think what they are doing should be legal. They are avoiding the final bill to accumulate late fees and interest no matter the amount when it is done to thousands of people it adds up. Thank You.
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I contact XXXX and tried to get a debt removed that was incorrect. But I was told that they couldn't do that and this was told a month ago I'm trying to fix my credit and they're hindering me I would like answers on why I have amount on my credit next to the company name. That's illegal
Product: Vehicle loan or lease

I was with us auto sales but they closed down. Now I'm with westlake portfolio management my due is incorrect and they have proof of my current job and pay schedule and the fact that us auto sales changed my due date before they took it over. They also still have me paying for gap insurance which was in my contract they took over. If they don't honor my gap insurance then my payments should be lowered. There are also fees for car insurance added to my account that was already taken off by us auto sales. I've kept car insurance during my whole car note. I've spoken with two managers once on the XX/XX/23 and on XX/XX/23. They keep saying they are submitting it but no update. While still getting late fees and phone calls to pay. They also have my contract for the gap and proof that my due was changed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Fl XXXX XX/XX/XXXX XXXX, Equifax and XXXX, dispute department po box XXXX, XXXX, TX XXXX. 

Re : Dispute of Account # XXXX XXXX Dear XXXX, Equifax and XXXX I am writing to dispute the accuracy of the information on my credit report. Specifically, I would like to dispute the account referenced as # XXXX XXXXXXXX, with the creditor XXXX 

I believe that this account contains inaccurate information, and I request that you investigate and correct it in accordance with the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws. I am disputing this information based on the following reasons : 1. Violation of Privacy Rights : According to the FCRA, specifically 15 USC 1681 Section 602, I have the right to privacy. Section 604 of the same Act reinforces this right. The creditor in question has violated my privacy rights by reporting this account without my written instruction, which is expressly prohibited by these sections.

2. Late Payment Inaccuracies : Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. I believe that there may be inaccuracies in the reporting of late payments related to this account. 
1- innacuraci in Account number ; in XXXX is reported as XXXXis diferent that in XXXX and Equifax XXXX 2-inaccuracies in acount status : In XXXX is reported as closed diferent that XXXX and Equifax is reported as paid 3-inaccuracies in date opened : In XXXX is reported opened XX/XX/XXXX, XXXX and Equifax is reported XX/XX/XXXX XXXXinaccuracies In number of moths ( terms ) line : XXXX and XXXX has reported 24 months, Equifax has reported 0 months 5-inaccuraciesIn payment status : XXXX has reported current XXXX has reported Late 30 days Equifax Has reported Current 6-inacuraci in las reported day : XXXX and XXXX has reported XX/XX/XXXX Equifax XX/XX/XXXX XXXXinaccuracies in comments : XXXX and Equifax has reported as closed 8-inaccuracies in last day active : XXXX has reported07/03/2023 XXXX and Equifax XX/XX/XXXX 9-innacuarqci in date of last payment, XXXX and XXXX XX/XX/XXXX Equifax has reported on XX/XX/XXXX XXXXinaccuracies on the month of reporting 30 days late : XXXX and XXXX report 30 days late In XX/XX/XXXX and Equifax has reported in may 2023, 10 diferent inaccuracies between XXXX XXXX XXXX XXXX and XXXX, credit report agencies I kindly request that you investigate the accuracy of this account, including the late payment reporting, and take the necessary actions to correct any inaccuracies in my credit report.

I understand that you have a legal obligation to investigate this dispute under the FCRA. Please provide me with the results of your investigation and any actions taken within the required time frame. 

Please note that I am making the same dispute with XXXX, Equifax, and XXXX, and I expect a thorough investigation from all three credit reporting agencies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

I took a loan out for {$3600.00}. 
My bank deposited the check in another 's persons account. 
Once they corrected the problem I had lost out for the reason I needed the money for ... So I repayed the {$3600.00} before the first due date ... Now the institution I borrowed the money from says I owe them {$340.00} by XXXX ... that 's only 7 days they have me to pay the {$340.00} when I just payed {$3600.00}
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, XXXX, and Experian report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX