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

Synchrony is playing a little game with me now. 

I always OVERPAY what I owe despite that our system is so warped, my XXXX XXXX is LOWERED for trying to pay off my debts. My XXXX. What DO you people do? ANYTHING? You just seem like a glorified secretarial service. We complain, you send it to them but NOTHING EVER CHANGES with the system. Honestly, we have no idea what CFPB does. 

XX/XX/2022 -- I doubled my owed payment of {$30.00} to {$60.00}. 
XX/XX/2022 -- I paid {$200.00} on my bill. 
XX/XX/2022 -- I paid {$100.00}. 

All of this is WAY WAY over what I owe. Then I get a notice from Synchrony I have " defaulted '' on a payment from XXXX and they charge me greater interest and a late fee despite that I am OVERPAYING the minimum. The XX/XX/XXXX payment was to cover the XXXX payment as well that they now say is delinquent. Now they are threatening me with highest interest rate and fees. Again, like a XXXX XXXX. How can I be in default when I have overpaid to the tune of over {$200.00}? 

Just to get them to leave me alone, I signed up or auto-payment but then they sent me an email they do not start until XX/XX/XXXX. This is new. 

I hate being f with. Really really hate it esp when I am trying to pay off my debts. There is NOTHING late. I have OVERPAID. They need to remove the latest " late payment '' and why suddenly has my auto payment date changed? All designed to XXXX me over.
Product: Credit card

American Express Credit Card : Filing a complaint due to their horrible customer service, which is based outside the United States. 

Paid my bill in full, was still charged interest of {$39.00} and also an extra fee that is unknown of for {$100.00} ( which customer service didn't have record of but it showed up in my online account 4 days after my bill was paid off and paid in full ). 

They claimed the {$39.00} was for a late fee payment, after my card was cancelled and account closed and after they received my payment in full of {$6000.00} I had called to confirm payment was sent on XX/XX/2023 from XXXX XXXX  ( they were issuing the check to American Express ) and even sent a screen shot to a Supervisor / XXXX at ( XXXX ) XXXX to show the payment was sent. Due to holiday closures and situations out of my control, they received the payment XX/XX/XXXX, and it was due XX/XX/XXXX, but proceeded, even with all my calls and notices and notifications, to charge me fees. They offered to settle on my account around {$4000.00} XXXX days prior to receiving my check on XX/XX/XXXX - but after I paid in full, the amount I owed of {$6000.00} ( didn't take the settlement with them ) they proceeded to charge this late fee. 

Their customer service is ineffective, they do not help, only argue and I have got to the point of wanting to seek legal council about it due to a feeling of being XXXX  by this credit card company. They send me two or more emails a week, they call, even when they knew I had paid the account in full. They offer me settlement deals on {$39.00}... it's just very ridiculous and the customer service doesn't speak well, because they are out of the country, and very argumentative and they just put you on hold for thirty minutes or more, then transfer you and nothing ever gets resolved with them. It's a game they play and they are ripping off the American consumer with unethical customer service. 

I do not want to be contacted by American Express again, I have expressed this, my account has been cancelled, closed, but yet I continuously get emails from them and additional charges. 

Please report this to them. I am also reporting this to any legal / consumer affairs organizations that I can find.
Product: Credit reporting or other personal consumer reports

This is my repeated request that I have been the victim of identity theft and no one seems to care, that I want to dispute certain entries in my credit file that are not mine, or that I have signed any agreement. The things I'm arguing have nothing to do with any transactions I've carried out or given permission for a reason to obtain goods, services, or cash. Please take the following things away : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}.
Product: Debt collection

This complaint is in regards to MEDICAL DATA SYSTEMS. I am aware that this is a debt collections company I have received multiple phone calls from different numbers in regards to the collect of an alleged debt. This company has been Harassing me in violating my federal protections rights under the FDCPA. They have been causing emotional distress mental anguish as they have been calling me while I was at work constantly. I was unaware of the alleged debt they place on my consumer report. I did not have the opportunity to dispute the alleged debt, in it was furnished on my credit reports. As a result my character in reputation are being damaged per, 15 USC 1692D ( 1 ). This is a violation. I have both been harassed in my reputation has been damaged. If in fact you believe you gave me proper notice, than please send me the certificates receipt with my legal name and signature. This debt collection company is liable to me under 15 USC 1692K civil liability.
Product: Debt collection

While I'm not a legal expert, generally, if you have a payment arrangement with a credit collector, they typically shouldn't report negative information to credit bureaus. It's crucial to carefully review the terms of your arrangement. In my case with Jefferson Capital, they used my credit to retaliate against me due to a dispute I raised. The reporting of a one-dollar amount has resulted in a XXXX decrease in my credit score.
Product: Debt collection

EVERY MORNING, UPON SEEING THESE FRAUDULENT ACCOUNTS IT MAKES ME STRESS. I WANT THESE TO BE TAKEN OFF FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to XXXX, XXXX and Equifax regarding the charged off XXXX XXXXXXXX & XXXX accounts listed and the XXXX hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The XXXX credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Texas XXXX Email : XXXX Phone : XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I was reviewing my credit report and found several addresses that appear to be incorrect. I have attached documentation providing proof of my current address, as indicated on your website. 

To facilitate the removal process, here is a list of incorrect addresses I currently see in my report ( which I would like to be removed ) : [ XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, Texas ] [ XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas ] There should only be XXXX address in my report, which is : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, Texas XXXX. 

I also noticed that my name appears to be misspelled on my credit report. My name has only one correct spelling and there should be no variations listed because my name does not have any variations. I have attached my photo ID to show the correct spelling. 

Once again, to facilitate the removal process, here are the incorrect spellings I see in the list : [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX ] Additionally, I request the removal of the incorrect employers listed below : [ XXXX XXXX ] [ XXXX ] The only job I need listed is : [ XXXX XXXX XXXX XXXX, XXXX XXXX ] Therefore, I kindly request that you delete this negative account as I am facing difficulties in ensuring my report is clean in the best possible way in order to continue with my legal process. 

Once the incorrect names, addresses, and employers have been removed from my credit report, please send me a copy of my updated credit report. 

Thank you for your attention and assistance in resolving this matter promptly. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Photo ID Proof of current address
Product: Credit card or prepaid card

In XXXX of this year, I opened a credit card account with XXXX ( Comenity capital bank which is now Bread Financial ). 

I purchased items but made a return in the amount of {$160.00} to XXXX which was never returned to my available credit. I went to the store where these were returned and they said that I needed to contact Bread/ Comenity credit card to make a dispute. 

This company has no direct email address and utilizes outsourced " customer Service '' agents to which I contacted multiple times. Each time, I'm assured that this transaction would be reflected on my next statement this has never happened nor was I given a proper dispute # that was promised via email. 

Additionally, I made a purchase ( online ) in XXXX in the Amount of {$68.00} which was never received although they said it was delivered. 

I have made multiple attempts to pay what I do owe online and each time, the website says I can not make a payment at this time and I have to call in. 

I have since accrued additional late fees and interest because of this and this has been reported to credit bureau. 
Please advise XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of extreme concern and frustration regarding the persistent issues I have faced in removing a late closed and charge-off status on my financial records. 

Despite my repeated attempts to address and rectify these issues over the past several months, the challenges persist, negatively impacting my creditworthiness and causing significant stress. I am seeking your immediate attention and resolution to this matter. 

Here is a summary of the steps I have taken to address these issues : I understand that resolving such matters may take time, but the prolonged nature of this issue has led me to escalate the situation formally. I kindly request a thorough and expedited investigation into the root causes of these problems and the implementation of corrective measures to rectify and remove the late closed and charge-off status promptly. 

If there are specific documents or information required from my end to facilitate the resolution process, please communicate those requirements at your earliest convenience. I believe in fair and accurate reporting practices, and I trust that Credit Bureaus will take immediate and necessary steps to address and rectify these issues. I am asking for your assisstance to remove these accounts in my credit file : XXXX. XXXX XXXX  XXXX Balance : {$0.00} - Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXX. XXXX XXXX Balance : {$810.00} - The limit to this account was a fraction of the amount due it as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER. 

XXXX. XXXX XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not recall ever having a legal obligation with this company nor do I believe one exists. Please provide me with verifiable proof this account belongs to me. I request a signed contract which is the ONLY LEGAL authority that stipulates an agreement. Please remove it.
Product: Mortgage

Hello Firstly, we ( XXXX and XXXX XXXX ) have been in negotiations so refinance our rental property XXXX XXXX XXXX XXXX, XXXX CA XXXX with Chase. 

They sent us documents for the wrong property and included our daughter XXXX XXXX as a co signed. 
This was never authorized or discussed. 

Currently we signed and agreed to submitted paper work two weeks ago and kept our copies.

Now we have received the loan agreement in the mail today and the interest rate has changed from what was originally signed. 
Chase has denied no negligence and XXXX XXXX has been inconsistent and hard to reach for each problem.
Product: Debt collection

XX/XX/2015 I filed a XXXX complaint against XXXX XXXX ( now twice ). First time they kept taking unauthorized payments out ( triple charging my account ) and kept getting notices that I did n't pay them. It was finally resolved that they would {$0.00} my debt due to the inconvenience they were causing. I get a collections notice XX/XX/XXXX from a different agency saying I owe {$140.00} on one of the accounts I should n't have to owe and the original creditor ( XX/XX/XXXX ) was demanding {$390.00} for the other account I did n't have to owe on. After the resolution on the XXXX complaint I NEVER heard back from this agency. I filed another complaint XX/XX/XXXX and the XXXX agent I was working with never heard from them and were not responding to communication. Today I get a voicemail from one of their agents saying he needed my address to send a refund check. I call him and he 's going around in circles, not listening to me, unwilling to understand what I was telling him. Playing recordings that I could n't even understand because they were so garbled over the phone. He used a tactic that 's appalling to just harass me. At this point XXXX XXXX has caused so many problems with my service connected anxiety and have wasted my time over and over again. They have shown their lack of professionalism and their willingness to use deceitful tactics.
Product: Money transfer, virtual currency, or money service

Last XX/XX/2021, they permanently closed my Paypal account without any clear explanation at all. There were no refund requests or chargebacks or whatsoever. The account is clean. They closed the account for a reason that is baseless. Then on XX/XX/2021, Paypal took my remaining balance of only {$140.00} without my permission. I was expecting to withdraw my money after six months then they just take it away. I want my money back and remove the linked bank accounts and bank cards from my Paypal account. I am also worried that Paypal might steal the money on those bank and credit card accounts in the future. I am really worried. Please help. I badly need help. Please ... ... ... ... .HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair Credit Reporting act 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 XXXX XXXX. 

as Violated my Rights. 

15 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 written instructions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks
Product: Credit card or prepaid card

I get new card cash wise credit card yesterday, every transaction declined or to make purchases I need to call everytime
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and credit cards open on my behalf. 
I made a identity theft report and forwarded to all 3 credit bureus as well as the furnisher of the account. 
I asked XXXX, XXXX  and equifax to block the account due to identity theft. 
XXXX  blocked the account, however a week later reported the account back. 
Once again -this IS FRAUDLENT ACCOUNT AND ALL 3 CREDIT BUREUS HAVE SUPPORTING INFORMATION, SENT BY ME! 
PLEASE REMOVE AND BLOCK FROM MY CREDIT REPORT! 
THE ACCOUNTS IS QUESTION IS XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed these iteams. And nothing has happened..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 

The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX 15 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 an account without my written instructions.

15 U.S.C 1681c. ( 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 which antedates the report by more than seven 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, and XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A and 602 B. States I have the right to privacy and accuracy within my credit report. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

On XX/XX/2022, I sent letters to XXXX, XXXX, and Transunion about inaccurate information that was in my credit report and as of today XX/XX/2022, inaccurate information is still in my credit report including my year of birth, spelling of my name, and former addresses, along with the information from this XXXXXXXX XXXX XXXX company.
Product: Debt collection

XXXX XXXX XXXX - Opened XX/XX/2018 - amount of $ XXXX These were fraudulent charges placed on my report I've never had XXXX XXXX as a provider and did not give permission to use my Credit Info . The Company did nothing when notified about the issue.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have called the collection agency several times informing that they are reporting the wrong amount. My credit originated with XXXX XXXX XXXX   they have charged off account with XXXX however, LVNV is fraudulent reporting XXXX I have Dispute this charge with XXXX XXXX, XXXX, XXXX and they concluded an investigation and updated my files with the same XXXX disputed. LVNV is conducting an investigation of there own however no update has been posted,
Product: Credit reporting, credit repair services, or other personal consumer reports

Through XXXX XXXX, Transunion shows that I have an auto loan from XXXX XXXX XXXX in collections with a XXXX XXXX XXXX  XXXX. You can see on my XXXX that this account is closed. Transunion refuses to remove the collection from my report. XXXX XXXX is clearly a scam based on a simple XXXX  search.
Product: Credit reporting, credit repair services, or other personal consumer reports

P1.Good morning. I 'm in the process of buying a home. Talked to some lenders ; they pulled my credit. In connection with the pre-approval/pre-qualification process, I get the " Notice to the Home Loan Applicant. '' The last full paragraph states that, if I have  questions about the credit score or credit information, to contact the agency at the contact information below. <P/>P2.I contacted " Transunion Consumer Relations '' on XX/XX/XXXX at the number given to find out more about the " key factors that adversely '' are affecting my credit score. Transunion listed 4. The XXXX provided does n't get you anywhere close to talking to someone. It is just a number to get a copy of your report. That is the first problem. <P/>P3.I searched Transunion 's website for a number to call to talk to someone. I called XXXX ( on XX/XX/XXXX ) to ask about the factors these factors. I first spoke to XXXX XXXX who stated someone else would have to handle my questions and transferred me to XXXX XXXX, who initially did not want to provide a last name or an employee ID. I started asking my questions generally ; she said I had to talk to a supervisor. The supervisor was not available, so she was stuck with me. <P/>P4.Insufficient Length of Credit History - I asked her what this means since I have had credit since the early XXXX 's. She could n't give me specifics about this, only guessing that it " could be '' this account or another account. I asked for specifics, but she kept recycling the same response. <P/>P5.Proportion of Revolving Balances to Credit Limits Too High - I thought this could be easier since it is talking about proportions ( a different way of referring to a percentage ). I asked her what is too high so I know for future references and can better manage my credit. Again, same canned response without any specifics. I terminated phone call. <P/>P6.The other two factors are " Amount Owed on Revolving Accounts is Too High '' ( again, what is too high? ) and " Proportion of Loan Balances to Loan Amounts is Too High '' ( again, what is too high? ). <P/>P7.I attempted to find answers to my questions on Transunion 's website but I could not locate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help to resolve this matter because it s illegal to report these accounts without my written signature.