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

I opened a XXXX revolving line of credit in amount of {$10000.00} in XXXX. I paid the required bimonthly payment of {$260.00} for 16 consecutive months ( debited automatically from my checking account ). After 32 on-time payments, I contacted XXXX to inquire why my balance continued to go up even though I was making on time payments. I also inquired about making a lump sum payment to pay off the account more quickly. It was at this point that I was told that my interest rate was nearly 50 % and that I was not allowed to make a lump sum payment on the account unless I paid the entire balance of {$11000.00}. At this point, I realized that this was the typical predatory loan that was designed to hurt consumers rather than help consumers in need. 

At this point, I contacted and contracted with the XXXX XXXX XXXX to settle this account. I had already re-paid about {$8000.00} on this loan in 16-18 months however my loan balance was increasing. The XXXX XXXX XXXX was able to arrange a settlement agreement on the account for about {$4100.00} ( on top of the {$8000.00} I had already paid ). The agreement stated that I was suppose to make monthly payments of {$250.00} for about two years. I paid the entire {$4100.00} settlement amount off in 4 months. A stipulation of the settlement agreement entered into by the XXXX XXXX XXXX and XXXX was that no payments would be reported late once the contract was formed and executed. XXXX breached the contract with the XXXX XXXX XXXX by reporting my payments late to all credit bureaus during XX/XX/XXXX - XX/XX/XXXX. The contract clearly stated that no payments would be reported late as long as I made my payments on time to the XXXX XXXX XXXX. The XXXX XXXX XXXX promptly paid XXXX each month on time yet XXXX still reported that my initial {$500.00} obligation to them was late even though they contracted to accepted the settlement monthly amount. 

I have contacted XXXX on multiple occasions to request that all late payments during the settlement agreement period be removed. They indicated that the no late payments were to be reported during the settlement period provided that payments were made yet late payments were reported. Please have all 5-6 of these late payments to XXXX deleted from all of my consumer reporting agency reports XXXX Equifax, XXXX, and XXXX  XXXX. Please report this account as a positive paid on time account. This has negatively affected my ability to establish credit, purchase a car and purchase a home.
Product: Credit reporting

I have noticed that I have multiple hospital bill on my credit report when I started the process to buy a home after careful inspection I known that the bill are not mine. I have had this problem before where someone has been using my information at the XXXX and receiving services under my name. I have disputed them with all three credit agencies and Equifax is the only agencies that has not removed them. The other agencies stated that there was not valid proof that the bill belonged to me. I am not sure how to go about this, I called the XXXX and asked how they verify that the patients is really the patient that are receiving services and they stated that the person has to give a name and a DOB. This process needs to be changed I 'm sure I 'm not the only person that this has happened to and I do n't know how to get information so that I can prove that it was not me whom received the services. And why is it that these collectors could not validated information to the other XXXX credit agencies but they could validate the information to Equifax
Product: Debt collection

I found out my wife 's company is going to layoff workers. My wife is the most recent employee to join the company. 
I asked my loan institution ( Mariner Financial ) for deferment of term loan. 
They denied my my request.
Product: Credit card or prepaid card

I am a consistent shopper on Amazon.com. On XX/XX/XXXX, I was prequalified for an Amazon store card. XXXX, I applied for the credit. Synchrony Bank, then refused to approved me, although my credit meets the requirements for approval, because they then, required me to use a link and upload my identification card and a video of myself. I refused because this is very dangerous and unsecured. This is an invation of my privacy! No other Bank requires this! Everything I put in the credit application was valid and accurate to my credit file. 
Then Syncrony Bank required me to fill out an affidavit on identity & have it notarized by a bank or credit union and fax it to them. I did. 
When I called them to follow, they refused to approve me because they claimed it would take XXXX business days to review my fax. This is not legal and must be stopped. My application needs to be approved immediately. It's been 2 days. This is a form of punishment because I refused to allow them to invade my privacy. 
Synchrony, usually have overstepped your boundaries. 
No company that furnishes information to my credit report has ever been required to provide my identification card nor any videos of me to prove my identity. Therefore, neither should I, the consumer be required to do so. 
Credit approval is not based on whether or not you upload your identification & a video of yourself. 
I did not request, nor do I need any protection, when I accurately provided all information, required to obtain the store card. 
Synchrony Bank, I do not want my likeness saved in your databases. This is not secure nor required for credit. 
Synchrony Bank, I demand that you approved my Amazon Store card or fact legal action. You have XXXX calendar days to comply. By the way, according the Federal Consumer Laws, to be factual, I'm extending you credit. 

Warm Regards, XXXX XXXX
Product: Prepaid card

On XX/XX/year> I made a purchase from a website for {$76.00}. It turned out the site I was on was not the actual site, but a copy of the site with a slightly different URL and was scamming people making them think they were on the actual site. I contacted Cashapp and filed a dispute. Cashapp informed me my dispute was denied because " it appeared the merchant fulfilled their obligations for the goods and services '' They did not, and is cashapp would have actually investigated they would know this. I requested an appeall from Cashapp and was informed that " They do not do appeals.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX
Product: Checking or savings account

Good afternoon, I'm writing for your help because currently TD bank North of MA freeze my account and held my account up bc they claim i deposit funds that were paid to me but not honor as they claim it seems fraudulent although they call the sender to confirm these. It's being held up for 14 days causing me to bounce my automatic payment, mortgage to become in default as i was trying to cure the debt since XX/XX/2022 The y have held my funds since {$5100.00} checking {$5000.00} savings {$11000.00} biz checking I have paid in fees due to the fact that my account is block {$3500.00}, now my mortgage is foreclosure totaling XXXX due immediately I also, lost money by fees {$320.00} business banking
Product: Credit reporting, credit repair services, or other personal consumer reports

They're reporting me as late even when I'm not that's why I want you to look at the documents that I've attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$0.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$0.00} XXXX  XXXX XXXX  XXXX Date XX/XX/XXXX Balance {$17000.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Website is https : //www.equifaxsecurity2017.com/potential-impact/, company is Equifax. Date is XXXX XXXX  2017.
The website says it would tell you how you were affected and give you an option to opt-in to XXXX XXXX. It does neither after this happened over a month ago. Its both false advertisement as well as enrollment without consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$15000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of credit report below.

15 U.S.C 1681 section 602 A. States I have the right to privacy This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Checking or savings account

I have had my account charged an overdraft fee multiple times for the same instance on multiple occasions. On XX/XX/XXXX I spoke with a PNC representative about the multiple charges and was assured that the multiple instances were for charges that were already pending and would not occur more duplicate charges, I then received 3 duplicate overdraft charges the next day totaling {$100.00}. 

I was also given 2 overdraft charges for the same {$16.00} charge on XX/XX/XXXX. I again spoke with a PNC representative, was escalated and called by by a supervisor, and was told that the first charge was for a {$94.00} charge the previous day, however even their own account software shows that I had a positive balance that day. The PNC representative then tried to explain to me that I could avoid the charge by improving my spending/saving, and while I agree that it would have prevented the issue, that is unrelated to the erroneous charges and the PNC supervisor would not address them.
Product: Debt collection

Nationwide Recovery Systems initiated an attempt to collect on a debt in XX/XX/XXXX in the amount of {$500.00}. I have statements through XXXX ( page 2 of the attached PDF ) providing proof that I paid this debt in the exact amount that theyre requesting as of XX/XX/XXXX. Theyve been unable to prove that I have any other outstanding debt, as the original was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX fraudulent charges. 

XXXX ) XXXX XXXX credit card : A charge in the amount of {$570.00} was made on my XXXX XXXX card at their XXXX, IL store. I notified XXXX XXXX on XX/XX/23 and received a letter dated XX/XX/23 via email concerning the fraudulent charge. The letter states an investigation is ongoing and will be notified in writing of the results. XXXX  IL is about XXXX miles from my home in XXXX, IL and I have never visited this location. I closed the account on XX/XX/23. 

XXXX ) I pulled up my credit history via XXXX credit services on XX/XX/23 and noticed a charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00}. They advised the account was opened on XX/XX/23 but could not tell me where the charge was made. They do not have an open account with my name associated with an account. I cancelled the so called account with charges and advised they are fraudulent on XX/XX/23. They will send me a letter and I asked their their fraud protection personnel call me to discuss where the charges were made.
Product: Credit card or prepaid card

I had a credit balance on my business credit card. I asked CapitalOne to move the credit balance of {$3800.00} to my CapitalOne checking account in early XXXX. They sent me a check instead but put it in the name of the business that I have no checking account for. I called them and asked them to put the check in my name. They then said they have to stop payment on the check and it would take XXXX business days to get me a new check and it should be there by XX/XX/XXXX. Once again, I requested that they put the funds in my CapitalOne checking account. They didn't. They sent the check to wrong address. On XX/XX/XXXX, I called again and they said they had to stop payment on the check that was returned and it would take another XXXX business days but this time they would put it in my CapitalOne checking account. Today, XX/XX/XXXX makes it 9 days since they promised to put the funds into my checking account so I called and they said even though the supervisor requested XXXX, they made another check and it was mailed on XX/XX/XXXX and It will take additional XXXX business days. They refused to give me another supervisor. They have had my {$3800.00} for more than a month. They ruined my XXXX for my family.
Product: Credit reporting or other personal consumer reports

Request for Removal of Collection Accounts due to Violation of Consumer Laws Account Numbers : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Entities in question have not yet addressed and persist in reporting inaccuracies. Additionally, they have neglected to furnish requisite documentation validating the debt. Should you be unable to furnish the original agreement bearing my handwritten signature, the debt must promptly be DELETED, or legal action will be pursued To Whom It May Concern, I am writing to dispute the above-referenced collection accounts that are currently reported on my credit file. Upon review of my credit report and the records pertaining to these accounts, I have found discrepancies and practices that I believe violate several consumer protection laws, specifically the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, consumers have the right to dispute and demand the validation of debt information that they believe is inaccurately reported. 

Despite my efforts to resolve these discrepancies, I have either not received adequate validation of these debts or found that the practices used to collect or report these debts violate the aforementioned acts. In light of these violations, I am requesting the immediate removal of these collection accounts from my credit report. 

Failure to comply with this request and to provide evidence of your compliance with all relevant consumer protection laws will leave me no choice but to consider further actions. This may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel to explore potential claims under the FDCPA and FCRA for any damages incurred
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$280.00} XX/XX/XXXX UNKNOWN XXXX {$140.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX XXXX  XXXX XXXX {$2300.00} XX/XX/XXXX UNKNOWN XXXX {$72.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Our family decided to buy a special/rare breed of an hypoallergenic kitten to the isolated XXXX child in the house during the covid-19 pandemic, so we found a " breeder '' on a XXXX group and he offered a certain price ; he seem to be reliable while sending videos and pictures of the animal, always asking questions about our possibility to raise the kitten in a safe environment, always giving vivid details and constantly mentioning XXXX. Costs started to grow out of control, and every time we refused to send more money, or stop the agreement, through intimidation ( animal endangerment, going to court, etc ... ) the " seller '' would get more and more from us. Shipping confirmation was sent with the promise of a refund in case of no delivery, and we never received neither the kitten nor the refund. He still asks for money ( we already notified the local police, XXXX and our bank about it ). We hope to have our money back after all the stress and trauma caused. Thanks, XXXX XXXX.
Product: Debt collection

This company LVNV, Resurgent still continues to report on my credit by continuing to violate my consumer report. I have now filed a police report and ftc report and attorney general report. Your companies continue to pass my consumer report amongst each other extorting my credit causing harm against me without proof of any kind. Be advised pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g you failed to provide validation. Now I am sending you a cease and desist next will be legal actions. You have been reporting invalidated information to my credit bureaus ( XXXX, XXXX, or XXXX ) this action now constitute fraud under both Federal and State laws. Due to this fact if any negative mark is found on my credit reports upon receipt of receiving this notice. Any company you represent, any attorney that represents you or the companies that are attach to you or that represents you. I will not hesitate in bringing legal action against you or any parties. Let me remind you, you have been also in Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. Cease and Desist of reporting anything on my consumer report. Also from selling my signature or any information of mines to any other companies, Any fake Attorneys or any other companies that are tied to you.
Product: Credit reporting or other personal consumer reports

I have sent over 10 FTC reports in to Transunion and Transunion has REFUSED to remove these accounts from my credit report. They always say the company has 30 Days to respond. The companies dont respond in 30 days and Transunion still refuses to remove these accounts. This is a violation of my Georgia consumer rights and Georgia state law. This is also a violation of the FCRA. Transunion is intentionally defaming my credit and reputation in return for a profit from third party vendors they sell information to for credit marketing for their companies. These accounts need to be removed from my credit. They have prevented me from buying a house for the last year now. I am being taken advantage of by Transunion I have no help and they are putting my life on hold. These accounts need to be removed from my credit report immediately.