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

On XX/XX/2022, I made my first purchase on XXXX XXXX credit card. This card was promoted by Synchrony Bank. The promotional offer was for 10 % discount on initial purchase. 
The XXXX XXXX store where the purchase was made told me the 10 % discount would be applied by the credit card company. 
On XX/XX/2022, I called Synchrony Bank to inquire about the 10 % discount. I was asked if I disputed the balance, I said " Yes ''. They responded that the account was now " in dispute '', and I was not required to make payments until dispute was resolved. I was told this could take up to sixty days. 
Around XXXX XXXX XXXX I received a message from Synchrony Bank. The message was a copy of my purchase receipt. No words, no explanation. 
I ask Synchrony Bank why I was being billed since the account is in dispute. I was again informed that no payment was due, and that they were investigating my claim. 
Subsequent e-mails and chats have produced no response to my claim. 
Currently I am receiving daily electronic notices and snail mail notice that " LATE '' charges have been levied against my account, as well as " INTEREST ''. 
As of today, I have not received a statement with the correct amount listed. 
Synchrony Bank offered a 10 % discount to open this account. This discount has not been applied to my balance. 
I believe this offer was not made in good faith. Synchrony Bank never intended to reduce my balance by 10 %. The tactic they are using - charging late fees, charging interest fees, are a part of their program to intimidate me to just pay and be quiet. 
I have told Synchrony Bank that I will make payment in full when they provide me with a statement that reflects all purchases and discounts that I am entitled to. 
Please look into this matter.
Product: Credit reporting or other personal consumer reports

My information was used on other websites that I didnt give permission for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made over XXXX dollars in payments, and company refuse to change my balance.
Product: Credit reporting or other personal consumer reports

I

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Notice of Violation of 15 U.S. Code 1681o Negligent Noncompliance Dear, I am writing to formally notify you of a potential violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681o, which addresses civil liability for negligent noncompliance. I have reason to believe that [ Company Name ] has failed to comply with its obligations under the FCRA, resulting in harm to me. 

Details of the Violation : On XX/XX/year>, I reported id theft issue with XXXX XXXX 
Despite my request, failure to investigate a dispute, This failure to act in accordance with the FCRA has caused me harm, including [ describe harmfinancial loss, emotional distress, denied credit, higher interest rates, etc. ]. 

Under 15 U.S. Code 1681o, companies that negligently fail to comply with the FCRA are liable for actual damages sustained by the affected consumer, as well as the costs of legal action, including reasonable attorneys fees. 

To resolve this matter, I request that you [ state your demande.g., correct the inaccurate information, provide a written explanation, compensate for damages, etc. ] within [ reasonable timeframe, e.g., XXXX or XXXX  days ] of receiving this letter. If I do not receive an appropriate response within this timeframe, I will consider pursuing legal action to enforce my rights under the FCRA. 

Please provide a written response confirming your corrective actions or position on this matter. I appreciate your prompt attention and cooperation. 

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

I paid off loan in XX/XX/2015 and the status on my credit reports all of a sudden is showing 60 days past due. I filed a dispute with credit bureaus and they continue to report in accurate information. I reached out to XXXX and they are saying they are reporting the correct information. I also reached out to credit bureaus and they are telling me to reach out to XXXX to have them change information.
Product: Mortgage

My mortgage loan was with XXXXXXXX XXXX, Monthly payment of {$2600.00}. 
Sun Trust ( now Truist ) purchased the mortgage. The " annual " Hazard Insurance ( homeowners ins ) payment of {$1000.00} was due XX/XX/XXXX, however prior to that date my insurance agent and I had re-analyzed my homeowners insurance and the annual premium payment was going to increase to {$1100.00}. We ( The insurance agent and I ) had 3 joint phone calls with Sun Trust, advising that the premium was increasing and Sun Trust would receive an additional bill of the difference between the {$1000.00} and the {$1100.00}. Sun Trust then paid the {$1000.00} premium on XX/XX/XXXX. 

Then on XXXXSun Trust paid {$1100.00} instead of paying the difference of {$91.00} although we had spoken with their insurance dept 3 times. The homeowners insurance company finally refunded the overpayment of XXXX to me and I immediately returned the amount to Sun XXXX as an additional escrow payment on XX/XX/XXXX After paying the {$1100.00} in error Sun Trust immediately re-analyzed my escrow account telling me I now had an escrow shortage ( due to the {$1100.00} they had paid in error ) and immediately raised my monthly payment to {$2800.00}. I contacted Sun Trust and explained their error, however they would not re-analyze the escrow account. 

On XX/XX/XXXX Sun Trust ( this is the 3rd time ) again paid the full " annual '' homeowners insurance amount in the amount or {$1100.00}, making this the 3rd time in 3 months they have paid the full annual amount which is only due once!. I contacted Sun Trust again and filed a complaint immediately ( # XXXX ). Meanwhile Sun Trust immediately again re-analyzed my escrow account again telling me I have a shortage again and is raising my payment again, as they have now paid a total of {$2200.00} in error ( {$1100.00} + XXXX = XXXX - {$91.00} ). I have not received the overpayment refund from my homeowners as of today but will return the amount to escrow as soon as I do. 

Sun Trust has paid the full amount of my annual hazard insurance premium 3 times in 3 months and each time has failed to accept responsibility, has failed to re-analyze the escrow properly by deducting the amounts they paid in error, and each time has immediately raised my next mortgage payment to cover the " escrow shortages '' which they have created by their repeated errors. Due to this Sun Trust has raised my mortgage payment twice within 3 months to cover their errors. They are now requiring me to pay {$300.00} additional every month to cover their escrow shortage errors. 

In 3 months my payment has gone from {$2600.00} to {$2800.00} and now to {$2900.00}! 

My complaint with Sun Trust is being handled by an agency outside of Sun Trust who has no experience and can get no progress made with the escrow account re-analysis to discount both over payments. The " client advocate '' complaint agency can also do nothing to stop Sun Trust from raising my mortgage payments over and over to cover Sun Trust 's mistakes.

If I don't pay what they require my credit will be ruined- so I have no choice but to pay extra for their mistakes!
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX DOB is XX/XX/XXXXXXXX I'm writing this complaint in regards to a late payment on my credit report. An ex-spouse had opened a XXXXXXXX XXXX credit card in my name & it turns out there had been two late payments in XXXXXXXX The account has been paid in full & closed. I'm reaching out asking for the late payments to be removed from my credit report. I tried to resolve this issue previously. I have always been on time with payments & given that it has been almost 3 years & the account is paid off in full, I'm asking for a payment forgiveness & for the late payment to be off my credit report. I am open & willing to answer any questions. thank you for your time!
Product: Debt collection

USAA federal savings stated I opened an account on XX/XX/year> and that the balance is XXXX I have never took out a loan with this company they have threatened to repossess my property and my money I have asked for a proof of this but have not received any information in return please help me its harming my credit profile and really destroying my life and well being Im afraid that this is impacting my life drastically
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has led to several unauthorized items being added to my credit report. These include XXXX accounts and XXXX inquiries that I did not authorize or initiate. These entries were made without my knowledge or consent. 

FRAUDULENT ACCOUNTS : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 I have already reported this identity theft to the Federal Trade Commission ( FTC XXXX XXXX I am requesting the immediate removal of these fraudulent accounts and inquiries from my credit report to restore its accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of buying a new vehicle due to my family growing. As I was in the dealership I searched for the car I wanted and sat down with the salesman to see what type of interest rate I could get. As my credit got pulled it was almost impossible to get a low interest rate with the maximum of items on my report that are not mine. Can you please remove these items from my report. 

XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX  XXXX {$410.00} XXXX XXXX XXXX {$9100.00} XXXX XXXX {$0.00} XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX  XXXX {$12000.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX {$78.00} XXXX XXXX XXXX XXXX {$83.00} XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, and XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : a. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include A. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above-referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my equifax report and notice their was a late payment reporting for XX/XX/2018. Although, this is 4 years ago I pride myself on having an exceptional payment history Im therefore requesting a removal of late payment. I have reached out to equifax and the website says 0 payments late however the payment grid still shows the late payment please help me
Product: Debt collection

I am formally disputing the accuracy of the information pertaining to the listed accounts on my credit report. Upon identifying discrepancies, I proactively contacted the creditor to seek validation of the debt. Regrettably, the creditor failed to provide any substantiating documentation. My primary concern revolves around the misrepresentation of the account in question, falsely categorized as a late payment account. I insist on the provision of concrete evidence supporting the claim of late payments. In the absence of such evidence, I demand the immediate removal of the negative payment status associated with this account from my credit report. Account Details XXXX XXXX XXXX XXXXXXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the XXXX XXXX XXXX XXXX ( XXXX ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit card or prepaid card

Thursday XX/XX/XXXX at approximately XXXX XXXX Eastern Time i was purchasing my son a baseball bat on AMAZON.COM - ( i made a mistake by falling for a SCAM - as Amazon and Chase " fake '' promotion ). 

They advertise that i would get 20 % off of the purchase if i apply & use the card. However, they defer / don't approve applicants with great / perfect credit. Their would be absolutely NO reason for them to decline me. 

They scammed me out of the 20 % / about {$100.00}. I am over it, but it drives me crazy as they TAKE advantage of population that doesn't understand how credit companies " get rich '' by consumers that consistently pay the 18 - 22 % interest. 

They know they will get the 20 % back " easily ''. 
So they move my application to a " pending '' status so they don't have to give me the 20 %. 

CHASE TAKES ADVANTAGE it's customers!!!!!!! 

My " feeling '' is that are targeting a select " group '' of consumers that have existing credit card balances with a history of making payments. They are " hunting '' for the people that they can XXXX interest out of. Meanwhile - they put the GREAT CREDIT / no existing high interest debt in a " we need more information '' bucket ... It's a SCAM / discrimination / fraudulent advertising, etc ... 

I am so mad that i was denied, as i have NOT been denied for anything in 20 years as i keep my credit impeccable ... Something is WRONG with this. 

It was an " Amazon Rewards Card '' run by CHASE BANK. 

Chase is the company that is scamming / not Amazon ... I don't know who to turn too ... 

Amazon Rewards Card telephone number ( which is really CHASE ) : XXXX
Product: Credit reporting or other personal consumer reports

Theres a bankruptcy entry on my credit report that I did not incur. I believe this could be the result of identity theft or fraud, and Im concerned about the negative impact this error might have on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX EXPERIAN MEMBER ID # XXXX FOR XXXX XXXX I called Experian credit reporting account on XX/XX/2019 to cancel both of my experian accounts, and I received an email confirmation of the cancellation, and yet I still continue to be billed {$24.00} a month. 

I called Experian several times, I explained the situation and tried to have them pull the call, and they refused to pull the call. Had they listened to me and pulled the call, they would have received the proof that I canceled the account. ( See attachment below. ) I am requesting that they issue me credit on my account from XX/XX/2019 {$24.00} x 3 months totaling {$74.00}. They have refused to refund me the amount, despite the fact that I provided them with proof!
Product: Money transfer, virtual currency, or money service

I was scammed by 2 different people taking money out my checking and savings account using XXXX transfers. Both transactions of {$1700.00} each were taken out of my account from 2 different people claiming to be from Bank of America fraud department. They even called from the " XXXX XXXX Bank of America fraud phone number XXXX.
Product: Debt collection

I wrote them a letter more than 30 days ago and asked them to verify a number of things and to get back to me within 30 days. They failed to do any of this and are still reporting and trying to extort me for federal reserve notes.
Product: Debt collection

I am very concerned regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. I have Collections, charge offs and inaccurate personal information reporting on my credit I also have loans that are not mine that reached it statue of limitation seven years of reporting please remove immediately. The Act specifies that you must document your reasons for requesting my report and, when in error, remove them as well. I am depending upon XXXX to follow the statute : Either provide documentation that the law was followed by researching the matter at once, or remove these offending collections, charge offs and inaccurate information as soon as possible. According to FDCPA all negative items are no longer allowed to be reported to any of the credit bureau, I have not got contacted about these matters so Im asking that these items be removed immediately.
Product: Student loan

I ha ve   XXXX   l oans with Fedloan Servicing, they are reporting late on my credit report for  XX/XX/XXXX  and  XX/XX/XXXX , they finally put them in forebearance in  XXXX   XXXX ! I was in an in school deferment and that ended in  XX/XX/XXXX , i did not receive a Notice of Deliquency in the mail or by email that my loans were back in repayment in  XX/XX/XXXX ! I tried to explain to Fedloan Servicing Reps that I believed that my payments were already in forebearance automatically for 6 months after school is out, as I am still a student and I have not graduated! On top of that, I never received a late notice, I received a call on the 89th day and the Rep said that they would do a complementary forebearance to cover my period of delinquincey while I waited to receive my forebearance information and send it in, after i finally receieved the forebearabce information I was reported 120 days late which i just found out about this year when checking my credit report! I have never been late since  XX/XX/XXXX , and due to mis communication and lack of me receiving notices, fedloan will not remove delinquencies!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I received a text from an existing thread used by Wells Fargo many times in the past asking if I had attempted a XXXX XXXX transfer for XXXX dollars. 
I responded no to the text as I have done many times in the past. Within 30 seconds, I received a call from the Wells Fargo customer service number on the back of my debit card. 
The caller said that he was from Wells Fargo and was responding to attempted fraud using my XXXX account. He then proceeded to walk me through a charge reversal procedure to ensure that the funds would not be send via the attempted fraud. I was walked through XXXX transactions for XXXX and XXXX dollars. I was instructed to use WF for the first name of the transaction for Wells Fargo and XXXX for the last name, my first name to send the money back to my account. I was sent verification codes from existing threads that I have used during transactions through Wells Fargo and XXXX before. I entered the verification codes as instructed and was told that they would monitor my account for 48 hours to ensure the safety of the transactions. I immediately called Wells Fargo and was told that it was indeed fraud and opened two cases but was told that I was probably too late. 
The next morning, the fraudster called me again and said that he was following up on the fraud case and asked me what happened. I told him my story and he very sympathetically asked if he could log into my account and ensure that my alerts were set up. I asked him for the case numbers and he immediately hung up.

I have filed 3 different claims with Wells Fargo and have gone all the way up to their executive division and have been told every time that because I authorized the transactions, there was no recourse. 
I have even had a lawyer draw up a letter with documentation of the phone calls and texts showing that the numbers were Wells Fargo numbers that I responded to and that I expected a refund of my money, once again I was told that they were not interested in helping me, a 30 plus year customer of Wells Fargo. 
Since this occurrence, I have received many calls from Wells Fargo numbers attempting the same scam over again. 
I have no confidence in banking with Wells Fargo when I can not be certain if anyone that I am talking with is in fact my bank. 
I truly feel that Wells Fargo should share in the responsibility of this occurring to me and thousands of others across the country. If there is no security in one of the largest banks in the world towards their identity, how can I as a customer have the confidence that my funds and identity are safe. 
XXXX dollars is a month 's wages that I lost because I had confidence that my bank was looking out for me, and I can not afford for this to happen. 
This has caused a great deal of hardship, anxiety and expense to me and my wife and I feel violated and cheated by of course the fraudster, but also let down by Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian about a fraud account and I provided a FTC report and the item is still on my credit report for XXXX XXXX XXXX. I have requested that they provide me with the information they were provided to verify this account as accurate and they have failed to do so.