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

In Accordance with Fair credit reporting act XXXX  accounts 1. CXXXX XXXX XXXXk- # XXXX XXXX, XXXX, XX/XX/XXXX 2.XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX 4.XXXX  XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX 5.XXXX XXXXXXXX, XXXX, XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX 7.XXXX XXXX XXXXXXXX XXXX, XXXX, XX/XX/XXXX Has violated my rights. Recently I reviewed my credit reports and found the above inaccurate late payments. Per FCRA 15USC 16811 All unverified and inaccurate information must be promptly DELETED. Please provide me all information your bureau used to verify these inaccurate late payments. Noncompliance with this request for deletion if you can not produce XXXX XXXX COMPLIANT EVIDENCE will force my legal to file with FTC, ATTORNEY GENERAL of Alabama along with any further legal action we deem necessary including but not limited to civil and punitive damages.
Product: Credit card or prepaid card

I have a credit card account with Bank of America and paid the balance in full according to their website {$2900.00} on the due date of XX/XX/18. I wanted to pay the balance in full and close the card. I went to check today to ensure it was a XXXX balance before I called to close the card and it's now showing I have to pay an interest charge of {$49.00}. Of course there is no way to contact their credit card customer service online you can only call their XXXX number. I called waited on the line for 15 min to speak with someone who then told me that this interest charge was interest from the date the statement cut until I made the payment. However, I disagree and thing this is misleading as when I made my payment on their website I paid the balance in full as they had shown. Also it even states on the website under my interest charge the following 'If your credit card is used for retail purchases only, has a grace period and is paid in full each month by the payment due date, then you will avoid paying interest on those purchases. If you pay less than the full balance, pay after the payment due date, or if your credit card does not have a grace period, then you will pay interest on those purchases. ' I paid the balance in full! If that's not the case then this is completely misleading. I made the {$49.00} payment just to ensure I won't keep getting charges. I ultimately want a refund for this payment and to close the account. The customer service rep stated there was nothing that can be done which is why I'm filing a complaint. Their website is misleading and I paid the balance in full as shown so as such should not have been charged additional interest.
Product: Debt collection

Don't remember using optimum ( ( XXXX XXXX XXXX XXXX and never was contacted my car got broken into before and my is and social was stolen
Product: Credit card or prepaid card

I returned the XXXX drum machine back to the store was credited the amount. I opended a dispute and it was ruled in the merchants favor and I do not understand why when I showed that the merchant credited the amount back to my card. I opended the dispute in XXXX and took until XXXX to get XXXX to tell me that it was ruled in the Merchants favor. This time frame is unacceptable. I called your customer service in XXXX and Reopened the case. The rep assured me this was taken care and issued me refund for {$36.00} for a payment that posted to to you from my acct. I get a notice on XXXX that a payment is due again when i should have no payment due because its in dispute. I stay on the phone with XXXX different reps only to find out the rep that assured me in earlier XXXX the she opended the case never did. I had to refile the dispute. This process has been mentally draining... I am not happy at all. I am going to file a complaint with the XXXX  and Consumer Protection. I need a permanent credit placed on my Acct ASAP
Product: Debt collection

Portfolio Recovery violated federal consumer protection laws meant to protect me in two ways : First, by demanding payment of a debt via credit reporting that Portfolio Recovery couldnt prove was valid ; and by failing to verify the accuracy of the information they reported to credit reporting agencies. I have never owed a debt to the company they are alleging ; moreover, by inserting a collection item on my credit report, they are attempting to collect a debt - a debt that they have not sent a dunning letter for. The Massachusetts AG, along with countless law firms, have brought successful legal actions against Portfolio Recovery for attempting to collect debts not owed and various misrepresentations, which is what is happening to me. I have already filed a complaint with the Indiana AG and am researching legal remedies for Portfolio Recovery 's unwarranted attack on my credit, my character and for violations of FDCPA and FCRA.
Product: Credit reporting or other personal consumer reports

to whom it may concern at the corporations known as XXXX XXXX XXXX and XXXXXXXX XXXX it has come to my attention that my consumer report has reports that i have an account with your agencies and that the alleged debt was closed or charged off please send me the 1099C that I did not receive that your agencies filed.

on my credit report is shows that you filed Under the FCRA I can seek statutory damages if a creditor furnishes inaccurate information about a " debt '' such as incorrectly reporting a charge off while still claiming I owe the debt. 
I lawfully demand that you cease and desist from reporting on my consumer report from this day forward XX/XX/year>
Product: Credit card or prepaid card

On XX/XX/22, an automatic payment was made to my Amazon Credit Card maintained by Synchrony Financial in excess of {$7000.00} ; normally the payment to this account is under {$1500.00} so I was not expecting this large an amount and my checking account was overdrawn. I contacted both my credit union ( XXXX ) and Synchrony Bank to determine how best to resolve this situation ; I was more than able to make a payment for this account but needed to promptly deal with being overdrafted by almost {$3000.00}. I had hoped that Synchrony could return some of this payment electronically, but they indicated they could only do this by sending me a check which would take more than a week. The person I was speaking with at Synchrony told me to contact my bank to have the payment reversed. 

At this time, I was unable to make a payment from my checking account since it was still over drafted, so I added the account information from my XXXX XXXX  account in order to make a payment on the account as quickly as possible. Several days later, however, this payment attempt showed as having failed ( Synchrony has not provided any details as to why ) ; by this time ( XX/XX/22 ), I was able to make a payment from my checking account. 

I found out over a month later this account had been closed. The agent I spoke with ( XX/XX/22, XXXX ) said it was because of two returned payments. I pointed out the I returned the payment based on the recommendation of the bank, and the second payment was not returned since she indicated it could not be processed ( " splitting hairs '' according to the agent ). When I asked her who I needed to speak with to correct this, she said anyone attempting to re-instate my account would be fired. 

At the very worst, I was ten ( 10 ) days late in making my payment, and this for an account that had never had a late payment. Closing my account because of an oversight on my part- which I promptly corrected - and an error which Synchrony can not explain or provide specifics how it would impact my account, is an unreasonable reaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not updating my credit score I have several accounts and for the past few months on myequifax.com it been the same credit score for MONTHS and i want my credit score refreshed and updated i always have issues with equifax its bad enough they not reporting my XXXX XXXX  with a XXXX limit at all but XXXX and XXXX are reporting it CORRECTLY I ENCLOSED MY MORTGAGE AND MY LICENSE SO YOU ALL WONT SEND ME A STALL LETTER
Product: Debt collection

I recently discovered three debt items on my credit report from AMEX, which I do not recognize. 
On XX/XX/year>, I sent a debt validation dispute letter to AMEX XXXX XXXX XXXX in XXXX XXXX, FL XXXX, requesting validation of the debts as per 15 U.S. Code 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I included a copy of my drivers license and Social Security card to verify my identity. 
Despite this, I did not receive any response or notification from XXXX XXXX regarding my dispute. This failure to respond violates my federal rights under the FDCPA.
Product: Bank account or service

I I XXXX XXXX have a direct express debit XXXX card from Comericia Bank. I could n't find my card on XX/XX/2016 so I called direct express to cancel it but I could n't get through there phone kept saying they were busy and hung up a welfare worker also called she could n't get through either we called my balance went from XXXX $ to XXXX $ to XXXX $ because I could n't cancell it. They would n't tell me where the transactions took place how much said they send a paper in the mail never got it still. So I got paper from then that say if I file them out and they revived then by the 10 Bussniss day my card will get a provisanry credit for what I was disputing. I sent hard copy 's faced several copy 's here XXXX I faxed attached. The tenth day I called and they said first they did n't have my papered second they did they had all the faxes too I have q XXXX worker as a witness she was taking with me n directs express they had it all read the transaction amounts to us said my card would have money by XXXX XXXX. I called later that day to see if I had money yet and nothing so I asked when this other women says never. They closed your case I said why she said I did n't send my papers in. Then she said I did n the case was n't closed then she says it was then it was n't then the supervisor said I was not getting nothing I was a liar and a crazy and to bad for me. I call the police they never even called then to get any info for investigation at all so how can they not give my money back???? I 'm homeless I been XXXX because I had no place to sleep because XXXX did n't give me nothing back and it 's there fault there phones were down all that day and have been most days this month look up online you can see. I have rights they ca n't keep my monrh its XXXX law they have to give it back in 10 days that 's the law o need help XXXX with this not in a few weeks I calls u XXXX u did n't wan na rent my report I pray u do your job n help me call Comericia bank I 'm not the only one that 's had problems they were on the XXXX XXXX last month sane kinda thing and I 'm the liar??!! No I am not. I have XXXX calls recorded I had to I could n't behind the lies they were telling me XXXX supervisor told me to XXXX I get Ssi for a reason. I called a lawyer and he said let u do your job and if not we 'll I 'm XXXX but I still have rights n they said no one could hear is talk wgy they got to hide I no there lies, you need tu shut this place Down n it a bank thing it Comericia bank ok the card there the ones ok the end I not being jerked around I have XXXX XXXX to care for too really!!!! 
Thank u please help Md. I was in jail last year got out all my money was taken off my card then all and it was n't me but they wiujdbt even call the cops to see the cold nee who did it too but no they did n't care I do XXXX $ is a lot of money u need it tu b inside sleep. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was reported that i mixed 2 payments and the balance of my loan was reported wrongs as well i will want that to be corrected on updated on my credit reporting because i have filed a compliant in that regard. 
My Loan balance {$150000.00} -- -- -- -- -- -- -- -- -- -- -- -- {$270.00} Apply to the principal of my loan loan balance is {$150000.00} is my loan balance as of today. please stop reporting false reporting to my credit. 
and i want that corrected. because we had a deal that you said i don't have to pay and even at that the deal was fake but i still made my payments. you went ahead and reported false report to my credit. 
please don't get me in you false bank scam i don't want to be involve in that. i want you to report all my payment and you said that no payment was made which id a false claim too i paid over {$2800.00} IN XXXX AND XXXX alone.
Product: Bank account or service

I received a letter from Chase Bank telling me that they would close my checking accounts and home equity account in 30 days. I called the XXXX number Chase said in the letter to contact if I had any questions. The operator said that she could n't help me and told me to talk to a branch manager. I talked to a branch manager and he told me that he too could n't help me. My accounts are in good shape so I am very confused. 
One other thing, I recently sold my house and paid off my mortgage and home equity loan. I know that there is no penalty for early pay-off on loans but this certainly feels like it.
Product: Checking or savings account

I received a text message this morning which informed me that my online account I have with a bank has been frozen. The problem I have is I have never been or have been associated with Chase XXXX XXXX, but I have received information from this bank in the past due to my identity fraud report ; however, I have never received any information as of yet. 
The message I received this morning read : ChaseBank XXXX : -We have restricted your account until we hear back from you. visit : https : XXXX to resolve I do have an identity The message came from number : XXXX I do have an identity fraud report filed in XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i am XXXX years old. i started using credit at XXXX when i bought my first car and since have owned numerous credit card accounts - home loans - lines of personal credit etc.. for over 40 years - several years ago - my wife and i of XXXX years marriage - divorced and i closed all of my accounts - since then i have opened several accounts -so all of my current open credit is about XXXX years old - the problem is that the formula the 3 credit reporting agencies use to define the length of time i have had credit key on the oldest start date of all of my open credit accounts thus reporting that i have only had credit for a couple of years -- this is hurting my credit score as the time i am reported as having credit to my name is only XXXX years - this is not a good thing because it shows i am very new to managing credit. this is a flaw in the formula - i have had credit for over 45 years but they all three report that i have only had credit for a couple of years. i disputed this with all three but they will not change my score or the length of time i have managed credit. this is not a true representation and is hurting my score and causing me to have problems getting a mortgage. they need to fix this so the length of time is not a couple of years. this puts me in the same group as a teenager just starting out in life.
Product: Checking or savings account

I can not access my online banking. I have been waiting hours for my account to be accessible. As a consumer of td bank I dont believe I should have to constantly wait for the issues the company is experiencing technology.
Product: Money transfer, virtual currency, or money service

Commencing on or around XXXX XXXX, XXXX, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my Trust Wallet account to fraudulent investment firm ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit monitoring serives with XXXX XXXX, and received notifications of hard inquiries from the following financial institutions. 

Huntington National Bank XXXX XXXX XXXX XXXX, OH XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, DE XXXX I have not signed any documents authorizing these organization to view my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX 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
Product: Credit reporting or other personal consumer reports

In 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 XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX 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 XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

I recently checked my credit report on XXXX XXXX, and noticed an unfamiliar account that I didn't authorize nor open. 

Consumer Adj Co XX/XX/year> {$1600.00}
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have some unauthorized inquiries appearing on my credit report. 


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
Product: Credit reporting or other personal consumer reports

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatory information against me are false. I will fight back with all my strength! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report.The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
Product: Debt collection

XXXX XXXX says I owe them over XXXX for their truck driving CDL program but I worked for that company for months and they had me sitting around unpaid several times waiting for a trainer, waiting for a co-driver and just waiting for loads. I was underpaid and then I left 3 weeks before my contract was up because they kept leaving me stranded places while I was being unpaid and many miles away from home. They were sued in a class action lawsuit for this and for charging people for the school while under paying them. I believe I meet the requirements of the debt settlement and they were supposed to wipe away the debt of the many drivers they did this to. I complained to XXXX XXXX many times years ago when they first try to charge me with this debt and they ignored me. This debt is also over XXXX XXXX XXXX and they sold it to a debt collection agency and are now reporting it on my credit and its a debt thats over XXXX XXXX XXXX. I also think its an illegal debt. They were literally sued for this in 2020 and was ordered to pay debt XXXX XXXX for students that met them criteria. Which I should be included because I was a driver during those years, I drive through California multiple times and I was left sitting multiple times without getting paid and being forced to pay an unfair tuition that they well got their monies worth. The collection agency they sold this debt to was Debt Recovery Solutions. As a collection agency shouldnt they know about XXXX XXXX 's illegal attempts to profit off its student drivers and ruining their credit. They had a class action lawsuit, they should not be able to collect any student debt for the years listed in the class action. They were sued for it
Product: Debt collection

Recieved multiple calls from XXXX Won't give me any information unless i hand over all of my info. Won't give me the information i want ie. If they can even collect this debt in my state. An itemized bill for such debt. Have been hung up multiple times. I have no debts. They keep saying hippa laws. Which a debt company can not hide behind. I truly believe the people who are using this number is a scam business and needs to have their business license revoked permanently.