23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is similar to the current XXXX XXXX situation, but with a spin, since instead of opening a new account without your consent, in this case the consumer is duped into opening an account. I tried to buy a vacation package from XXXX ; at checkout, I was offered {$50.00} if I applied and was approved for a XXXX XXXX Credit Card, and used it to pay for the vacation package. I applied and was approved. However, XXXX did not let me use it to pay for the vacation package. I had to purchase the package using another credit card, but they still sent me the new credit card. This is a fraud because the consumer is promised a thing of value, {$50.00}, but then there is a 'bait and switch ' so that to complete the transaction, the consumer does n't actually get what was promised.
Product: Credit card or prepaid card

I am a natural person/consumer. I extended my credit to Synchrony Bank on XX/XX/2022, in good faith pursuant to 15USC1691 ( 3 ) while at the XXXX  store in XXXX XXXX. I entered my credit card number pursuant to 15USC1602 ( l ), and we entered into a Consumer Credit Transaction ; however, I never received a benefit from said transaction which is a direct violation of 15USC1602 ( p ). Instead of receiving evidence with a security instrument that my open-end credit is active, I was given the GAP  Rewards Visa Brochure and told to expect something in the mail. 

I left the store being very embarrassed, confused and XXXX I know that I can not be denied credit unless involving insurance or employment. I also know that my rights were violated pursuant to 15USC1691 ( d ) ( 6 ). There was no reason for this adverse action to have taken place ; something is very fishy. 

On XX/XX/2022, I received communication from Synchrony Bank via mail with adverse action, stating my application for a credit product with XXXX was denied. This adverse action is unlawful and a direct violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Date of XX/XX/2023, Affirm reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but Affirm marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho affirm themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit card

This was the last letter requesting the charge be reversed and requesting arbitration. In addition I have multiple requests for this action as well as pictures to prove this product was removed and returned by the company. 
XX/XX/2025 RE : XXXX XXXX  Charge To whom it may concern, XXXX XXXX  is currently in litigation involving the only charge on this account. In addition, the contract for this charge has been cancelled as the product involving this charge has been removed and returned per XXXX XXXX themselves. In addition, for this charge to be on my credit card I want XXXX XXXX to provide a contract that states this transaction to be made to my account. Also, I am reiterating that I have already submitted all the documentation, including pictures of the product removed and loaded into a XXXX XXXX  vehicle, verifying my claim that the original product charges on my account HAS BEEN REMOVED AND RETURNED by XXXX XXXX themselves. Therefore, this charge should be reversed immediately and all money that I paid towards this charge should be credited to my account and returned to me. Synchrony Bank has failed me as a consumer as they know as well that the product has been removed and returned. In addition, they ( Synchrony Bank ) have NEVER sent anything to me letting me know the status of any disputes that I have filed, asked me questions regarding this transaction or asked for any other information that might be needed to conduct an adequate review of my dispute. But I will reiterate that ALL the product was removed and returned by XXXX XXXX  themselves. NO RESOLUTION HAS BEEN REACHED. And the only resolution that I will agree to is for this charge to be reversed immediately and for my account credited and money paid by me to be refunded. I have continuously requested Arbitration for this charge and again, I AM REQUESTING AND DEMANDING arbitration immediately. I am also requesting that a formal complaint be filed against any and all persons that have said they have reviewed this complaint in the dispute department.
Product: Student loan

My student loan provider was switched over to mohela in XXXX. I called in XX/XX/year> to be placed on extended graduated plan for repayment. Was told it can take up to 90 days business days. It is now XXXX and I have no information about the application. Called and they said application is back logged due to government getting rid of IDR plans. Found out my application was for a IDR which is not the plan I wanted. I wanted the extended graduated plan. Submitted a new application for extended graduated plan and was told the same 90 days, would have to wait until XXXX for application to be processed. Was also told that 5 of my loans are in extended graduated plan already and the others are in a different plan. I have no idea how I have different loans in different repayment plans. All my problems with my student loans started when I switched over to Mohela. I dont know how you guys let this company operate still knowing they just XXXX everyone over to let the interest build as much as they can before you pay it off. It is absolutely ridiculous. SOMETHING NEEDS TO BE DONE ABOUT THIS XXXX COMPANY. 

UPDATE TO THIS COMPLAINT : I was told again that they are expediting the request. Now i somehow have over {$2000.00} dollars of late payments and my next payment due is {$7000.00}. I called today and the lady told me all she can do is put a request to expedite the application in. I asked to speak to a supervisor and was hung up on. THIS IS THE WORST COMPANY IN THE WORLD. SOMEONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. PUT ME IN A ROOM WITH THE CEO FOR 10 MIN AND LET HIM REALIZE WHAT HE DOES TO PEOPLE WITH THIS XXXX COMPANY. BY FAR THE WORST LOAN SERVICER IN THE WORLD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Update Credit Report Account Dear TransUnion, I am writing to formally dispute an error on my TransUnion credit report regarding my [ XXXX XXXX ] account. As of [ XX/XX/XXXX ], my report does not reflect my on-time payments for the months of XXXX and XX/XX/XXXX. This is causing my credit score to inaccurately reflect my financial behavior. 
I have attached the following documents to support my dispute : 1. A c
opy of my recent account statement from XXXX, showing my on-time payments. 


XXXX. Screenshots of my payment history directly from the account portal, indicating a " good standing '' status. 



Based on the evidence provided, I request that TransUnion promptly update my credit report to reflect my accurate payment history and ensure my credit score reflects this adjustment. 

Thank you for your attention to this matter.
Product: Credit card

Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so, the debt collectors broke the rules laid out in 15 USC 1692g. This means they needed to properly validate the alleged debt they claim I owe. They're supposed to provide evidence that the debt is real when asked, but they didn't. This violates my rights, tarnishes my reputation, and adds to the stress of dealing with them. According to the FDCPA Im entitled to {$1000.00} dollars per violation and clearly, they violated my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

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

After the XXXX scandal, I went on line on XX/XX/XXXX to freeze my credit report with XXXX, Experian, and XXXX. I was able to successfully freeze my reports for both XXXX and XXXX. However, at the end of the on-line Experian process, the Experian site and only Experian site, displayed a page instructing me to " upload documents ''. They did not specify which documents. Unless I completed this section, I was unable to freeze my credit report with Experian. Today, XX/XX/XXXX, I called their number : XXXX for assistance. The person I reached knew nothing about this " upload documents '' issue. I told her that many other people have reported the same problem. I asked to speak to a supervisor and was told that, to do so, I would have to wait at least fifteen minutes ( probably longer ) to speak with a supervisor. I told her I did not want to have to report this to FTC and wanted to resolve it with a supervisor instead. Again, she said I 'd have to wait on line for 15 minutes.
Since this is not something either of the other 2 credit reporting agencies are requesting, I think FTC should intervene and protect the millions of people who are trying to protect themselves by responsibly taking measures. Thank you.
Product: Credit reporting

I submitted a complaint over a month ago. That complaint is XXXX. 
I have still not received a copy of the investigation and full copy of my credit report. I was recently denied credit due to inaccurate Equifax information, but I do not a full copy of the report so I can not dispute the specifics. I am attaching the credit denial letter.
Product: Debt collection

portfolio recovery assiciates llc sent me a letter saying that i have an account with them and that they are going to take monies out of my account for this debt. I told them that these debt does not belong to me and stop calling me about it. I ask them to send me proof that i have a contract with them, show me where i sign any contract with this collection companies, the only thing they sent me was an bill stating that i owe them. this is just a bill they bought from the credit bureaus saying that i owe them. I also contacted the credit bureaus in regards to this fraudulant account and they said it was verified, I ask them to send me any documents they have on this fraudulant account, that verifies this. the credit bureaus have not sent me any kind of documents. how can the credit bureaus put anything on my file without having documents to verify. they are so crooked, with so many data breaches on these credit bureaus, they should look into this.
Product: Credit card or prepaid card

Hello my name is  XXXX   XXXX , my phone number is  XXXX . My wife opened a credit card under her social security number with cap ital one, she asked capital one a few weeks ago if she could add an authorize use to the account. I was present when my wife asked capital one and they said she could a dd. My wife asked the representative over the phone that if she added me as the authorize user and if my ssn was needed or was this credit card going to be reported to the my ssn. The representative advised my wife that she was the responsible party for any charges made by the authorize user and that they capital  one did not need ssn, but just the name ( my name ).      Now I am in the process of buying a house and  my credit score was dropped because capital one added my wife 's credit card t o my ssn without my ssn. She did not give the agent my ssn when she added me as an authorize user. I called ca pital one an d try to explain them the situation, but they are unwilling to make the changes to my credit report. They refuse and they are no making me responsible party for a credit card that I never signed up. Please help me. The credit card account that they reported to my credit without my authorization ends with  XXXX . Please help me. As a young couple we are trying to buy our first home, but with my  credit score bei ng reduced by this, I feel I wo n't get the best rate that the bank has to offer. Please help me. I even asked the supervisor  XXXX , ID -  XXXX  to listen to the call when my wife call ed capital one two we eks ago and she only gave my name and not my ssn or date of birth. Capital one just added my wife 's credit card to my SSN without an SSN being provided during the call. I do n't think I am the only person that is having this issue with capital  XXXX  ne. They are trying to cover this by advising people to file a dispute and it should take about 6 months to hear an answer from capital one. The time frame that capital one has pr ovided is unacceptable and I need your help to find a resolution to this issue. Thank You,  XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

Phone calls to XXXX, XXXX and Transunion all resulted in the same refusal to verify an alleged medical debt. 
These organizations would only contact a collection agency and verify the alleged amount owed was reported accurate. 
The agencies would not request proof of a legal right to collect an alleged medical debt by receiving a copy of the Chain of Title which the collection agency must possess to legally prove they have the right to attempt collecting a medical debt.

The agencies told me I must contact the credit collection agency direct and request the information.

My Demand Letter was sent registered mail and only one of two agencies responded in the 30 days reasonable time. The response did not include the Chain of Title they must possess to establish their legal right to attempt to collect an alleged medical debt.

I can only make this complaint and seek relief from these alleged medical debts be included on my personal credit reports.
Product: Money transfers

I was scammed online, and did not receive what I paid for. Was not able to cancel payment in time on Paypal.
Product: Credit card

I made my credit card payment on a Saturday XXXX the day it was due. I was assessed a late fee for the payment. I contacted the credit card company-target, they said the payment was due by XXXX central time. I made the payment at XXXX ( my time which is mountain time ). My understanding is that payments made on weekends, holidays etc are not 'late ' according to the new credit card protection laws. 
Last month my payment did not go through electronically, although I had a confirmation number-target issued a refund for that late fee due to the electronic mixup but that set me up for not having my late fee waived again for customer service issues. 
Target then suggested I could have made the payment via phone, if a phone payment is not late then an electronic payment should not be late either. My bank is still closed on weekends.
Product: Credit reporting or other personal consumer reports

incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False must be remove in my report and monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the personAccounts listed below in yelow color highlight text accounts in status incorrect personal information as in compliance of FDCPA Section 807 Violation Misleading False Reporting Must be deleted Immediately!. 

items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data. 
Please make all listed below update or deleted in my credit report!
Product: Debt collection

Between XXXX and XXXX I rented a room. I then moved from the address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, UT XXXX. A couple of years after I got a call from a collection agency called TransWorld Services stating I had a collection for a XXXX XXXX  account that I never opened. I was informed that the account closed on XX/XX/XXXX. I tried to explain to the collector it was not my account that I had moved out months earlier and that someone in the house where I rented a room, might have opened the account under my name since I had not lived at that address for over one year, and had received calls from other collection agencies claiming that I had balances owing. Even after disputing the account Transworld would not remove it from my credit. I ended up paying for a service that I never opened. I am requesting your assistance to have this negative reporting be removed from my credit since it is not accurate reporting as it has been stated to Transworld for years.
Product: Debt collection

On XX/XX/2018 a collection account was opened for a debt that I was not notified of. The original debt was from XXXX XXXX XXXX The collection agency is IQ Data International. The current amount is {$1600.00}. I have disputed this as the debt is erroneous. I have taken this to court and won. Attached is a copy of the court record/judgment. Please help me get this removed from my credit report. IQ Data international has been nothing but rude and not helpful.
Product: Credit reporting

FIRST OFF THIS COMPLAINT DOES NOT CONSTITUTE ANY ID THEFT SO EXPERIAN IS NOT TO PUT ANY KIND OF FREEZES ON MY REPORT. EVERY TIME I ASK THEM TO REMOVE AN INQUIRY THAT DID NOT HAVE A PERMISSIBLE PURPOSE THEY WANT TO SAY I ASKED THEM TO PUT A FREEZE ON MY REPORT AND THAT IS NOT WHAT I AM ASKING THEM TO DO. THEY HAVE A BUNCH OF INQUIRIES ON MY ACCOUNT THAT DO NOT HAVE A PERMISSIBLE PURPOSE AND I AM ASKING THAT THEY TAKE THEM OFF AND THEY WILL NOT. THE FOLLOWING INQUIRIES ARE TO BE REMOVED AS THEY DO NOT HAVE ANY PERMISSIBLE PURPOSE AND EXPERIAN KNOWS THIS. 

1. XXXX ON XXXX XXXX XXXX : REASON UNSPECIFIED 2. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 3. XXXX XXXX XX/XX/XXXX : REASON UNSPECIFIED 4. XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 5. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 6. XXXX XXXX XXXX. XXXX XXXX XXXX : REASON UNSPECIFIED 7. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 8. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 9. XXXX XXXX XXXX XXXX XXXX XXXX : REASON UNSPECIFIED 10. XXXX XXXX XXXX XXXX : REASON UNSPECIFIED Experian has been notified in writing on XXXX separate occasions about these being removed. Instead of removing them they just say that i requested a security freeze on my account or that i alerted them of ID Theft and that is NOT THE CASE and They are not to put any kind of freezes on my account. I am filing this complaint here because I want a record that I am not asking them to put a freeze on my account but I am asking them to remove the above inquiries because they did not have any permissible purpose as I was never offered nor extended any credit with those companies. On my credit report Experian specifically says we offer credit information about you to those that have a permissible purpose such as preapproved credit, employment, investor potentials, experian consumer assistance, mortgage completion or insurance underwriting. According to my records and research none of the above listed XXXX items meet any of these criteria and I am asking that Experian remove them immediately from my file and DO NOT PUT any freezes on my account as I am NOT asking you to do that and then immediately send me a new updated copy of my credit report.