23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Talked to Medical Data Systemns around XX/XX/XXXX. Asked them if I pay off acct. could they delete medical collection from my credit reports? Oh yes she said. The credit bureaus will have deletion letter by XX/XX/XXXX. I call all XXXX credit bureaus around XX/XX/XXXX no they have received anything. I called XXXX well I sent it the supervisor XXXX says. Call XXXX  again 3 more times no they have not received anything.Finally filed a dispute against them they reported back to bureaas account was not paid. It showed a XXXX balance for a couple of days but then reaapeared.And it showed the total amount. that I started out with {$7300.00}. I attached a copy of bank statement proving it was paid on XX/XX/XXXX. I paid payments on acct. for all of XXXX up until XX/XX/XXXX {$200.00} a month. Balance started out at {$7300.00} and got it paid down to {$4700.00} when it was paid off. I want this removed from my credit reports immediately exactly like they promised. Why are they fooling around with people 's lives like this? I am trying to get a mortgage and this is the only thing holding me back. I am going to get in touch with XXXX XXXX XXXX the originial vendor. We will see what they have to say. I so desperately need help. They are just making me go around and around like they are playing a game, Please help me?
Product: Credit reporting or other personal consumer reports

Disputed this account several times, also sent in a police report, identity theft report and letters from the creditor stated this account was a result of fraud. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX which was sold to XXXX XXXX XXXX which was deleted XX/XX/2023 they sold this debt but still the account XXXX XXXX XXXXXXXX is still reporting. 

Please see attached letters from creditors. 

Thank u
Product: Credit card

On XX/XX/2023 a multitude of unauthorized purchases appeared on my credit card my first reaction to this would be to file a dispute with the company and make sure they were removed immediately. I set a dispute for the amounts XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I did not hear from the company for about a month until today when they unexplainably added the amounts back onto my balance which understandably has me angry since the charges were made without my consent.
Product: Credit card or prepaid card

I had a problem about 3 months ago with Chase Sapphire. I had given my adult daughter a card authorized in her name for food and necessities. She suffers from XXXX XXXX and had never gone on a spree in any way like this but it resulted in a few days of over {$12000.00} of charges, the day she was hospitalized she bought {$5000.00} of gift cards at a XXXX XXXX XXXX, as well as two other charges, one for over {$1300.00} and the other for {$160.00} in a period of 15 minutes. Chase NEVER did a fraud alert and because she was authorized forced me to cover all the charges. When I finally reluctantly agreed, the person I spoke to told me the best thing was of course to cancel the card altogether and make sure the new card was ONLY, in mine name., This was on or about XX/XX/XXXX or so, In looking at my bills I see there was one charge in XXXX, but over a {$1000.00} in a three day period in XXXX from XXXX still being billed to my card!!!!! I immediately called extremely upset because how could they blame XXXX when they authorized a card that was completely cancelled including the ability for the user to use it. I asked the person that this was outrageous, and after 5 calls to their dispute center, even their investor relations, they told me it was basically not their problem and i was stunned. Especially knowing the history of what i already suffered having to cover these charges, from my very sadly sick daughter, one could only assume that closing the account and reopening a new one where i was the only card holder would be the best way to avoid this in the future. CHASE IS WHO SAID THIS TO ME!!! So here we are, I have taken all the steps that CHASE advised me to do, to make sure that my daughter has NO access to the card. Except she found in early XXXX, after one stay in the hospital, that the card still worked and shes been able to charge over $ 1000s on it even after I brought this outrage to their attention. They told me I am responsible and I said that what they authorized is ILLEGAL, it was Chases responsibility to decline the card since It was a CLOSED account in her name and she was NOT replaced as an authorized user. They have been rude, and life is difficult enough having an adult child with this illness, but Chases behavior has been outrageous and they are arrogant bullies who abuse the trust their customers place in them. For example, had this been XXXX XXXX, they would cancel the charges, absorb them and alert me if they happened. With Chase not only did i have NO protection, but they violated the law. Thank you and yes please publicize this because their website has all this garbage of corporate consciousness. Why dont they start with treating their customers with respect and truly protect them. I feel they truly violated me and the trust I gave them all these years. If you can let me know if there is a way I can close all my Chase accounts without hurting my excellent credit rating I would appreciate it. Thank you so much, XXXX
Product: Credit card or prepaid card

account with Chase has been closed for over a year but still excessive interest and fees keep accruing unable to keep making payments and payments already made don't even cover the interest charged. Business is currently under review for Bankrupt but might be able to settle the debt with the bank. Please have the right person contact me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Accounts listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions All these account has been disputed several times and the information isn't 100 accurate and its very frustrating to keep trying to dispute these accounts and nothing is being changed or deleted. This is my last try at this.

Account with incorrect information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account paid and payment history is expectational XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i wrote them on XX/XX/2018 about this inaccurate account which states that my account has been closed with 60 days late payments, haven't heard from them them concerning this negative item on my credit and i would like it resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account more then 5 times with XXXX, Experian, and XXXX I also disputed it with XXXX XXXX collection, when XXXX finished there investigation the 2 time they did find that XXXX XXXX was reporting inaccurate information, and removed the account per FCRA I sent the information to XXXX and Experian showing that the information being reported was inaccurate using the information sent to me thru CFPB by the collection company that showed that the amount was less then {$2000.00} not penny more. but every time i dispute with XXXX  and Experian not only they dont correct the issue the up the amount my reports start at {$3300.00} then {$3300.00} then {$3300.00} since the Credit reporting companys know the rule and laws of FCRA im not going to give statues, but if an account has been disputed and nothing change but found to be inaccurate later must be deleted. I have provided such proof to XXXX And Experian SO AT THIS TIME THIS IS MY FINAL ATTEMPT TO RESOLVE THE ISSUE AND HAVE THE ACCOUNTS REMOVE FOR REPORTING IN BAD FAITH PRIOR TO ME FILING XX/XX/XXXX IN COURT I HAVE MADE COPYS OF ALL CREDIT REPORTS SINCE I STARTED THIS DISPUTES IN XX/XX/XXXX, I  ALSO HAVE THE DOCUMENT PROVIDED BY XXXX XXXX XXXX, WHICH CHANGE TRADLINE NAME TO XXXX XXXX I BELIEVE THAT XXXX AND EXPERIAN ARE NOW ACTING IN BAD FAITH AND TO PROFIT OF INACCURATE INFORMATION BEING REPORTED THEREFORE THIS IS MY FINAL NOTICE TO XXXX  , AND EXPERIAN PRIOR TO FILING SUIT IN WHICH I WILL NOT SETTLE AND WE WILL GO BY THE COURTS DECISION.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX. XXXX XXXX WROTE OFF ACCT # XXXX AS BAD DEBT. XXXX XXXX INFORMED ME THAT IT WOULD NEVER REPORT AGAINST MY CREDIT. I BROUGHT THAT UP TO XXXX AND THEY RESOLVED IT BY DELETING IT. 
SINCE THE OTHER CREDIT BUREAUS XXXX AND TRANSUNION ARE STILL REPORTING IT IN ERROR I WANT THAT DOCUMENT AS MISLEADING. 

I HAVE ENCLOSED A COPY OF MY CREDIT REPORT HIGHLIGHTING THE ERRORS. 
THEY DONT HAVE THE SAME OPEN AND CLOSED DATES, NOT THE SAME ACCOUNT
Product: Debt collection

This involves a Synchrony Bank Gap Visa Account 1. There was a delinquent balance of {$3000.00} on the account as of approximately XX/XX/XXXX 2. After repeated calls and letters from the creditor we agreed to a settlement to made over a period of time. 
3. All payments were made as agreed 4. On XX/XX/XXXX Synchrony Bank sent a letter states that the account was settled and that there is a XXXX  balance. 
5. On XX/XX/XXXX I received a call trying to collect {$2200.00} which I assume is the original balance plus interest and penalties less the settlement payments. 
6. My husband returned their call and informed them the account was settled and he was told that it still showed a balance. He confirmed that they still show a balance due. Where upon he informed the person that the account was settled and that we are in possession of the letter from Synchrony indicating such. My husband became upset and told them he was going to file a complaint and would sue them if this was not corrected. He instructed them not to contact or call us again. 
7. It appears that Synchrony is trying to defraud us out of additional money.
Product: Credit reporting

In the " remarks '' on " XXXX XXXX '' as well as " XXXX XXXX Bank '' it has " consumer disputes. '' These remarks are effecting me getting a mortgage.
Product: Debt collection

A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. 
This account is closed yet accumulated interest daily since the closed date.
Product: Credit card or prepaid card

Today I noticed two cash advance fee ( {$12.00} and {$10.00} XXXX were posted on my Barclaycard ending in XXXX. I called the bank and they said these were charged due to two recent same-day transactions with XXXX XXXX. However in this XXXX, I called Barclaycard and had a phone representative to lower my cash advance on this card to {$1.00} ( because according to her {$0.00} cash advance can not be setup ), and she confirmed any cash advance transaction over {$1.00} would be automatically declined. So, anyway, in today 's call, the new rep confirmed there was no cash advance limit set up on my account, and they were not able to waive the cash advance fee. I asked to speak to a supervisor, she looked up my account and would only waive the {$10.00} cash advance fee as a courtesy because it was the latest posted ... So my understanding is, back then during my call with the female rep, either she messed up on her side that she did not successfully lowered the cash advance limit, or she simply lied to me, as the male rep today said he could not find such cash advance limit change on file. Unfortunately, I do not have any email proof as this was conducted by phone, but I hope the call with the female rep in XXXX was recorded in case the bank needs any proof. These two " cash advance '' were definitely not intentional as I would believe any cash advance would not be able to go through like the female rep firmly told me. Therefore, I do not think it is fair for me to bear the cost of this cash transaction fee due to the fault of their representative. In addition, both cash advances happened and posted on the same day, it does not make sense that one is latest posted ( while the other maybe 1 second later ) so they can only reverse one fee.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX ( charge off ) -- {$2300.00} XXXX XXXX XXXX XXXX ( charge off ) -- {$13000.00} XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/year> XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My account with Wells Fargo was overdrawn due to an oversight on my part, I then in turn made a deposit to cover the overdrawn amount and the cover any additional payments that might have been coming into the account. The deposit was made using the Wells fargo  mobile application, the amount was received/processed and paid by the maker bank and the funds were released by  XXXX   XXXX . I notified  Wells fargo as to the situation regarding the deposit not being credited, I was informed by the initial Wells Fargo repre sentative that the funds were not released by the maker bank (  XXXX    XXXX    ).  I then proceeded to call  XXXX   XXXX  and they notified me that funds were released and the check was pai d to Wells Fargo, so therefore Wells Fargo would  be in possession of the funds.  <P/> I then called  Wells Fargo again to notify then if my conversation with the other bank, I was told that was n't true and that I would have to wait 10 c alendar days for the funds to be released by the bank. I explained again that  XXXX    XXXX   has already released the funds and the amount was paid. Therefore  Wells Fargo  was placing an unnecessary hold on the deposit. I was in turn passed on to an  executive customer service team that would be able to handle my request, after a conference call with both banks, it was confirmed that the funds were released to Wells Fargo, yet the representative on the phone then stated that though he had the ability to release the hold and therefore making the funds available to he would not do it and that I need to call the next day because it would be a whole business day later and then the funds would be released then or I would have to wait till Monday  XXXX  to have another manager  handle the request. I explained numerous time that I did n't need the money to make a withdrawal but rather to have the funds available to insure that payments that were to be made on the account would be processed.  <P/> I then explained to them that it appeared the bank placed unnecessary holds on the funds in order to keep the account in negative status so that they can generate additional fees in the consumer account. I
Product: Checking or savings account

Unauthorized payment via XXXX on XX/XX/XXXX for {$600.00} Unauthorized payment via XXXX on XX/XX/XXXX for {$600.00}
Product: Debt collection

XX/XX/2018 - payment in the amount of {$400.00} XX/XX/2018 - payment in the amount of {$200.00} XX/XX/2018 - payment in the amount of {$200.00} I have receipts for all payments ( or I can show bank statements ) and this should have settled the account. I later came to find out that my account was transferred to Jefferson Capital for the full amount of the debt. I have disputed the charges with XXXX  and XXXX to just be told that the debt is still valid.
Product: Credit card

Synchrony Bank XXXX XXXX has reported me delinquent on my bill. 

I do not owe any money and Synchrony Bank continues to hound me telling me I owe them {$280.00} which is a flat out lie. 

Synchrony refuses to close the complaint I opened XXXX weeks ago. 

Verizon has stated that Synchrony Bank is in ERROR. 

Verizon Bill Pay website shows I have made the following payments XX/XX/XXXX XX/XX/XXXX {$35.00} Cash XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA My Checking Account shows I have made the following payments XX/XX/XXXX {$120.00} ( Initial Bill ) XX/XX/XXXX {$76.00} XX/XX/XXXX {$00.00} ( This is what Verizon told me I owed because they credited my account ) XX/XX/XXXX {$17.00} XX/XX/XXXX {$37.00} VISA XX/XX/XXXX {$35.00} VISA XX/XX/XXXX {$53.00} VISA XX/XX/XXXX {$53.00} VISA There is no possible way that I owe {$280.00} because this is more tham most of my, monthly charges ( which were {$35.00} per month for XXXX thru XX/XX/XXXX ). All of the above checks have cleared and Verizon has stated it does not matter that the checks were sent directly to Verizon with the Synchrony Bank VISA Account Number on them. 

Synchrony has not reported the account as delinquent, but only by {$67.00} and only for a single month. See attached. Which is it? Four ( 4 ) days ago they told me I owed {$280.00}, but today they told XXXX that I only owe {$67.00}. Someon is purposely trying to destroy my credit score and whomever is doing it at Synchrony Bank needs to be FIRED! 

I would like this issue resolved and I would like Synchrony Bank to notify the Credit Agencies that they are in fault. It has been XXXX months now. 

I NEED HELP FROM THE CONSUMER FINANCIAL PROTECTION BUREAU. I AM WRITING MY SENATORS.
Product: Checking or savings account

Savings trapped in Chime account - Please help* I have been a Chime customer since I moved to XXXX XXXX XXXX XXXX 3 years ago. 

Last night I had my chime bank card stolen, so I cancelled the bank card and issued a new one. 

This morning I woke up, and tried to login to the Chime app. I was locked out and had to prove my identity to the company- which makes sense as a security measure. However, I was stunned to realize that they did not accept any forms of ID that I used to open the account. 

I spent many hours this morning pleading with Chime customer support to accept any of the following IDs. But they insisted that they only accepted a XXXX XXXX or XXXX driving license. I am unable to get these IDs as XXXX XXXX XXXX XXXXXXXX citizen and therefore can not get a XXXX passport. I can not currently get a XXXX drivers licence or state ID. They promptly hung up on me without escalating the issue. 

Chime let me open my account with my SSN & XXXX XXXX, but now wont let me get into my account with the same ID. 

Forms of ID I have, and willing to supply to Chime to prove Identity : - I have a XXXX XXXX, XXXX Drivers License, American Social Security card, Multiple American Visas, XXXX XXXX XXXX XXXX ( All photo IDs ). I have lived in the US Cumulatively for almost 7 years. 
- I answered all of the security questions asked by account verification team - I have the login details of the online app, and use faceID Chime will not let me access my money despite having an internationally recognize passport and American social security card with matching name. I can not access my money and $ XXXX is a huge sum to me and my family.
Product: Credit reporting

I am filing a complaint since Experian has ignored me several times in providing verification documentation that their company has on file for the accounts I disputed. It has been well over XXXX day and since they can not verify, under Section 611 ( 5 ) ( A ) of the FCRA, they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter ASAP.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint that still have not been resolved. Below is the original complaint message : I have recently reviewed my credit profile and seen some inaccurate information. XXXX XXXX of XXXX  is claiming that I owe XXXX. I recently tried disputing with Experian and XXXX this past XXXX but they gave a response stating that the information was correct. The FCRA law of accuracy states that It is the credit reporting agency 's responsibility to report only true information it also says, the reported information should reflect MAXIMUM accuracy. Also, the collection is in breach of the XXXX XXXX statute of limitation which is 3 years. This account has been closed since XX/XX/XXXX which is 5 years.
Product: Credit card or prepaid card

Bank of America negligently and with malfeasance is not mailing statements. My billing cycle ended XX/XX/XXXX. The bank has not yet sent out a statement, even though it is not almost a month, but also because the payment due date is today, XX/XX/XXXX. It is impossible to reconcile my receipts with statement charges unavailable. I believe that Bank of America is doing this to 1 ) Increase its fee revenue by customers not knowing how much to pay & how accurate the charges might be. 2 ) Force customers to switch to electronic delivery from printed statements 3 ) Because of its failure to maintain systems for its customers. In any case, Bank of America is discriminating against the elderly, the disable, the poor with its intentional anti-consumer behavior. Many of us do not have I-phones and can not utilize apps. Some of us do not have regular computer access or computer skills to bank online. I had to spend considerable time and effort, navigating complicated menus, in telephoning the bank to even find out what the non-existent statement balance is, But, the bank ; s customer service refused to read the individual charges to me. The bank declined to state what the problem is, but acknowledged that countless number of consumers have also not received their statements. So, I am being forced to pay today an unverified amount in the hundreds of dollars, simply to avoid late fees and interest charges. Bank of America, with record earnings, is screwing the consumer public by its nefarious games.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnion today at ( XXXX ) XXXX XXXX, on Monday, XX/XX/2023, around XXXX XXXX Pacific Standard Time . The agent did not say anything, however, I could hear background noise. The agent was intentionally not speaking. I kept saying Hello? hello?, but there was no response. Then the phone disconnected. This is called call avoidance and is inappropriate.