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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2300.00}, {$0.00}, {$0.00}, {$1600.00}, {$620.00}, {$570.00}, {$3300.00}, {$430.00}, {$980.00}, {$1300.00}, {$1300.00}, {$2700.00}, {$1200.00}, {$1200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$2300.00} -This is not my account. 

2. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX BANK with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX BANK XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$620.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO LOAN OR LEASE 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3300.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$430.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2700.00} -This is not my account. 

13. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account.
Product: Debt collection

The business sent me a letter informing me that I owed them {$700.00}. I sent a certified letter to Portfolio Recovery Associated on XX/XX/2022. I asked for a letter of debt verification. I received a response from the business on XX/XX/2022. According to the letter, I owe {$660.00}. It contained numerous comments that were out of order. They were separated by months. A letter saying that the account was sold for {$700.00} was also sent. However, they issued a letter in an effort to recover {$700.00}. Then, on XX/XX/2022, I wrote them another letter demanding further details. Considering that they did not provide the documentation I asked in my initial letter. The same assertion from the first letter was repeated in a letter I later received from the corporation. Even so, I looked at my credit report. Additionally, it states that they are attempting to recoup {$700.00} on there. Also both of the letters that I received from this company were written the same way. Including the same information and documents.
Product: Credit card

In XXXX I made a purchase under {$25.00} using my Macy 's card. The following month I paid the full balance. A few months later I tried to use my Macy 's card but was declined. I called Macy 's customer care and was told that they received the full payment, however there was {$5.00} interest fee applied after the billing cycled closed. That 's why I could n't use my card. I paid the {$5.00} while on the phone with the Macy 's Rep. She told me I had a zero balance. I said I 've been told that before, but look what happened. She stated she would note the account in case additional fees were again applied. About a month later, XXXX XXXX I tried to use my card and again was told it was declined. I called Customer Care again and found now there was a {$2.00} charge sitting on my account unpaid so the account was deemed delinquent. The Rep saw the notes on the account, apologized and waived the {$2.00} but advised me my {$1200.00} credit limit had been dropped to {$100.00}. My credit report now shows that I was 30 days or more delinquent for an amount less than {$24.00}. I 'm disputing the negative rating score. If you pay the balance, that mean 's there 's nothing left owed. You should not be surprised with a {$5.00} or {$2.00} fee after the balance was 'paid in full ' and have your credit destroyed. The most I have ever charged on the card was {$240.00} and I always paid the balances in full within 45 days. On XXXX/XXXX/XXXX I called Macy 's and verified that my balance is truly XXXX, then closed the account. I 've never had issues like this with the other Department stores I have lines of credit with, only experienced this with Macy 's. : o (
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that's on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my credit report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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

ive been enrolled into the customer assistance program ( hardship ) since XX/XX/XXXX. the first payment was due on XX/XX/XXXX of XXXX, the payments were being done automatic.. the account is closed by the creditor and that's fine. the collection agency states that they are turning over the payments to the creditor. the in house collection dept states that they see the payments. so I contacted customer service dept at XXXX XXXX   and they stated that even thought the account is closed and turned over to an out side collection company they ( XXXX XXXX/XXXX ) can still report the account delinqent
Product: Checking or savings account

I am writing to formally lodge a complaint against Synchrony Bank, where I hold A savings account, The bank has repeatedly failed to credit my account the money I am owed. 

Below is a detailed accounting of what happened. 

XX/XX/XXXXXXXX XXXX XXXX was opened with an external bank and money was transferred out of my Synchrony account to the external account. 
XX/XX/XXXX - On that same day the account was closed, due to the external banks inability to enable me to fund beyond the original amount I had initially transferred. 
XX/XX/XXXX The transfer to the external bank was posted on my Synchrony Bank account. 
XXXX Following the external bank account closure, the external bank confirmed with me the money was transferred back to Synchrony Bank and provided a XXXX #. 

Synchrony continues to tell me they are looking into the matter but have not been able to provide any concrete updates. Furthermore, I have had to endure hold times exceeding an hour each time I call followed by limited to no information regarding my case. Nobody seems to be taking my matter seriously or following up with me directly.
Product: Credit reporting or other personal consumer reports

Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX.I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. 

Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX  ) Account Number : XXXX Reason : Unverified account
Product: Credit card or prepaid card

I tried to make a payment on time after logging on to Capital One 's web site. An error appeared with instructions to 'try later '. I followed the instructions and made the payment later. Capital One marked the payment late. I complained and Capital One apologized and refunded the late fee. I have demanded Capital One remove their internal or poroprietary record that contains what they claim is a late payment. I have phoned and emailed Capital One multitudes and they keep telling me the fee was refunded. I want written acknowledgement from Capital One that there was no late payment made, and that their faulty web site gave me instructions after an error. Capital One keeps mentioning the Fair Credit Reporting Act and the refund. This has nothing to do with any report to any of my credit files. Capital One refers to a 'late payment ' when I request account adjustments or credit increases.
Product: Payday loan, title loan, personal loan, or advance loan

I was involved in an accident in XXXX and been out of work and was receiving temporary XXXX for a short time then bills were piling up in XXXX and I didn't have any money coming in so I looked online for a lending company and I came across Oasis which Had an advertisement online saying they won't get paid unless you get paid and if you don't you don't have to pay the money back and the fee was 1.4 %. So from XXXX until approximately XXXX I only borrowed XXXX from Oasis and they charged me a little over XXXX they receive more then I got from my settlement in XXXX and I feel like they over charged me and with unexpected fees and false advertisement
Product: Checking or savings account

Bank of America closed my account # XXXX for NO reason. I had a lot of activity because I finally received my Pandemic Unemployment and had a lot of transactions in one day. First, they declined every other transaction even though I had thousands of dollars in there. Then, the froze my account because I was using the account as I wished. When I called for the 3rd time, I was told that they just made a business decision to close it without notice. No notice, just locked it and I had bills coming out and direct deposits coming in. Now have to wait until they decide to send me the thousands of dollars in my checking and savings.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I reported to experian to dispute a charge off account in the amount of {$12000.00} from the creditor XXXX XXXX  XX/XX/XXXX I reported to experian to dispute a closed collection account in the amount of {$1000.00} from XXXX XXXX XX/XX/XXXX I reported to experian to dispute a closed collection account in the amount of {$330.00} from XXXX XXXX XXXX XXXX XX/XX/XXXX I reported to experian to dispute a closed collection account in the amount of {$630.00} from XXXX XXXX XXXX XXXX sold by a debt buyer Experian did not go through the disputes I sent over to be reviewed and verified instead Experian updated the account with no further verification action or getting any of the accounts removed off my credit report. According to the FCRA experian was not supposed to sell my information to a 3 rd party company without my consent or knowledge of permission Experian also did not send out a letter through mail or email asking for my permission of my information.They did not take into consideration, of removing any charged off accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my child support balance on XX/XX/2019 but Equifax has refused to update the balance to reflect the correct balance. 

I filed a credit dispute using my most recent credit report
Product: Credit card

FORMER Authorized user XXXX XXXX  Still able to use this card. XXXX XXXX transaction is not mine from XXXX. 

what XXXX XXXX XXXXXXXX  is going on?!
Product: Credit card

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

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

I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Debt collection

I was given an exact amount for medical service that was quoted over the phone. Prior to the appointment with the doctor I paid for entire visit. After the visit they tried to charge extra without any explanation. There were no tests or special treatment during the visit. When I talked to the accounts receivable department the lady agreed that I should not have been charged. When I called after they filed delinquent payments, another lady said she puts everything into collections and I was too late in calling her. I do not owe this unjust and made up charge.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, SS # XXXX, DOB- XX/XX/XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit Report agency, block information, appearing on my consumer create a report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, Agreed, and false information consist of a personal credit card account open it XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and auto loan it XXXX XXXX XXXX open XX/XX/XXXX account number XXXX, and personal loan with upgrade XX/XX/XXXX account number XXXX, A credit card with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent horror inquiries and fraudulently collection appear on my consumer XXXX critter report. Ive a test a list of who increasing questions as well as a copy of consumer credit report maintained by you, which shows the aforementioned accounts, collections, and hard increase appearing on my consumer credit report, maintain by you where youre not open, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity and fraud. I have attended a copy of FTC identity theft criminal complaint number ( XXXX ) as proof from the US FEDERAL TRADE COMMISSION that all of the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I can show phone records that show this company has called me every day, with the exception of Sundays, for the past 6 months or maybe longer. The debt they state I owe is with T-Mobile. I have already settled any debt I have with XXXX. I told them since I do not believe I owe the debt I will wait, and if it is legitimate, I will pay it once it shows up on my credit report. I also called XXXX. Nothing has shown up on my report. I believe I paid this debt and this company bought the debt and now keeps hassling me. I have asked to be taken off of this list many times. I still get phone calls and the people are so rude for no reason.
Product: Mortgage

XXXX XXXX Chief Executive Officer and President, Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I must call your offices every month. I routinely pay additional principal with my mortgage payment. I have done this for 40 years, with a variety of mortgage service companies. The additional principal payment has always been credited to principal. But not with Select Portfolio Servicing. 

Instead of crediting my extra principal payment to principal, you credit toward future mortgage payments. It is obvious why you have this business practice. You want to cheat customers by not reducing the principal and thus maintain larger principal balances so that they will accrue more interest. 

The first time this happened, I had used my banks automatic payment mechanism. When I discovered what you had done, I called your offices and got it corrected. I was assured that you would note our account so that additions to scheduled payments would be credited to principal. 

Another month went by and once again, my additional principal payment was credited to future payments, rather than principal. This time when I called, I was told that it was because I used my banks autopayment feature instead of manually writing a check and filling out your remittance advice. 

So, this month I wrote a manual check, filled out the remittance advice, and expected the payment would be properly credited. Once again, SPS attempted to cheat me. Some of the extra payment was credited to principal, some was credited to future mortgage payments, and I can not determine where the remainder was applied. But I was once again assured that it is being corrected. And once again, I was assured that your people had notated my account so that amounts in excess of the scheduled monthly payment will be credited to principal. 

I am doubtful that the problem has been resolved, because I have now received so many empty promises. 

I am optimistic that the regulatory agencies will examine this fraudulent practice. This kind of behavior must be stopped, as I am certain that most of your customers do not realize that they are being cheated. 

Dates When Principal Payments Not Applied Correctly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Details of Disputed Inquiries : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX " I am attaching the report of the formal complaint filed with the Federal Trade Commission XXXX FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' XXXXXXXX XXXX ( Fair Credit Reporting Act, FCRA ) : 1. Permissible Purposes : According to Section 604, unauthorized inquiries do not meet the permissible purpose requirements.

2. Handling Unverifiable Information : Under Section 611, inquiries that can not be verified must be deleted.

3. Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

4. Information Provider Responsibility : Section 623 requires reported data to be accurate and authorized.

5. Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries that may be related to identity theft. 
Additional Legal Support : The cases XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must comply with the FCRA 's permissible purposes. 

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

During the COVID-19 pandemic, my state was in lock down and my employer was closed. I contacted all of my credit cards for some assistance and capital one was the least helpful. During this time, I made 5 late payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). Once I obtained employment again, I was able to catch up on my payments and have not had any late payments ever since. I reached out to Capital One via telephone to see if they can lower my interest rate as it is astronomical and I have been trying to pay off this credit with little luck. They told me they are unable to do so. I also asked if they can review the late payment history so it can potentially be removed from my credit report and evidently, they could not help me with that either. I have multiple other credit cards and this is the only one that is reporting missed payments during a global pandemic. They refuse to help me in this situation and this is impacting my credit score greatly. I do not believe that I should have this reflected on my credit report for 5 years when the entire world was struggling to pay their bills. I have proven to be a good customer and have remained in good standing since my employment continued.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover # XXXX is reporting an account to my credit that should not be on there. I was an authorized user for this account but I was removed from it and it should not be reporting to my credit report any longer.
Product: Debt collection

The company received my information from another party and is now attempting to collect an alleged debt. I did not give written consent to communicate with me at all nor did I give written consent to furnish anything on my report. No consent is identity theft. I am very upset at the way these companies do business and it is harming my character.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing up on my credit card as a balance when it should be zero since it was transaction from a lost and stolen card and I did not authorized any of those transaction Lost card and unauthorized transaction on my XXXX XXXX Credit Card XX/XX/XXXX XXXX XXXX XXXX CA {$6.00} XX/XX/XXXX XXXX XXXX XXXX CA {$21.00} XX/XX/XXXX XXXX  XXXX XXXX CA {$22.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX CA {$28.00} XX/XX/XXXX XXXX XXXX XXXX CA {$33.00} XXXX XXXX AR {$140.00} XX/XX/XXXX XXXX XXXX XXXX IL {$10.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA {$37.00} XX/XX/XXXX XXXX XXXX XXXX # XXXX IL {$8.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL {$45.00} XX/XX/XXXX XXXX   XXXX  XXXX CA {$9.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$66.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX IL {$270.00}