23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have 2 accounts with synchrony bank. I have the same email set to both of them. Each month they claim that my statement preference is changed from paperless to paper statements systematically because the email does not make it to my inbox. They charge a paper statement fee that I have no interest in paying, which is why I choose paperless. They also charge interest on top of that. I have had to call each month to figure out why the change happens. I also receive no communication about the delivery failure nor the change from paperless to paper. Each time all they do is refund my fee and turn paperless back on. However that solution has not worked for the past 6 months and they refuse to help me in any other way. Today all they told me was to try to make the preference change on their website rather than with a phone rep. I assure you next month I will have this problem again. So the first problem is they are charging me fees for a preference I did not select, they are changing the preference without notifying me, they are charging me interest on the fees, and they refuse to help me find a permanent solution.
Product: Credit reporting or other personal consumer reports

As always it's always something with experian and my credit report. I'd like to view my report, not have to send in a request. There's always a roadblock to my report and it's beyond annoying. Experian also has a security answer question wrong related to my previous vehicle stating it was purchased in XXXX. This is incorrect information and it has caused me to fail the security question numerous of times. There's absolutely no way to speak directly to a human because they've blocked access. I want to view my report online, i'm XXXX and not able to go to a post office to send off the request. I tried requesting the annual free credit report on the website. I'm also not able to freeze or unfreeze my report. They have forced us to use creditworks. With creditworks they're able to hide their marketing behind this service. They send out alerts that we can not opt out of, useless alerts.
Product: Credit reporting

These derogatory reports were medical bill that my lawyer was supposed to pay. When these reports showed up on my credit report I paid them right away to preserve my good credit. As my credit report shows I pay my bills on time 100 % of the time. These reports need to be eliminated because I was not aware my lawyer had nor paid these bills ( the total medical bills to be paid are {$10000.00} ). I want these derogatory reports removed as they are not due to any negligence on my part.
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX in XXXX NJ, assigned me a line of credit with Synchrony back in the amount of XXXX for as partial payment for a rebuilt transmission replacement. During the course of the loan, my minimum payment per month fluctuated between {$28.00} up to {$62.00}. per month this includes the principle and the interest of the loan. As of XX/XX/XXXX, I had a balance of {$870.00} f which I paid {$400.00} in an attempt to begin paying off this loan. My new balance as of XX/XX/XXXX was {$470.00} which included interest. When I received my XX/XX/XXXX statement, my balance went back up to {$830.00} which includes the previous balance of {$470.00}, credit fees and Adjustments of {$28.00} and {$320.00} interest for that month!!! In addition, Synchrony Bank reported this to the credit agency ; resulting in a negative credit rating of 10 points. I made a monthly payment of {$100.00}, which should have brought my balance down to {$370.00} considering they were requiring a {$28.00} minimum. As I have been the process of rebuilding my credit over the past 10 months, it was my intent to pay pay off the balance {$370.00} owed only!! I did call service, thinking they made an error concerning my account. They told me that there was a promotion in place of which I was not notified in any capacity ( email, text or US mail ), and that I missed the promotion. The customer service rep put me on hold for a while and came back on with a offer, stating " they would take {$500.00} if I made a payment over the phone. I told them that I did not owe that amount and I simply refuse to make any payoff without having their offer in writing first. They have proven themselves to be untrustworthy in their business practices and could add additional charges the following month unlawfully, at their discretion, keeping me unjustly in dept for the next 4 years. I have been paying principle, interest and {$39.00} late fees, since the start of the loan. I just want to pay off what I owe without being robbed further! I'm still making on time payments, exceeding the minimum requirement, but I need justice, and my credit restored. I did brig this matter to the NJ Office of the Attorney General ; whom after 4 weeks referred me to you via US mail ( Ref. File # XXXX ).
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts : XXXX. XXXX XXXX  XXXX bal. {$1000.00} XXXX. XXXX XXXX. {$890.00} XXXX. XXXX XXXX XXXX Co XXXX. {$12000.00} XXXX. XXXX XXXX XXXX XXXX bal. {$14000.00} XXXX. XXXX bal. {$1200.00} XXXX. XXXX XXXX  bal. {$850.00} XXXX. XXXX XXXX bal. {$330.00} XXXX. XXXX XXXX bal. {$93.00} XXXX XXXX XXXX XXXX. {$220.00} XXXX XXXX XXXX XXXX. {$310.00}. Please delete the following inquiries : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the Equifax credit bureau to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$58000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with money lion back in XXXX and had it paid off by XXXX ; before that I opened an account and closed it the same day. Ive already complained due to the time frame it took for them to repay the escrow and now they are placing an inaccurate credit report which is affecting my score, Im contacting my lawyer.
Product: Debt collection

On XX/XX/year>, I received a call from MRC at phone number XXXX. During the call, MRC failed to verify that they were a debt collector, as required by the FDCPA. I provided my name, and the representative informed me that I owed money to Purchasing Power. 

When I responded, the representative mocked my speech XXXX. I then requested that they verify the debt, as I was unfamiliar with their company. The representative responded rudely, saying, " Of course, you XXXX owe this money. '' I ended the call immediately. 

This behavior clearly violates the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Cease and Desist Communication Regarding Collections/Charge off immediately request for deletion of account. 

* XXXX XXXX I am writing to formally request that you cease and desist all communication with me regarding the debt.which you claim I owe. This letter is not an admission of any liability for this debt but a request for you to halt all communication concerning it and stop reporting and request deletion of this account to all major credit reporting agencies immediately. 

According to my records and the relevant statutes of limitations, this debt has been charged off, and it is no longer legally collectible. Furthermore, any attempt to collect or re-age this debt is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Therefore, I insist that you : 1. Cease and desist all written and verbal communication with me, my family, or my associates concerning this debt.

2. Stop reporting this debt by all credit reporting agency and request for deletions to all credit reporting agencies.

3. Do not sell or transfer this debt to any other third party.

4. Provide written confirmation, within 10 days of receiving this letter, that you have ceased all collection activities related to this debt. 

Please consider this letter as a formal warning that I am aware of my rights under the FDCPA, and I am prepared to take legal action if you do not comply with this request. 

I request that you send all further correspondence related to this matter, including the confirmation of cessation, and deletion. 

Pursuant to 18 USC 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2.company has also no permission to report anything using my info pursuant to 15 USC 16814 . 

Your immediate attention to this matter is expected and appreciated.
Product: Debt collection

The Company Lewis McDonnell & Associates a debt collection company located in XXXX, California has placed a collection account on my credit report for an item I have no knowledge of. I received an alert from XXXX that a change affected my credit report and when I checked I found the above company had done this. 

I received a phone call last month from the company above and the way they introduced themselves I thought they were a law office. They informed me that a legal court case had been filed against me and they had to serve me with court documents. I explained I was out of town and if they could email a copy of the papers so I could see what was going on. I gave them my email address and have NEVER received anything from this company. 

NOW I get a collections account placed on my credit report with no accountability of anything. My attorney, XXXX XXXX ( XXXX ) XXXX has informed me that these collection tactics are out of line. According to the Fair Debt Collection Act, these are illegal tactics. 

I have sent a Certified Letter via US mail service for VALIDATION of this account and also have asked this company to provide proof that they are licensed to perform collections in the state of Ohio. Also under the fair debt collection act, this collection account needs to be removed from all credit reporting agencies while being disputed. 

Also attached are several website addresses listing the multiple complaints against this company even with the XXXX XXXX XXXX and with a " C- '' credit rating.
Product: Credit reporting or other personal consumer reports

To Whom

it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of informa- tion regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the al- leged debt ) by the Company will amount to Communication as per Fair Debt Collection Prac- tices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediat
ely. This includes but not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.

Any further contact by your Agent or Company, except a communication confirming your ac- knowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).

If you do not cease communication a lawsuit will be commenced against you.Remove this account from my consumer report asap
Product: Student loan

I have previously filed XXXX complaints asking for copies of the XXXX returned checks for my student loans proving that I ever received these loans and then cashed them. In the XXXX complaint XXXX they submitted XXXX check. In my XXXX complaint XXXX they sent XXXX more of the checks. This means I have received XXXX of the XXXX checks. I do not understand why they have been unable to send all XXXX at once. I would like to receive the other XXXX checks as soon as possible!
Product: Vehicle loan or lease

I have a car loan with Ally Finacial and the total amounts on my credit report dont match. My loan is paid down to XXXX.. Just recently my insurance company paid {$12000.00}. That amount was paid on XX/XX/2020. Ally financial is the worst company to have a loan with. Getting anything done with them takes months. I had tried for several months to give then my insurance auto theft information and every time I called they took the info and everytime I called back they had no history of any information given to them.
Product: Credit card

This is a complaint about American Express customer service. I have several fraud disputes open with American Express. They all concern the same merchant, dating back to XX/XX/XXXX. On XX/XX/XXXX, I noticed a new charge from this merchant on my card after I specifically asked about blocking this merchant. I called AmEx the same day. The fraud department representative advised the merchant was not blocked until XX/XX/XXXX. I had spoken to someone at AmEx several days prior - on XX/XX/XXXX or XX/XX/XXXX - and was assured they would block the merchant. This did not happen until XX/XX/XXXX and subsequently, a new charge was made to my card. On XX/XX/XXXX, when I inquired about the status of my investigation from XX/XX/XXXX, the representative did not know what I was talking about and asked which charge I was referring to. Each time I speak to someone from the company, I have to continually start at the beginning and go over information that they already have in their account notes. The fact that the company does not keep track of fraud complaints, nor follows through on their actions ( i.e., blocking this merchant in question ) is unacceptable, and extremely unprofessional. Their representatives appear incompetent, and have no ability to give answers that are not already from a predetermined script. I asked to speak to a supervisor, and was again given the run around ; the supervisor seemed to not know that my account had been flagged for fraudulent activity, and made no attempt to ascertain the status of my account. After 25 minutes of this, I terminated the call. Additionally, even getting a fraud investigation open was a hassle. I spoke to general customer service representatives 3 different times before they finally referred me to a fraud specialist. The fact that it took three phone calls before anyone bothered to notify the fraud department is also unacceptable. And when I did speak to a fraud representative, I was informed their system did not have the same information as the customer service system, and I was made to detail my entire story again.
Product: Credit card

There are inquiries from XXXX and capital one i do not recognize and did not autohorize.
Product: Money transfer, virtual currency, or money service

Cashapp has closed multiple of my accounts for trading bitcoin. I didn't break an guidelines in doing so
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a credit monitoring alert indicating that I had reached a settlement with a creditor. This is incorrect. I never agreed to any sort of settlement and my account is paid on time every month. This has negatively impacted my shore and creditworthiness
Product: Credit reporting, credit repair services, or other personal consumer reports

Well over 45 days ago, I noticed an error regarding an account " XXXX XXXX XXXX XXXX XXXX XXXX'. In fact, I noticed several errors regarding this account on my credit report. One of the errors shows late payments, derogatory status and included in a bankruptcy. One of the other error shows a balance, no late payments and included in a bankruptcy. Since both of those were paid in full, not included in any bankruptcy and had zero late payments- there are serious discrepancies and errors. Upon addressing this with both Transunion and XXXX nothing was done. I contacted the creditor who could not find any information or signed contracts regarding the accounts in question. I sent another set of letters to Transunion and XXXX asking for validation of the reporting information with zero results. Furthermore, it is my understanding that if an item disputed extends beyond 30 days, the law requires that the disputed information must be removed from the credit report. Transunion and XXXX  fail to comply.
Product: Student loan

I am on an income-driven repayment plan. My payment should be {$0.00} due to low earnings. Many times, over the phone, I have been told that I need to make one final payment and then my payment is {$0.00}. 

On XX/XX/XXXX at XXXX I spoke with a Nelnet representative and was told one last payment and then my payment goes to {$0.00}. 
I got the same response when I called on -XX/XX/XXXX at XXXX - spoke to agent XXXX XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at XXXX -XX/XX/XXXX at  XXXX and XX/XX/XXXX at XXXX - spoke to XXXX ( who stated they have no ID number to distinguish themselves ) . 

Per conversation on XX/XX/XXXX, I was told to sign and upload a income driven repayment plan. I did. This person was a supervisor and said that I do not have to pay my payment of {$60.00} due on XX/XX/XXXX. Per the conversation with XXXX on XX/XX/XXXX, he contradicted this information. He in fact told me that the PDF that I sent of my income plan was blurry. Bologna. I looked at the PDF and the quality of it is outstanding. If the document is blurry, they need to change their toner. 

I have paid the amounts they asked me to pay but they keep saying I have to pay and then it goes to XXXX, pay and then it goes to XXXX. This establishes a pattern. By XXXX saying the copy they received of my income driven plan is blurry when it is clear, suggests benign dishonesty. Altogether, this shows the company is shifty-eyed, preying on the weakness of the individual against a politically powerful corporation that doesn't bat an eye when they squeeze and squeeze because they know they can get away with it. 

I want to hold them to their word. I do not have to pay this month 's payment because I have complied and they respond with a byzantine shrug.
Product: Mortgage

Hello Fay Servicing, You are engaging in predatory lending practice, I have sent you multiple emails, fax, and website upload of the insurance declaration and yet you failed to recognize my insurance declaration, you failed to take actions to update the insurance renewal. And on XX/XX/2024 and you bought a insurance without my permission. This is unacceptable. See all correspondence.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Report act this creditor American Credit Acceptance, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not includ any report containing information solely as transactions or experiences between the consumer and the person making the report, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, Dear Equifax team, after pulling a copy of my consumer report I have noticed you are reporting inaccurate information on the account XXXX/XXXX, due to inaccurate reporting you are in violation of the FCRA and you must delete this account immediately. Please delete this account due to the following inaccuracies : Re-aging debt date last active XXXX  reports as XX/XX/XXXX, Equifax reports as XX/XX/XXXX. 
this is inconsistent and reporting inaccurately. 

Date opened XXXX  reports as XX/XX/XXXX, equifax reports as XX/XX/XXXX XXXX this is inconsistent and reporting inaccurately. 

High credit XXXX  reports {$0.00} while equifax reports {$3700.00} this is inconsistent and reporting inaccurately. 

Account comment XXXX  reports as closed due to inactivity, equifax reports as charged off. This is inconsistent and reporting inaccurately. 

I XXXX XXXX solely submit this complaint and do not consent to e- Oscar or any means of automated verification.I have attached my drivers license as proof of my identity. Failure to respond to this complaint within 30 days could result in small claims action against your company.
Product: Debt collection

Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Mortgage

I did not authorize this company to pull my credit report in XXXX. I was in the process of bying a home on XX/XX/XXXX but the buyer cancel the sale a week before I moved into the home. This company pulled my credit back than. But now they keep pulling my credit to see if I qualify and then keep sending me information about homes and saying I was qualified when I told them that I am not interested in buying a home. They keep running my credit with the previous information they have from me. This is unacceptable. I wrote them an email many times regarding this.