23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Issue : Deceptive, misrepresentation of terms of finance by CareCredit/Synchrony Banks acting agent at the time : XXXX XXXX XXXX XXXX, XXXX XXXX. 
Sub-Issue : I neither received by postal mail an explanation of credit card terms of finance nor any communication by telephone of credit card terms of finance from CareCredit/Synchrony Bank. 
Sub-Issue : CareCredit/Synchrony Bank never enrolled me directly although the transaction amount was greater than {$1000.00}. 

I am disputing the {$750.00} of interest added to principal balance. 

The problem is that upon the date of XXXX service and enrollment in CareCredit/Synchrony Bank ( XXXX ), the XXXX office claimed that the costs of the procedure could be financed by CareCredit at 0   % annual interest along with a monthly principal payment that would pay off the balance in a couple of years. I wholly relied on the XXXX office representatives oral explanation and, thereafter, monthly payments were auto-drafted from checking. However, at the end of XXXX, I looked further to discover that the promised 0 % annual interest is really 26.99 % APR, the terms are really interest-deferred for 18 months, at which time, the accumulated deferred interest of {$750.00} from month one through month 18 is applied to the remaining principal balance. 

On XXXX, I called CareCredit/Synchrony Bank requesting records. The representative emailed back a copy of the Credit Card Agreement ( see attachment : CareCreditSynchrony Terms XXXX ). Please note that the copy of the Credit Card Agreement provided is dated XX/XX/XXXX ( see page 1, top right corner, 3rd line ) which is about 20 months after the fact ( XXXX ). 

On XXXX, I paid off the entire balance of {$1600.00} ( see attachment : CareCredit scheduled payoff XXXX ). 

I wish my XXXX office would have never tried to sell me on financing my procedure in the first place. I never asked for financial assistance and would have never agreed to a deferred interest product especially since my credit score is over 720. I only took the offer because I wanted to build my credit history for when I buy a home.
Product: Debt collection

I sent a letter to Trident Asset Management requesting that they validate not verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and other support documentation. They provided me with nothing which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted.
Product: Mortgage

Made XXXX payment on XX/XX/XXXX, through XXXX XXXX Bill Pay system with an expected delivery date of XX/XX/XXXX. The payment was applied by the servicer on XX/XX/XXXX. Mortgage payments are made in arrear so this payment should be credited for XX/XX/XXXX and its mortgage interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, Equifax and XXXX  about two accounts that show different info on all 3 reports. I ask to have the two accounts validated Because I don't believe it is mine nor do i believe the account is a valid one since none of the info matches across all 3 reports.They are all failing to report accurate information which means they need to delete these account from my credit profile by law. 

Please see documents uploaded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX XXXX
Product: Student loan

XXXX is my second language. I have a friend entering this information for me. 

I cosigned two student loans with Citizens Bank in XX/XX/XXXX. I cosigned one loan in the amount of {$2900.00} for my sister XXXX XXXX and cosigned another loan in the amount of {$11000.00} for my sister XXXX XXXX. XXXX is a XXXX XXXX XXXX for fall & spring semester. My understanding was that both loans had no payment due. 
In XXXX I got a call from Citizens Bank stating I would soon be 90 days past due on the account for XXXX. I never received any bills, calls or notices for this student loan being due. 
I called XXXX on XX/XX/XXXX with help from a friend, XXXX XXXX - we spoke with XXXX at XXXX XXXX XXXX about why that loan was in repayment. We were told that when we filled out the loan paperwork at Citizens Bank - a box was checked stating I wanted to make payments right away on XXXX 's loan and a box was checked to defer on XXXX 's loan. Also XXXX XXXX stated that email communication was checked on the application therefore all payment notices were sent to student 's email even if the loan was co-signed for. The Citizen Representative filled out these forms for us and this was an obvious mistake. 
This was new information to me. XXXX is a XXXX XXXX XXXX beginning a 4 year program. She was in school full time from XX/XX/XXXX and is enrolled full time for the spring semester XXXX. 
We called back again to XXXX XXXX and spoke with a XXXX. We described what we had learned and he said we needed to fill out a School Verification form proving that she had been full time, then take it to the school XXXX XXXX XXXX and they would complete it, then forward it to XXXX XXXX proving she was a XXXX XXXX XXXX. Once that was completed they would reverse the late charge reporting. 
XXXX sent us the form XX/XX/XXXX and it was filled out by the school on XX/XX/XXXX and sent to XXXX XXXX. 
Today XXXX we checked with XXXX to see if the lates charges were removed. They were not removed. We called XXXX XXXX today and spoke with XXXX. He said they had received the school verification form from XXXX BUT he stated very clearly that the reporting can not be reversed even though a mistake was made at the Citizen 's branch. 
My credit score with these two late payments has dropped my credit score 90 points and I am trying to reduce my housing payment by {$300.00} through a refinance and now can not do it.
Product: Vehicle loan or lease

The amount that was financed is wrong and they are. Also representing late payments thats incorrect
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies I discovered in my consumer report. Specifically, there are instances of late payments reported for the following account : Account Name : [ XXXX XXXX ] I would like to bring to your attention that I have always maintained timely payments on this account and have never missed a payment. It is crucial that consumer reports accurately reflect payment histories, as they have a significant impact on individuals financial standing. 
I urge you to promptly update my report to reflect the accurate status of these payments as on-time. 

I trust you will address this matter with the seriousness it warrants and respond in writing within the legally allotted time frame as required by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

This inquiry does not belong to me and I do not have any services with this company.
Product: Prepaid card

I have had my DasherDirect card for over a month. Today XX/XX/year> I made a return at XXXX. They processed my return and I immediately saw the balance back on my card. At checkout however the card was declined for insufficient funds. I checked my account anf XXXX had taken my refund away and put it in Pending status. XXXX said the refund was already processed but XXXX XXXX XXXX merchant has not finished processing the refund and I should wait a week. XXXX different explanations and no reason why they are holding my refund money. And they want me to verify my own account with information I never provided during setup. I had no idea what they were talking about so they locked me out of my account until I can verify it.
Product: Credit reporting or other personal consumer reports

FIX YOUR CREDIT YOURSELF AND SAVE MONEY Step XXXX Credit Bureau investigation letter [ Your Name ] [ Your Address ] [ City, State ZIP Code ] [ Date ] [ Credit Reporting Agencys Name ] [ Credit Reporting Agencys Address ] [ City, State ZIP Code ] Re : Investigation Request for Inaccurate Credit Information Dear [ Credit Reporting Agencys Name ], I am writing to formally request an investigation into the accuracy of certain information on my credit report. After reviewing my credit file, I have identified discrepancies that I believe require your attention.

The details of the disputed information are as follows : 1. Account Name : XXXX  XXXX XXXX. Account opened:XXXX XXXX. Nature of Dispute : account dont belong to me not my address associated with account. 
I kindly request that you conduct a thorough investigation into the validity of this information. Specifically, I ask that you : XXXX. Verify the Accuracy : Confirm the accuracy of the reported data with the creditor. 
Provide evidence supporting the validity of the information. 
XXXX. Correct Any Errors : If any inaccuracies are found, promptly update my credit report to reflect the correct details. 
XXXX. Provide Written Confirmation : Once the investigation is complete, send me written confirmation of the changes made to my credit report. 
I understand that the Fair Credit Reporting Act ( FCRA ) grants me the right to dispute questionable information. I appreciate your attention to this matter and your commitment to maintaining accurate credit reporting. 
Please respond within 30 days from the date of this letter. You can reach me at [ XXXX ] XXXX or [ XXXX ] if you require additional information. 
Thank you for your prompt attention to this request. I look forward to a posi
Product: Checking or savings account

XX/XX/XXXX Ally Bank The 1099 INT that was given to me for the year XXXX is wrong. I did call Ally but the person on the phone did not want to hear what I had to say and hung up on me. Allys CD calculated interest is posted ( added to the total ) at the end of the CD term. The CD accrues interest daily and is stated on the monthly statement but is not added to the balance. The 1099-INT that Ally gave me is for the total interested added to the CD at the end of the CD term not the actual interest earned for the year XXXX. As seen in the bank statements provided. I earned {$940.00} from XX/XX/XXXX to XXXX XXXXXXXX year. It clearly states on my bank statement for XX/XX/XXXX the interest I earned for the year XXXX is {$320.00} not {$940.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX {$9700.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Mortgage

My mortgage was sold from XXXX XXXX to Fifth Third Bank. I received a notice from XXXX XXXX but have not receive any communication from Fifth Third Bank. Even though I received no new notifications, I contacted the bank because my home insurance and tax payments were in Escrow. After contacting the bank 5+ times I still have received no notifications or bill for payments. They also have not paid my home insurance and presumably my taxes from my Escrow account. They instead told me that the Escrow was still with XXXX XXXX, which of course was untrue. 
I 've taken three trips into the new bank to get the information set up, each time being assured that it was fixed. However according to my insurance agency they still have n't received the information from the new mortgage owners.
Product: Debt collection

Dear Sir or Madam : As I already reported via XXXX, I am the victim of identity theft. I am writing to dispute a fraudulent charge on my account in the amount of {$420.00}, I am a victim of identity theft, and I did not make this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. 
Pursuant to federal law, I am requesting that you provide me and/or the listed Law Enforcement Designee, at no charge, copies of the transaction details and business records in your control relating to the fraudulent transactions. A copy of the relevant federal law is enclosed
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.
Product: Vehicle loan or lease

Chase auto finance is reflecting negative late payments on my credit report. Stated below I have attached the laws that DO NOT state that they are allowed to report late payments on my credit report. This is a closed paid in full loan. And I would like the late payments to be reversed on my credit report as they are reporting negativity. 
15 U.S. Code 1681a - Definitions ; rules of construction | U.S. Code | US Law | LII / Legal Information Institute ( XXXX ) 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) i ) - EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) subject to section 1681s-3 of this title, any ( 0 ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have reeived 4 phone calls a day from this debt collector with the below # 's 2 this morning and the additional I have kept phone records of all incoming calls. They are all from the same company. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
XXXX XXXX XXXX from EGS Finacial Payer XXXX Called me and mispronounced my name after I advised her that it was mispronounced she then disclosed that I had a past due balance that needed to be paid disclosed the full amount advised on the payment required before she even verified she had the correct party no verification via XXXX XXXX or DOB. JUST NAME AND FULL Disclosure of debt owed and payment ammount needed.
Product: Credit reporting or other personal consumer reports

I requested that following addresses be removed as I have been a victim of fraud : XXXX XXXX XXXX XXXX XXXX and XXXX, XXXX MD XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD I also requested to have my former employer removed due to fraud ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX
Product: Debt collection

This debt collector represents an inactive debt and is duplicate reporting. XX/XX/2020. XXXX XXXX XXXX. {$1200.00}
Product: Payday loan, title loan, or personal loan

On about the XX/XX/XXXX ( morning ) I called XXXX XXXX and asked for a {$3000.00} loan to pay a couple credit cards off. In the afternoon they called back and said my loan was approved. When I get there their associate has a check for {$4000.00} and I told him I had asked for {$3000.00}. He said " do n't worry about it, bring it back if you do n't need the extra XXXX ''. Quite enticing. When we began the loan procedure he marked my loan application with a higher yield for instance : my car was worth {$2000.00} ( XXXX XXXX XXXX ) with a couple dents on it, said I owned 2 flat hd screen TV 's ( I do n't ), put down I had a computer and a lap top ( I do n't ), he never received the pink slip to my car before he gave me the loan, ( he just seemed to be in a hurry to get my loan approved with or without a pink slip ) never once mentioned the interest on the loan and put a lien on my car before the first payment was due so I could n't even get my tags. I 've email their headquarters in Georgia and never once got a reply. I sent letters to the manager in XXXX, California and never got a reply. I received a letter ( it took almost to two months ) from the manager of L.F. in XXXX yesterday asking me to come in because I have n't send them a payment. I just feel this associate took advantage because my credit rating is getting better and it 's taking me a while to accomplish that and now this person is going to XXXX it up as it were. I 've never done this ( good experience ) before probably because I do n't like doing this to people but I also do n't like being taking advantage off. I 'm XXXX years old, I 'm a Veteran, and live alone please consider my complaint it would be highly appreciated. XXXX XXXX.
Product: Credit card or prepaid card

fraud charge by XXXX and XXXX {$1000.00} i terminated all services .... XX/XX/2019 the manually entered my acct number for XXXX this is fraud ... issue credit and interest charges due to fraud,
Product: Debt collection

I dont know these people their on my credit report. I still go to XXXX XXXX XXXX I pay my debts so this shouldnt be on my credit report. I never hear on the company, no verification of debt. Who theyre collecting for or nothing. Their just reporting inaccurate information for nothing.
Product: Credit reporting or other personal consumer reports

Filed many disputes for almost a year now with Consumer credit bureaus and sent Santander letters since XX/XX/2023. Has not be resolved per my countless request.