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

I purchased a mattress a Sam 's Club in XX/XX/2019 for {$640.00} that had a XXXX promotion of interest free for 24 months. I would not have made the purchase if it were not for the interest free for 24 months. Synchrony Bank, the issuer of the card has applied the majority of my payments to the promotion and it is almost paid off in 4 months. I have called them 4 times to reallocate the payment that went to the promotion. On the 4th call I was told to call back after the XXXX the was when the statement ends. I did call the on the XX/XX/XXXX and was told they could not reallocate my payments. 
Now the balance on my card is much higher ( over {$1200.00} ) and accruing interest to Synchrony. 
If the payments were applied fairly my balance on regular charges would {$460.00} lower and the promotion would be {$460.00} higher but not a problem since I have 24 months to pay it off. 
I value my credit and this is a hardship for me to pay my credit card off in order not to pay unfair interest.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THESE ACCOUNTS, IS NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute the inaccurate reporting of my XXXX loans by the Department of education/XXXX XXXX The information they have reported to consumer reporting agencies does not accurately reflect my financial obligations and is in violation of my consumer rights.

Despite my requests and the provisions outlined in federal consumer protection laws, the Department of education/XXXX has failed to provide validation of the debt and has not provided an official instrument of indebtedness between myself and the XXXX. 

Specifically, The Department of educationXXXX has reported items on my credit report that are not accurate and have not been properly validated. These inaccuracies are causing harm to my credit score and financial standing.

Furthermore, I request that the department of education/XXXX provide an official instrument of indebtedness between myself and the XXXX for these loans. If they are unable to provide such documentation, I demand that these loans be deleted from my credit report immediately. 

I respectfully request that the Consumer Financial Protection Bureau investigate the actions of the department of educationXXXX and take appropriate measures to address these violations of federal consumer protection laws. I also request that the department of education/XXXX be held accountable for their actions and be required to provide accurate reporting and validation of the debt as mandated by law. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this dispute. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I apply for a loan. The loan was approved. XXXX years later they tell me thats its a line of credit. I never applied for a line of credit applied for a loan. I have asked the company several times to fix this error. I have also contacted Transunion about this and made a report, I have not heard anything else about this investigation so I am reporting this for further investigation thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a request on CFPB to XXXX and Equifax. Complaint ID # : XXXX & XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code $ 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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 {$0.00}, {$25000.00}. 
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 ACCOUNT 1. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNT 2. XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account.
Product: Credit card

I recently opened Bread cashback credit card offered by Comenity bank. 

They financial institution charged me interest fee even though Auto Pay is ON.

The payment was not made due to the delay on the financial institution end.

When the required payment was not made on the scheduled due date as per auto pay in the month of XX/XX/2024, I called customer service to confirm if I need to make the payment. And, the executive confirmed it to me that NO, considering there are enough merchant credits ( refunds ), I am not required to make a payment.

When I complained about the same, the financial institution not agreeing to reversing the interest charges even though it is not consumer 's fault.
Product: Credit reporting

These Inquiries I did not authorize. i have also contacted these companies and asked for removal and they directed me back to the credit reporting companies to dispute. Some inquires were done on the same day or some companies every other day. I attached one email from a company I asked not to submit my credit to all these different banks and they done it any way. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX Apr XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Credit Card XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX All Banks XXXX Apr XXXX, XXXX XXXX XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Miscellaneous Reptg. Agencies XXXX XXXX WE Apr XXXX, XXXX XXXX XXXX All Banks XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Auto Financing
Product: Debt collection

XX/XX/2018 - Sent communication to Diversified Consultants to verify debt with original contract as I do not recall having an account with them nor XXXX. 

XX/XX/2018 - Received a letter from Diversified Consultants with a printout of the bill, however that does nothing for me as someone could have taken out this account in my name, online. 

XX/XX/2018 - I received a letter requesting a fraud affadavit. I didn't ask for this, however needed clarification before proceeding with the fraud process. 

XX/XX/2018 - Sent another letter requesting proper verification of the account. I received only a printout of the bill, however didn't get an original agreement, verification that XXXX authorized them to collect on my behalf, nor did I receive a copy of the verification documents used to confirm my identity upon activation of this account. 

XX/XX/2018 - I sent another letter requesting information again as I haven't been getting the necessary help I request to resolve this account once and for all.
Product: Credit reporting or other personal consumer reports

Re : Delinquency Notice / Civil Action Notice USPS TRACKING XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form XX/XX/219 XXXX. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

upon review of my credit report i notice the following hard inquiries for which I did not consent : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/XXXX traded my old vehicle to purchase a used vehicle. The traded vehicle was financed by Challenge Financial Services of XXXX, California. XXXX XXXX XXXX traded the vehicle and attempted to payed off the vehicle with the lien holder Challenge Financial. The contact person at Challenge Financial was XXXX XXXX who proceeded to give false, derogatory, and unprofessional information to XXXX XXXX XXXX. 
XXXX XXXX was given the wrong address to send the payoff check by XXXX XXXX. He provided XXXX XXXX, Financial Director at XXXX XXXX XXXX, with an address in XXXX, which delayed receipt of the payoff. Meanwhile Challenge Financial on XX/XX/XXXX,  deducted {$260.00} from my account and received the payoff on XX/XX/XXXX. XXXX XXXX of Challenge Financial continued to lie and say they had not received the payoff as late has XX/XX/XXXX. The tracking number ( XXXX ) from XXXX showed that they had received the payoff in XXXX, California on XX/XX/XXXX. Please keep in mind XXXX had sent the payoff the first time, on or around XX/XX/XXXX to XXXX, California and it was returned and they were forced to get the correct information from another source. This maneuver allowed Challenge Financial to take {$260.00} out of my account and receive the payoff amount as well. 
I have sent a demand letter requesting a refund of the {$260.00} as well as insisting that the payoff be reported to XXXX, XXXX and XXXX credit reporting agencies. 
This behavior is INTENTIONAL FRAUD and THEFT.
Product: Debt collection

I am being harassed by frequent, annoying phone calls. These calls are coming through on my personal cell phone. They have no permission to call my cell phone. They are waking me up in the morning and calling all through the day.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Unfortunately, my ability to secure a loan has been severely impacted by circumstances beyond my control. My personal information was compromised in the Equifax breach, and as a result, my identity theft risk score has made lenders hesitant to approve my applications. Despite my efforts to resolve these issuessuch as working with XXXX XXXX, which proved unsuccessfulI now find myself in an even more difficult position due to an unexpected lawsuit involving their services. Im unable to be a co signer for my daughter for college to help her, I have medical bills piling up due to her being in the hospital which prevented her to go to college last term and she missed out, so much. This has been a depressing situation and I have 24 hours to pay my daughters college tuition or she will not be able to go to school.
Product: Checking or savings account

On XX/XX/2023, PNC blocked our access to our checking account. We had no access to our money. PNC never reached out to us to warn us or tell us why. We have only gotten some vague explanation about a fraud concern. We have fraud monitoring through XXXX, and XXXX did not detect anything suspicious on our account. XX/XX/2023 was a holiday weekend, and PNC gave us no option for solving this problem until the following XXXX. We were without access to OUR money for the weekend. Bills that we had paid could not go through. On XX/XX/2023, we went to a PNC branch. An employee there helped us open a new checking and savings account. We are not making any complaints about this employee. It took this employee almost XXXX hours to get through to the PNC fraud department. The fraud department lifted the hold on our checking account so that we could transfer money out of the old account and into the new account. We left enough to pay some outstanding bills. The old account was kept open to receive some direct deposits that would not be in time to change to the new account. Since XX/XX/2023, we have called the PNC fraud department to have the hold lifted so that we can transfer money as it comes in. On XX/XX/2023, we transferred a direct deposit from the old account to the new account. On XX/XX/2023, PNC transferred that money back from the new account to the old account. PNC did this without notifying us, without any explanation, without our permission. PLEASE HELP! We are terrified. We don't understand what is going on. PNC is making unilateral decisions about our money without any notice to us. Again, we did not give permission for PNC to take money out of our new checking account, and move it back to the old account. We have no access to it in the old account, and that account was about to be closed. We feel very unsafe with PNC right now, and like something just isn't right. We have little hope that this complaint will do anything, but we are hoping maybe someone will read this and help us. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The United States XXXX XXXX XXXX/XXXX is also reporting 14 old student loan accounts as payment after charge off/collection. Most of those loans, if not all, are in excess of 7 years old. At no time, have I ever had any written correspondence from United States XXXX XXXX XXXX.
Product: Debt collection

Amsher Collection Services XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Attempted to collect a debt for XXXX I have no subscription to XXXX, I have no XXXX devices. 
I did not authorize or co-sign for XXXX services. 
I paid a bill for a family member. Family member defaulted on their account. 
XXXX attempted to use my financial information to collect for a service that was not my account. I only helped someone pay their bill on a limited basis.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Update to Open/Never late. 


XXXX. Unpaid balance reported as a loss by credit grantor XXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. Unpaid balance reported as a loss by credit grantor XXXX XXXXXXXX Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allegedly provides free credit report for XXXX == unfortunately, its a simple table with zero information. I require a full credit report so I can dispute an item. When I try to dispute an item, after logging in, changing passwords ( because the passwords stop working ) I ended up at an error page on the internet, or " page not found. '' Or a pay site. I'm tired of this. I tried to access the disputes, but end up going no where. So frustrated. I need the full credit report to dispute an item that is causing me great credit hardship.
Product: Debt collection

I received a letter from I.C. System Inc. last month that displayed a balance of {$180.00}, I sent a cease and desist letter advising that I wanted to communicate with the original creditor in which is XXXX. I noticed today that this account has been placed on my credit reports. In doing further research about this company I.C. System Inc. that purchased this account from XXXX, they currently don't hold a Collection Agency License, their license was surrendered on XX/XX/2010. I am demanding for this account to be removed from my credit reports immediately. They have violated the NC law that requires entities who engage in the collection agency business and or solicit debt must hold a Collection Agency License.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Discover.com These creditors has violated my rights. Under 15 USC 1681, Section 602 states I have a right to privacy. Fifteen USC SIXTEEN EIGHTY - ONE SECTION SIX OR FOUR A SECTION Two, It also states a consumer reporting agency can not furnish an account without my written instructions. 
Under fifteen USCS one six six B.

A creditor may not treat a PAYMENT ON A CREDIT CARD ACCOUNT UNDER A OPEN end consumer credit plan as late for any purpose.