23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I bought a watch at XXXX 's Jewelers, they use Synchrony Bank for their in store financing offers. I was given the option of selecting either a 0 % interest for 12 months offer or a 9.99 % interest for the term of the payment plan offer. I selected the 9.99 % offer because I was not planning on paying the watch off in 12 months and all acrued interest would hit my account if not paid in full in 12 months. I purchased the watch and started receiving the electronic bills from Synchrony. I paid several months worth of payments without checking the statements- the intial balances was exactly what I expected and the payments were not outrageous ( a little higher than I expected but I chalked it up to my mental math on the day of the sale ). 
I finally logged in to the synchrony app, 6-7 months after the initial purchase and I noticed that I was being charged 29.99 % interest on my card, rather than the 9.99 % I had requested at the time of purchase. I reached out to Synchrony and they told me that the time to dispute interest had passed and I had no recourse. I told them that this was obviously a mistake because the 9.99 % rate is advertised on XXXX XXXX 's website and it's a standard promotion that they ALWAYS offer. I asked Synchrony to escalate this issue internally as there is current proof on XXXX 's website of the valid promotion that I should be eligible for. They escalated and returned with " The store did not apply the promo when they submitted your file- reach out to the store for further assistance. '' I went back to the store where I purchased the watch and I was told that they could not do anything with regards to getting Synchrony to fix my APR and I would have to work it out with Synchrony. Synchrony should not be allowed to charge me an interest rate almost 3 times higher than what I thought I signed up for, just because a store associate made a mistake. 
My inital purchase was made on XX/XX/2022 in the amount of {$4000.00}. after 13 months of payments, I still owe {$3400.00} and I've been charged almost $ XXXX in interest when it should have been closer to $ XXXX.
Product: Checking or savings account

In XXXX, account number XXXX was hacked. Chase helped me straighten it out for it only to be hacked again 3 days later. Chase advised it would be easier and safer to open a new account. We did so on XX/XX/20 ( account number XXXX ). At that time, I was told NO more charges were to be put through on XXXX. 
Chase decided to restrict the new account ( XXXX ) and no transactions would go through. A deposit in the amount of {$990.00} was placed into the new account and held by Chase. When they finally released the money, it was {$470.00} short as they claim there were outstanding negative balance on the old account XXXX. There should NOT have been an old balance as at the time of opening the new account, that account was at a zero. Again, I was assured that no new charges would go through. I have a paper from Chase stating that.

I've spent over 30 hours on the phone with Chase, no one wants to listen and no one will help.

I've taken my complaint to the executive offices and they claim to help but, do not return calls when promised and are not much help, at all. 
I'd like my money that Chase should not be holding.
Product: Credit reporting or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX  days before the payment due date. Included also, all the information required by sections 1637 ( b ) of title 15.

If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified in the bottom ( lacking reasonable procedures to ensure the accuracy of my account ) and i would timefore request that you remove the late payments from my accounts and consumer report with the following consumer reporting agencies and updated the accounts to positive. 
The account is XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XX/XX/2024 To whom it may concern I saw furnishing of multiple negative accounts on my consumer report. I am requesting an assignment contract for validation of the alleged debts pursuant to XXXX5 U.S. Code 1692 ( g ) The accounts are listed below XXXX # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Provide me with the following information The assignment Contract The amount of debt Proof that your company sent me a statement assuming the debt to be valid with proof of tracking I was never notified with the following statement to dispute this debt within 30 days so 30 days is starting now.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX Account Balance : {$33000.00}.
Product: Credit reporting or other personal consumer reports

TODAY I RECEIVED AN ALERT ON MY XXXX REPORT TODAY STATING THAT THERE WAS AN UPDATED ADDRESS ON MY CONSUMER FILE. THE ADDRESS IS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. I HAVE NEVER LIVED AT THE ADDRESS NOR DO I CURRENTLY LIVE AT THIS ADDRESS. MY CURRENT ADDRESS IS XXXX XXXX XXXX, XXXX, XXXX XXXX ; MY MAILING ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. THERE IS AN ACCOUNT ASSOCIATED WITH THIS ADDRESS. THAT ACCOUNT IS WITH AFFIRM INC | ACCOUNT. NUMBER XXXX XXXX Date opened XXXX Status Account charged off. {$120.00} written off. {$120.00} past due as of XX/XX/year>. I SPOKE WITH XXXX TODAY AT AFFRIM AND SHE STATED THIS WOULD BE ESCALATED TO THE APPROPRIATE DEPARTMENT. PLEASE REMOVE THIS INFORMATION FROM MY CREDIT FILE EXPEDITOUSLY. I AM THE RIGHTFUL OWNER OF THIS FILE AND THIS INFORMATION IS FRAUDULENT INFORMATION. ENCLOSED : XXXX DRIVERS LICENSE, PROOF OF ADDRESS, FTC REPORT AND AFFIRMATION OF TRUTH
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Your 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 listed below. 

US DEPT ED XXXX ; XXXX XXXX ; XXXX   XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; XXXX XXXX XXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX   XXXX ; NAVIENT XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 11 XXXX XXXX XXXX ) XXXX ; XXXX ( Original Creditor : 05 XXXX   XXXX XXXX XXXX XXXX ) XXXX ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ; XXXX XXXX ( Original Creditor : XXXX ) XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; US DEPT ED XXXX ; US DEPT ED XXXX ; DEPTEDXXXX XXXX ; DEPTEDXXXX XXXX ; XXXXXXXX XXXX ; XXXX  XXXX  XXXX XXXX XXXX ;
Product: Debt or credit management

I called to consult with them I was behind on credit cards, they made it sound like basic credit consolidation, however I had to sign contract while on the phone, make a payment that day, had no time to read contract, I did not know any of the details of the contract, that is straight manipulation. I made payments for a year and a half, they still had not paid off XXXX out of XXXX cards, so I called to pay a lump sum pant of $ XXXX, to hurry the process along, they told me it didn't work like that, and that I had to keep making them payments, and was like what for, I just paid you XXXX .... I was like no way you can pay yourself out of the money I have paid you this feels like a scam, you have tanked my credit, and we are no further than we were. My XXXX  had just died, I could not work for almost a year, I feel like I was preyed upon and manipulated, I don't even know if I can cancel. People need to know what they are entering into. I've included screen shots XXXX  years in and XXXX XXXX  does not make sense to me.
Product: Checking or savings account

I had a bank account with Simple Bank which was under the parent company of BBVA USA. I had good luck with Simple for years but it was recently closed by BBVA prior to XXXX acquiring BBVA. This acquisition has been a total disaster for those with Simple accounts. During the transition from Simple to BBVA Simple account holders were unable to access their accounts for multiple days. After that was fixed, Simple account owners ( now BBVA account holders ) were unable to transfer money out of their accounts to external banks and that continues to be the issue. The acquisition of BBVA to XXXX has been completed, but BBVA account holders are in a weird limbo where the only way they will allow us to close our accounts is if we get a notarized letter and fax it to some random fax number with all of our personal and banking information ( unclear if there's any sort of security around this, they said there was but could not elaborate ) and wait 2-3 weeks for a cashiers check. I have also been told that I can transfer {$5000.00} per MONTH out of the bank, but that there will be a fee anywhere between $ XXXX {$50.00} dollars. This bank is a scam.
Product: Credit reporting or other personal consumer reports

The credit reporting agencies are reporting an incorrect balance and percentage of credit card usage on my reports which is a clear violation of the FCRAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the charge should immediately be credited to my credit card account along with a credit for all interest & fees that I have been charged by XXXX XXXX for this fraudulent charge by 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 should undertake to communicate with the credit reporting bureaus immediately to completely clean up all incorrect reportingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX should compensate me as a consumer for their actions, pursuant to the Fair Credit Reporting Acts ( FCRA ). 

My dispute is with Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXMerchant name - XXXX  XXXX XXXX XXXX XXXX XXXX shows on the charge on my account Transaction amount - {$420.00} Transaction date - XX/XX/XXXXXXXX XXXXXXXX XXXXReason for the dispute - When I arrived at the Airport car rental counter in XXXX XXXX the agent told me that my car was not ready. I had made a depositor the rental, which was apparently processed when I arrived at the counter without my permission. I waited around for 2 hours, while the agent did a number of things such as trying to charge my card more than the balance of the rental charge. Ultimately, XXXX did not provide me with acar and should not have billed my card. I never received a rental car XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My account was originally credited for the {$420.00} charge in XXXX of XXXX. However the charge was putback on my card in XX/XX/year> - 2 months later with no communication from XXXX XXXX
Product: Debt collection

I have sent this company, several letters asking for validation, if they had the right person, the right to collect in my city and got nowhere, no response to the letters, I sent a letter and asked them to cease and desist, contacting me and and stop reporting on my credit report and they are reporting inaccuracies, the company contacted me afterwards after I asked them not to!!!!
Product: Mortgage

Seterus failed to pay real estate taxes from the escrow account. I have ceased paying into the escrow account, have made XXXX real estate tax payments on time, paid home owners insurance. I have paid all mortgage and interest on time. At this time, Seterus owes me {$5700.00} which far exceeds the amount they are reporting delinquent. Every transaction in the escrow account is wrong. I have presented them with documentation and have a complete file I can provide you with. 

They continue to threaten for closure and have reported me delinquent to the credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need this account deleted or updated. 
This is the item I demanding to be deleted immediately : XXXX Please remove this bankruptcy from my Public record XXXX Please remove this bankruptcy from my Public record
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you 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. Your 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 listed below. 

XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ;
Product: Debt collection

This was a workman 's comp case, and they were aware of that. I submitted them the comp case number the insurance company and my attorney 's phone number, they still sent out a 30 day notice and then sent me to collections. This debt was paid in full by workman 's comp insurance company. The collections company is aware that it has been paid in full.and yet this still sits on my credit report. I need this to be removed ASAP,
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX identify as a natural person and consumer. My federally protected consumer rights have been violated pursuant to 15 U.S.C 1681 Permissible Purpose of credit reports. The Fair Credit Reporting Act has been put in place to ensure that consumer reporting agencies maintain fair and equitable reporting. The attached letter contains accounts that are not fair and equitable to me as the consumer. I sent the attached letters XX/XX/2021 and I have yet to receive any response from the consumer reporting agencies listed. Please investigate this issue immediately. I am prepared to seek all proper remedies in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of Inquires listed on my Credit Report that I did NOT authorize are as follows : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX  XX/XX/XXXX 7. XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XXXX XXXX  XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XX/XX/XXXX 12 . XXXX XXXX XXXX XXXX  XX/XX/XXXX 13. XXXX XXXX XXXX XX/XX/XXXX 14. XXXX XXXX  XX/XX/XXXX 15. XXXX XXXX XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XXXX XX/XX/XXXX 19. XXXX XX/XX/XXXX 20. XXXX XX/XX/XXXX 21. XXXX XXXX XXXX XXXX  XX/XX/XXXX 22. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

XXXX accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights In accordance with the Fair Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the late accounts that are reporting on my Credit Report : XXXX {$75000.00} XXXX {$39000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a late payment in XX/XX/2019 on the XX/XX/XXXXXXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned this vehicle ( 2 ) weeks after it was purchased. A full refund was given and therefore there was no outstanding debt to report and therefore no late payments to report. This incorrect reporting of a late is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill the legal obligation under the fair credit reporting act to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging, systematic issues such as failing to forward consumer provided evidence to furnish, accepting unreliable responses, and failing to inadequately notify consumers of disputes outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing, and I am requesting immediate corrective action to remove XXXX the disputed accounts, as Experians inaction violates federal law, and my rights as a consumer.
Product: Checking or savings account

A XXXX Dollar charge was made to XXXX XXXX XXXX in XXXX pa. in which an investigation needs conducted that's fraud roughly 5 years ago. 
XXXX. Was lost to XXXX XXXX and XXXX. Was lost to XXXX XXXX. 
XXXX at XXXX XXXX XXXX nc. is supposed to be working on this. He is not!! 

Next is M and T bank XXXX. Was unauthorized fraud transaction at XXXX XXXX, pa by XXXX XXXX XXXX XXXX XXXX XXXX XXXX They should have whole transaction on CAMERA!! 
M And T headquarters is in XXXX new York!! Please contact them!! 

NOW, XXXX IS NOT CREDITING MY ACCOUNT AND BRINGING IT UP TO XXXX. I HAVE TRIED TO FILE FRAUD CLAIMS. AND THEY ARE TAKING THIER SWEET TIME!! 
HEADQUARTERS NEEDS CONTACTED!! Please! 

On Thursday. Of last week I got XXXX XXXX XXXX XXXX XXXXXXXX. Trying to get XXXX. Drs here in u..s WILL NOT ORDER IT!! SO I AM TRYING XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX IN XXXX. 
THAT IS GOING TO XXXX COST!! 
PLEASE HELP!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX ( XXXX ) XXXX, to do foundation work. They quoted me XXXX $ on XXXX They told me to GreenSky A Goldman Sachs company, to pay. GreenSky supposedly sent, XXXX, deposit for a XXXX $ job, to start the job. XXXX was suppose to do the job on XXXX and XXXX. There was a no show. I immediately called acculevel, they gave me the run around. Called GreenSky to get money back. They said no refunds, only a 3 day window.
Product: Credit reporting or other personal consumer reports

I didnt authorized those hard inquiries that is fraudulent. 

XXXX XXXX XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX XXXX bank XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX