23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony bank began charging paper statement fees without my knowledge on my XXXX XXXX account. Of which, I have not received a physical statement in a long time. My account is setup for autopay through my bank to the terms I agreed to at purchase. I am on a deferred interest plan for $ XXXX for XXXX  years. I pay {$50.00} a month. I did not receive notification of the term changes until I spoke with a representative on XX/XX/24 regarding my concern as to why I was being charged late fees when Ive paid the {$50.00} on time each month. I asked for them to remove the fees, which the agent agreed to after a long discussion. She offered to credit {$41.00} which was more than the {$30.00} late fee, interest, and statements fees to date. I agreed. She also advised me my account was in good standings and to check in XXXX hours for my account to reflect the corrected balance. I checked 2 days late to find my account had not been credited as promised, and an additional late fees, statement fee, and interest had posted. I reached back out to Synchrony and was met with resistance. I finally spoke with a manager who stated he would post an additional {$41.00} credit for the new late charge. I have yet to see anything get credited back to my account. I have went ahead and paid what they say is past due and have signed up for electronic statements in their system even though I have not received correspondence from synchrony in months.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX, CA XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/1960 I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Santander stated they were removing this debt from my credit report during their settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired onXX/XX/2020, SANTANDER CONSUMER USA Inquiry :XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.
Product: Credit reporting or other personal consumer reports

Following the Fair Credit Reporting Act, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX has violated my rights. 

XXXX XXXX. XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX. XXXX section XXXX A Section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX. XXXX. ( a ) ( XXXX ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information : accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I am a victim of identity theft and did not make the charges. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions identity theft affidavit.
Product: Student loan

The owner of my debt does not have my social security number or date of birth. They can not prove this is a valid debt, but they continue to harass me every month, although they have admitted my social security number and birthday match no files in their system.
Product: Payday loan, title loan, personal loan, or advance loan

On three separate occasions I sent correspondence to the company requesting the following : original contract w/my signature, to renegotiate the terms of contract, the interest, and length of contract due. All due to me experiencing unemployment and underemployment. 
The company ignores my correspondence by not responding. Instead, the company will send an email each month stating that since I did not meet the loan payment agreement, the total amount due is now " accelerated '' and the " length of the payments '' noticeably increased from 60 to 73 on the contract I viewed online. 
My complaint is I am a victim of a " predatory lending '' including high interest rates and fees inflated with big balloon payments and inflated interest rates. 
On XX/XX/XXXX The initial loan was {$4.00}, XXXX with 36 months to repay bi-weekly {$200.00}. 
Years : Starting XX/XX/XXXX ending XX/XX/XXXX. 
As of today, I am experiencing high prepayment penalties of an accelerated loan after being lured into a guaranteed approval of this loan despite having a low credit score and an advertisement of fast funding, flexible terms, and completing what was described as a simple on line application. Most importantly, the company will not send me the original contract. On the other hand, I was able to go online and view a contract with the information listed below : Loan Status : Accelerated Loan Principal : {$4500.00} Outstanding Balance {$9100.00} Overdue Amount {$9.00}, XXXX Interest Rate 98.21 % Finance Charge {$10.00}, XXXX Total payments 73 Total Amount {$14.00}, XXXX on a loan of {$4500.00}. Nevertheless, I have already paid a total of {$4400.00} -- 10 months -- XX/XX/XXXX thru XX/XX/XXXX bi-weekly {$200.00}. 
XXXX XXXX # XXXXXXXX XXXX XXXXXXXX Account ID XXXX. 
At the time of the loan I was living in XXXX and I requested the loan when my XXXX XXXX XXXX  in the state of XXXX, XXXX XXXX XXXX XXXX XXXX, and used the loan to higher movers to move me to XXXXXXXX XXXX, I was unable to find housing in XXXX and rented a house in XXXXXXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan Co. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, TX XXXX I purchased a used vehicle in XX/XX/XXXX, while I was on XXXX XXXX with the XXXX XXXX. I became delinquent ( as a result of some family trauma ) in XX/XX/XXXX. On my credit report from Experian dated XX/XX/XXXX # XXXX It specifically reflects the date of purchase, my 1st delinquency ( XX/XX/XXXX ) and for the next 11 months it reflects continual delinquency per their 'legend '. The truth of the matter is that I NEVER became current with this account, and the car loaner ( XXXX XXXX XXXX Acct. #  XXXX ... ) claims that I have, but even on the report itself, it lists extremely limited info, to include XXXX balance, dates/times/ etc. 
For a company that claims I became current refuses to send Experian, to include the others, any information on my account whatsoever. However they are only giving them information back to XX/XX/XXXX instead of XX/XX/XXXX, so  that they can claim to use that year, to establish the 7yr requirement. 
I have provided numbers documents and photo copies requesting that this account SHOULD HAVE BEEN REMOVED XX/XX/XXXX and they continually claim I became current with no information provided by XXXX. Please, review my information I upload, and assist me with having this account ( that is now almost up to 2yrs ) to be removed from my account, one and for all. 

Former Experian dispute ( with no changes afterwards ) account # 's  XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX ) ** and several others that I can not retrieve quickly. 

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

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

09 XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX Account Number : XXXX XXXX/XXXX   Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX   Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

I accepted a " deferral '' of payments on my account which was, according to law, the help a mortgage servicer is supposed to provide during the pandemic. After a couple of months I received what they call an " annual activity statement '' showing some adjustments in my principal balance resulting in an increase of about the equivalent to the 3 moths that were being deferred. The statement was followed by a letter that according to them explained the terms of this " helpful program '' confirming that the principal balance had increased and that the total amount equal to the payments for 3 moths would be due upon maturity or payoff of the account date. 
I never agreed to these terms and never was clearly informed of these additional charges. This is in no way helping me. Again! Additional charges that aren't supposed to help the consumer during a worldwide pandemic. 
After a couple of attempts to get a clear explanation from SPServicing, I still don't understand how can they increase the principal amount by $ XXXX and just suggesting to try to file a complaint because they can't do anything after they discussed it a couple of times with me over the phone. 
The way I see it, they're just trying to make money from its customers out of the very particular and difficult situation thousand of people are going trough. Deferred to my knowledge, means " postponed '' and to any regular individual this means making those 3 or 4 payment at a later date ... not making them twice! This is illegal and they just claimed I accepted it. Not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted this complaint 7 times CFPB & XXXX/EQUIFAX/XXXXXXXX are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever reason, Im beyond annoyed. The following accounts listed below were opened due to identity theft. Ive provided you ( CFPB ) & XXXX/EQUIFAX/XXXX cred with FTC Fraudulent report support my position. It seems XXXX/EQUIFAX/XXXX  are violating FCRA section 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful non complying and being truly negligent. Id like these account removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount emotional & physical distress. Its caused me restless night & has caused me to miss work. My attorney told me I should just sue for violation in FCRA laws. Id prefer to NOT get litigious. Please see this matter handled. Id like the accounts REMOVED per 605b with the attached documents again. Thank you 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
Product: Money transfer, virtual currency, or money service

Western Union refuses to perform due diligence regarding 3 refunds/cancelation it has been. Over 45 days and I have yet to receive refunds from my wire transfers that was returned/refused from my biller/creditor
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found random late payments on my credit report and plus the balance is completely reporting wrong among the 3 credit bureaus. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to purchase tickets for a XXXX XXXX concert from a seller on XXXX. The seller sent me a screen shot of the tickets, which matched the description on XXXX and advised that he would transfer them to my XXXX account upon receipt of payment. I used XXXX, which is available within my USAA mobile banking app, to send {$180.00} to the seller 's email address : XXXX. The seller, with whom I was communicating solely via email through XXXX, then stated that he was was not seeing the payment and asked that I try again. I immediately became suspicious, sent him a screen shot of the transfer confirmation from my USAA app, and asked that the seller immediately transfer the tickets to my XXXX account. The seller stopped responding and I knew it was a scam. I promptly called USAA and asked that the transfer be reversed. A ticket was opened to investigate the disputed transfer, but I received an email on XX/XX/2019 stating : " Thank you for your patience while we investigated your Send Money transaction dispute below : Dispute date : XX/XX/2019 Disputed amount : {$180.00} Recipient 's name : XXXX XXXX Transaction date : XX/XX/2019 Transaction amount : {$180.00} Confirmation number : XXXX We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. If you have questions or would like to request copies of the documentation or information we used to make this decision, please call us at XXXX ( XXXX ), our mobile shortcut # XXXX or XXXX. We value your business and the opportunity to serve all your financial needs. '' Having now researched the matter further on my end, I understand that the major U.S. banks are all offering and promoting XXXX as a money transfer service, but are failing to provide any purchaser protection. As a result, XXXX has become inundated with scammers and fraudsters. The banks must know this and are failing to protect their customers. I find this unacceptable and ask that the CFPB investigate the matter and take action. There are a number of ways the banks can protect purchasers who use XXXX, including not releasing funds to the recipient until confirmation that goods/services were delivered.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account has never been late ... grave errorsfalse claims and reportingI want the late payments on this account removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation and names of verifiers associated with this account. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Product: Credit card or prepaid card

I had a trial subscription to a newsletter from XXXX XXXX. He runs a site his view of investments and the stock market. The invitation clearly showed that if I was unhappy and closed the account before the end of 30 days, my {$99.00} would be refunded. I cancelled the account before 30 days were over, but they company said that they no longer offered refunds. I filed a dispute with Citibank, which owned the card that I used to for payment .I received an email from Citi this week. The email said that they needed more information and referred me to their website. There was no information at the website. I called up Citi and  they told me that the information would not be available until Monday, even though the email did not say anything about this. THe agent told me that I could send the info by email They needed the letter of cancellation and the invite that showed they offered a refund. Unfortunately, the agent gave me an email address that does not work. I am tired of spending all time needed to get Citi to respond to this dispute. I just called Citi again and their computers are down now. Their service has deteriorated dramatically.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account with inaccurate information. XXXX  payments that were made on time are not being reported accurately. The consumer reporting agency is required to report all information accurately. This account has never had late payments. 

I have attached a copy of my report to this complaint. I am requesting an investigation and verifiable proof showing records of any late payments. If this information can not be verified, I demand that these payments be updated to reflect their XXXX  status immediately.
Product: Credit card

I deposited {$2100.00} in a Capital One Short Pump ATM machine ( Besides XXXX XXXX ) on XX/XX/2023 at around XXXX XXXX. The money was a payment for my Credit Card so that I could get the credit limit right back. 

The ATM errored out and spit out {$600.00} but took the remaining {$1500.00}. The {$1500.00} was not credited to my account. 

Capital One is informing me that it may take upto 2 billing cycles to find the missing payment. I have reached out to Capital One representative and told them this has happened to me towards the end of the month, {$1500.00} covers my mortgage payment, yet they are unable to help me escalate this issue or expedite any of the process involved
Product: Credit reporting, credit repair services, or other personal consumer reports

I called GreenLink Financial regarding a Flexible Personal Loan offer I received in the mail at XXXX. I was told I had conditional approval and that they need it to go over some information. I was transferred to the person named XXXX. He took my personal information and said that they will do soft credit check and will call me with approval in an hour. He asked for last 4 digits of my SS #. The call back never happened. XXXX gave me his direct number and told me he will call me within the hour. I was asked if I give him an approval to for a soft credit check. I tried to call back at his direct phone number at ( XXXX ) XXXX but the phone doesn't work. I also called the general number from the offer I received and I was unable to connect with anybody. I placed fraud check on my credit reports and locked the reports since then. I am concerned about being a victim ID theft and financial fraud. 
This appears to be a scam and fraud. 
The phone call took place on XX/XX/19 at XXXX EST.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX XXXX XXXX Inaccuracies Charge-Off Status and Payment History : o Both TransUnion and XXXX list the account as " Charge-off '' with a balance of {$16000.00}, but there is no explanation for this status. 
o The payment history does not show late payments leading up to the charge-off. 
XXXX. Inconsistent Reporting Across Bureaus : o XXXX : Provides no data for this account, resulting in an incomplete report across all bureaus. 
XXXX. Future Reporting Dates : o Last Reported : TransUnion and XXXX report a " Last Reported '' date of XX/XX/XXXX, which is a future date and violates the FCRA 's timeliness requirements. 
XXXX. Resolution of Consumer Disputes : o Both bureaus mention a prior dispute with comments such as " Dispute resolved reported by grantor '' ( TransUnion ) and " Account previously in dispute now resolved '' ( XXXX ), but no resolution details are provided. 
5. High Credit vs. Balance Discrepancy : o High Credit : {$27000.00}.

o Balance : {$16000.00}. 
o While this discrepancy XXXX not be inaccurate, it requires clarification. 
XXXX. Date Last Payment vs. Date Last Active : o Date Last Payment : Listed as XX/XX/XXXX. 
o Date Last Active : Listed as XX/XX/XXXX. The date discrepancy requires correction or clarification. 

Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement.

3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed.
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with EQUIFAX. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.