23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The multiple choice questions are not really relevant to my issue. But I want to make a complaint about Synchrony Bank. My issue is that they eliminated the ability to pay online and will only take our payments over the phone or via mail. Also they do not email a receipt I was told that I would have to send out a letter to a PO Box to request a statement. They have sent our account to a collections agency and ruined my credit. I will admit we had gotten behind by 4 months waiting for an unemployment check because of COVID. I called them asking about the financial hardship programs that they have on there website and the agent was very rude and would not discuss options to catch the account up and was unwilling to set us back up to a monthly plan or have the ability to check our account online and pay the amount off that way.
Product: Credit card or prepaid card

On XXXX XXXX several fraudulent charges appeared on my card ending with # XXXX. I was issued a new card with a new account number ending in # XXXX. I made several charges on my old card for a XXXX XXXX  which I had to cancel. XXXX refunded the money on XX/XX/2022 to the account ending in # XXXX in the total amount of {$13000.00}. We also had XXXX refunds from XXXX in the amounts of {$4.00} each, totaling {$9.00}. I also made a payment on my balance due for {$2900.00}. All these refunds, {$15000.00} total, were credited to my old account ending in # XXXX. I would have assumed that the credit card company would have merged these XXXX accounts but they did not. The credit card company was undergoing a system outage/update which made it extremely difficult to contact them via phone, email, even snail mail. I called many times and hung on the queue for extended wait times for Customer Service and was hung upon or disconnected intentionally. I wrote XXXX letters asking to have my money returned to me. On my last XXXX statements, there was a notice that they would send a check in 60 days, then 30 days and on this last statement, there was no check forthcoming. I feel I have been patient long enough since they have had this money since XXXX XXXX. I would like my money returned to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 

Complaint Summary : I am submitting this complaint against EXPERIAN Credit Bureau, regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 

On [ Date of Credit Report XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXXXXXX Account number : XXXX Disputed Information : In reviewing the information provided, there are inconsistencies among the three credit bureaus regarding the reported balance, high credit, date of last activity, date opened and account status. 

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validate for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 

In my request, I emphasized that any unverifiable information should be removed from my credit report IMMEDIATELY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Bank account or service

My accounts were closed and {$260000.00} was taken from me without due process or investigation and several banks are involved. I was promised its return plus interest accrued. 
I filed separate complaints on each bank involved without any results, no accountability and basically no communication mediator. After XXXX years and XXXX of legal fees, I was XXXX and taken advantage of in court. I received a check that was an insult and lost by default when I was incapacitated in the hospital. The money was intercepted fraudulently by XXXX XXXX and re-issued XXXX times even though XXXX XXXX was not involved after they had foreclosed I year after my home burnt down and in modification as well as rebuilding. They were paid {$240000.00} and no money was owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice dated for XX/XX/2019 from XXXX XXXX XXXX that stated that they could not extend me credit due to the credit score obtained from Transunion credit bureau. The score provided was exceedingly lower than my scores from the other bureaus, when I called Transunion to obtain a copy of my report along with the credit score I was instructed to pay {$19.00} for both but ALSO had to join their credit monitoring program for {$24.00} a month to obtain the information! I was able to pay XXXX  and XXXX  to receive copies of my reports and credit scores with no problems. I want to know how is this practice acceptable because by law I am due a free credit report once a year.
Product: Credit reporting or other personal consumer reports

I am disputing the accuracy of the following account on my credit report. This account was charged off but was settled, and I have not received the required 1099-C form. This omission constitutes tax fraud against the IRS.

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), you must ensure that information reported is 100 % accurate. This account does not meet that standard, so I demand its immediate removal from my credit report. Additionally, please send the 1099-C so I can verify compliance.

The IRS has instructed me to file Form 3949-A regarding illegal tax violations against your company. Please take this seriously, as violations of the FCRA entitle consumers to actual damages and compensation.
Product: Debt collection

Received Phone Call on XX/XX/22 referencing a Medical Bill I owed to Progressive Management Systems of a Bill sent to them from XXXX XXXX XXXX XX/XX/22, mailed to an address ( XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX. First off, I never Originally ever received an initial bill from this Hospital, I have never lived at XXXX XXXX XXXX XXXX, XXXX  XXXX, OK XXXX, and furthermore, I have never been to XXXX XXXX XXXX, I have never been on XXXX  XXXX XXXX XXXX 
I have corresponded with Progressive Management Systems by phone on XX/XX/22 and also by Letter verifying my address, Last four of my SSAN and DOB ON XX/XX/22. 

This is totally another individual that they have submitted in error, however, Progressive Management Systems will not clear this up with XXXX XXXX XXXX until I send them a Copy of my STATE DRIVERS LICENSE and also a REPORT TO THE FEDERAL TRADE COMMISSION AS TO WHAT HAS HAPPEN. Recent Letter is attached.
Product: Credit card

On XX/XX/year> I paid {$580.00} to Dillards Wells Fargo American Express Credit Card online. The due date was XX/XX/year>. On XX/XX/year> XXXX acquired all of the accounts from Wells Fargo and received my Personal Identification Information from them as well. XXXX sent a credit card that I never activated because I cleared the balance owed with Wells Fargo on XX/XX/XXXX. The payment showed pending and I took a screenshot of my online transaction of the payment. Wells Fargo advised that the payment would be transferred but it never got transferred and now XXXX refuses to get the payment information from the bank I originally incurred the debt and made the payment in full. I have no way of contacting Wells Fargo and XXXX and sending threatening letters of past due payments requesting for me to make another payment! I refuse to give out payment information in this amount twice!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have received a copy of my credit report with the intentions of trying to improve my credit report multiple times and take care of myself and my child due to being homeless. I noticed a few accounts that i wanted a little more information on and did not recognize. I am not saying they are reporting right or wrong. I am just saying that i am not 100 % sure if they are. I also read the Fair Credit Reporting Act where it said by law I had the right to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to yall. 

Are you familiar with something called 15 U.S.C. 161i ( a )? I read that if you cant provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 % right and correct. I also saw on the credit site and board where this lawyer said you have 30 days to complete this investigation.

I AM NOT SURE WHY THE CREDIT BUERAUS CAN NOT PROVIDE ANY PROOF OF THE ACCURACIES OF THESE ACCOUNTS BUT WONT DELETE THEM!! THEY ARE NOT CORRECTLY DOING THEIR JOB. 
THE ACCOUNT NAMES ARE AS FOLLOWS. 

1 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX XXXX XXXX BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX. THIS BALANCE WAS DISPUTED SEVERAL TIMES. 

2 ) '' XXXX XXXX XXXX '' -ORIGINAL CREDITOR WAS XXXX XXXX.BALANCE:XXXX  AND WAS UPDATED AS ACCURATE ON XXXX XXXXTHIS BALANCE HAS BEEN DISPUTED SEVERAL TIMES. AS I DISPUTED THIS THE BALANCE DECREASED FROM OVER XXXX YET THEY WONT DELETE IT. 

3 ) '' XXXX XXXX XXXX  '' - ORIGINAL CREDITOR WAS ESURANCE AN XXXX XXXX BALANCE WAS XXXX $ .THE BALANCE WAS UPDATED AS ACCURATE ON XXXX XXXX. 

PLEASE HELP ME THIS IS NOT FAIR!! 

In accordance with the " Fair Credit Reporting Act XXXX Account numbers XXXX, has violated my rights. 

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

COMPANIES VIOLATING RIGHTS AFFORDED TO ME VIA : 15 USC 1681 ( PRIVACY ) 15 USC 1681 604A ( WRITTEN CONSENT ) 15 USC 1666B ( PAYMENT HISTORY ) XXXX XXXX XXXX XXXX ( REPORTED NAME ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( GEORGIA )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises high concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name : XXXX XXXXXXXX XXXX Account number : XXXX, Account Name : XXXX XXXX XXXX Account number : 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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments are being debited from my XXXX XXXX checking account via ACH. I would like to know if I am within my legal rights to rescind my authorization for ACH debits and to place a stop-payment with XXXX XXXX. If I do this, I don't believe that XXXX XXXX can legally still collect in Florida since they are governed by a Tribal Lending Authority in  another state. Loan agreement is attached.
Product: Debt collection

To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. 

Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.
Product: Credit reporting or other personal consumer reports

This is my second-time requesting 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 : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I have been a victim of Fraud Since XXXX, I made a police report in XX/XX/XXXX in the city of XXXX texas. As I was called by a temp agency I used to work for telling me that an unknown person came in looking for work using my personal information. I have since battle with inaccuracies on my credit report, I constantly have to monitor my credit report for fraud information. I will be listing the Fraudulent Inquiries on my credit report as they have been done with out my authorization. I can provide my police report I made in XXXX along with letters I have been receiving from the US Department of Justice advising me of being a victim by 3 individuals whom have been indicted using my information. 

XX/XX/XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

My car payment is every day on the XXXX of each month. On XX/XX/2024 I made my payment, which was a payment on time. This payment was correctly reflected on my account statement. However, XXXX XXXX XXXX  processed the payment on XX/XX/XXXX. Which indicates that I supposedly paid out of time. This generated a report on my credit report that I paid XXXX  days late when that is not true. The bank explained to me that even if I paid on time, I should have taken into consideration the banks ' possible payment times. Something that is not stipulated, they also indicated that they received the funds on XX/XX/2024. When my account bank statements that I sent them via fax showed the payment on XX/XX/XXXX on time and no more charges on other dates later. I am in the process of entering the XXXX XXXX as an XXXX for a special XXXX XXXX  program in XXXX  and I explained to them that this error would delay my XXXX XXXX  process. They told me that it could be a system error but that they could only notify the IT system and resolve it in the future.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and as a result, fraudulent accounts have been reported on my credit file. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that all fraudulent accounts listed below be blocked and deleted from my credit report.

Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX
Product: Debt collection

Ars account resolution s .... 
People keep adding accounts to my credit as fast as I dispute them for different dates and amounts everytime I get one removed another one pops up I contacted the company by phone to get them to send me anything by mail, they agree but never do. I'm at a loss because even when it gets removed it still hurt my numbers. I've gotten so many deleted from the same company that I can't do any more.
Product: Credit card or prepaid card

I have a citibank credit card and recently I used this card for some transactions. 

I always pay credit card around XXXX of each month. Even though I do not use this card much, I always check my balances each month. Last time, when I was trying to log into my account, the server told me that the server is busy and asked me to try again at a later time. It is partially my fault that I forgot about it, but I think Citibank should also take some responsibility for always making its server available for clients to make payments. 

As I result, they charged me {$25.00} late fee, together with other financial obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO LAW, 15 USC 1681d ( d ) ( 1 ) ( XXXX, TRANSUNION, XXXX, ) MUST CERTIFY INFORMATION FROM THE FURNISHER TO INSURE THAT FURNISHER, HAS GIVEN ME CERTAIN DISCLOSERS, TO INFORM ME OF MY CONSUMER RIGHTS.. AND I HAVE NOT RECEIVED ANY FORMS.. A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. Nor could these accounts be reporting on my credit report because they did not stem/originate from a credit transaction