23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I took out a {$500.00} no interest if paid off in XXXX  months loan through Care credit and synchrony Bank on XX/XX/XXXX I paid this off on XX/XX/XXXX. Only to find out that they had charged me {$160.00} in interest and fees claiming that because my payments were not paid on the XXXX of every month I paid on the XXXX and XXXX of every month and because of that they were going to charge me {$160.00} in interest late fees and card usage fees. This was not disclosed when I took out the loan These are deceptive practices. They are a predatory lending company that preys on people in their most vulnerable times of need in medical and veterinary situations as is disclosed in many class action lawsuits against XXXX. In the United States XXXX XXXX XXXX versus synchrony Bank, XXXX XXXX, the plaintiff v. Synchrony Bank, brings all this to the top. Even the defendant in this case admits that half of the XXXX consumers, had they known about all of these hidden fees and charges ahead of time and before their heat of the moment decision that they were all but forced to make in their veterinarian 's office or in front of a medical financials office, they would have reduced some of the care or postponed it. But that's when Care credit swoops in and approves a line of credit in a matter of under XXXX seconds in their most vulnerable time and then begins this predatory lending sham. Buyer beware of XXXX!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor ( DISCOVERBANK ) has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC 1681 Section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Product: Debt collection

Pursuing to 18 USC 8 owe no debt.This company is violating my consumer rights to privacy pursuant to 15 USC 1681b2 company has also No permission to report ANYTHING using my information pursuant to USC1681 4.
Product: Debt collection

The aforementioned credit agency representing United States  XXXX   XXXX   XXXX  has violated the FCRA by not providing documents to me in regards to this debt I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is required to disclose to me all the documents that they have recorded and retained in their files that pertain to this debt. If Immediate Credit Recovery  Inc  does not have any documentation, they need to remove this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint regards Consumer Financial Services, the lender of my auto loan XXXX hereinafter " CFS '' ), and XXXX, one of the credit bureaus responsible for maintaining accurate information regarding my auto loan. According to my most updated credit report from XXXX, I owe {$4100.00} as of XXXX XXXX. This information is patently incorrect and I have several different forms of proof to show the falsity of the information currently reflected for my auto loan. I initiated two different disputes with XXXX  regarding my auto loan through CFS, one dispute was without supporting documentation and the second was with supporting documentation. Both times, XXXX  denied the disputes, citing that CFS certified to them that the information currently reported was correct. XXXX, as the credit reporting agency, refuses to update this portion of my credit report even though I have provided them with unequivocal, verifiable proof of incorrect information being shown for the auto loan account originated by CFS. It should be noted that the correct balance and payment history for my auto loan through CFS is reflected on my TransUnion credit report and no dispute is required for TransUnion. I have not been able to check what Equifax shows for my auto loan account, but I am fairly certain the information is correct. I firmly believe this is an issue with XXXX  blatantly refusing to update my credit report with the correct information that I have provided as proof of a valid dispute, and that their misbehavior is adversely impacting my overall credit score and credit file. Basically, it gives the appearance that I haven't paid on my auto loan since XX/XX/XXXX and owe nearly {$1000.00} more than what I actually do currently. As of my payment to CFS on XX/XX/XXXX, the remaining balance on this account in dispute is only {$3300.00}. Furthermore, the payment history report provided to me by the XXXX, Florida office for CFS shows positive payment history at least as far back as XX/XX/XXXX. Based on the foregoing discussions, the inaccurate information shown by XXXX  for this auto loan account MUST BE CORRECTED IMMEDIATELY AND WITHOUT FURTHER ARGUMENT OR DEBATE.
Product: Credit reporting

I was a victim of identity theft and over the past 2 years have been trying to get my credit back to being mine and not that of the person who stole it. I have over the past 2+ years submitted a police report to the credit agencies and those account holders only to have things still showing on my credit report that do not belong to me. I have been victimized for far too long and I do n't feel it is fair for me to have to pay an Attorney when I have done everything I can to get those items that are not mine off of my report. This has terribly affected my credit and I have lost so much and been inconvenienced so much because of this and I am tired of begging to have my life and credit back.
Product: Debt collection

I haven't received any notice. I would have paid this in full before it was posted on my credit report.
Product: Credit card

On XX/XX/XXXX, we submitted a {$20.00} cashier XXXX  XXXX  to pay down the Chase Bank credit card. As of today, the balance is still at $ XXXX. I have attached the cashier 's check that shows the correct account number and address. 

Chase Credit Card # XXXX
Product: Credit card or prepaid card

I started repairing my credit, and had 2 negative items removed from my XXXX report and 2 days later my credit limit was reduced. And they raised the late fee, although my account has never been late. I have been asking for an increase for over a year. I have excellent payment history and held the Pink Gold status with my card. They have caused damage to my credit report for absolutely no reason. I wasnt late I pay before the due date in most cases. And for this company to cause malicious damage to my credit report is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX XXXX, Account name : XXXX XXXX XXXX # In XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX, XXXXXXXX XXXX XXXX # XXXX XXXX, XXXX XXXX  XXXX acct # XXXX XXXX reporting incorrect information 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected rights. 

Please remove all collections on my report : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX : acct # XXXX XXXX, XXXX XXXX XXXX Acct # XXXX XXXX, XXXX XXXX XXXX acct # XXXX XXXX, XXXX  XXXX XXXX : Acct # XXXX XXXX, XXXX  XXXX XXXX Acct # XXXX XXXX, XXXX  XXXX XXXX XXXX Acct # XXXX XXXX, Is all fraudlent accts.
Product: Credit reporting or other personal consumer reports

I have been notified of a potential violation of my privacy rights under the Fair Credit Reporting Act ( FCRA ), codified at 15 USC 1681, due to a data breach that resulted in the unauthorized disclosure of my personal information. I am requesting your immediate attention and assistance in addressing this matter. 

On XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, I became aware that my personal information, including information, such as Social Security number, credit card information, or other sensitive data, was exposed during a data breach involving Experian, XXXX and XXXX Credit Bureau. I believe this breach has compromised my right to privacy as protected by the FCRA, which mandates that consumer information be handled securely and only for permissible purposes. 

Since discovering this breach, I have experienced significant distress and inconvenience, and I am concerned about the potential for further misuse of my information. 

Under the FCRA, I understand that I have the right to : XXXX. Be notified of any unauthorized access or disclosure of my personal information.

2. Dispute inaccurate or incomplete information contained in my credit reports.

3. Take action against entities that fail to uphold their legal responsibilities under the Act. 

I respectfully request the following actions : XXXX. Investigate the circumstances surrounding the data breach and the exposure of my personal information. 
XXXX. Provide me with detailed information about how my data was compromised and the measures being taken to prevent future breaches.

3. Assist me in addressing any inaccuracies in my credit report that may have resulted from the unauthorized use of my information.

4. Hold accountable any entities responsible for negligence or failure to comply with the provisions of the FCRA.

I have enclosed copies of relevant documents, such as notifications of the breach, credit reports, or correspondence with the company involved to support my claim. Please let me know if additional documentation is required.
Product: Credit reporting or other personal consumer reports

I am submitting this to formally dispute and request the removal of unauthorized inquiries currently appearing on my credit report. I did not authorize the inquiries listed below and provide these details for your comprehensive investigation. The unauthorized inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I confirm that I have not applied for any credit or services with the entities mentioned above. The presence of these inquiries on my credit report constitutes a violation of my privacy rights and could negatively affect my credit score.
Product: Credit card or prepaid card

Hi, I would like for you to extended my bill payments for my capital one quick silver credit card and my plantinum capital one credit card company. 

By requesting a bill payments waiver program. To help me pay my bills. 



Thank you, Sincerely, Bye
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights 15 USC1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXXXXXX XXXX Balance : {$170.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

BlockChain confiscated all my crypto assets without ANY ground. 
Even after multiple requests to reveal to me that ground, they did not mind ( at all ) grabbing my assets, but they do mind telling me why. 
That on its own is already terribly troubling and unworthy conduct. 

But it does not stop there- for more than a week already I am demanding them to release my assets but they are not collaborative at all. When I send mails- they wait for days to respond. While they are still keeping all my crypto hostage ( it is also why I am demanding compensation ). 

As a reason for not wanting to reveal why they are fencing with extremely vague legal terms - complete nonsense of course ; XXXX XXXX  even lets you know automatically and immediately if the account is accessed from abroad, with the exact time and location stamps. So why would another XXXX company not be able to apply exactly the same simple automation? 
It's a shame and they leave their users in complete darkness. 

The last reply, days ago, was as again as pestering as idiotic : they ask me to write ( on paper! ) my name, the BTC price and a few other things. 
-- > You do that. You file that. 
THEN they add : now we want you to hold up that paper next to your face, together with your ID. 
-- > You do that. You file that. 
THEN they add : oh, but we wanted you to do that with capitals, not normal handwriting... 

Classic kindergarden bully tactics pestering people to steal their funds longer and longer and longer. 
Also, technically it does not even make ANY sense ; they have all the info in a mail I sent - all 100 % readable. If they want it in writing- the point is to see it is MY handwriting, right? Well, capitalization annuls that traceability as everyone 's caps look the same. Simple logic. Not to blockchain. 

So, I have not heard from them for 2 days again - ALL my crypto still STOLEN by them. 

This lawlessness and cowboy mentality has to end URGENTLY and is utterly unworthy of any serious Exchange.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and no one appears to care, that I want to dispute particular records in my credit file that do not belong to me, or that I have signed any agreement. The Items I'm disputing have nothing to do with any transactions I've conducted or authorized in order to obtain goods, services, or money. Please remove the items listed below. XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX ; XXXX  XXXX bankruptcy XXXX Filed Date : XX/XX/XXXX Reference Number : XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

ERC on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested ERC to remove incorrect information off my credit report. More importantly, ERC are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from ERC.
Product: Mortgage

During my covid forbearance Flagstar added an amount of XXXX of lender paid expenses to my mortgage payoff. So I have 3 leins on my house and can't refinance to get relief until the matter is resolved. My pay off is showing my balance principle of XXXX, XXXX my forbearance of XXXX. And a lender paid expenses of XXXX. When I contacted flagstar on XX/XX/22 they agreed the XXXX should not be there but now are telling me they don't see it to remove it. After 4 additinal calls to their escalations department i am not getting and resoltion. I am not sure how I am to proceed in this matter. Or who to contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and in XX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a 1099-C notice with the IRS in XXXX declaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XXXX tax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
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XXXX XXXX has refused to correct/
Product: Checking or savings account

On XX/XX/2024 my debit card was used to make an unauthorized purchase of XXXX at a XXXX store. I noticed on XX/XX/2024 I immediately contacted my bank to report the problem, my back told me the would investigate and temporarily refund me while the investigation was ongoing. I then checked the status of the claim days later and was told the claim was closed due to my personal pin being used at the time of purchase. Which was a complete false statement I then reached out to XXXX to figure out if the unauthorized purchase was made by pin to later find out it was a credit approved purchase. I then reached back out to my bank ( chase ) to reopen the claim but was denied.
Product: Debt collection

I was treated in XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, NC. ) I am covered under XXXX XXXX XXXX and XXXX and NC XXXX XXXX since XXXX. Apparently 2 invoices of NOT paid were sent to Bull City Finance in XXXX NC for collection. I went to XXXX billing dept and obtained Paid in Full Invoices for All bills pertaining to me. I do NOT owe ANY bill at XXXX XXXX XXXX. I sent 2 copies of the paid invoice to Bull City. No Response at all for 3 months. I ask Bull City for verification of debt. They sent me collection info on a XXXX XXXX XXXX. ( Total stranger to me ) .6 pages. These collections remain on my Credit reports all 3. This account was settles in XXXX XXXX.per XXXX XXXX XXXX . Bull City continues to report this debt to credit agencies and this is NOT fair. They refuse to acknowledge me at all. I have disputed with XXXX, XXXX and XXXX 7 times, still Bull City maintains that I owe this I do NOT. ps NEVER have I received any statement what-ever from Bull City , ever. My credit score and life is suffering from their out-dated, incorrect information. Not to mention H.I.P.P.A violations pertaining to XXXX XXXX XXXX. I have her entire Medical History and charges.