23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are XXXX : high bal XXXX XXXX  : high bal XXXX equifax high XXXX XXXX  last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX equifax last activity XX/XX/XXXX XXXX XXXX owed XXXX XXXX  XXXX equifax XXXX XXXX  says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the bank with my father to open an account. The bank informed me that my father 's Bankruptcy is showing under my social security number at Equifax. I sent a dispute with a copy of my social security card and passport. I also sent a copy of the bankruptcy showing it belongs only to my XXXX year old father with the same name, different social security number, different birth date and year, different place of birth. Equifax replied that the Bankruptcy belonged to me, no notes on the investigation, no explanation of why. Just that they will continue reporting that it belongs to me. They did not take into account any actual proof that we are two totally different people with a totally different identities, lives, or personal history. Also that I could have no possible credit history as a minor ( XXXX year old ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed out Notarized letters to all three credit Bureaus and requested XXXX, Equifax, and XXXX delete my child support accounts from my credit file as soon as possible. 

Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 

According to the case law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, et al., Case : XXXX XXXX XXXXXXXX, XX/XX/XXXX ( XXXX Illinois  ), judgments are not considered credit transactions, and it is illegal to report them on a credit report. 

based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX and caselaw XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX Illinois  ), child support accounts are not credit transactions and they are judgements. 

These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records.

I requested theses violations be deleted immediately and a written confirmation within 30 days. 

There responses was that those accounts belonged to me, again they are also in violation of 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. which I requested them to provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/2023. I had received {$400.00} I sent it from my XXXX account. At around XXXXXXXX XXXX that night I tried to access my money, it wasn't available! Around XXXX or so I sent my neighbor {$20.00},. That went through. I never got my money that night. I contacted cash app customer service and after a few hours I was able to look at the transaction and it said my {$400.00} went to a XXXXXXXX XXXX  I later learned that cash app and the bank was one in the same with cash app. I explained the situation about XXXX or XXXX times. My problem wasn't resolved and nobody could tell me how my {$400.00} went to XXXXXXXX XXXX! I never got a straight answer yet. I stopped using cash app and every week or so I contacted cash app about returning my money. A representative said they would help me. Still nothing. At the end of XX/XX/2023 I tried to contact cash app about my {$400.00} and my account is closed. Per cash app for FRAUDULENT ACTIVITY!! I still don't understand how they came up with that cause I only used it to inquire about my {$400.00}.
Product: Credit reporting or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation into the accounts listed in my consumer report. Despite my multiple requests for a review, I believe these accounts are not being reported in accordance with legal standards. I received a letter indicating that the credit Bureaus investigation was completed and that the accounts were confirmed as accurate. Could they please provide a detailed explanation of how this investigation was conducted? For their convenience I have listed the alleged accounts in question : XXXX. XXXX XXXX XXXX XXXX Balance : {$860.00} XXXX. XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I wrote two letters. XXXX to XXXX, XXXX. The other to I.C systems. I asked both companies to prove I owe the debt, and prove that they own it. Neither has complied, and they're still reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. TransUnion is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. TransUnion has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have these accounts blocked/removed : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$660.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but TransUnion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) are unknown to me. Also, the information you provided on these accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit card

I signed up for a Lowe 's credit card through Synchrony bank in XXXX near XXXX. On Fri, XX/XX/XXXX, XXXX, I received an email saying I changed my online statements to paper statements, and that I would now be charged {$1.00} per month fee. 
I did not make this change. 
At the bottom of the email, it says, " Didn't make this change? Let us know. '' I replied to the email that same day, but it was kicked back to me saying the email wasn't monitored. 
Since my email was kicked back, I logged in that same to day to report that I had not made that change at XXXX. I used their terrible chat bot to try to report the issue, but it did not have an option for it. I finally got to a human after a run around. The representative told me that Synchrony AUTOMATICALLY changes everyone from online statements to paper statements after 90 days. 
Why do they do this? 
So, I spent more of my time logging in to change my statement back to online statements, only for their system to tell me that I can't make the change back to online statements for a full 24 hours.

So, I asked the representative in the chat box to help me make the change back to online statements. They told me they could not make that change for a full 24 hours, even if I personally requested them to make the change, and they would not do it for me the next day. They told me I had to login online to do it myself. See screenshot of chat. 
I filled out a survey on their site to make a complaint, but the survey form doesn't work either. See screenshot attached. 
The next day, I tried to log into the site, only to be told " Our system is experiencing technical difficulties at the moment. Please try again later. '' See screenshot attached. 
I tried for a full week. Today, XX/XX/XXXX, a full week after getting that email, I tried again only to receive the same error message. I again used my time to get in touch with a representative using the chat box. They told me they would not make the change from paper statements to online statements for me. The reason is because I wasn't logged into their system ( even though I had my card number, my user name, my last 4 of my social, my address, etc. They can verify it is me. They still refused. 
So my complaint overall is SYNCHRONY PURPOSEFULLY MAKES IT DIFFICULT TO REMOVE THE FEE. 
They force the fee upon me by changing from online to paper statements without my request at XXXX, hoping I won't notice. 
They force me to wait 24 hours, hoping I will forget.

They won't allow me to change the fee any way except by logging in online, even if I can verify all my other information. 
Their site is unreliable, and has issues with the login system ( I've taken screenshots of my attempts to login and their error code ). 
They won't allow chat representatives to help. 
If they are automatically making changes, and don't allow me to reverse their change easily, I feel like they are taking advantage of people. {$1.00} fee may not seem like much per month until you consider as of XX/XX/2024, Synchrony had over XXXX XXXX active accounts.
Product: Checking or savings account

Regarding : Widespread Mismanagement of Auto Loans, Mortgages, and Deposit Accounts Lawsuit incorrect amount of money taken out of my checking account numerous times, i have since closed my checking account with this bank as i was always highly dissatisfied. i also currently have a car loan with this bank as well.
Product: Consumer Loan

On XX/XX/XXXX I took out an installment loan with CashNet USAfor XXXX. This was done over the internet. Payments would be XXXX a month x XXXX payments @ 189 percent. They never sent me a visible contract only partial. The women I spoke to there said the loan could be paid off sooner. The contract was not forthright nor visible. 
One month later XXXX was due on XXXX/XXXX/2017, electronically, which was paid. However, they later demanded payment every 2 weeks. The first payment went all to interest and XXXX to principle. Next payment before due contacted 5 times before due date, harassing me. 

Even though I had not defaulted they were always threatening me. I look them up on their website, and found CashnetUSA is not licensed for installment Loans in California, only payday loans. My agreement with them was an installment loan.
Product: Checking or savings account

On or about XX/XX/2018, I saw an online promotional offer by Bank of America. The offer stated that it was for : New customers only, opening a new Bank account, online, checking and/or savings, and to receive a certain bonus amount. I proceeded to complete its online application with the intent to open a new bank account, as a new customer, to receive that bonus offer ( {$100.00} ). My application was accepted, a New Bank of America Bank Account was opened ( XXXX ), as well as a Debit Card issued. I received a Confirmation Number of ( XXXX ). Approximately 5 business days later, I did receive a new debit card and new account number in the mail. The particular account I chose to open had a Promotion as follows : I must open the account online, make a deposit of at least {$25.00}, and link two ( 2 ) automatic deposits ( minimum of {$250.00} every 30 days ), and must be established within ninety ( 90 ) days of opening the account. On or about XX/XX/2018, I went to deposit {$100.00} into my new account, but the teller said my new online account was closed by the bank. No reason given. During the next several weeks, I called the bank 's 800 number ( s )  trying to find out what happened. No one could help, my issue had to be " escalated '' to a higher power, with the promise I would be contacted with 72 hours. I received no contact. Completely frustrated. Finally, on XX/XX/2018, I was able to " make an appointment '' to speak directly to a representative at a local branch of the bank. After discussing the issue with the bank manager, he indicated that, if I opened a new account ( using my original confirmation number ), there should be no problem linking the Bonus Offer to said account. I asked if they could see why my online account was closed. They had no idea. So I deposited {$100.00} that day. I was told to continue to wait the full 90 days ( XX/XX/2018 ) for the Bonus to be deposited into my account. To that end, on XX/XX/2018, my direct deposit was established and continues to this day, completing my list of tasks to meet the bank 's requirements for the bonus offer. Now, five ( 5 ) months later, I am still waiting to receive the bonus promised by Bank of America. In fact, the many calls I have made during these past months ... being put on hold, stating my case to representative after representative, were not noted in the bank 's system, although each representative claimed they were typing notes to help document my case. I finally asked for and kept one reference number XXXX ( XXXX XXXX, who said she stated my case in writing in the computer, and to call back after XX/XX/XXXX if I hadn't received my {$100.00} bonus. No bonus forthcoming. So, again, I contacted Bank of America Rep, who said she saw " no notes in the system about my issue '' and she could do nothing but " Escalate the Problem '' again. Shameful ...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly ( 120 ) days late on the DPT ED/XXXX   accounts. ( Please see pages 3 10 of the credit report and spreadsheet of accounts attached. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments, however these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these, however I have been unsuccessful.
Product: Credit reporting or other personal consumer reports

I have my XXXX XXXX  that basically ruined my life in a lot of ways, now I am seeing that he also used my credit and I have stuff on my credit that isn't mine. I want that stuff to be off my credit
Product: Debt collection

I have disputed this account with RENT RECOVERY SOLUTIONS, and demanded that they send me validation, Ive received nothing but threatening phone calls from them! This is a direct violation of the FDCPA! As a question, are they debt collectors or attorneys? I have been told by multiple agents that they are in fact attorneys. If the agents that have been calling me are not attorneys, they are legally not allowed to tell me they are! RENT RECOVERY SOLUTIONS is flagrantly violating the FDCPA! Also, since I have not received any of the validation that I have requested, but the credit bureaus have verified the account, I would love to see that documentation! The law is quite clear, I am entitled to the same information that the credit bureaus are!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2023
Product: Money transfer, virtual currency, or money service

I had almost {$800.00} in cash back rewards on my capital one shopping rewards app. I redeemed several gift cards before that and they closed my account down took the rest of my cash back. They claim they have reason to believe I sold the gift cards. Which is not true. I got proof that I used every gift card I redeemed. I want my account back so I can redeem the rest of my cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is inaccurately reporting my XXXX, 2022 mortgage payment to XXXX XXXX as 30 days late. Neither XXXX XXXX nor either of the other credit agencies show this.
Product: Credit card

Without warning, Wells Fargo closed my credit card account based on trumped up reasons. 

Wells Fargo sent me a letter dated XX/XX/XXXX, which stated that Wells Fargo closed my account and listed various reasons, none of which are severe enough to warrant an account closure. 

Around XXXX of XXXX, I opened the Wells Fargo credit card account and I took advantage of a great balance transfer offer of 0 % ( zero percent ) interest rate for about 18 months. Before the balance transfer expired and the interest rate went up, I paid off the credit card. 

I suspect the real reason that Wells Fargo closed my account is that I am simply an unprofitable customer to Wells Fargo as I paid off a large balance transfer offer that would have garnered lots of interest revenue for Wells Fargo if I had not paid it off. 

Today, XX/XX/XXXX, I noted that on the XXXX website, my stated credit score is XXXX. However, the Wells Fargo Letter states that my XXXX XXXX Score is only XXXX. I suspect that Wells Fargo employs a XXXX Score methodology that nets a lower credit score when reviewing unprofitable clients compared to the XXXX Score Methodology employed when opening new client accounts. I think the CFPB should inquire to see if this is indeed what Wells Fargo practices by inquiring which XXXX score methodology is employed for new clients and established clients. 

This credit practice of closing accounts should be illegal considering there have been no adverse movements on my credit score nor any late payments nor defaults. In fact, Wells Fargo closing my account without warning may cause my credit score to decrease significantly. 

This sounds like yet another Wells Fargo scandal in the making.
Product: Vehicle loan or lease

I paid a portion on my XX/XX/XXXX payment of {$150.00} on XX/XX/XXXX. I called on XX/XX/XXXX to pay the remaining of my XX/XX/XXXX payment of {$250.00}. In total my payment is {$400.00}. I noticed that it was stating that I still owed {$150.00}. I call a representative on XX/XX/XXXX and stated the {$150.00} should have gone to my XX/XX/XXXX payment. She said she was reapplying to the payment so it would all be taken care of. Fast forward, one week later, I noticed it stated I still owed {$150.00}. I called again XX/XX/XXXX, the representative stated that she would also reapply my payment of {$150.00}. I asked how long would it take to see this change on my account. She stated two business days. Well here it is XX/XX/XXXX. My account is still showing I owe {$150.00}, along with late fees now. I've called numerous times. Every time I call, I get an automated recording stating they are experiencing high call volume at this time and the lines are busy or that their system is down. I've submitted 3 complaints online through my account. I've received 0 responses.
Product: Credit card

I have an account with PayPal Credit ( Synchrony Bank ). I have a transaction that has 6 months no interest. it started at {$4100.00} I have made numerous payments over the minimum and the balance is now {$1300.00}. I payed {$900.00} then a week later I paid {$300.00} as well as {$75.00} every week. Not one XXXXXXXX  has been applied to that balance, its all going to other places that are on monthly programs ( 24 equal payments ). I have called them and asked why its not going toward that and they tell me that I must meet the minimums on all programs first ( {$100.00} ) but even at that, nothing was applied to that other purchase.