23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt.

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct.

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all Information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to any credit reporting agencies immediately.

Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA.

All future communications regarding this alleged debt should be directed to me in writing to the address provided above. Phone calls or any other form of communication will not be accepted.

I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied for a car loan and were turned down because the auto dealer requested information from SageStream. We were told that we had a very high score XXXX XXXX XXXX from SageStream which was unusual, but that there was questionable information on our account : From the 3 major Credit Reporting agencies we have scores in the 800s! 

" Length of residence too short '' ( We have lived in our house for 28 years! ) " Not enough bankcard dept experience '' ( We have the highest rating on all our credit cards ) " Limited history for consumer at this phone '' ( We have had the same phone # since 1992, what # do they mean? '' " Time since most recent revolving account established '' ( What ... credit cards with zero late payments over years and years don't matter? ) I have read numerous complaints about this company and I would like to know why they can not be shut down!! Just go on line and read the angry comments.
Product: Credit card or prepaid card

On XXXX I purchased an item AMAZON MARKETPLACE XXXX WA XXXX XXXX Portable Propane Wat SHIPPING AND TAX I did not receive the item. The record and available information clearly confirms that I did not receive the item. I filed a dispute with Synchrony. Synchrony responded that it would investigate my dispute while also providing a temporary credit to my account for the disputed amount. No temporary credit was provided, and Synchrony refuses to respond further. I have requested an accommodations under the ADA Title III from Synchrony, which they have ignored in violation of the ADA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the XXXX XXXX XXXX. This account should be corrected : XXXX XXXX XXXX XXXX XXXX : {$360.00}.
Product: Checking or savings account

I had to go into a Bank of America branch to deposit a check that was made out to my husband and I. I was coached that my checking and savings accounts were outdated and I could be benefiting from better interest on my account balances by upgrading to the latest account. Fast forward a couple of months and Im now being charged monthly maintenance fees for not upholding a certain account minimum, which was never communicated to me when I was advised to upgrade my account. This feels very misleading, as Ive been a Bank of America customer for over a decade. They should not be able to do this.
Product: Credit card or prepaid card

MANIPULATED INTEREST AND AMBIGUOUS BANKING PRACTICE I applied for cash advance of {$1200.00} in XX/XX/XXXX. I spoke with the banking staff after couple of months when I noticed the double interest charged with purchasing and cash advance loan being separated on the best way to pay off my cash advance, I was told by the staff that I should be paying more above my monthly due and that any cash above the normal due will offset the cash advance. From XX/XX/XXXX. I always make monthly payment above my normal due. I found that the interest rate continually mounted higher on my credit card and cash advance is separated with purchasing At XX/XX/XXXX the balance on cash advance stood at {$1100.00} from {$1200.00} while I the accumulated interest paid amounted to {$490.00}. 
I have offered to paid off the cash advance balance but the bank refused to separate my cash advance from purchasing but enjoyed charging interest rate differently. I have spoken to bank staff for settlement of cash advance several times to relieving the doubles interest on cash advance and purchasing. I regret my cash advance but I am soliciting for assistance to pay off my cash advance I got cash advance and I was told by the staff that in order to pay off the cash advance I need to pay more over my normal monthly dues. I have done that for over 12 months and the cash advance remained same with monthly huge interest. I have paid interest that mounted to half of cash advance but the cash advance remained same as if I just got it yesterday. This is ridiculous. I need assistance from public to fighting this ambiguous financial malpractice. I am weighing option to let it go to collection and only fraction of the money will be paid The interest rate charged on both Purchasing is 24.24 % and Cash Advance is 24.24 %. The lending practice of this bank needs to be publicized for public awareness. I was told wrongly and all the payment made above my normal dues were not applied to cash advance.

I have enough cash to pay off the cash advance but the bank will not apply any cash payment to close the cash advance because that is the area that they are sucking money from people. I was advised wrongly before I got the cash advance. I need help on how to challenge this wrongly doing.

I am soliciting for assistance to addressing this issue publicly on all media house as I am trying to avoid bankruptcy or financial crises
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding the accuracy of my credit report. After a thorough review of my credit history, I have identified inaccuracies that are adversely affecting my credit score and limiting my financial opportunities. 
XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.

Upon reviewing my credit report from your bureau, I noticed several instances of reported late payments that I believe are inaccurate. These late payments are erroneously attributed to my account and have been persistently impacting my credit score. I have attached a copy of my credit report with the disputed items highlighted for your reference. 
I would like to request a thorough investigation into the accuracy of these late payment entries. I have always made timely payments, and these inaccuracies are unjustly affecting my creditworthiness. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally requesting the removal of these inaccurate late payments from my credit report. I kindly ask that you conduct a prompt and thorough investigation into the matter, verify the accuracy of the information, and make the necessary corrections to my credit report.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat 
a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along
with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this morning, and Im completely at a loss as to how or why this happened. I always monitor my credit, and everything has been fine until now, but these errors suddenly appeared out of nowhere. I tried refreshing my browser, thinking it might be a technical issue, but nothing changedthe inaccuracies are still there. Please, I am desperately asking for the documents Ive submitted to be carefully reviewed so this nightmare can finally end.
Product: Checking or savings account

I got Identity theft who stole my information to withdraw money out of my Chase bank. I had filed a police report, froze my credit, contacted the bank to get things resolved and tried to get my money back. Funds where transfer starting in XXXX, I discovered and contacted the bank on XX/XX/20. Bank worked to resolved the issues and returned partial of the funds. However, there were still {$4500.00} that were charged because bank said the merchant will not return the money because my info were validated ( because my identity was stolen! ). I have no idea how to get the rest of my money bank and it seems like the bank is not willing to help.
Product: Credit reporting

Experian is reporting medical collections that are not mine and I and the collection company agreed upon terms to have these accounts removed from my credit XXXX & XXXX XXXX XXXX Recentbalance XXXX XXXX/XXXX/XXXX Dateopened XXXX Status XXXX XXXX XXXX. 
XXXX XXXX, TNXXXX XXXX XXXX XXXX, TNXXXX XXXX Addressidentificationnumber XXXX Originalcreditor XXXX Type XXXX Terms XXXX Onrecorduntil XXXX Creditlimitor originalamount {$590.00}
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I demand XXXX the XXXX XXXX be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity. Please forward any changes to my file to the address above and to the necessary creditors within the allotted legal time frame.
Product: Money transfer, virtual currency, or money service

A unauthorized transaction was submitted in the month of XXXX XXXX while I was out of the country. Multiple payments of XXXX were sent to a sender that I was not notified about the total reaching XXXX and {$900.00} I contacted Chase bank and submitted a claim of fraud which they disputed and did not return me any of my money that was sent on authorized through XXXX...
Product: Vehicle loan or lease

Ally auto financial granted me a extension on my car loan due to the Covid 19 pandemic. I received a letter stating my loan will be extended for 120 days. 
Ally did NOT stand by their word. The extension has NOT been applied to my account. I have contacted allys customer service more than 7 times. Each time I was given a different excuse. I was hung up on 4 times, I asked to speak to a manager, I was hung up on. I was shamed for needing the extension, asked if I couldnt afford my car and told my extension should have never been granted and asked who was driving my car. I told the employees each time I had not worked in 3 months due to the pandemic. 
I have tried everything I know to do to get my extension. Ally has given me their word ( I have a letter ) I could have 120 days without a payment. They are cruel for giving me false hope. If thats not bad enough my credit is being ruined because I cant afford to make my payment due to not working because of the pandemic. 
I am disgusted a company could XXXX their customers over during a pandemic. 
They should be ashamed. Their behavior is inexcusable and just straight up cruel.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA XXXX, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to XXXX, causing problems at my job & creating XXXX XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXXXXXX XXXX {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXXXXXX XXXX  {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CARMAX AUTO FINANCE {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Checking or savings account

Okay, so what happened was that I had an account with Citibank, One of my customers paid me with a personal check Which was made out to me and my business partner. I did a mobile deposit and everything was fine. The second one was only on your my name of course, everything was fine as well. Then I deposited the third one which was undermines and my business partner 's name again and they decided to close my account first of all. I do not understand why didn't they close my account the first time that I made the mobile deposit with a check that was undermines and my business partner 's name? Why wait until the third one? Second of all they have called my customer multiple times to confirm the check which my customer has actually confimed the check every time. Actually, my customer even called them directly to confirm the check. Now they are saying that I can not receive my funds and that they are going to keep my funds due to that. I can not verify that the check is good. The check is obviously good. It's been over 60 days. They took the money from my customer 's bank and without the check being confirmed or verified. How does that happen? How can they sit there and take money from another bank without it being verified? First second of all they're saying that the only way I can get my money is if I go into a branch. And take my business partner with me so she can identify herself which I would have no problem doing, but due to all this situation I couldn't start my new project which I lost it. I lost my house. I'm currently homeless literally homeless because of this. I do not have any money. I lost all of my clients. Because this gave me a really bad reputation. We have contracts we have to follow. Now I don't know what to do. They do not have a branch in Washington. State the closest one to me. It's all the way in California so how do I take my business partner 18 hours away when I have no money? The bank is going to keep my very earned money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX CREDITOR : XXXX XXXX DATE ASSIGNED : XX/XX/2021 AMOUNT OWED : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account with Portfolio Recovery through XXXX and have yet to receive a satisfactory response. I know this debit is well over 7 years old, however, the collection company keeps updating it fraudulently and XXXX keeps allowing them to do this.
Product: Credit card

In XXXX XXXX, I signed up for a Gold Delta SkyMiles credit card due to the promotional offer of XXXX Delta miles when spending {$1000.00} within 3 months. At some point in XXXX ( approximately XXXX ), when activating the card, I called and spoke with an agent who verified with me that I was in fact eligible for this bonus. The bonus was the reason I activated and used the card. If I were told there would be no bonus, I would never have used the card. Around XXXX XXXX, upon completing the minimum spend, I spoke with an agent who said that I had completed the requirements for the XXXX miles and stated it may take up to 6 weeks to receive the miles. Around XXXX XXXX, I had still not received the miles, so I again called and spoke with an agent, who again reiterated that I had earned the miles and that processing them may take some time. On or around XXXX/XXXX/XXXX, I did a chat on American Express 's website with XXXX, a supervisor, who told me that I was not actually eligible for the promotion ( despite what XXXX employees had previously told me ) but that they would conduct an investigation ( case XXXX ). I did not hear anything so in XXXX I did another online chat with an American Express agent, who said the case was still pending. I have still not heard back from American Express and the XXXX miles have not been deposited into my Delta frequent flyer account. 

The only reason I signed up for this card was to receive the bonus, and I was told I would receive the bonus by American Express employees - three times, no less - including before ever using the card. It 's time for American Express to live up to its promises and give me the XXXX miles.