23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

The Synchrony Financial company is assessing a late fee month after month after they reversed an XX/XX/2022 {$30.00} late fee due to their system/technical error that triggered a series of misapplied, fraudulent, and predatory assignment of fees to the consumer account. This company also is creating stress in their attempts to coerce payment of inaccurate and erroneous late fees, through intimidation tactics and seeking to cause harm to my character by sharing my private information with consumer reporting agencies Synchrony Financial was contacted on XX/XX/2022. I informed XXXX, the representative of the errors and she stated she would remove the XX/XX/2022 {$30.00} late fee. She was also informed that an erroneous late fee was listed for XX/XX/2022 in the amount of {$41.00} which needed to be removed. XXXX verified that the agreed upon minimum monthly amount was received on XX/XX/2022. She stated the update would not be done until XX/XX/2022 statement date, although the consumer requested an update in XXXX - XXXX hours. Unfortunately, since this notification of error, this company has repeatedly charged and continues to intimidate and use fear tactics to coerce several erroneous late fee payments of {$41.00} for XX/XX/2022, {$41.00} for XX/XX/2022, and {$41.00} for XX/XX/2022, when all payments were provided timely. This company is predatory in their tactics and practices, and has been harassing via phone calls, emails, and text messaging. They seek to intimidate the consumer with communication insinuating reporting to the XXXX XXXX Agencies for the purpose of causing damage to a consumer 's character and credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX XXXX XXXX in full, for an over drafted bank account. The account number is, XXXX - XXXX. Amount requested by XXXX XXXX XXXX {$1200.00}. 

Amount paid by XXXX XXXX, {$1200.00} for XXXX balance. 

This account was initially reported as Suspected Fraud Activity. This language is suggestive that elements of Fraud were present. When this was just an overdraft. A customer issued me a check, I deposed the check in good faith. The check amount was credited to my account, but later returned to me as NSF. The bank overdrew my account {$1200.00}. However, there was never any elements of Fraud involved. 

XXXX XXXX XXXX reported this erroneous information to ChexSystems. ChexSystems is reporting this erroneous information to those who pull my information. 

XXXX XXXX XXXX is declining to open a new account because of this language.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have 6 hard inquiries on my Equifax credit file that I know I didn't authorize these 6 companies to run my credit not did I consent or sign any documents to run my personal information. I filed a dispute complaint with Equifax about unknown 6 hard inquires and this company has failed to perform its duties.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent my FTC Report, my state drivers license ( for identity purposes ) to Experian, XXXX, and XXXX. I followed the steps for reporting identity theft as stated with to CFPB and the Police Dept also with my State Attorney 's office. I will be filing a civil suit for reporting inaccurate information on my consumer report. Which is a {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax are both reporting a missed loan payment from XXXX for XX/XX/XXXX. I graduated XXXX on XX/XX/XXXX, with a 6 month grace period and my loans did not enter repayment status until XX/XX/XXXX. They reported 5 missed payments ( 5 separate disbursement loans ) and charged late fees on all of them. In addition, I was never given a payment option below $ XXXX- {$600.00} and could not afford it at the time. They continually put my loans into forbarence, which has resulted in an large amount of interest also. I cant afford my monthly payments at this point, and they are not willing to do anything to fix their mistakes. My credit report has suffered greatly because of this.
Product: Checking or savings account

So I have early deposits for my account and I noticed I did not get an early deposit this check or my last check this deposit on my last deposit so I inquired about it me thinking that worst case scenario Ill get my money on Friday like I did my last check well I didnt even get paid at all. My company sent the money to the bank and it doesnt reflect in my account. I have bills trying to come out of my account or that I have to pay for and starting to get backed up on everything because Im pretty much check to check
Product: Credit card or prepaid card

I cancelled my American Express credit card on XX/XX/2020, after paying off a total balance of more than {$6500.00}. After my account was cancelled, I was issued a credit back to my AMEX account for incorrect charges assessed to me by XXXX, leaving a credit balance of {$18.00} on my cancelled account. I reached out to AMEX on XX/XX/2020, and I was told a refund check would be issued and sent to my address at XXXX XXXX  XXXX XXXX, # XXXX, in XXXX XXXX, FL, within 7-10 business days. On XX/XX/2020, I reached out to AMEX because I did not receive the check. I confirmed my address, and was told the old check would be canceled and a new one issued and sent to me within 7-10 business days. As of today, XX/XX/2020, I have not received my refund check. It's now been almost 3 months since AMEX has been holding my credit that they have not issued to me.
Product: Debt collection

XXXX XXXX sold a debt to Jefferson Capital Systems and claims I owe {XXXX}. This debt is not valid and I have disputed it numerous times with no success. I never had any phone account with any company or XXXX XXXX in XXXX. After XXXX I was only on friends accounts for my phone for my safety. Im in the address confidentiality program and any account would have had to have occurred before XXXX. If they are referring to an account back in XXXX that debt is now not collectible because it would be past 7 years ago. I am very adamant that this is illegal debt collection, and invalid and not my debt. I did not have an account with XXXX XXXX in XXXX.
Product: Debt collection

I received a phone call from XXXX XXXX XXXX XXXX about a debt that I am unfamiliar with several months ago, and was continually pressured to make a payment over the phone at that time. Not recognizing the debt, I requested information be mailed to me, but they did not have my current address information ( or any past address on file that I can recall ). Being more than a bit suspicious, I didn't care to provide this additional info to them. Instead, I provided my email address and requested information that way. I never saw any info come through ( it may have been overlooked in spam ), and assumed that it was a fraudulent call and that the fraudsters had given up. I again received a call today, XX/XX/XXXX, at approximately XXXX XXXX central time. I don't generally answer unknown numbers ( but I was expecting another call ) so they may have tried calling between these times as well. Again, I was pressured to make a payment over the phone for this unknown debt, and again, I requested information be sent to me. This time, I located an email in my spam folder, but it did not really provide me with any more useful information than I had already been told over the phone. The first woman also told me that the delinquent account was linked to my actual email, but this was false and I believe it was meant to be deceptive. Eventually, I was directed to a so called supervisor, and eventually I managed to get information from her that the debt was for a Paypal account opened in XXXX and linked to a XXXX email that I have never seen before. I also learned from the supervisor that they only had my correct email because I had provided it to them on the first phone call. I have only ever had XXXX Paypal account, which I opened in XXXX and has been linked to my actual email address since day one. I asked how it was possible that I could owe Paypal money directly when it was simply an online processor for payments linked to other accounts/credit cards, and was just given a runaround. I also have had multiple accounts with various credit monitoring agencies through credit card accounts for many years, and have never received any alerts of this supposed 8 year delinquent debt that I am aware of. I informed them of this, and suggested the collection agency take it up with Paypal, from whom I assume they had purchased the debt. I was informed that I was responsible to prove this account was fraudulent and later told I would need to get a police report, a signed affidavit, etc in order to dispute the debt. I told them this was not my problem and was then told that I would just keep receiving phone calls until I paid the debt and that it would affect my credit. I then informed them that I would pursue legal action if my credit was affected adversely in any way and that I would be reporting them to the appropriate government agency. The supervisor told me that they 'were a reputable company ' as though I should just take her word for it. I continued to get no where with the supervisor, and became more irate until she informed me they would just keep harassing me until I resolved the debt and terminated the phone call.
Product: Credit card

Applied for multiple credit cards via JP Morgan Chase and continue to be denied even though I meet all credit qualifications.
Product: Money transfer, virtual currency, or money service

I used the Bank of America ATM. I accessed it using my credit card and chose the option to make a payment. 
The Bank of America ATM took {$720.00} cash and gave me a receipt saying : We apologize for the inconvenience. We are unable to process your request and can not return your items. Please contact our electronic claims team. 

I checked my online banking mobile application and no deposit has shown.
Product: Debt collection

I revived a voice mail saying it is an attempt to collect a debt and she left her name XXXX. They called under XXXX number but left a different number to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX XXXX XXXX ) from XXXX ' XXXX consumer affairs department regarding an ongoing bankruptcy dispute. According to XXXX XXXX, XXXX XXXX is reporting to XXXX a bankruptcy which does not exist on my Lexis Nexis consumer file. I have attached the report received from Lexis Nexis and have submitted this report to XXXX on several occasions. Lexis Nexis is knowingly reporting inaccurate, unverified, and incomplete information to XXXX. I have attached a copy of the report from Lexis Nexis. Lexis Nexis has no permissible purpose and has violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

CKS Prime Investment has placed a listing on my XXXX XXXX XXXX credit files. I have have not received any validation or correspondence from this company
Product: Credit reporting or other personal consumer reports

Following up on my previous complaint, issues still persist in my credit reports, despite appreciation for efforts made to address fraudulent entries stemming from alleged fraudulent activity. Outstanding items still require attention, including unauthorized credit inquiries and incorrect personal information remaining in my credit file. I once again request the removal of these unauthorized inquiries and the correction of erroneous information, along with the issuance of an updated credit report reflecting these changes. Please forward the updated report to my address as provided in this complaint : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In accordance with Section 605B ( a ) of the Fair Credit Reporting Act, you are mandated to remove any items opened without my knowledge, consent, or authority within four business days, requiring ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by the consumer; and ( 4 ) a consumer statement affirming the information does not relate to any consumer transaction. I will provide my Driver 's License, Social Security ID, and Proof of Billing as verification of my sole address, alongside my new FTC report # XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding to XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous of 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 tracking these transactions was infeasible. The CFPBs finding indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor Capital One has violated my rights on ALL THREE ( 3 ) of my accounts with them.

Under 15 USC 1681 section 602 - section ( 4 ) - States I have the right to privacy 15 USC 1681 section 604a - section 2 also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666b - States a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason
Product: Checking or savings account

TFC bank closed my bank account without any written or verbal communication. The woukd briefly give me a quick reason why they did and they did give me the remaining portion that was in my account but they closed it no warning. Now i have a new account made by the same bank that I have no idea about. I didnt open the account I dont know the account number or who could even do this. I don't know who to turn to to get some help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX *** ** XXXX TransUnion XXXX. XXXX  XXXX XXXX, PA XXXX XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Credit Bureau Representative, I recently reviewed a copy of my credit report on XX/XX/XXXX and noticed twenty number of inquiries that were unauthorized, inaccurate, or made in error. 
The following inquiries are impermissible : 1. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
2. XXXX/ XXXX, Date of inquiry - XX/XX/XXXX. 
3. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
4. XXXX, Date of inquiry - XX/XX/XXXX. 
5. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
6. XXXX XXXX XXXXo, Date of inquiry - XX/XX/XXXX. 
7. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
8. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
9. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
10. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
11. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
12. XXXX  / XXXX, Date of inquiry - XX/XX/XXXX. 
13. XXXX, Date of inquiry - XX/XX/XXXX. 
14. XXXX, Date of inquiry - XX/XX/XXXX. 
15. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
16. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
17. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
18. XXXX, Date of inquiry - XX/XX/XXXX. 
19. XXXX XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
20. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 
21. XXXX, Date of inquiry - XX/XX/XXXX. 
22. XXXX XXXX, Date of inquiry - XX/XX/XXXX. 

I Kindly ask that you please remove these inquiries from my credit report immediately. 
Should any of these companies claim to have pulled my credit report validly, then it is within my legal rights to ask for verification details : XXXX The name and job title of the individual who pulled my credit XXXX The date they claim to have received my permission to pull my credit XXXX The method they claim that I authorized them to pull my credit Please also attach documentation to support the verification of these claims. 
Thank you for your prompt assistance with this matter. 

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

I sent a letter for verification on XX/XX/2021 for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX per the FCRA 1681. Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts.

I have yet to receive a response to my verification letters. It has been more than 45days.
Product: Mortgage

Do to unforeseen circumstances we had to file bankruptcy in XX/XX/XXXX. The only month we were ever late on our mortgage was in XX/XX/XXXX when Carrington Mortgage stopped our automatic payments without notice. It took us 10 days to realize the payment was not pulled and we immediately made the payment by phone. We chose to reaffirm the loan after bankruptcy and on our XX/XX/XXXXstatement there was a {$120.00} charge but since we were not receiving statements do the bankruptcy they were unable to tell us over the phone what the fee was for. We were told by XXXX ID # XXXX that we could just pay the monthly amount and would not be charged any penalties or late fees on the {$120.00} and to fax a request in writing to find out what the fee was for. We faxed in the request and at the same time faxed in a request to start receiving statements again. Our XX/XX/XXXX statement came in and showed the {$120.00} was a fee for reaffirming our loan, is that legal? They also charged us a {$5.00} late fee for not paying the fee in XX/XX/XXXXalthough we were told there would be no late fees or penalties.
Product: Money transfer, virtual currency, or money service

XXXX XXXX was taken out of my account unauthorized. 
XX/XX/XXXX XXXX was also went the another place that was unauthorized from me XXXX XXXX was also took out my account unauthorized from me XX/XX/XXXX XXXX unauthorized transaction twice that day at different times XX/XX/XXXX XXXX unauthorized transaction XX/XX/XXXX XXXX unauthorized transaction XX/XX/XXXX XXXX unauthorized transaction Thursday XXXX $ was add to a account unauthorized Friday XXXX was unauthorized transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I wrote to Equifax requesting an investigation into items that I believed were reporting inaccurately on my credit report. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you Please delete these accounts and reply within a reasonable amount of time.
Product: Bank account or service

The Financial Privacy Act of 1978 list various protections that afford consumers protections from having their financial data exploited without their knowledge and/or consent. From my consumer perspective and not that of a professional interpret the language in 12 US Code 3403 subsection ( a ) that a financial institution, or " Chase Bank, '' may not release records without the consumers consent or acknowledgement ( Ref XXXX ). According to credible journalism sources and publications like " XXXX XXXX '' the use of XXXX XXXX XXXX be an opportunity ( XXXX ) of exploit for unknown person ( s ) including an opportunity for Government intrusion which again causes some pause. Although emerging technologies are important to encourage commerce, providing levels of protection to the consumer as well as notification is also vital as these new emerging technologies encounter the marketplace. I believe in this situation Chase has an obligation to notify it 's members of any breach of privacy using this technology, state the intended use of this technology to it 's consumers, place public and transparent notices of how it intends to store this data, and if it has the intention of using this new technology as a means to share information without third parties. It 's my belief that consumers should have the right to opt out from new data collection practices if they do not wish to be beta testers for your emerging technologies. 

I am formally requesting that Chase provide the scope of intended use of the RFID chip in their cards, provide all documents stating if they provided public notice to consumers, as well as state their intent on any new notification practices to consumers as a result of these emerging technologies in the event of an exploit, as well if the bank is in the process, has, or has no attempt to deploy consumer protection technologies to block the RFID technology from being exploited when not in use like RFID shield credit card envelopes ( XXXX ). Currently, the credit card envelope distributed by the bank do not contain the shielding material that would allow an added level of protection from exploit. 

Thank you for taking my concern and I look forward to the response. 

Warm regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX contacted the credit bureaus & place a 30 day late on my Consumer Credit Reports stating I was late on paying XXXX 's payment & on XX/XX/year> they closed my account for no reson. Attachments below will show where they placed 30 day late for XXXX 's payment & the closing of my account.. also attached is my business bank statement showing where I paid XXXX 's payment of {$500.00} Dollars which was paid to chase on XX/XX/year>. Also Attached is my pay history where my payments are due on the XXXXXXXX XXXX  of each month for this account.. my credit report shows I never was late or missed a payment from the date I initially received this card.