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

I have a Banana Republic Black card through Synchrony Bank. I have had this account for many years and have never once made a late payment. 

In XX/XX/XXXX I made two separate payments on my credit card account, each for {$100.00}. One payment was debited from my checking account on XXXX and the second was debited on XX/XX/XXXX. Both before the XX/XX/XXXX due date. My minimum payment for XXXX was {$140.00}. 

In XX/XX/XXXX I received a statement that indicated I was being charged a {$40.00} late fee for my XXXX payment despite the fact that I paid over the minimum payment due, all before the due date. I did not initially notice this late fee since I often automatically just send payments throughout the month. 

In XX/XX/XXXX I made a {$200.00} payment that was debited from my checking account on XXXX. The minimum payment due was {$75.00} and the payment due date was XX/XX/XXXX. 

In XX/XX/XXXXof 2021 I received another statement that indicated I was being charged another {$40.00} late fee. This time for my on-time XXXX payment. Again, despite the fact that I paid over the minimum payment due and all well before the due date. This unexplainable late fee caused me to do a look-back over my account to see if there had been any others. This was when I noticed the late fee on the XXXX statement. 

On XX/XX/XXXX I contacted Synchrony Bank to inquire as to why I was being charged these late fees when I was obviously making regular on-time payments. I was informed first by a customer service rep named XXXX that because my payments were made before the statement was generated that they were credited as a balance reduction and not a payment. After complaining as to the deception of this practice I was transfered, once to a gentleman who's name I did not hear who eventually reversed my XXXX late fee, and a second time to an account manager named XXXX who revered my XXXX late fee. 

While I personally may have been made whole, this practice is entirely deceptive and unfair to the average consumer. I've worked in banking for over 20 years and I know that if a financial institution tried to pull this sort of bait and switch on receiving loan payments and then when caught simply shrugged and pointed to " the fine print '' we would rightfully be cited for a UDAP violation. Why would a customer that has never once been late, makes frequent payments, all prior to the due date each month, be penalized for being proactive? 

I don't know how this practice can meet the requirements of the Truth in Lending Act, UDAP, or The Credit Card Accountability Responsibility and Disclosure Act as it's far from " fair and transparent ''. Not to mention, how is a {$40.00} late fee " reasonable and proportional ''? 

This just seems like blatant attempt to run up fees on consumers. I would liken it to the many financial institutions that used to have the practice of running debits before credits just to hit customers for overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am writing to you guys due to a inquiry that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report with all three ( 3 ) bureaus ( XXXX, XXXX and Equifax ). There is a public record listed on all three for a bankruptcy. I disputed this incorrect information with all three bureaus and received a response stating the information obtain in my credit report was " verified as accurate. '' I contacted the bureaus to ask how this information was verified ; however, I have not received a response to that question. I mailed a letter to the court listed in my file and received a response from the United States Bankruptcy Court stating they do not report information to or remove information from the credit bureaus. In addition, I also contacted XXXX XXXX a third party agency and they indicate a freeze has been on my account since XX/XX/XXXX, XXXX.How was this information obtained and who verified this inaccurate information since the US Bankruptcy Court state they do not report anything to the credit bureaus. The US Bankruptcy Court is the only entity that can verify if this information is true and correct, and they state they do not provide information. I have made several calls and written letters disputing this public record and I am frustrated as I am getting no where.
Product: Credit reporting or other personal consumer reports

This account, linked to a vehicle that was fraudulently registered in my name using a XXXX XXXX, has been the cause of XXXX XXXX. I complied fully with XXXX XXXX XXXXXXXX XXXX XXXX requests to address this matter, including providing a police report and an affidavit detailing the crime committed against me. Despite this, I was asked to fraudulently back date legal documents that XXXX management mailed to me, and upon doing so they sent all of my personal information over to another collection agency [ XXXX XXXX ] without my knowledge or consent, asking me to falsify documents, which is not only unethical but also illegal. Additionally, despite my efforts to clarify the situation with their XXXX and a XXXX, this fraudulent account has not been removed from my XXXX XXXX. I want to remind you that I have informed your agency multiple times that the vehicle in question was never insured, and the dealership responsible for this fraudulent activity was closed down by the FBI following an investigation. The continued presence of this account on my XXXX XXXX is unacceptable and damaging to my financial standing.
Product: Payday loan, title loan, or personal loan

I had a car title Loan with Wilshire Consumer Credit which was paid in XX/XX/XXXX. I still had not received my vehicle title by XX/XX/XXXX. Contacted the company and they originally claimed that the title was released on XX/XX/XXXX and tried to refer me to a third party vendor ( XXXX ) that wanted to charge me to get information about my title. After refusing and calling back Wilshire Consumer they admitted that the title had still not been released but would get it processed now. When I asked why the title had not been released nearly 6 months after payoff I was told that it could have been any number of errors and they did n't know the exact reason it was never released. <P/>I find the whole process very disturbing and suspicious. Originally lying to me and saying it had been released and referring my to a third party that wanted additional money and then after I refuse to pay they admit that the title has n't been released and simply say " sorry, there was an error somewhere, but it was n't our fault ''
Product: Credit card or prepaid card

I opened the  XXXX   XXXX   XXXX  card in  XXXX   2017 . It came with a  XXXX    XXXX   points bonus for spending {$4000.00} in the first 3 months. I fulfilled this requirement in the first 30 days. The bonus points posted to a different   XXXX   account which was no t mine. American Express ign ored the   XXXX   account specified on my application and substituted it with a different number. I have contacte d American Express by  phone and spent cumulatively hours dealing with this, each time they assure me the problem will be corrected over the next business day  or two a nd it never gets fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several attempts to get the credit bureau to allow me my right by law to opt out and they have denied me several times. My first attempt took place on XXXX XXXX XXXX Since then I have made 3 additional attempts in writing and by phone. They have also denied me my right by law to have all inquiries removed from my credit report that were not made with my knowledge of what was happening. Many companies use unfair and illegal tactics to have access to my credit as I explained to this credit bureau and they did not respond. I plan to send one last letter in an attempt to correct this issue in conjunction with this letter. 

I want to be clear that 15UFC6802 states that 15USC8802 states that it is illegal for the credit bureaus to not allow me to opt out of any information reporting to my credit report. They keep denying me that right. 

Debts and charge offs are certificates of indebtness by law and are forms of income. Income is not supposed to be reported on credit reports. 

It is unlawful to report transaction history. 

15CFR313 16CFR433.2 16CFR433.3 I have become homeless and not able to obtain a new home for me and my children as a result of credit bureaus breaking laws and being unethical. I also had lots of trouble obtaining basic transportation for me and my children due to the credit bureaus misrepresenting me on countless occasions to the banks, real estate companies, home financing, vehicle financing, business credit PG, and more. I have been humiliated, depressed, and no place to turn to. 

This misreporting has ruined my life. I made attempts to fix it in the past as well, but I am only reporting my most recent attempts.
Product: Payday loan, title loan, or personal loan

My vehicle was towed when I was at work back on XX/XX/XXXX. So I had to pay the release from police station and the tow to get my vehicle out on the XXXX and paid off the balance I owed which was XXXX and was told by the manager that I will receive my title in a week. Now its XXXX I just recently renewed my registration and noticed on the registration that it says Im the registration owner and XXXX XXXX XXXX is the title owner. So they never release my title.. I tried contacting all their phone numbers they have listed and I cant get through any of them they all have automated requires ext.. I tried emailing them still no answer, please help this was my first time doing a title loan and trust me is my last!
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX for {$2400.00}. I do not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX, and they did not provide me with the original contract as requested. Pursuant to 18 USC 8, I owe no debt. This company is violating my XXXX  right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.
Product: Credit reporting or other personal consumer reports

Filed dispute with Capital One 360 on XX/XX/XXXX regarding {$150.00}. Dispute that I did not authorized XXXX for make charges on my debit card and checking account on XX/XX/XXXX for {$150.00}. The negative balance {$150.00} caused my account to XXXX on with balance owing- {$150.00}. Moreover, it reflected in my XXXX report balance owed to Capital One - {$150.00} On XX/XX/XXXX Capital One agreed with me and informed me that {$160.00} would be put back into my account. 

I check my XXXX consumer report and it inaccurately stated that I paid in full {$160.00} on XX/XX/XXXX. 

I never paid any money to Capital One to have my XXXX report state {$150.00} paid in full. 

Furthermore, {$160.00} was debited back into my account by Capital One. 

The entry by Capital One stating that I paid {$150.00} on my XXXX report has to get deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$800.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received XXXX XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM A VICTIM OF IDENTITY THEFT.
Product: Debt collection

I have an old credit card that was closed in XX/XX/XXXX with a balance with XXXX. XXXX then sold the debt to Collectors Patenaude & Felix. In XXXX, they attempted to take me to court to pay for the amount owed. I filed an appeal and won. The case was dismissed. I have worked very hard to pay off all my outstanding debt with different collectors. It is now a good time to contact Patenaude & Felix and try to resolve my balance. I spoke with XXXX XXXX who began to give me a lot of false information. First she said she couldnt work with me until she had proof that I was no longer working with XXXX XXXX XXXX who I previously worked with. I relayed that Ive worked with other debt collection companies and no one has ever said this so then she changed her tone with me once I verbally told her I was not working with them any longer. Secondly, she said that her company filed a suit against me and its ongoing so she can not work with me. I told her that the case was dismissed because I appealed it. She said she didnt have that information and asked me to fax her my documents saying so. I said it was public information and she can look it up. Third she said that legal action can still be taken against me. I relayed that it has been over 4 years since the account was closed and that the statue of limitations was over. Fourth I said that I am aware that there is a balance sitting there. When my card was closed it was {$1500.00}. My credit report shows {$2000.00}. She said her system shows {$3500.00}. I asked that since this account is very old, if I can resolve it with {$1000.00}. She said no. I am also aware from working with another collections company that since the statue of limitations is over, that the collection company can not negotiate any longer and that the consumer can offer an amount to resolve the account. XXXX XXXX was not hearing any of this. All she kept doing was threatening me with legal action because her computer showed that something had been filed and it was still ongoing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information that was being reported by XXXX different creditors on my consumer reports with the XXXX XXXX XXXX TransUnion, initiated over 6 months ago, and I never received any correspondence that the investigation was started or completed and there is no evidence on my recently ordered credit reports that an investigation was ever conducted. It is my right under the Fair Credit Reporting Act to dispute inaccurate information. I sent letters to dispute inaccurate information on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to no avail.
Product: Credit card

From XXXX I had a hotel stay booked in XXXX at XXXX XXXX XXXX XXXX XXXX through Citi XXXX XXXX XXXX On day of check in I was told at the XXXX that my reservation had been canceled and I would have to call who I booked through. I called citi consumer service and finally got transferred to who supposedly could rectify the issue. Citi told me every is good you should be able to check in. That was not the case. I get Citi to call the hotel and talk to them. Still nothing is solved. I am then told that I would have to rebook and get a refund for the original reservation. So I use another card and book my stay for a higher price. I check the next week the charge for {$560.00} is still on there. I contact customer service and they said it will take a week or two but I would get refunded. It has now been 54 days. This is with countless emails and phone calls. Emails said for over a month that they are not able to get ahold of the hotel. They told me I could try and get ahold of the hotel. I called and got ahold of them no problem. I have sent dozens of emails to citi and spent hours on the phone trying to get this resolved with no luck. I have since closed my checking and savings accounts with citi because their is no chance I want to deal with their horrible customer service ever again. Even closing those accounts was a nightmare requiring numerous phone calls and being transferred to different departments. Any time I tried to transfer money I would have to call and get my account unlocked. I could never in good faith recommend Citi as a financial institution to even my worst of enemies.
Product: Debt collection

The company has been calling me harassing me since XXXX of 2015. I have spoke to about XXXX people. I have the name of XXXX XXXX as a rep. All of the reps are very rude, call and tell me they have a incriminating evidence attached to my social and will read the last XXXX, tell me i have committed fraud and they will forward my file for further legal action, and good luck and will hang up. When I told XXXX XXXX i would be filing a complaint with a government he told he did not care what i filed. The calls from a several different places across the US from GA, TX and CA.
Product: Debt collection

Navient is continually contacting my employer after multiple requests and certified letters to stop. XXXX XXXX from Navient was harassing another employee with my same first name until the other employee threated the police.so sent another letter certified and now they are calling again.
Product: Mortgage

We are now finding out we were sold a number of loans through WAMU that had liquidated all Heloc capital on XXXX homes, and pushed a refinance on to our real estate portfolio whereby we were sold more toxic instruments of lending. 
The full, detailed statement in one of the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you a 2nd request on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got frauded in XX/XX/2018 They caught the fraud told me then closed my account i sent them the stuff they asked for .It wasnt me .They never tried to comply. About whi did it just wear it was done on XXXX XXXX.from a hacker .need this matter resolved so i can have my credit card back or new one sent.
Product: Credit reporting or other personal consumer reports

This letter serves as a follow-up to prior communications regarding the XXXX XXXX XXXX XXXX XXXX Respondent has XXXX reported as accurate and belonging to me. Despite this assertion, the company furnishing the information has failed to provide proper certification of the alleged debt. While they have yet to respond to XXXX of the XXXX CFPB complaints, they did respond to the other by providing a copy of credit card statements for the alleged account XXXX XXXXXXXX. However, they have not certified that they possess or can produce the original document obligating me to pay, either for my review or for review by a judge in court. 
As your legal team can confirm, under the rules of evidence, the company must produce the original document to establish standing in any claim. Furthermore, they have failed to return the debt collector certification, further discrediting their claim. By failing to produce such documentation, they have effectively conceded that they do not have a valid claim. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of XXXX XXXX, XXXX XXXX of the XXXX XXXX. By continuing to report inaccurate, incomplete, and unverifiable information after being notified, XXXX assumes liability for these actions. Liability for this debt has not been lawfully established. 
Please be advised that XXXX is engaging in fraudulent reporting, in violation of XXXX XXXX, section XXXX ( XXXX ) of the XXXX XXXX XXXX debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Liability for this debt has not been lawfully established. PLEASE SEE ATTACHED.