23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Back in XX/XX/XXXX I paid off the entire balance I had on my Amazon card synchrony Bank, in XXXX I was charged a late fee, I called synchrony bank and they told me I put a stop payment on my automatic payment that runs thru XXXX XXXX checking, I explained to the operator and she asked me to call XXXX XXXX and correct the issue, I did call XXXX  and spent several hours with them and they didnt find any issues blocking automatic payment to synchrony bank, today I ran into the same issue synchrony is trying to collect late fees for the account, reported to my XXXX XXXXXXXX credit report and deducted from XXXX to XXXX, they are looking to collect late fees and said can not remove them from the account, today XX/XX/XXXX spoke with XXXX XXXX No operator number, extension number, or last name, refused to correct the account and said I put stop payment to my automated payments theres nothing she can do. I never put stop payment on my account! To prove it while I was on the phone with her I sent {$150.00} and she confirmed the payment was made, so I just want to straighten this up and recover my credit score remove any late fees and delete bad record in my credit report ( s ) clearly some glitch in their system is rejecting my auto pay, and they blame it on my and my bank while my credit score is being affected by their reporting and today i found out they are closing my credit account, i didnt do anything wrong, just pay loyalty and this bank is punishing me and my credit score for their failure to fix the issue.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 XXXX XXXX XXXX, XXXX, XXXX Dear XXXX, XXXX, XXXX I received a copy of my credit report and I have found the following items listed below to be in error. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as later 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 20 days before the payment due date. 
I NEVER gave You, XXXX, XXXX, XXXX, OR CAPITAL ONE any written instructions to furnish any information on my consumer report. 
Which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and anxiety due to the abusive and unfair practice. 
You XXXX, XXXX, XXXX should be ashamed of yourself for ASSUMING this Role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 
CAPITAL ONE By the provisions of the fair Credit reporting Act, I demand the these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. 
It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C 1681i ( a ), you must complete this reinvestigation within 10 days of receipt of this letter. Please send an update copy of my credit report reflecting the requested changes. 
Best Regard, XXXX XXXX ( Agent/Beneficiary ) Without Prejudice, All-Natural Inalienable Rights Reserve
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of this year my XXXX XXXX was tanked around 49 points of non payment on this card when the card balance was {$0.00}.
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX XXXX by this person from XXXX  ( XXXX XXXX XXXX XXXXXXXX ). I Deposited money with international money transfers apps ( Remitly, XXXX XXXX, XXXX, XXXX, XXXX  ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then I can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : XXXX XXXX XXXX Please help me, what should I do to get my funds back. Should I report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX? Can they be trusted?
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$600.00} Placed for collection Disputed XXXX/XXXX/XXXX for the second time Disputed the first time XXXX This account is fraudulent. I am not aware of what I am being charged for what so ever. It has also been transferred to another agency but remains on my credit after dispute.
Product: Debt collection

On XXXX XX/XX/2021 and in XXXX of 2021, I contacted Synchrony bank via written communication abut a debt being reported on my credit report. I asked Synchrony bank for debt verification and received no response several times. Also disputed via XXXX, XXXX, and XXXX and was told debt was valid with no explanation of how it was validated, and I specifically asked for this to be explained. I don't trust any of these methods of validation when I have documented proof of the same thing happening with 2 separate companies and I was told the debt was valid by the reporting agencies and the supposed debt collector couldn't & removed it. This is defamation of character and having a negative impact on my credit and my financial reputation. I sent multiple letters to Synchrony bank and received no resolution. Filed a complaint with the XXXX XXXX XXXX, this is currently in process.
Product: Debt collection

I settled all of my debts when i sold my home in XXXX of XXXX. Now Midland Debt Collectors are saying i didn't pay all of my debts off and seized my savings account for payment and placed funds on hold until the year XXXX. If I didn't pay off the debts how did I get a payoff of release to get funds for my home? My credit report is clean no debts owed. Didn't list the original creditor or account number amount owed what year account was listed for collections. I don't think this is my debt. Why didn't this judgement report on my credit report like the others did.
Product: Money transfer, virtual currency, or money service

I don't mind using the name of my account which is 'XXXX XXXX ' otherwise how would they know that it's my account? Cashapp cancelled my account several weeks ago and none of my many emails to customer service yielded any reasons as to why. All they could say was some 'investigation ' was doing on. I'm convinced that these people don't know what they are doing or can not admit when they are wrong. My account is close to XXXX years old and I haven't done anything to warrant cancellation. My use of this account has not change. It looks like they're hoping that I will 'get lost '.
Product: Checking or savings account

I received a Bank Account Monitoring Alert from my monitoring company, XXXX XXXX, indicating that Bank of America had identified me as part of a new account opening on XX/XX/2022. This was absolutely not true. 

I began the process with XXXX XXXX to indicate that I was not aware of the specific activity. After several calls with XXXX XXXX and with Bank of America via XXXX I confirmed that my identity had not been used. I subsequently advised XXXX XXXX that all was well. 

On or about XX/XX/2022 I received a letter from Bank of America instructing me on how to manage my two ( 2 ) accounts. Then, on XX/XX/2022, I contacted XXXX XXXX and Bank of America to delete my two ( 2 ) accounts. I was on the phone for nearly 2 hours with Bank of America XXXXepresentatives in Florida, Texas and subsequently in Tennessee. The third representative confirmed that my accounts were finally closed and I advised XXXX XXXX of this.
Product: Credit reporting or other personal consumer reports

Location HYUNDAI MOTOR FINANCE CO XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XX/XX/2023 This information is incorrect and should not be on my credit report. I am asking for it to be removed immediately, as it is incorrect and a violation of the FCRA fair credit act. I have not done business with this company, nor have I any open or closed accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to the Credit Bureaus today to inform the Credit Bureaus I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permission. The accounts in question are 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can assure the Credit Bureaus that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I was on my XXXX XXXX account and clicked on one of the menu items. I was prompted to update some basic information, and then suddenly was told that I'd opened an account and that a debit card was heading to me in the mail. I did not consent to opening an account, I did not want to open an account. I simply wanted to check on my loan information and their website has ( probably intentionally ) confusing design. Their help page on their website won't let me submit the form to complain to address the issue, and they have no contact number. Totally reprehensible behavior from a company that is supposed to be about helping people get good credit.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation '', that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, If you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information recelved from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. I have previously reported this information and requested method of verification. I have requested documentation proof of this information being accurate and have not received neither. I did not authorize these inquiries PLEASE remove them immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not been provided as requested method of verification or documentation that justifies proof that these erroneous accounts are accurate and in fact reporting per FCRA requirements. PLEASE REMOVE THESE ACCOUNTS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/22 I alerted each of the bureaus that I am a victim of identity theft and that 15 US Code 1681 c 2 says that they have to remove and block the items within 4 business days. The items remain on my report. XXXX XXXX XXXX XXXX XXXX, and 2 XXXX accounts are listed on my identity theft report. XXXX XXXX and XXXX have charged off both of the fraud accounts and sold them to collection companies. Despite doing this, they remain on my report. They are violating XXXX XXXX XXXX XXXX b by not reporting accurate information. Each of the accounts listed on my identity theft report are also violating 15 USC section 604 a section 2. Nobody can furnish an account on my credit file without my written permission : I have not given anyone written permission. XXXX XXXX and XXXX are committing tax fraud by reporting these accounts. According to the IRS, these accounts are considered income.
Product: Mortgage

Contacted Suntrust now Truist regarding the covid forbearance program, however they said they were not following the recommended implementation for XXXX XXXX XXXX, and that instead veterans must request 90 day segnents rather than the six month initial period and 6 month additional period set forth by the XXXX XXXX XXXX XXXX XXXX XXXX. 

So, I naturally contacted them during the following 90 day segments. 

I was told there would be a paperwork to sign at the end of the program related to modifying the loan. 
However Suntrust now Truist has not sent that paperwork. 
And their automated system is not allowing me to make a payment on the loan. 
I have tried relaying these concerns to Suntrust now Truist. 
But the representatives say it is too complicated for them and they need to wait for an answer from their litigation team before sending me those forms. 
1 ) Does this mean that instead of following the governments guidelines, that they are preparing to ambush me with some sort of litigation? 
2 ) Can they use a less scary name for their " litigation team. "? 
3 ) Why is their system rejecting my payments? 
4 ) Why does Suntrust now Truist not to follow the department of veterans affairs own guidelines for the covid relief program 's time periods? 

Additionally, Suntrust now Truist had refused to recognize the local tax authorities ' crrtification of my property tax exemption, and overpaid my property taxes from the escrow account. 

This exemption has since been recognized by Suntrust now Truist. 

This overpayment occured on XX/XX/2021. 
The overpayment was returned and received by Suntrust now Truist on XX/XX/2021. 
With the escrow being funded from the loan, this seems to mean that my loan balance increased for a period of 16 days, due to Suntrust now Truist drawing funds out for escrow. 
Additionally for several months, while Suntrust now Truist refused to recognize the property tax exemption and paperwork forwarded to them by the City 's tax office, it seems funds were taken out in order to fund future calculated tax bills. 

This seems to have had the effect of un-needingly enlarging my total loan balance and accrued interest at Suntrust now Truist 5.So my escrow account amount, and interest amounts are in need of review and correction.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. The fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1692c ( c ), it is explicitly stated that upon the consumer 's notification to a debt collector of their refusal to pay debt, the debt collector must cease all communication. As such, I am exercising my right to request that all communication, whether in writing or by phone, cease with immediate effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are unverified on my credit report. I contacted XXXX  XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX this the third time I have disputed the above accounts with no response from the collections agency.
Product: Vehicle loan or lease

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ... $ XXXXper month ... wife has XXXX and was XXXX..i had to take care of all bills.
Product: Credit card or prepaid card

On XX/XX/22 I paid for my brothers birthday dinner in the amount of {$480.00} using my Apple Card via XXXX XXXX. Per my Apple Card wallet app, the aforementioned purchase entitled me to 2 % in XXXX XXXX back totaling {$9.00}. 

Typically Daily Cash back is dispensed the following business day to your XXXX XXXX account. 

It should be noted that Apple Card is operated by Goldman Sachs whereas XXXX XXXX is facilitated XXXX. Additionally, there is no shared oversight between the entities and they have no access to each others in-house systems. 

When a few days past without the {$9.00} hitting my XXXX XXXX I submitted a dispute to Apple Card. During their review they claimed their was no error. So I called XXXX XXXX and an XXXX associate screen mirrored my phone and confirmed I did not receive the promised {$9.00}. The XXXX XXXX associate then called a Goldman Sachs Apple Card representative who then resubmitted my Daily Cash review, and a few days later I got another email saying their investigation yielded no error. I then reached out to Apple Card again and escalated my issue, and now have spent countless hours via text and phone trying to obtain my 2 % cash back for this particular transaction. 

Typically Daily Cash back rewards are nominal in value because based on the transaction rewards vary from XXXX %. I only happened to catch this error bc I was expecting a larger sum based on the purchase. 

My concern is, Im currently aware of 2 transactions in which Goldman Sachs has yet to payout their promised cardholder rewards but how many other customers have fell victim to their deliberate false accounting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. My rights have been violated. 
15 U.S.C. 1681 Section 602 States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX Bank and XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the XXXX Credit Bureaus with no successful resolution. There was definitely an error on their part. The XXXX credit bureaus must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information. 
XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX