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

XX/XX/XXXX - I responded to a promotional credit card offer from Suntrust ( offer attached ). As part of the application process, I provided account information for my XXXX XXXX Credit Card as a card balance I was interested in transferring. This account is currently under a 0 % interest promotional period until XX/XX/XXXX. I was interested in transferring the balance before the promotional period expired. 
XX/XX/XXXX - I received notice via e-mail that my application had been approved for a credit line of {$2300.00} ( see attachment ) XX/XX/XXXX -  I received a letter from Suntrust stating that since my approved credit line was less than the balance I had requested to transfer, Suntrust would transfer {$2300.00} of the approximately {$4500.00} balance from my XXXX XXXX account unless I instructed them otherwise. 
XX/XX/XXXX - I e-mailed Suntrust customer care using the only e-mail contact available on the Suntrust website advising that I was not interested in transferring a partial balance from my XXXX XXXX account and specifying two smaller balance accounts to transfer instead ( see attachment ). 
XX/XX/XXXX - I checked my XXXX XXXX balance and realized that Suntrust had transferred {$2300.00} against my instructions and against their written policies ( see attached disclosure ). After a little more research, I determined that Suntrust had transferred not only the XXXX XXXX balance that I had instructed them not to, but the smaller card balances that I had requested resulting in my having a balance of {$3800.00} ( {$1500.00} over my approved credit limit ). I again e-mailed Suntrust and requested an explanation ( see attachment ). 
After several e-mails and telephone calls to Suntrust 's Customer Comment Line ( which uses a very complicated automated system and has many tiers of CSRs without the authority to resolve the issues ), I received a voicemail message yesterday from XXXX XXXX, a Suntrust representative, advising that they had e-mailed XXXX XXXX and asked them to return the {$2300.00}. XXXX XXXX stated that that was Suntrust 's final resolution to the issue, and they had no intention of taking further action. 
A copy of my Suntrust statement is attached showing that Suntrust charged interest on the entire {$3800.00} balance and is currently showing a minimum payment of {$1500.00} due on XX/XX/XXXX. 
I have worked for years to maintain and improve my credit score.  That is why I applied for this card. Instead, Suntrust 's actions have already caused my credit score to drop 72 points. If they are allowed to require a minimum payment of more than {$1500.00} in two weeks, I will never be able to recover. If their actions were good faith errors, why are they not interested in correcting them?
Product: Credit reporting

Hello, I have a judgment appearing in the public records section of my credit report on XXXX and Equifax. This item has been removed from my XXXX credit profile. My concern is that the date appearing on the item is different on my XXXX and Equifax credit profiles. I 've disputed this a couple of times and never get a satisfactory response. I do not want this item to remain on my credit profile longer than it should be. At this time my dispute is not with the company that filed the judgment, but with XXXX and XXXX for reflecting the wrong date. This judgment was filed against me in XXXX XXXX, so it should be up for removal in XXXX XXXX. I 've included a screenshot of what appears on my credit with all three major Consumer Reporting Agencies, including how it reflected with XXXX prior to removal.
Product: Credit card

I spoke to best buy credit card services. I always set up payment arrangement and tell them my financial problems. I 'm current on this account until next month. They closed my account and said they have a problem with me. The customer service representative i spoke to was so rude and told me that if i paid my account on time and not be like the rest of the world ; my account would n't be closed. I told him i wanted to speak to a supervisor and he hung up. This company is very rude. Well Citi Bank is who lends to Best Buy.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because a debt has been reported to the credit bureaus and is now being collected by XXXX XXXX XXXX ( XXXX ) or a third-party collection agency, despite the fact that I never received the service I was charged for. 

I signed up for aligners through XXXX, but they failed to deliver the promised services. I attempted to get help from their customer service and account management team multiple times. Eventually, I received written confirmation via email from a XXXX account manager stating that my account would be canceled and refunded. Despite this, the lender ( XXXX XXXX has continued to report the account as delinquent and has even sent it to collections. 

I believe this is both unfair and inaccurate, and it is severely damaging my credit. I am attaching the relevant emails showing XXXX agreement to cancel and refund the account, which should invalidate any remaining balance. 

I am requesting that : 1. The debt be removed from my credit reports immediately.

2. Any collections activity be ceased.

3. The lender and/or collector acknowledge XXXX agreement to cancel and refund my account. 

Please investigate this matter and assist in resolving it promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX U.S.C XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX AND XXXX XXXX ) Account # : XXXX has violated my rights. DEBT AMOUNT {$880.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX has violated my rights DEBT AMOUNT {$960.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX ) Account # : XXXX has violated my rights DEBT AMOUNT {$790.00} Date Opened : XX/XX/XXXX, XXXX XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX XXXX ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX OF XXXX ( Auto ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX, XXXX CREDIT XXXX Miscellaneous ) ( Inquiry ) has violated my rights Date of Inquiry : XX/XX/XXXX. XXXX XXXX XXXX Section XXXX A. XXXX I have the rights to privacy. XXXX XXXX XXXX Section XXXX A Section : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX U.S.C XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA the XXXX credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. XXXX attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify XXXX % accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights. 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 a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on 4/27/2022.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights! 
Under Act 15 U.S.C. 1681 section 602 says I have the right to privacy. 15 U.S.C 1681 section 604A section 2 it states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B A creditor my not treat a payment on a credit card account and consumer credit plan as late for any purpose. 
Please update the following accounts as Paid, Never Late. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character. 

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 

" upon further research I found this company isn't even licensed to collect in my state ''. 
This is the second time i have complain about Eastern Account System of Connecticut they completely ignore my first complaint so i'm resubmitting. here is a copy of their response- I am happy to assist you, additional information is required to accurately locate the account in question. Please provide account number ; if you do not have the account number the amount reporting on your credit as well as the additional creditor. Please verify your date of birth as well. Thank you Please contact me @ XXXX- thank you
Product: Debt collection

Violation of my consumer rights by reporting and demanding payment of a debt I do not owe or have any recall of owing they have aggressive tactics high jacked my credit with stating to all my credit reports in a negative way and has damaged my ability to purchase a house to move my family in Credit Collection Services XXXX XXXX XXXX XXXX XXXX MA XXXX Collection on XXXX XXXX Insurance I have not had a car with progressive insurance since 2006 and do not owe progressive insurance any money My XXXX XXXX XXXX Email XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

This loan was fraudulently taken out under my name. I did not live in Utah at the time, and I was not attending college in Utah in XXXX. Transcripts will show that I was taking classes in Wyoming. This has been ongoing since XXXX.
Product: Credit card or prepaid card

I reached out to citi dispute via credit card app regarding an experience/service called XXXX XXXX XXXX  for {$40.00} ; transaction date of {$40.00}, which the provider wasn't able to fulfil as the time selected the servcie provider shut down for break. Citi denied my claim but I never got any communication regarding this nor via email or mail. I saw in the app the investigation was complete where the claim was denied but the provider information provided actually did confirm the tickets were not used. Therefore, citi forgot to check the facts. the company also failed to communicate to the client and how they can make sure the disputed amount is refunded
Product: Checking or savings account

In the year 2022 so far, I've seen my app and desktop services malfunction at least half the time, well over 15 times when trying to use them. My phone app repeatedly lies and tells me my phone isn't register so I'd have to redo it, the face ID doesn't work. Then the desktop gets essentially unusable and stays stuck in loading phase at the beginning of opening the desktop system. Only once have I called and they said " we're having a current down time maintenance '' as if there may be some explanation. Otherwise the reps seem to chalk it up as something they'll " look in to. '' I haven't seen any resolve and this system sucks horribly. Also I don't have a wave tip option to my atm card so w covid I have to sit there and punch in the codes and get exposed everywhere I go.
Product: Prepaid card

I attempt to use the remaining balance of this card on XXXX ( using {$1.00} less than the face value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.
Product: Credit card or prepaid card

There were 2 charges to my account that I didn't make. on or about XX/XX/XXXX for {$500.00} and XX/XX/XXXX for {$350.00}. These charges were made by my daughter XXXX XXXX. She applied for her own credit card when making the 1st purchase. Her credit card was approved and sent to her home address in XXXX XXXX NY. I have informed the credit card co. of this, and a copy of XXXX 's credit card has been sent to them in a sincere attempt to correct this company error. 
These charges were disputed and I was making the minimum {$27.00} monthly payments to protect my credit. On XX/XX/XXXX XXXX XXXX Bank sent me a check for {$210.00}, with no explaination of what the check was for. I thought the problem was resolved. Then on XX/XX/XXXX I recieved the XXXX 's XXXX statement that closed on XX/XX/XXXX, with a reversal of the provisional credit of {$350.00}, and a reversal CHARGE of {$21.00}, and also listed the refund of {$210.00}. This bill showed a new balance of {$370.00}. 
Bottom line is I never made these charges. My credit report is not showing this credit card anymore, however I did make the minimum {$27.00} payment and noted disputed on the check. I really needed some time to look into the legalities of what is being done. Do I have to continue making the minimum payments to protect my credit?
Product: Debt collection

DATE : XX/XX/XXXX TO : Portfolio Recovery Associates , LLC FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX XXXX, XXXX ACCOUNT NUMBER : XXXX REFERENCE NUMBER : XXXX RE : NOTICE OF VIOLATION OF CEASE & DESIST DEFAMATION OF CHARACTER NOTICE ( ORIGINAL CREDITOR : XXXX XXXX. ) You are in violation of my original cease & desist demand sent to your company on XX/XX/XXXX via the CFPB portal complaint id : XXXX and another sent on : XX/XX/XXXX via the CFPB portal complaint id : XXXX. I have since received yet another written communication from you dated : XX/XX/XXXX. I do not owe any alleged debts to PORTFOLIO RECOVERY ASSOCIATES , LLC. You did not/ can not provide a written contract or evidence of indebtedness with my signature. You did not/ can not provide a poof of authority to show you have any standing in law to attempt to collect anything from me. In your written communication, you list XXXX XXXX. as the original creditor ; I do not have a contract with them and if I did, I never provided consent to XXXX XXXX. to sell, exchange or provide any information to third parties, including PORTFOLIO RECOVERY ASSOCIATES , LLC. How did you obtain any of my information? All consumer transactions are private. I demand you to provide the original contract between XXXX XXXX, myself and PORTFOLIO RECOVERY ASSOCIATES , LLC authorizing you to contact me in any capacity. Provide the accounting, ledgers, wet ink original signatures. Your threats to furnish any information to any of my consumer reports will result in a lawsuit. You are using Color of Law to attempt to collect, furnish, share, disclose and report inaccurate information about me as defined by federal law. Unless you can provide me with proof that the original creditor had lawful authority and or consent in accordance with 15 USC 6802 ( b ) ( 1 ), to share my information with you, as well as authority to include it on my consumer report, I demand that your company cease & desist all collection attempts, furnishing of information to consumer reports and permanently delete any and all information related to me within 4 days pursuant to 15 USC 1681c-2. 
Failure to comply and or properly respond to this notice will serve as your reluctant agreement to the statements made herein, your agreement to full liability for any injuries caused, criminal prosecution and will absolutely result in legal action being taken against you. I declare under the laws of God that the aforementioned statement of facts is true and correct.

All rights reserved. UCC 1-308
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX XXXX XXXX Balance : {$520.00} XXXX OF XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$5700.00}
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX XXXXXXXX and 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 reported in ( MONTHS REPORTING LATE ) to be removed. 


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. 


EXPERIAN 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! 


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

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

In XXXX of 2021 I closed on a XXXX XXXX XXXX XXXX XXXX loan 30 year fixed with company LoanDepot.Com. Through the course of the pandemic I faced a hardship and exercised my rights under the CARES act to request a 12 month forbearance. At the end of my forbearance period I requested a Covid 19 Flex Modification to add the payments to the back end of the mortgage. This is what was explained to me that I could do at the time i requested my hardship forbearance in XXXX of XXXX when the hardship was over, the company denied my covid 19 flex mod. They told me it was denied bc it was an asset loan and that i needed to provide them paperwork showing them it was a XXXX XXXX loan. I did, they told me two monthsafter my request that they had sold my loan and purchased it themselves. This is now longer considered an XXXX XXXX govt loan protected under the CARES act and they want the 12 months back payment in full. I do not have the money and they are threatening to foreclose on my property. This seems illegal to purchase the loan back one month prior to being able to request the flex modification and have them foreclose on my home. This is predatory lending.