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

On XX/XX/XXXX I had an invoice for {$3100.00} presented to me for services rendered at a XXXX dealership. The service department said that I could apply for a XXXX XXXX XXXX Credit Card offered by Synchrony Bank and get a promotional offer of no interest on the balance if paid within 12 months of the date of purchase. I agreed and was approved for the issuance of the credit card. ( Statement attached with statement closing date of XX/XX/XXXX showing XX/XX/XXXX transaction. ) The next statement ( closing date XX/XX/XXXX - attached ) listed a transaction summary that included a promotion correction charge dated XX/XX/XXXX ( prior to the original transaction ) of {$1100.00}, a promotion correction charge dated XX/XX/XXXX of {$3100.00}, and on XX/XX/XXXX an adjustment credit to my account of {$3100.00}. 

In XX/XX/XXXX I contacted Synchrony Bank using the customer service phone number and spoke with a XXXX who transferred me to a supervisor named XXXX. He said that he would have the {$1100.00} promotion correction removed and it should take no more than a month. 

What ensued for most of the next XXXX months was a series of phone calls from me to Synchrony Bank speaking with various customer service representatives and their supervisors attempting to resolve this issue. Twice on XXXX different statements ( statement closing date XX/XX/XXXX and statement closing date XX/XX/XXXX - both attached ) credit adjustments were made to the account in the amount of {$1100.00}. Both times a promotion correction charge was added back to the account in the amount of {$1100.00}. 

The statement closing date XX/XX/XXXX also added on XX/XX/XXXX interest charge on purchases of {$360.00}. This resulted in a new balance of {$1500.00}. In order to protect my credit score, on XX/XX/XXXX I paid the new balance of {$1500.00} leaving a zero balance. 

In XX/XX/XXXX I also submitted to Synchrony Bank their written dispute form outlining the events as described above ( attached ). 

The initial purchase amount of {$3100.00} was paid prior to XX/XX/XXXX with the final payment of {$360.00} made on XX/XX/XXXX ( as shown on statement closing date XX/XX/XXXX ).
Product: Vehicle loan or lease

My ex-husband recently died and had a car loan with Huntingdon Bank. We are still waiting for the court paperwork naming me executor of the estate, which will enable me to sell the car and clear the loan. I have made several calls to Huntingdon Bank to explain we are waiting for this paperwork. Today I received a phone from a XXXX XXXX at the " litigation division ''. Without any discussion from me, or apolgies for the loss of a family member, he started yelling that " they were coming for the Car '' and I needed to get a lawyer because they were taking me to court. This is completely and utterly unacceptable. I offered to give him the name of my lawyer, so he could check this was all legal. This was not Ok by him and I was told that my lawyer should call him immediately. Absolutely unacceptable after a family has faced a huge huge loss and is doing everything correctly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Was denied credit and the denial letter stated that LexisNexis reported a judgment. I requested my consumer file on XX/XX/XXXX. I received that entire file dated XX/XX/XXXX and found several errors. Incorrect spellings ( unknown ) of my name, incorrect ( unknown ) addresses, and two judgments one of which had one of the incorrect spelled names ( unknown ). I contacted LexisNexis via phone call on XX/XX/XXXX. I went through my file page by page line by line disputing incorrect information and was assured that it would be correct and that I would receive an updated report within 30 days. I received my Results of Investigation file on XX/XX/XXXX and realized that nothing was removed. I call and spoke with another rep ( a guy ) this time and went through my file again line by line, page by page and asked him how was this judgment verified. he insisted that it was Public Records and that was how they verified it via that database. I told him that I had spoken with the courts and the clerk could not find any judgments for me after I had given her my drivers license number, my social security number, and my full name. He informed me that he would open a Reinvestigation and forward it to the ESCALATION Department. On XX/XX/XXXX I received a third copy of my file and again nothing was deleted or verified. I then sent a certified letter asking for verification method, the names and phone numbers of people they may have contacted to verify and listed every error in detail with the page number in which they could be found. Again, I asked that this incorrect unverified information be removed. I received a response dated XX/XX/XXXX that said everything was verified and that I should contact the courts and have them update their system. I called the Justice of Peace XXXX XXXX - XXXX Court and spoke with XXXX ( XXXX ) and was told again that there was no way to verify the judgments that LexisNexis is reporting because those files were in " storage '' and that some one would have to physically go retrieve them and that the judge is the only person that could do it because these are personal confidential files. I called LexisNexis again on XX/XX/XXXX and spoke with XXXX and asked how was this verified and she told me the same thing about it coming from Public Records but when I ask what Public Record if the court that they say has the judgment is telling me that they do n't have verification to provide me how is it that LexisNexis is getting verification? She told me that she would open ANOTHER Reinvestigation and forward it again to the ESCALATION department. I sent another certified letter on XX/XX/XXXX asking for written proof of verification and for the unverified information and incorrect names and addresses to be removed. I have denial letters for Insurance Coverage from XXXX and denial letters for car loans with reasons being adverse information provided by LexisNexis.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report for all three credit agencies that I do not recognize and were not authorized by me. 

-XX/XX/XXXX- Company and date of unauthorized Inquiry XXXX XXXX. XXXX, XXXX, XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX -TransUnion- Company and date of unauthorized Inquiry XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX -XX/XX/XXXX- Company and date of unauthorized InquiryXX/XX/XXXX Business CRED - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX Business CRED - XX/XX/XXXXXX/XX/XXXXBusiness CRED - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXX/XX/XXXX Business Cred - XX/XX/XXXX XXXX XXXXXX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

SW CREDIT SYSTEMS INC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, SW CREDIT SYSTEMS INC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

I'm demanding validation of the debt I alleged owed XXXX pursuant to 15 usc 1692g to Professional Financial Services and XXXXXXXX XXXX XXXX. I'm making it clear I completely disagree with this alleged debt with communication in connection with debt collection 15 USC 1692 ( c ) .I disagree you are the original creditor 15 USC 1602. I'm disputing the entire amount. Your company shall cease and desist harassment pursuant to Fair debt collections Practice Act 15 USC 1692 ( c ) ( d ) ( e ) ( g ) ( k ) ( f ) ( I ). You must rebuttal my affidavit with evidence. Please keep in mind that statements of credit are not proof of a creditor nor is it proof that any transaction took place. Because I am the only party to this transaction I am the only one who verifies whether the information you provide is accurate or not.
Product: Vehicle loan or lease

First my loan was originally with XXXX XXXX. I received mailing of a coupon book for payment on behalf of the finance company. I am almost 30 days late. I have contact by phone numerous times from different numbers regarding my payment within a 7 day span on today and XXXX XXXX XXXXXX/XX/XXXX of last week, I have received text messages. Today text threatened with repossession if I don't send a payment. Also I was asked for the location of the vehicle. I did stayed in my text response that a payment will be made on Thursday. The ha still continued until I stopped responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts has violated my rights. : XXXX, ACCT # XXXX XXXX XXXX, ACCT XXXX XXXX XXXX XXXX, XXXX, ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXXXXXX XXXX XXXX ACCT # XXXX XXXX XXXXXXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXXXXXX XXXX XXXX XXXX XXXX, ACCT # XXXX 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
Product: Student loan

On XX/XX/XXXX, I received an email from Mohela stating that my student loans were more than XXXX days past due which is not true. As previously stated Moehla received XXXX payments from me in XX/XX/XXXX for XX/XX/XXXX bill, XX/XX/XXXX for XX/XX/XXXX bill and XX/XX/XXXX for XX/XX/XXXX bill which I later found out that the administrative hold was placed on all accounts and no payments were due until XX/XX/XXXX. As a result, I asked for the money to be refunded which did not take place. Please see screenshots of payments as proof. For the months of XXXX and XXXX, I received statements from Moehla stating that no payment was due. On XX/XX/XXXX, I received a notice from Mohela stating that my payment was due on XX/XX/XXXX, so I paid it on XX/XX/XXXX to ensure its timely arrival. I later found out that Moehla, applied the XX/XX/XXXX payment to the month of XXXX and there wasn't a payment due in XX/XX/XXXX. I called Moehla several times and requested that they correct my bill and the supervisor stated that she would. She also stated that she would use my previous payments to pay my bill forward to XX/XX/XXXX but that has yet to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I desperately need some help. I run a charitable 501c3 documents included. the website in XXXX my organization requires that my credit be ok enough to provide food, medicine and basic services in order to save veterans and wild mustangs. 

I have made multiple attempts to rectify late payment reporting with XXXX XXXX XXXX and not only did they do nothing they made a claim that a payment was not honored by my bank XXXX. I will include actual photos from my account with the date of payment being XX/XX/2023 for {$1000.00} which was withdrawn from my account. On XX/XX/XXXX XXXX XXXX stated that the payment was not honored. I then called them and went to XXXX to confirm that payment was made. This has caused be great stress and in fact I made another payment that day of {$450.00} on the XXXX of XXXX. I have also included proof. I ask that all late payment please be removed from my credit report and as of the time of this report I still do not have the original amount of {$1000.00} either credited to my bank account which paid the item on XX/XX/XXXX nor XXXX XXXX has credit the credit card account.
Product: Debt collection

We are receiving multiple calls per day at XXXX different phone numbers looking for contact information for a relative. 
Not sure how they got our phone numbers.
Product: Money transfer, virtual currency, or money service

Dear sirs. 
I need your kind support for the below issue. 
I already sent emails calling every days. 
But still I didn't get my money. 
Today I called the name of person is XXXX XXXX. 
XXXX XXXX XXXX. 

Id. XXXX. 

Mob. XXXX stn. XXXX Ticket # XXXX sent date. XXXX. 

Sent by XXXX XXXX Status. Not receeived yet.
Product: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is [ XXXX XXXX XXXX ], but it is listed incorrectly on my credit report as [ XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX ]. I request that my name be updated to reflect the correct information. 
2. Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ], but my credit report shows an outdated address as [ XXXX XXXX XXXX XXXX XXXX fl XXXX ] I request that my current address be updated accordingly. 
3. Contact Information : The phone number listed on my credit report, [ XXXX ], is no longer in use. I request that my new phone number, [ XXXX ], be updated as my primary contact number. 
I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ XXXX ] or via email at XXXX. Thank you for your cooperation. 

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

I have been submitting a disputes for SEVERAL MONTHS NOW against the accounts that these XXXX credit bureaus keep posting in my credit report. I have reason to beleive that these accounts are INACCURATE and UNVERIFIED information but they keep showing up in my credit report. They have not shown any legal evidence or proof of the original contract indicating that these accounts were made by me or owned by me in those months that I have been asking for proof or any signed agreement. I have asked for legal advice and was informed that what they are doing is against my rights and is not complaint with the FCRA/FDCPA. This has been causing me tremendous XXXX  and XXXX XXXX, not to mention FINANCIAL concerns especially in these times of the post-pandemic. They have not been helpful in resolving and properly investigating this request as I have asked, and I have been contemplating on taking them to court to resolve this, however, it would be more helpful for me to have the accounts corrected SOONER rather than later, and thus, the main reason for me giving them, literally, XXXX MORE CHANCE to do the right thing and REMOVE all these inaccurate and unverifiable information from my credit report. I hope you could help me shed light on them regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle with XXXX XXXX in XX/XX/XXXX. 39 month lease. 100 % on time payments. At the end of the lease in XX/XX/XXXX I returned the vehicle. I received confirmation ( in the form of a document I have and signed ) that the 2 sets of keys were returned, the lease has ended, they received the car and the mileage allowed did not go over. I also have a condition report that the car was in perfect condition and dealership was going to sell it. However XXXX XXXX since XX/XX/XXXX keeps submitting to my credit reporting agencies that I am late on payments for XX/XX/XXXX and XX/XX/XXXX and will keep submitting that I am late for every month until this is corrected. due to this incorrect reporting my credit score has dropped around 50 points. I have 100 % on time payments with everything including XXXX XXXX. XXXX XXXX computer system thinks I still have the vehicle and they think I still have payments so when they don't receive a payment they are reporting it late. It's impossible to make a payment on a vehicle that I do not have any longer, nor do I have an open account with XXXX XXXX. When I call XXXX XXXX they keep apologizing and say that their records show I owe property taxes on the car, which XXXX XXXX knows is incorrect because the car is in California and we do not have property taxes here. I have been disputing this since XX/XX/XXXX and yet XXXX XXXX continues to report that I own the car and that I have payments. The vehicle has been sold and XXXX dealership confirmed that. My lease is up, I do not have the vehicle and I do not owe any money, especially property taxes. XXXX XXXX refuses to correct it with their automated billing. This problem will never ever end and they will continue to report late payments every month and their computer system will not stop. I need your help to stop this. I have disputes with XXXX, Equifax and XXXX. All agree this is an error but can not stop XXXX XXXX 's reporting late payments every month to them. Please please help me. I have never been late on any payments and this false inaccurate reporting by XXXX XXXX has to end now. I have called XXXX XXXX many times and they do not want to help and they do not want to look into the property tax charges, even the tax collector has called XXXX XXXX to say no taxes are due, yet XXXX XXXX   continues to say I owe taxes, but they are reporting it to the agencies as late payments. They are really a messed up system that doesn't want to help. i am praying you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Equifax XXXX XXXX to lock my personal information by certified letter and to this day I have not received a response. I have never given this company any written or verbal permission to access my personal data and distribute it to employers, third-party solicitors, or any private entity.
Product: Mortgage

I was looking for someone to help me with my mortgage payments i was refered to a person who is a specialist. in home modifications, he asked me for. all the requirements and asked. me to pay him for his help,
Product: Credit reporting

I am a identify theft victim and all my credit reports have a identify theft alert on them. My credit file also had an opt-out for promotional inquiries. This is evident from 2 of my other credit reports XXXX & XXXX. 

I recently requested for my credit report from all 3 agencies. I received my TransUnion report added XX/XX/2017 and was alarmed that they they opted me in for promotional inquiries without my consent. 

Yesterday XX/XX/2017, I called TransUnion to opt-out of promotional inquiries because i had opted-out earlier when implementing my fraud alert and was surprised by this violation. Over the 2 years I have been harassed by credit ( e.g., XXXX ) and other insurance offers but I had no idea why. 

When I called, they redirected my calls from one dep. to the other, transferring me to their Fraud Alert Dept. XXXX, assigning new File # XXXX, escalating to supervisors and giving me a run around just so I may not be able to opt-out of promotional inquiries. Instead of identifying me accurately and making an update they harassed me so that they can make money by selling my data against my will. 

As a result of their violation, them have sold my data and personal details, address info which makes me a target of credit offers and identify theft. Promotional inquiring companies may have created 3-party databases and selling my data on the free market without my consent. This is major risk to my credit file and data contained therein. 

The request was simple -- I needed to opt-out of Promotional Inquiries. But they went through extraordinary measures to prevent a fraudulent update of just of my opt-out request. I was n't impersonating anyone or asking for new credit. TransUnion was very opposed to my update and fought me and harassed me so that they can continue to sell my credit data. 

Their motive was simple. They make money on promotional inquiries even though these soft requests do not affect my credit score. But that is no reason to violate my privacy and my credit file without my consent. 

I left a message yesterday and they did not call back. Only around XXXX on XXXX XXXX did I get a call and a voicemail. Once again asking me to call them back.
Product: Credit reporting or other personal consumer reports

I was denied an account with a credit union because of the number of different names attached to my credit report file with XXXX. 

XXXX has a number of different spellings and variations of my name and XXXX totally different name. 

I filed a dispute advising that the information was incorrect and needed to be corrected seeking also the source of these mispellings and wrong names. 

Experian response to the dispute was that they would not remove it. I do not know where the information came from but I know what my name is and the only name that I have ever gone by is my legal name XXXX XXXX XXXX which is spelled XXXX XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash Appfailed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.