23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX  I attempted to make a early payment on my Synchrony XXXX account ending in XXXX and found out the account had been closed! Please understand, I opened this account in XXXX and never had any late payments, with a credit limit of {$4500.00} and {$480.00} balance, as of my contacting Synchrony. I was informed that they reviewed my account and Synchrony Bank decided to close my account based on some information they received from XXXX XXXX XXXX XXXX. Synchrony alleged the following : Not enough balance paid down over time on real estate secured loans! 
Too many revolving accounts with high balance compared to credit limit! 
Delinquent or derogatory status on real estate secured loan is too recent! 
Unpaid collection! 
I informed Synchrony the information they alleged receiving was incorrect and inquired as to what accounts they were referring too! and as to why would that be a reason for closing my account with them. Synchrony informed me they wouldn't provide me with that information, i'de have to get that information from " XXXX XXXX XXXX XXXX after wards I could reapply for a new account! This response was unacceptable especially when I've had this account for the past 5 years with no late payments and the closing of my account effects my credit score. I want adjudication in this matter and the account reopened!
Product: Credit reporting, credit repair services, or other personal consumer reports

CAPITOL ONE IS REFUSING TO CREDIT MY ACCOUNT WHEN XXXX HAS RECEIVED AS A RETURN AN ORDER BECAUSE I HAVE PROOF. XXXX CS PEOPLE STEAL FROM CUSTOMERS CARDS AND I RETURNED THE ENTIRE ORDER BECAUSE IT WAS DUPLICATED AND BOUGHT BY A CUSTOMER PROBABLY BY SOMEONE IN A FOREIGN COUNTRY. I DO NOT KNOW IF THIS PERSON KEPT MY ORDER BUT I PAID FOR IT XXXX AT CAPITOL SAYS THERE WAS NO FRAUD BY LETTER AND HE HAS BEEN DECEIVED. CAPITOL ONE IS FORCING ME TO PAY FOR SOMETHING THAT XXXX HAS IN THEIR WAREHOUSE. I WANT THIS INVESTIGATED WITH XXXX AND CAPITOL ONE BECAUSE THERE IS FRAUD HERE BY THESE TWO COMPANIES. I DO NOT HAVE ANY OF THESE ITEMS AND WHEN CALLING THE FOREIGN AGENT JUST LEFT ME ON HOLD AND REFUSED TO HELP ME. I WANT THIS RESOLVED AS FRAUD BY A MGR AT CAPITOL ONE. THESE FOREIGN COUNTRIES STEAL CONSTANTLY AND I AM BEING FORCED TO PAY ITEMS I DO NOT HAVE IN MY POSSESSION. I NO LONGER DO BUSINESS WITH XXXX DUE TO THIEVES AND NON EXISTENT HELP FROM FOREIGN CS AGENTS THANKS AND PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a third party! 

According to 15 U.S. Code 1666 ( a ) ( 1 ) ( 2 ) ( 3 ) - Correction of billing errors, on my consumer report there are unverified and inaccurate late payments reporting for XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. I was incorrectly billed and I have proof. 

Please review attachments!
Product: Student loan

I took out a private student loan with Citibank ( XXXX ) in XXXX to attend graduate school at XXXX. Upon completion, I began to pay back the loan ( in XXXX XXXX ). There were XXXX private loans total with XXXX. In XXXX XXXX, Citi sold XXXX of the loans to XXXX. I began to make payments to XXXX, however in late XXXX, due to financial problems, I was unable to make the ballooned payments. I eventually worked out a payment plan with XXXX in XXXX XXXX. We set up a repayment plan for both of my loans with XXXX. XXXX withdrew directly from my checking account to post towards the loan. However, in XXXX, while still on my repayment plan, Citi took XXXX of the loans back and I was not notified by either XXXX or Citi. During the past year ( from XXXX XXXX XXXX ), I was unaware that Citi had taken the loan back. XXXX continued to withdraw money from my account for the repayment plan. I was also still paying back a loan with Citi and I never saw the second loan on my loan account. It was n't until I ran a credit report on myself in XXXX XXXX that I noticed I had a " Charge Off '' loan with Citi. When I contacted them to ask why, they said they took the loan back from XXXX due to delinquency ( even though I already had an agreement in place with XXXX ) to pay the loan. Even though Citi took the loan back, they never contacted me for an entire year regarding the loan. When I spoke to Citi 's Recovery Department, they informed me that they would send the loan to a collections agency to process. I asked if I could just arrange a payment plan with them now since I was never aware of the loan. They said no. In XXXX, I was contacted by a collection agency to begin collecting on my loan. I am in complete disbelief that neither XXXX nor Citi notified me of a loan that was in limbo for an entire year. Now, it has ruined my credit. I have submitted a letter requesting that Citi take back the loan from the collection agency and process it themselves and allow me the opportunity to make the payment directly to Citi. I have also requested that they reverse all the negative action on my credit report.
Product: Credit reporting or other personal consumer reports

Please ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not initiate these accounts and do not recognize them. Under USC 1681g, I formally request their removal within XXXX  days. Supporting documents are included for your consideration.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was the loan XXXX that processor for the loan that I'm applying for sent my sister XXXX my credit report without my permission and XXXX sent my credit report to my sister XXXX. XXXX works for Lexington Home Loans in XXXX Ca.
Product: Debt collection

I opened an account with XXXX 7 years ago and was brought by a collection company called LVNV FUNDING LLC Last reported XX/XX/2020 {$600.00} Open balance XXXX XXXX Original creditor This account was over 7 years old and they are reaging this debt which is legal. Because of this account i was not able to buy a home. They told me i had to settle the debt in which they would remove. I settle the debt and they still did not remove this account.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

This account was opened and I placed an order online. I was sent the incorrect items and when I contacted the company I was told I was being refunded, which wouldve brought my account to {$0.00}. They never refunded or emailed proof of refund and apparently never refunded. So Im being charged for things I never received. I did dispute and call this out and they said the charges were similar to those made on the account and would not be refunded. Which was a shock to me as it was my first purchase, so how would a pattern of charges even be established. A ton of charges started coming in on my account totaling around {$600.00}. I did NOT make these charges. When I contacted XXXX in regards to this, I was rebuffed. After contacting them several times with no resolution, I disputed the account and its balance in its entirety to the bureau. It was not removed, nor accurately reported, and has since dragged my credit score down over XXXX points. Ive attempted contacting by phone again and can not seem to get someone on the phone who can even communicate with me effectively. I am seeking legal recourse if not resolved now.
Product: Bank account or service

I would like to file a complaint about the very misleading selling and marketing techniques of Wells Fargo and specifically the employee named XXXX XXXX XXXX ID XXXX My wife myself my daughter XXXX and my son XXXX have XXXX accounts at Wells Fargo When I opened the accounts years ago I was told that all the accounts would be considered together and if the combined accounts were above a certain amount ( I think to remember dollar XXXX ) there would be no fees charged to any of the accounts I stressed the fact that I did NOT want to pay any fees as a condition to open an account in the first place On XXXX XXXX 2016 I discovered that my son checking account had been charged dollar XXXX in Overdraft Transfer Fee, just for the system to automatically transfer money from his savings account to his checking account. I went to the Wells Fargo branch and spoke to XXXX XXXX, who after some negotiations agreed to remove the fee. She also recommended to close the savings account due to the small balance of the savings account. I made clear that I did not want to be charged any fee in the future and to avoid any risk I made an additional deposit of dollar XXXX on behalf of my son. Few days later I noticed that the savings account was also charged a dollar XXXX Monthly Service Fee on XX/XX/XXXX, which XXXX XXXX never disclosed, even if I made clear few times that I did not want to incur any fees. I went back to the bank and XXXX XXXX told me that since the account had been closed, the fee could not be reversed. I find very dishonest the fact that XXXX XXXX did not disclose to me first that the savings account was charged with an additional fee and then even worse, recommended the closure of the account and then used that as an excuse for not refunding the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom It may concern XXXX and Consumer Portfolio services My account is reflecting 100 % paid in full but you also state that there is a written off balance if an account was brought to a XXXX balance and reflected at 100 % paid off how can a debt be sold to another come I have never signed with no proof of the debt was provided as well the information that is being proved to the bureaus is inaccurate and incomplete which makes this account in violation of the FCRA laws and my rights as a consumer to have accurate and complete information reported to the credit bureau not only have you violated my privacy Right you have violated my FCRA RIGHTS AND I AM DEMANDING THIS ACCOUNT BE DELTED FROM MY CONSUMER REPORT YOU ARE IN Violation of the laws by not reporting an accurate and complete credit report bc by the balance stating paid in full with a XXXX balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to login to the Equifax website so that I can dispute several inaccurate pieces of information on my report. I called Equifax multiple times ( see below ) and was told that an investigation would happen but nothing ever happened and the incorrect information remains on my credit report and I am not able to access the online Equifax portal. I called Equifax ( XXXX ) on XX/XX/2020 around XXXX XXXX and spoke with " XXXX '', call lasted about XXXX minutes. I called again shortly after around XXXX XXXX after the previous attempt to fix the problem did not work and was given an escalations case # of XXXX. This call lasted about XXXX minutes. I am still unable to login to my Credit report Account with the error message " Please call customer service ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed multiple disputes with Experian regarding XXXX XXXX Bank credit card accounts which have been legally extinguished by operation of Mississippi law, MS code annotated at 15-1-3. I have also noted in the multiple disputes that the actual dates of first delinquency as defined by the FCRA and affirmed in FTC advice, and control reporting are beyond the seven year allowed time period for negative reporting contained in the FCRA. XXXX accounts well over eight years past the date of first delinquency and the other XXXX are well beyond seven years, also well past the seven year allowed time for negative reporting in the FCRA. 

Experian recently in its response to an earlier CFPB complaint simply sent a template response without addressing the conditions of the complaint, nor the evidence submitted in my disputes to Experian and in the prior CFPB complaint which was a notice from XXXX Bank, the FOI of the XXXX extinguished and obsolete accounts which clearly demonstrated the actual dates of first delinquency which are beyond the seven year time period in the FCRA and as such make the accounts obsolete. 

Experian is obfuscating their obligations under the FCRA and continue to simply parrot the response of account verification by XXXX in direct contribution of the XXXX Bank notice, and not only have failed to perform a reasonable investigation, but have not even addressed the evidence in its prior response to my CFPB complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I went to apply for a loan to help my mom out during this pandemic and I was denied. I have bank with this bank since I was XXXX and have the score the get the loan. Even my banker was confused because I have an auto loan with them and a home loan. I went and took a look at my credit and see so many accounts on there that are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these accounts and inquiries from my credit that are not mine XXXX XXXX XXXX. XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX. The inquiries that are not mine are XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX   US SM BUS ADMIN XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several dispute letters to discover bank regarding inaccurate information on my consumer report discover bank refuse to remove this item off my consumer report. I feel like Im being taking advantage of and they are disregarding my disputes. I know my rights as a consumer and discover bank is not following the law.
Product: Credit reporting or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 2. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 5. This is Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15USC 1692 ( g ) account legally paid in full but still showing that I have latepyment on this specific account FDCPA Section 807 Violation Mislead XXXX XXXX Account Number : XXXX Failure to comply with data privacy law is your violation of my rights delete these accounts immediately 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX  XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX have XXXXiolated 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 an account without my written instructions.
Product: Credit card or prepaid card

Bank of America advertised a bonus on a new credit card, co-branded with XXXX XXXX that promised a {$200.00} cash bonus after charging {$2000.00} in first three months. I met the spending threshold around XXXX XXXX. I have communicated with B of A repeatedly and been told repeated different stories but almost all of them promised I would get the money. It hasn't shown up, and lately I can't even get a response from B of A to either phone calls or emails. Help, please. The card number is XXXX XXXX XXXX XXXX. I will attach the screen shots offering the promotion from dates both before and after I opened my account.
Product: Credit card

I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing
Product: Credit reporting, credit repair services, or other personal consumer reports

The loan was taken over twice. They emptied an escrow account that should never have existed and refused to apply it to the balance of the loan. I made a re payment arrangement to pay additional money and it is now showing as a monthly payment. They REFUSE to do a forensic and give me the amount that I have paid over the course of the loan because they know it will implicate them. Im a XXXX who struggled to make sure my children had a home. Im a XXXX XXXX XXXX XXXX and would like to be able to demonstrate to my XXXX  that we live in a country that gives you recourse if you have been wronged by a predatory lender. Please help.
Product: Debt collection

This debt collection company contacts me, calls, and sends collection letters for a credit card debt that is not mine. I asked for evidence about the account and as of today, I have not received the evidence or the validity of the account. 
accounts are credit card XXXX XXXX XXXX XXXX