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

Synovus Bank who gives secured cards for first progress is misrepresenting a credit card and the information is misleading. my account had a balance and without going over my card limit it would not let me make additional purchases. after looking into the law about the secured card and how it is unlawful to make a down payment on a finance charge. I am furious because this has ruined my reputation and now I am without because of their misleading tactics and not being able to talk to someone about this.
Product: Checking or savings account

I have 2 accounts with Bank of America. One of the account use to be a saving account. After being charge the fee because they changed the policy and said you need to have XXXX or more on your account to not have fee charged to take money out I was told to switch it to a checking account and I wish I didnt do that. On the first account it has been open for 10 or more years the second maybe a year. I have been charged fee on fee things going into my account that I called and said was not authorized and it wasnt me. I was charge to pay my rent. I also have looked in my account and seen that the bigger amount are saved and the smaller amounts that have already been taken out have fees charged to it. I had a credit card with Bank of America and was charged for something they decided to refund back to my account. Something needs to be done because I am tired of it
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. CBNA ( Citibank , North America ) has been furnishing an account to XXXX, opened by identity theft using my personal information after receiving a request to stop reporting this fraudulent identity theft account to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and section 623 ( a ) ( 6 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ).

I did not open or authorize this account so it is therefore inaccurate. I previously notified CBNA that I am a victim of identity theft, and requested that CBNA do the following : 1. Close the unauthorized account, 2. Remove any charges on the unauthorized account, and 3. Take steps to remove information about this account from my credit files.

The identity theft account is as follows : Account number : XXXX ; Status : Charged Off ; Balance : {$1800.00} ; Date Opened : XX/XX/year> ; I have asked CBNA to please remove any charges on the unauthorized account, take steps to remove information about this account from my credit files, stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible, and to please send me a letter explaining your findings and actions. But I have not received a written response from them in over XXXX  days, which is a violation of section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
Product: Credit reporting or other personal consumer reports

Have contacted the credit bureau and creditors by phone To correct the spelling of my name and to remove addresses that dont belong to me. And misuse of reporting on my credit report
Product: Credit reporting or other personal consumer reports

victim of credit card fraud XXXX XXXX Was reported to XXXX Funds was given back late fee and late payment was reported to credit which is inaccurate.
Product: Debt collection

PORTFOLIO IS TRYING TO COLLECT WRONG AMOUNT!! because i dont owe them ANYTHING, furthermore this is a LEGAL NOTICE OF FEDERAL LAW VIOLATION AS SHOWN MEMORANDUM IN SUPPORT UNLAWFUL USE OF SOCIAL SECURITY NUMBER!!! FELONY VIOLATION!!! CEASE AND DESIST AT ONCE!!! <P/>Sec. 408. Penalties. <P/>In Title 42, in support of Civil Complaints for the misuse of a persons SSN, we have : Sec. 408. Penalties. ( a ) In general. Whoever - ( 1 ) ... : ( 8 ) discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both. 42 USC 408
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX a was given an option to settle the account off by XX/XX/2018 in the amount of XXXX by agency who collects the money for XXXX  XXXX ( XXXX XXXX ) so I paid the settlement before the set date on XX/XX/2018 in the amount specified. I have Proof of the option to settle by them I have proof that I pay them, and I have an email from XXXX XXXX that I have a XXXX balance. Now their still reporting to the credit bureau that I have an open balance of XXXX when it should say that the balance was settled in full and have a XXXX balance. I have all document that proof everything I stated.
Product: Debt collection

The following company EOS CCA, with provided address XXXX XXXX XXXX, XXXX, MA XXXX and listed phone number ( XXXX ) XXXX has lodged an adverse entry with multiple Credit Report Agencies in the month of XX/XX/2018 regarding disputed bill for {$300.00} by XXXX XXXX company. I have never received a debt notification or the right to validate notice by EOS CCA company. 
The company has violated my rights by not informing me of the debt or my rights before adverse files with the credit reporting agencies.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

The XXXX XXXX i ask to remove late payment 30 days in accordance with the law, my rights have been violated. Late payment reports to your consumer reports is illegal. In 15 U.S. code1681a : Definition and rules of construction ( 2 ) Exclusion. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as a transaction or experiences between the consumer and the peron making the report ; transaction are not included in the report and request is to remove late payment from the account
Product: Money transfer, virtual currency, or money service

I was a victim of fraud/scam using XXXX through my Wells Fargo mobile app. I tried calling Wells Fargo and explaining my situation. I have been a long time customer, yet they were unwilling to help me in any way to recover my loss money. I think {$250.00} is a small amount in comparison to the billions they manage, that could be returned as a courtesy to a loyal customer. I am the victim here.
Product: Credit reporting or other personal consumer reports

I have been contacting this credit bureau since XX/XX/2024 in regard to an inaccurate account on my credit profile. This company has failed to provide me with the verification of how the alleged account is accurate. 
According to the FCRA, credit reporting agencies are required to ensure the maximum accuracy and integrity of the information they report. In this case, the inclusion of this fraudulent account on my credit report is a clear violation of 15 USC 1681E ( B ) I am requesting that Experian Credit Reporting Agency remove XXXX XXXX XXXX from my credit report. As other bureaus have investigated this account and found that I have no association or accounts with this company and has been removed from my credit profile. I will provide the screenshot of where XXXX XXXX XXXX XXXX XXXX has remove his alleged account from my report. I kindly request that Experian bureau does the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX US DEP ED XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX US DEP ED XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX   XXXX
Product: Mortgage

my income was lost due to Covid-19 ... .. the mortgage company put me in the forbearance. program ... I year later i was told my loan does not qualify for any type of forbearance. 
My property is in XXXX XXXX NV - city that was hit the hardest- I have filled many mortgage assiistance application only to to be denied. Im Working now requesting assistance and still having problems with my mortgage co. I have owned my home for 25 years.. what happen to HELP.. NO ASK FOR A PANDEMIC ... folks are losing their homes and its not fair ... 
My complaint is with Carrington Mortgage!!
Product: Debt collection

I missed a payment and have been trying to contact them multiple times about resolving the debt and they continue to transfer me multiple times and in the end always send me to a full voice mail so I can never speak to anyone to resolve the debt. I tried telling the representative what was happening and she didn't even let me finish, she just transferred me anyway to a full voice mail. I continued to call back and kept being hung up on every time after that. How am I supposed to resolve my debt if they won't even talk to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 approximately XXXXXX/XX/XXXX EST. I transferred money from my 5/3 express checking account to my 5/3 mortgage account. A week or two later my XXXX payment was reported to my credit as 30 days past due. I called 5/3rd bank who verified my payment was transferred on XX/XX/XXXX from my 5/3rd express checking to my 5/3rd mortgage via the 5/3rd online banking. However they stated since it was after XXXXXX/XX/XXXX EST it would not be reported as being transferred on the XXXX because the banks were closed it would be reported the next business day which was XX/XX/XXXX. 5/3rd will not reverse the 30 day late with the credit reporting agency even though they confirmed the electronic payment from my 5/3rd express to my 5/3rd mortgage was made and received on XX/XX/XXXX. The fact that 5/3rd clearly received funds prior to the 30 days and has record of it, but is unwilling to do the right thing and reverse the 30 day late is preventing us from getting refinanced. In addition to this, it shows on 5/3rd rules and regulations that internet banking cutoff time is XXXX : XX/XX/XXXX I made the payment via electronic transfer from my 5/3rd account to my 5/3 mortgage prior to 30 days. All I'm asking is for 5/3rd to do the right thing by supporting their customer and reverse the 30 days late for XX/XX/2021, so we can get refinancing. What happened to making my day a 5/3rd better? 
Please help me by doing the right thing. its clear the payment was made prior to 30 days. 
Sincerely XXXX
Product: Checking or savings account

I have a 9 month Certificate of Deposit account with Marcus by Goldman Sachs in the amount of {$260000.00} which matured on XX/XX/scrub> 2025. 

To this date XX/XX/year>2025 Marcus Bank has not transferred my monies to the Banking Institution namely XXXX XXXX  as instructed. I called Marcus prior to the maturity date on XX/XX/scrub> 2025 with the above instructions to close the CD and transfer the entire amount to XXXX XXXX. I spoke to an agent who confirmed the instructions. I have been calling since thursday, XX/XX/XXXX to inquire as to why the transfer was not made and was told that they had tried to contact me via phone and I was not available so the CD was renewed for another 9 months so a penalty waiver had to be processed. A second confirmation via phone was never a required condition for a transfer but the reply was they were not clear on the bank to which it was to be transferred. Please note Marcus already has my banking information linked to my account and in addition the instructions were confirmed via phone on XX/XX/XXXX. 

After speaking to a supervisor friday, XXXX XXXX, I was told another phone call would be attempted whereby instructions had to be reconfirmed. It is XXXX XXXX and I have yet to receive said phone call for verification before my monies are available, I feel I have been given the runaround being a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I feel I have no recourse but to file this COMPLAINT against MARCUS BANK.

Your assistance would be greatly appreciated while I am waiting for this delayed monies.
Product: Credit reporting

I have been contacting Trans Union for several months now about the XXXX that is showing on account for XXXX on my credit report. The account remarks are stating Chapter XXXX but I never filed bankruptcy. I contacted Trans Union and they sent me a letter that the remarks were not showing but they were. I even contacted the XXXX and asked them did they send this information to the bureaus and they sent a response letter stating no and often times the credit bureaus report inaccurate information and I should reach out to the governing authorities about the situation. I have the letters attached.
Product: Mortgage

I need help!! Contact me! I am currently in Forbearance. I have over XXXX in equity and I cant get XXXX to take care of my family and get out of the mess. You see on our case and many others these stupid lending rules are hindering our ability to help ourselves. You see because of the XXXX Virginia XXXX XXXX in violation of Federal LAW!!! Suddenly and with no notice whats so ever stop paying for no reason. They have screwed over XXXX of us in Virginia. My credit score has gone down over 100 points and I want to save my family because I used money to help save lives. 

So in my case its like the government instead of helping they know I have so much equity they cant even back a XXXX loan so I CAN HELP MYSELF!!!! 

Here is my offer and they force me to play the Credit Score Game I need XXXX grand only 18 months I will pay 25 % interest. 

By doing this on a private lending this will not show up on a credit report and will play the credit score game and my score will be over XXXX!!!!! I will pay XXXX dollars a month during these 18 months and at the 16 month apply for a XXXX heloc and then this will be approved because I will still have over XXXX in equity. 

See my credentials - I see this because this is the only way to take care of my family and continue to save lives. XXXX the XXXX dollars for 18 months does not go into paying down the principle it is a good faith payment. Any XXXX XXXX takers???? 


Just like the politicians who refuse to let the police do their jobs. They allow over XXXX deaths a year they refuse to let me do my job. 


The Greatest Threat To Public Safety Is The Belief Is That Somebody Else Will Do It! 
XXXX XXXX XXXX Why does our own government wants to prevent this from being fixed? 


https : /XXXX
Product: Checking or savings account

On XX/XX/XXXX, I noticed a new account was added to my already existing account and money had been transferred into this new account and then again transfer out into another account. The fraud department to the bank institute was called, informed of my findings, and a claim was file. I was asked if I had a joint account, and my answer was no. My findings are as follow : An account was added to my existing account on or about XX/XX/year> without my authorization. 
o My actual savings account ends in XXXX and the fraudulent account ends in XXXX. 
A total of 3 transactions were done totaling {$42000.00} : o {$27.00}, XXXX, {$9900.00}, {$5100.00} were transferred from my actual account into the fraudulent account. 
From my checking account ending in XXXX a total of {$1100.00} was also transfer debit. 
Once the money was transfer to the fraudulent account, money was then moved to another unknown account via ATM : {$17000.00}, {$9900.00} and {$6200.00}. Another {$9800.00} done online. 
I was told an investigation will be conducted and the account will be restricted. I was then instructed to go the bank in person and open another account. It was then when I found out about an individual had added themselves as a joint account without my authorization and this individual resides in California.

Two weeks later received two separate letters stating the transactions were authorized and no further action was necessary. Call the fraud department to request for an explanation and to appeal the decision. Was not able to get anywhere, was told that there was nothing they can do and to go a bank branch. An ID theft report was done and a police report as well. In one of the visits to the branch, I found out that the account was open in person by 2 individuals, one in which was impersonating me as I don't reside in California. Once again called the fraud department on XX/XX/year>. During this call was transfer to 6 different people, all the while having to repeat the whole situation every time.

In total made, four visits to a branch in Florida where I reside and four different phone calls. Just kept being bounced around with no end results. Finally, after speaking with 6 different people on the last call, a new claim was done regarding all transactions. Waiting on that decision.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX XXXX I tried transferring {$380.00} from my Venmo account to my credit union account. Venmo sent the funds to the WRONG account to someone at my credit union. My credit union has confirmed with me that the funds went into someone else 's account, BUT because it was not my credit unions fault, they can not just take the money out and give it to me! Venmo needs to do this and they WON'T!! I've contacted them via email 6 or 7 times, I have called them at least 3 times, and they have done nothing! All they say is that the money was deposited in an account ending in XXXX. MY account ends in XXXX...... NOT XXXX!!! I had Venmo supposedly dispute the transaction, but nothing got done and now Venmo won't even answer my emails! They continue to drag their feet on this even after MY credit union confirmed the money went into the wrong account!! I just want my money returned to me, but Venmo keeps ignoring me! I have a trace number which I gave to my credit union and my credit union then confirmed that the money went into someone else 's account!
Product: Debt collection

This  2nd d ispute is explained in detailed with all of my attachments.     This the companies first and only response. They did not address me personally through phone, email or mail contact. I tried many attempts to pay the {$62.00} debt but upon contact the number listed I never received feed back.     First Progress Card  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX , PA  XXXX   XXXX   XXXX   XXXX ,  2016  Consumer Financial Protection Bureau u Re  :  XXXX   XXXX   ( c ase number  XXXX  )    XXXX   XXXX     ( First Progress ) is writing in response to your letter   addressed to Synovus Bank k ( Synovus ) , regarding the above referenced complaint.  Synovus i ssues secured credit cards backed by a cash security deposit ( Card  ( s ) ). First Progress is the program manager and provides customer service for the Cards. First Progress worked with Synovus Bank to prepare this response as part of Synovus standard oversight of First Progress. Synovus  has been provided with a copy of this response.  XXXX   XXXX  requests that the negative credit history reported on her accounts be removed from the credit reporting agencies files.       According to our records, this account was opened  XXXX   XXXX ,  2016 purs uant to  XXXX   XXXX  online application. The last payment, {$65.00}, was received on  XXXX   XXXX ,    2016 a nd posted to the account the same day.  XXXX   XXXX  called our Customer Service department on  XXXX   XXXX ,    2016, at  which time she explained that she had lost her previous job, but recently began working again and intended to bring the account current. She did not request that her account be closed. The account therefore remained open until  XXXX   XXXX ,    2016, b y which time additional late payment fees and interest had accumulated in the absence of any payment. The security deposit of {$500.00} was credited to the account on  XXXX   XXXX ,  2016.        As  XXXX   XXXX  did not use the card after the  XXXX   XXXX  call, and in light of her difficulties as described in the complaint, we have waived all of the late fees and finance charges assessed since  XXXX   XXXX , a total of {$120.00}. A balance does remain past due on the account, however as a result of a gas purchase  ( gas purchases may  exceed the available credit limit because the amount of the purchase can not be determined prior to approval and is posted later by the merchant ) and for fees and charges which accrued prior to  XXXX   XXXX .       As of today, we have reviewed  XXXX   XXXX  accounts, and the information reported does not reflect a bank error. We are therefore unable to fulfill her request for an amendment to her credit files.       Please contact me at the address above if there are any further issues with regard to this complaint.       Sincerely,  XXXX   XXXX   Vice President
Product: Credit reporting or other personal consumer reports

My data was leaked in a data breach. I have false information on my Experian account that Im unaware of.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.