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

On XX/XX/XXXX I logged into my Wells Fargo Credit Card account and discovered fraudulent charges being made against my card that presented as XXXX subscriptions. Upon further investigation I found these charges to be going back to XXXX of XXXX, which at the time is as far back as I can see. I also checked current rates with XXXX memberships and the amounts do not lineup so I doubt these are in fact XXXX subscriptions. 

I contacted Wells Fargo to report the fraud and request older statements to ascertain how far back the fraud charges went and if there were any other. In my conversation with their representatives when I asked why I was never mailed a new card when the one I was in possession of had expired in XXXX of XXXX I was told there was a bad address notice on my account. When I asked how an expired card could have been used for the charges I was told they would have just kept trying combinations of dates until one worked, suggesting at no point would their security have blocked the attempts or notified me.

Two weeks later I had still not received the statements nor the new card so I called back. This time I was told the card had been mailed out in XXXX and in fact returned by the post office, triggering the bad address note, and they had simply extended the expiration date of the existing card but never attempted to contact me. 

At this point I am still waiting for the now third replacement card to be expedited as well as statements of activity from XXXX to current so I can determine the scope of the fraud. I have made it clear to the agents at Wells Fargo that I suspect somebody within their organization stole my original new card in XXXX of XXXX and began using it illegally, and that the alternative is that they have absolutely zero security measure in place to prevent fraud and would allow the most basic of attacks. 

I find it insulting that at no point did they attempt to contact me when after my mother died and the account was 30 days past due they called me immediately. It seems blatant that their only concern is receiving their money and not their customers at all. 

Unfortunately at this time I do not have the exact amounts or dates as I currently do not have access to my account online nor any of the paper work I have requested. I am submitting this complaint now and will update with all relevant dates and amounts of charges as soon as I have them in my possession.
Product: Credit card or prepaid card

I have a business checking account with TD Bank. 

I received a new credit card as my old one was hacked. 

I called the bank to let them know that I would like my credit card linked to my online checking account so that I can view all my TD bank accounts on one website and make payments check balances etc. 

When I called the 888 number i was directed to 4 different departments and then the best part the last one told me to go back to the same department I had originally called This incompetence has got to stop as If they don't know their own systems especially when all the banks in the USA offer common online banking information there is something wrong with TD processes. This could result in the consumer being misled in future other transactions or accounts.
Product: Checking or savings account

I was supposed to received a paycheck direct deposit Thursday XX/XX/year>. And still haven't received my fund 2 days later. Capital one Bank is not providing and updates to their consumers. They are Illegally with holding our funds and there should be an IMMEDIATE INVESTIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 I had paid on my account to make it current leaving me with a remaining balance of {$2800.00}. On XX/XX/2022 after I added my autopay information Synchrony proceeded to charge me for the total remaining amount, even after I had already paid for the month. Because of this my personal funds went to - {$2000.00} which I had them refund. On XX/XX/2022 after Synchrony reported my account to be current they also reported that my credit usage increased by 83.09 % which is false. They're claiming that because I had my money refunded that my credit usage increased, however my credit usage is the same as it was when I opened my account in XXXX. I have not purchased anything nor have I used any of my remaining credit since opening my account. They have refused to look into the false reporting and are claiming that my account is current, which is true in terms of amounts paid and owed, but they are not reporting my credit usage accurately.
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 XXXX XXXX XXXX XXXX XXXXXXXX, NJ XXXX Account name : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX has violated my rights. 

15 USC 1681 section 602 A. State I have a right to privacy 15 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. 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.

15 U.S.C. 15 U.S.C. 1681c ( a ) ( 5 ) states that consumer reporting agencies are not allowed to include certain information in consumer reports, including : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent debt validation letters to the following companies XXXX XXXX XXXX XXXX ( XX/XX/2021 ), XXXX XXXX XXXX, XXXX ( XX/XX/2021 ), Commonwealth Financial System ( XX/XX/2021 ), and XXXX XXXX XXXX ( XX/XX/2021 ). 

XXXX  : Has not provided proper validation of the debt owing to me XXXX : has not responded Commonwealth : has not responded XXXX : sent a letter showing a {$0.00} balance with them All the above have been given 30 days to send me validations of these debts with my signature via certified mail. They have reported these debts to the credit bureaus without the validation of the debts.
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 : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX TX : Account XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have XXXX XXXX to be on my credit report XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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: Credit reporting, credit repair services, or other personal consumer reports

I finally paid off my last debt months back n none of the three credit bureaus will accept my paid in full receipt! I have been fighting their games for years n I am finally in a position to change my life, n the credit bureaus r holding me back by not allowing me the chance to become debt free! Made r tried to make complaints in the past, which r really useless when you receive the typical canned response to check a box n make me go away!
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give syncb/gap written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/GAP DATE OF INQUIRY : XX/XX/ 2021 2021
Product: Credit reporting or other personal consumer reports

This is my first request 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

My house was hit with XXXX trees during a XXXX. I filed an insurance claim and the funds have been sent to my mortgage company New American Funding. My home was closed in from the and the invoice was sent XX/XX/XXXX. Since then I have only been able to get a small portion of my funds to pay the XXXX. I was required to get an inspection through New American Funding to release the rest of the funds to pay yet they still did not pay in full. They are not following the policy that was given to me in writing and the contract with XXXX XXXX in XXXX XXXX ( XXXX ) states they are to be paid in full at completion of each service once invoiced and they have not been paid and will not move forward. It is now XX/XX/XXXX and my XXXX still has not been paid. XX/XX/XXXX, I sent is an authorized Third party letter to speak with XXXX XXXX in regards to missing payment and they released my personal information about my account to my XXXX without my permission. I was told by my loan processor XXXX on XX/XX/XXXX that she never looked at all the documents in my claim and was requesting the wrong information because she did not look at the invoice from my XXXX. I am going on XXXX months out of my home and New American Funding still is not releasing funds for me to make repairs. I called again today XX/XX/XXXX and they are refusing to pay the XXXX and releasing personal account information to my XXXX which I did not authorize. I waited XXXX minutes on hold for a XXXX to never come to the phone.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( XXXX Acct # XXXX ) has violated my federally protected rights. 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 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

I discovered that some of the item on my credit report were unknown when I reviewed it. I sent a letter on XX/XX/2022 to bureaus to remove account XXXX XXXX XXXX XXXX XXXX that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to block any account or information not later than 4 business days after the XXXX XXXX Letter .Ive already included this in my previous Complaint # XXXX XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting a new late in XXXX that I do not owe. My card and wallet got stolen while I was out of town so I had to cancel the card that the auto draft for my account was on which made the payment decline. I forgot about the auto draft and didn't know I was late until later because I thought the auto draft was still set up.
Product: Mortgage

This has been going on since XX/XX/XXXX, when we received a statement that our escrow account would be short almost {$2500.00}. After doing some research we found that our hazard insurance premium jumped from {$700.00} a year to {$2500.00} a year. So we contacted the mortgage company to let them know that we would be cancelling the original insurance company with XXXX and selecting a new one ( all done on the same day actually ). They said fine the insurance company would send a credit to escrow account for the prorated portion back. They sent us the check directly we called loan company and they said to make two separate payments. One for our Monthly Mortgage and one for the escrow account ( {$1800.00} ). We sent that to them on XXXX/XXXX/XXXX for the {$1800.00} to go into escrow to cover the new insurance policy plus a {$400.00} " fluff '' they told us to include to keep our escrow from falling short. Since they received the escrow money back from us they have misapplied it so many times they now can not account for where of it is currently ( as of XXXX/XXXX/XXXX ). They paid our property taxes a month late this year and paid our hazard insurance a month late this year that is all they paid out of the {$1800.00}. They also miss applied our mortgage payment that month which reported to the credit bureau as late. We were told that it 's not their fault the escrow account is short and that they correct all the miss applied money, when we questioned the remaining balance that should be there she said she could n't account for it. She then told him that they did n't account for the new hazard insurance so they {$900.00} shortage is their fault but we have to pay yet again. HOWEVER on XXXX/XXXX/XXXX they sent us the statement for the escrow WITH the new insurance amount on it. She tried to tell us that we can split the now {$900.00} escrow shortfall over 36-48 months, we denied. Now our payment went up. Our statements make no sense. We have put {$4500.00} into escrow and can not account for where the money has gone. My PMI payment keeps changing and they keep applying additional principal payments on top of our regular payment. So many reverseals ad disbursements it 's so XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : XXXX DT CREDIT XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX Improper use of credit report ( shared without consent, credit inquiries appearing on my XXXX  credit reports by your company that I did not authorize ) DT CREDIT Inquired on XX/XX/XXXX DT CREDIT Inquired on XX/XX/XXXX
Product: Debt collection

This said debt has been disputed once, and was removed. Now it is showing back up under a new collection agency. The accuracy, dates, and amount could not be validated. The collection agency did not try to contact me in any form of communication. They just reported to credit bureaus.
Product: Checking or savings account

On XX/XX/XXXX I made a deposit of {$2700.00} to my American Express High Yield Savings account. It was showing in my account on XX/XX/XXXX due to it being a mobile check deposit. Ever since that date I have tried countless times to link my external bank account. I have tried every way imagined. I've called Both Amex and XXXX XXXX to see about these issues which all come down to Amex. I have talk to three supervisors and still no resolution since they tell me it has to be through account maintenance team. No one should have to beg to have access to their own money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) ] XXXX XXXX- XX/XX/XXXX XXXX XXXX yrs, XXXX mos ) [ XXXX XXXX XXXX XXXX ] In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Prepaid card

My Money Network debit card from XXXX was supposed to arrive 2 weeks ago, but I never received it. I called Money Network to which they said that the card already has five unauthorized transactions. 

Transaction date Posted Date Merchant Address Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

When Synergistic Communications first reported this collections account in XX/XX/XXXX, I contacted the original creditor for the statement. The first delinquency date was XXXX, and they had sold the debt many times. Also, when looking at the XXXX, it appeared that the debt was not in my name. Synergistic Communications did not have the correct birthday or social security number. 


When Synergistic Communications first reported these collections to the account in XX/XX/XXXX, I contacted the original creditor, XXXX XXXX, for the billing statement. That statement is attached for your viewing and shows the first date of delinquency. 
I immediately disputed the collection of a dental debt with all three credit bureaus based on the age of the debt and the incorrect personal identifiers. They recognized that this information was inaccurate and too old to report and removed the collections account from my reports at all three credit bureaus. 


Upon discovering that the debt had reappeared under a different account number across all three credit bureaus in XX/XX/XXXX, I promptly contacted Synergistic Communications in the final week of XX/XX/XXXX. During my communication with two representatives, I requested a debt verification letter, which they declined to provide. Furthermore, they displayed unprofessional behavior by raising their voices and abruptly ending the call. Despite my efforts, I could not obtain the necessary debt validation letter. Additionally, when I urged them to review the original bill about the XXXX  account, they adamantly refused, falsely asserting that the debt originated in XXXX despite its actual occurrence in XXXX. All three credit agencies acknowledged that the debt did not have my current personal information and was time barred from being reported pere FCRA laws. 

No matter how often a debt is sold ( and resold ), the date that matters for the seven-year credit report clock is the date of delinquency with the original creditor. 

Suppose a collection agency bought your 10-year-old retail card debt and has started putting it on your credit report with a different date, for example. In that case, you may be able to remove that collection item from your credit report. The FCRA laws state that the first date of delinquency is the original date, and after seven years, that debt has to drop off or can no longer be reported. Reporting aged-out debt is against the law. 

Synthetic communications continue to use deceptive practices that are deemed illegal under the FCRA laws to report inaccurate collection reports on people 's credit reports, including mine, as they have had 312 complaints so far, XXXX XXXX also is emplyign decepetive practices by claiming the due date is XXXX of XXXX when the last time they billed me supposedly Furthermore, the address is wrong there, as I have never lived at the address, and although the bill said XXXX as a no-show, I was not living in the country at the time. So, I did not understand where they are making up those no-show application data from If you look at the bill it is obvious it is fraudulent and made up dollar amounts that change and made up billing charges.
Product: Debt collection

I don't recall having a contractual relationship with this collection company Synerprise Consulting Services. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Debt collection

I had previously disputed an item from Caine and Weiner because they had not provided notice of my rights to dispute. Since then they have sent me a final bill from the original creditor. I have responded to them that the amount of the final bill appears to be inaccurate and have requested all payment activity, all billing activity, terms and conditions for the policy, as well as the date and reason of cancellation. They have not yet responded to this dispute which originated in XX/XX/2020. They continue to report this in the full amount on my credit report. 

This is a violation of the FDCPA subsection 807 ( 2 ) ( A ), the false representation of the character, amount, or legal status of any debt. 

As I have indicated that the amount is in dispute and they have not provided proof of the amount showing all payment and billing activity as well as the terms and conditions which stipulate when a policy is cancelled due to non payment as well as the reason for cancellation, any reporting of this to a credit agency is a direct violation. 

At this point, if the resolution is not removing the debt and ceasing all current and future collection attempts and waiving all debt owed on this account, I will seek the maximum {$1000.00} that I am allowed to seek in damages under the FDCPA.