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

I made an online payment of $XXXX on XX/XX/XXXX and payment was withdrawn from my account on XX/XX/XXXX. As of today, XX/XX/XXXX, that payment amount has not been added back to my available credit. They acknowledge that the payment posted to my account on XX/XX/XXXX, but is on hold. When I spoke to the credit card bank, I was told because it was a large payment there is a hold on the amount being credited back of 7 - 10 business days. That is what I believe a deceptive practice. The bank is Synchrony Bank.
Product: Debt collection

Discover Bank, in ongoing criminal identity theft misconduct and seeming like they were phishing operation, kept on calling a phone number belonging to me attempting to collect some debt from someone who I dont know. Discover will probably not respond to federal regulators to explain their interstate criminal misconduct because historically they thumb their noses at the government ( while the Biden government rolls over since the administration is all talk and no action for their donors ) and Discover believes they are simply higher than all the laws. Discover repeatedly and criminally harassingly called my telephone number. When I called the phone number back, they said they had no record of a phone call and suspected the call was a phishing call - as did I initially. All the calls had gone to voicemail- except for the last one. Someone called from the phone number - XXXX. He said he was calling for a personal financial matter- really shady. I asked who was he? He wouldnt say. He then said I was being recorded. I said he had better hope Im in a one party recording state and not a two party recording state because otherwise he would be committing a felony- and he cant hide behind Discover. I found out this was most likely not a phishing operation after last speaking to an agent named XXXX- who seemed nice when I called XXXX. However, I had spoken to a supervisor at XXXX ( the number given in the voicemail ) who thought this was a phishing operation because their systems were not linked. The employees were nice - but Discover the company is a clown show that never should be allowed to merge with XXXX XXXX without risking the financial system. Discover has a repeated history of mishandling customer information and information provided to customers- which they repeatedly refuse to ever respond to federal regulators about their misconduct. To be sure, all my accounts with Discover are currently and always have been in good standing. This was an unacceptable cross of information that seemed like a phishing attempt due to repeated harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account shows XXXX, and 90 days late on a credit card payment. This is not accurate.
Product: Credit card or prepaid card

On XX/XX/22 I applied online for a U.S. Bank Cash+ Visa Signature Card and some time later I received correspondence dated XX/XX/22 from U.S. Bank stating : " Thank you for your application for a U.S. Bank Signature Rewards Credit Card XXXX After Carefully reviewing your application and income information you provided, we are unable to approve your application at this time due to : Your debt to income ratio exceeds established maximum guidelines '' Then, farther down my income and expenses info was provided and was followed by : " In order to assist us in determining your ability to pay and assign a credit line, please include all income earned by you of any type : '' This was followed by various types of proof of income I could furnish. After this, on the other side of the page was a generic statement about the FCRA including : " Our decision was based in whole or in part on the information obtained from the following consumer credit reporting agencies : '' Farther down was : " The key factors that adversely affected your credit score were : '' - and several reasons were provided as the basis of why I was denied. 

A couple of weeks later I received in the mail a pre-screened offer from U.S.Bank for a State Farm Premier Cash Rewards Visa Signature Card. Confused as to why I'd get this offer so soon after being denied I called U.S. Bank on XX/XX/22 and inquired. I was told that the letter I thought was a denial letter was rather a request for additional information and that because I had not provided it within 30 days of my application the window had been closed. The U.S. Bank rep offered the State Farm card which I turned down. 

After consulting Regulation B I gave U.S. Bank another call and explained the situation once more. I stated that in contravention to Reg B I was not provided a reasonable period of time within which to furnish additional information and that furthermore the wording of the letter appeared more geared towards an adverse action letter. The U.S. Bank rep stated I was sent a letter notifying me that I had XXXX days within which to furnish additional income information to which I replied I had not received such letter. 

The rep then restated that the window for the Signature Rewards Card had elapsed because XXXX days had passed since the date of the application. 

In sum, the XX/XX/22 denial letter was ambiguous and misleading because I read it as an adverse action letter and it was not intended to be XXXX. It contradicted the pre-screened offer relayed to me not more than XXXX weeks after. Upon inquiry I was told that I should have received a letter providing a deadline for proof of income that I did not in fact receive. I was told that the application window was closed without being given a reasonable period of time to provide additional information - information I shouldn't have needed to provide regardless because U.S. Bank had decided I was eligible for its credit card.
Product: Payday loan, title loan, or personal loan

The dealership charged me for my down payment on my XXXX XXXX I purchased in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account that is being published on my credit report that does not belong to me. I called TransUnion the credit reporting agency and informed them of the matter and they instructed me to call the creditor directly to have that account removed from my credit profile. I called the creditor " XXXX '' and also informed them on what was going on. Since the account is not my own and none of my information is in their system, they were not able to locate an account for me and they then instructed me to call back the credit reporting agency and request that they delete it off my credit report. As such I did just that but every time, I get a representative on the line they inform me that they can not do anything about this fraudulent account that is being reported on my credit report. I mailed a dispute letter regarding the matter and no response was ever given nor did they ever open an investigation of the fraudulent account that is being reported on my credit profile.
Product: Mortgage

In XXXX 2012 my homeowner 's association foreclosed on the property I owned that was serviced by Ocwen Loan Servicing. Before the foreclosure, I tried to obtain a modification for 2 years. Since the homeowner 's association purchased the property in 2012, Ocwen continues to report 180+ days past due on my credit report. This is killing my score and has affected employment offers and kept me from being able to restore my credit and purchase another home. I hired an Attorney to find out what I still owe Ocwen - since the association now owns the property. However, Ocwen has not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,    2017  I sent a letter disputing multiple inquiries to all credit reporting agencies and asking for removal. They responded sending me a letter explaining what an inquiry is! I then resent additional letter stating I had not gotten any proof via certified mail and fax also on  XXXX   XXXX . They again resent a letter stating what inquiries are and to contact the reporting agencies to dispute myself. They have failed to respond to  two  requests now to research and delete inaccurate inquiries on my credit report. These inquiries do not belong on my report and I have no written verification they belong to me. In addition, the response to the second letter was dated the day after they received the certified mail. How could you provide any written verification or any legitimate research in  one  day?     I Followed up with a phone call today  XXXX   XXXX  and they told me the inquiries were my responsibility to contact businesses to remove and they do not remove inquiries I also requested twice in writing to update and correct old addresses, employers and phone numbers and all they keep sending me is the exact same credit report repeatedly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am uncertain as to WHY these late payments are present on XXXX/XXXX  ..I must request under the terms of the Fair Credit Reporting Act, and Fair Credit Billing Act of 1975 that you provide me with an audited statement of my account for the last 2 years..If you can not supply, please remove this inaccurate information from my credit report
Product: Credit card

In XX/XX/XXXX I opened a Capital One Bank secured Master Card. I opened this account following their offer solicitation to me. They offered me XXXX with the option of my increasing that secured card deposit by up to XXXX which I did, thereby resulting in a secured credit line of XXXX. According to that offer and my understanding was that after maintaining on time payments and keeping my credit card account in good standing, that account will evolve into a unsecured account with the returning of my security deposit. After waiting more then one year and fulfilling the terms of agreement like on time payment history and keeping my account in good standing, I questioned that bank customer service as to why was I still a secured card, I was told that they do not have to transition my credit card into a unsecured card and that my prior unsecured card account holder experience with them had nothing to do with it. Please note that I was a previous Capital One unsecured credit card holder from XXXX thru XXXX, more then 10 years ago. It appears to me clearly that Capital One is evaluating my credit worthiness with them based on XXXX XXXX XXXX stale information which should have no bearing due to the that elapse of time.
Product: Debt collection

After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. Equifax, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXXXXXX : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.
Product: Checking or savings account

XXXX XXXX XXXX XXXX, XXXX BECAME A VICTIME OF IDENTITY THEFT WHILE XXXX, VEHICLE WAS PARKED AT THE AIRPORT, DID NOT MAKE SURE ALL MY VEHICLE DOORS WERE LOCKED, XXXX FROM XXXX OF XXXX TO XX/XX/XXXX. ACCOUNTS BECAME COMPROMISED. I HAVE BEEN DEALING WITH WELLS FARGO BANK SINCE XXXX TO OBTAIN MY FUNDS AND NO RESOLUTION, I HAVE ISSUES WITH THREE CHECKING ACCOUNTS AND ONE WELLS FARGO SAVINGS ACCOUNT, THE CREDIT CARDS THAT WERE USED THAT WAS RESOLVED.
Product: Credit card

I have a Bank of America Visa Credit Card. Bank of America has charged me a {$25.00} returned payment fee in error. The statement balance on XX/XX/2016 was {$160.00} ( see attachment # 1 ). For many years I have had the full balance automatically deducted from my XXXX checking account by Bank of America. On XX/XX/2016 Bank of America billed my XXXX account and XXXX transferred the payment to Bank of America ( see attachment # 2 ). It is the policy of Bank of America to transfer the amount due on the day after the statement due date, they tell me. According to Bank of America 's representatives by phone, they then billed my XXXX bank account again for {$160.00} on XX/XX/XXXX? XXXX correctly realised this was a duplicate billing and refused the request for electronic payment. This is obvious from the credit card account statement for the period ending XX/XX/XXXX ( see # 3 ). There were no additional purchases totalling {$160.00}. There was only one payment to Bank of America in the amount of {$160.00} by electronic transfer from XXXX. After the transfer the balance due was {$0.00} plus the " returned check fee '' of {$25.00} because XXXX refused to pay the erroneous double billing. Bank of America does not permit on line communication about my credit card. I spoke with two Bank of America representatives and both refused to correct the error. They kept saying my check bounced. I have not paid a credit card bill by check in more than 10 years. I wrote to the two addresses provided by Bank of America to resolve credit card problems ( see # 4 and # 5 ). Today I received their response by mail ( # 6 ). They still insist I must pay a returned payment fee even though the problem is that they billed twice in error. Of course, I no longer permit Bank of America to bill my checking account automatically since they can not be trusted to do this correctly. As I told Bank of America, this is an excellent money making gambit to help their bottom line. You bill customers in error twice what is owed and then charge them a fee for only paying the correct amount due even though you credit back the erroneous amount billed. This is fraud.
Product: Credit card

I, XXXX XXXX XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. BARCLAYS BANK DELAWARE XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX  XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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
Product: Checking or savings account

My mother and father are both and they had a joint checking account at Chase Bank. My mother passed away in XXXX of XXXX my father in the end of XXXX of XXXX, I notified XXXX XXXX The Personal Banker that had called my Father 's cell phone and emailed him telling him he could respond if he needed anything via email or phone on XX/XX/XXXX and returned a voice message left by XXXX on XX/XX/XXXX both times notifying of my father 's death. I advised XXXX that there is a Will ( email attached ) my father passed and that I was filing the will with probate that week and that there was I was the only heir and I was also the executor and that would bring in the letters of testamentary as soon as they were received from the courts. On XX/XX/XXXX my sister who's was named in the will but with no provisions to her from my father went into the bank and was able to withdraw approximately {$3000.00} from his checking account and savings account in addition to receiving information about transactions the account was not closed but the money was withdrawn creating overdrafts etc ... My sister was not a beneficiary on the account it was a joint tenants with rights of survivorship but there were no POD beneficiaries on the accounts. on XX/XX/XXXX my wife and I went into the Chase Bank with the will the death certificates to speak to them and find out how this happened we spoke to XXXX and his manager XXXX works at the branch and XXXX XXXX Texas and they refused to give us information they did take copies of the death certificates and the will and submitted them and said they sent them online for review however they said they would not give us any information until we came back with the letters of testamentary. the following day I emailed XXXX the manager of that location and requested her boss 's phone number due to my sister was able to walk into the bank and withdraw {$3000.00} when she had death certificates but no will and no other information and they gave it this information to her along with the cash yet I couldn't find out any information as to how or why they let her do this. XXXX XXXX response back to us was " Well she didn't do it at this location ''. I don't care where the transactions were completed I care that Chase bank was notified of my father 's death and alerted there was a will, they were alerted differently from XXXX XXXX ( my sister ). At the very least the funds should have remained on hold pending The discrepancy to be resolved. Chase also allowed my sister to cash a check made payable to my father 's estate I'll include a copy of that in the attached documents as well.my sister does have an account there so it's possible she deposited it instead of cashed it but you should be able to research it using the stubthat I'm providing. This is a clear case of your personal banker being negligent by not protecting the accounts.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I need this item deleted from my credit report effective immediately. I am attaching proof that XXXX admitted that I was a victim of this data breach and XXXX has deleted this item from my report as well as XXXX. I have also submitted evidence of the DATA Breach to Experian but they have denied my request. 

I have attempted several times to dispute this item with Experian, but however, they have denied my request. Please help me delete this illegal account from my credit report effective immediately. 

*XXXX XXXX : Account # XXXX {$3400.00} ( ( Charge off )
Product: Credit reporting or other personal consumer reports

XXXX XXXX  ACCOUNT NUMBER : XXXX I received a copy of my credit report, to my surprise, you are reporting this account incorrectly. This collection account is reporting not only as CLOSED but, also shows a past due balance of XXXX, According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. thank you
Product: Debt collection

This company has failed to respond to my numerous request as to the fraudulent account that is reporting to my credit report. I have been contacting the company asking for an investigation as described in the Federal Fair Credit Reporting Act!! I dont want any favors I dont want anyone to go out of their way I want them to do their jobs the ones they voluntarily applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services has sent my private account information to the credit bureaus without my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private account information to any report sent by a creditor who is also violating my privacy rights by sharing my private account information without my consent. Therefore, I demand that this account be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the bureau and creditors many times about how and why this information is on my credit report I have not business with any of these accounts. Im XXXX from XXXX XXXX. I ca n't drive and I don't apply for loans I'm on a fixed income here. please help remove this information from my credit please.They don't listen to me ever. XXXX bless XXXX XXXX XXXX Status Closed Balance {$1600.00} Type Collection Payment Status Late XXXX   XXXX XXXX Status Closed Balance {$1700.00} Type Collection Payment Status Late Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX XXXX  XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid XXXX XXXX XXXX Status Closed Balance {$4000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$16000.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$7100.00} Type Installment Loan Payment Status Late XXXX XXXX XXXX XXXX Status Closed Balance {$0.00} Type Installment Loan Payment Status Paid
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 an inquiry was removed and I lost 45 points?