23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I went to Truist Bank XXXX XXXX XXXX ( XXXX ) XXXX Closed by bank checking account # XXXX XXXX, because I was charged an over draft charge of {$30.00}. 
Went in bank closed account and took my {$15000.00}. 
XXXX told me the account was closed. 
On XX/XX/XXXX Truist bank mail a check {$90.00} to an old gardener we used. 
started receiving notices after XXXX XXXX to call bank my account was over drawing. 
went to bank told them account was closed on XX/XX/XXXX, teller said she would fix the problem. 
on XX/XX/XXXX Truist mail another {$90.00} check to the gardener, which hasn't been our gardener for months. 
Got more notices from Truist bank about over drafts and fee 's went to Truist bank was told they will fix it again. 
Got more notices to call the bank customer service, was told they would retrieve the money from the gardener account since he banked with Truist bank also. 
XXXX XX/XX/XXXX Truist bank mailed another $ XXXX to the gardener account. 
This XXXX  months in a row a {$90.00} check was mailed from account that has been closed for over XXXX  months. 
all this time charging me fee 's for over drafts on a closed account. 
No in XXXX started receiving letters from collection agency. 
went to XXXX XXXX the teller said I must all the monies even if XXXX made the mistake. 
I would Truist to clean all this mess the teller made.
Product: Debt collection

I sent a certified letter ( tracking XXXX ) via USPS mail LVNV Funding XXXX XXXX XXXXXXXX XXXX, SC. XXXX on XX/XX/2020 req

uesting VALIDATION not verification on a debt they say I owe to them. The letter was in fact was delivered and signed for. I have received NO RESPONSE at all regarding this matter. I neither affirm nor deny that I owe this debt and under the Fair Debt Collection practices I am entitled to receive validation and other information I have requested in my letter to them for this debt that they have reported to all 3 credit bureaus.
They currently sit with a little over XXXX complaints filed with the Consumer Financial Protection Bureau ( or CFPB ) and over XXXX with the XXXX XXXX XXXX.
Product: Credit card or prepaid card

Care Credit offered a 0 % interest rate for all amounts paid in full at the end of 6 months. Twice I took advantage of this offer. Both times, I was told that because I didn't make monthly payments, I owed interest. I explained that the program was explained to me that as long as the entire balance was paid off by the end of the 6 months, there would be no interest accrued. The company did correct the issue and refunded the interest payments. 

However, in XX/XX/2023 they closed my account " after reviewing my credit information. '' At this point, I had never missed a payment, had paid this account in full- the same goes for my Lowe 's Synchrony account. They arbitrarily closed my account to retaliate against me because I filed a complaint against the Synchrony Amazon Card. 

The Synchrony Amazon card has been closed for over a year, but continues to charge me fees and interest, despite the account being closed and not being used - and having been paid off in full. 

Synchrony Bank is being predatory and I had two accounts in 100 % good standing with them - CareCredit and Lowe 's, but they closed my CareCredit for no reason. These two accounts have always been paid on time. 

These are predatory and retaliatory lending practices. 

All debts on my credit report are related to civil litigation and are not my responsibility. I am in the process of securing a lawyer to have them removed. Please ask Synchrony Bank to explain their actions against my Care Credit account which has always been in good standing/
Product: Credit card

I have a Capital One Visa card, to which I have several automatic payments attached. Within the last couple years, I had to close the account ( get a new account number ) once when my son lost his card and then again when Capital One changed to chip cards. Changing account numbers is a real hassle for the consumer who has payments tied to the card. 

Several times the fraud department has declined transactions, even though they were n't fraudulent. Typically, I could respond to a text or email and retry the transaction, but this is n't very convenient if others are waiting in line behind you at a store ( especially at a grocery store checkout, for example ). 

Yesterday was the last straw with me. I received a call from the fraud department regarding some small charges, none of which were fraudulent. In fact, one of the charges they asked me about was a regular monthly charge that has appeared on my account for over a year. Apparently, their computer program " suspected '' that there was a fraud problem, and they insisted on closing the account. I spoke with a supervisor in the fraud department and told her that I did n't want my account number changed yet again, especially since it was a chip card ( supposedly more secure ) and there were no fraudulent charges. She just gave me the spiel about the computer suspecting something and insisted on closing the account. I asked to speak with her boss, and she told me she does n't report to anyone, which I find very hard to believe. So I told her I 'm done with Capital One. Apparently, they do n't care about losing business. 

Questions : Can they close my account against my will even though there were n't any fraudulent charges? Are there any credit card issuers whose fraud departments are more reasonable to deal with?
Product: Checking or savings account

On XXXX XX/XX/XXXX, I booked an eyelash extension service with this lady. THIS IS HER BOOKING SITE. ( XXXX XXXX XXXXXXXX XXXX ) I paid {$99.00} upfront for this appointment online. A couple minutes later I cancelled the appointment due to scheduling issues. After, I contacted the lady and she said she would start the refund process and it would take XXXX business days to be refunded. This was on the XXXX of XXXX. It is now XX/XX/XXXX. 
Almost XXXX weeks and I have yet to receive a refund. To add on, when I try to contact the lady I received no response. I fear I have been scammed out of my money. Please Help! Thank You.
Product: Vehicle loan or lease

On XX/XX/2017, the State of Florida was declared a disaster zone, FEMA-4337-DR ( please see attachment ). After Hurricane Irma hit Florida, I contacted XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and asked for aid concerning the car payments. I was informed that aid was available but that the guidelines were not yet clear from corporate. I was instructed not to make payments and that the they will waive the fees and that my credit will not be affected. In XX/XX/XXXX I informed them that I would make one months payment and during the months of XX/XX/XXXX and XX/XX/XXXX I would pay all that was due. They agreed and this is exactly what I did, ( please see attached credit report ). During the month of XX/XX/XXXX while reviewing my credit report ( please see attachment ), I noticed that they reported late payments so I called customer service. After a long back and forth, they stated that they will not remove the negative information. I explained that I have never been late as the record proves and that the reason for all this was because of a natural disaster that 's out of my control. Even this reasoning would not help and they stated that they will not remove any negative information. My biggest problem is that this company supposedly extend aid during a drastic time but then hurts you by damaging your credit score.  This ill action by World Omni has even affected my employment since its credit score sensitive.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT A DUPLICATE COMPLAINT. This new complaint is in response to recent postal mail dated XX/XX/XXXX and received by me on XX/XX/XXXX from Experian. They have been ignoring my disputes and just casually 'updating ' the accounts with typical account info. Therefore, there are a few accounts still ILLEGALLY REPORTING in my credit file. As I mention in my attached document, Experian stated in this Dispute Report # XXXX on XX/XX/XXXX that accurate information can not be deleted. Well, please tell me how in the world an account thats reporting late months with THEM ( in XX/XX/XXXX and XX/XX/XXXX ) are reporting POSITIVE AT XXXX for the lifetime of the accountincluding for those SAME MONTHS they claim I was late! HOW IS THIS ACCURATE? WHY WAS THIS INACCURACY & VIOLATION NOT UPDATED TO POSITIVE? Please tell me how illegally reporting a re-aged account is " accurate '' information. Or how accounts that have two different " account open '' dates across bureaus are reporting 'accurately ' with you. THESE ARE ALL VIOLATIONS. I demand that this dispute be expedited due to Experian 's negligence and the disputed accounts be deleted immediately and updated to positive where noted. The attachment includes my SS card and photo ID.
Product: Consumer Loan

I recently applied for an unsecured personal loan for the purpose of paying off revolving debt and lowering the interest rate on an outstanding personal loan. I did the application online and was approved based on the information provided as well as information obtained from my credit report with an unsecured loan amount {$12000.00}. Once I got in touch with someone at the local level I was offered a secured loan of {$31000.00} against my XX/XX/2015 XXXX which on the resale market is only worth {$8000.00}. I did get an approval for an {$11000.00} unsecured loan, but after further review on my end I restructured the payoffs to put myself at a better financial advantage in the long term. However, after I restructured I was told that the unsecured loan with the better savings was not an option. During this process I referred a co-worker to the same company who was told that they do NOT do unsecured loans for more than {$7000.00}. There is something going on with this company. The amount of back and forth and miss-information that I was given is unacceptable. I myself am in the lending industry and know there are rules and company policies. But when I restructure a loan on my own with the same dollar amount that I was given originally and all I 'm changing is the payoffs with a higher monthly savings by more than {$100.00} and the underwriter says no that 's too risky, makes me feel like their intention is to make me default on my loan. All I did was change payoffs, that 's all.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : " There should be no balance, past due or monthly payment on an account no longer owned by original company, this account was transfer/sold ; DELETE IMMEDIATELY '' Please provide the method of validation used as a collection with a past due balance is inaccurate credit reporting. 

Here as follows are items in error : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. Failure to respond satisfactorily within 30 days of RECEIPT of this letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : XXXX. ) Defamation XXXX. ) Negligent Enablement Of Identity Fraud XXXX. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 

Thank you for your cooperation in this matter,
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I have not received a letter from them prior to them placing this on my credit report. I was not afforded my right under the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Checking or savings account

I was denied trying to open up a bank account and was told to contact ChexSystems to find out that an account, line of credit, and credit card had been open in my name that are all fraudulent with XXXX. Bank account have a balance of {$370.00}, Line of Credit have a balance of {$21000.00} and Credit Card with a balance of {$6100.00}. I have contacted ChexSystems and XXXX about this issue and have received the same inaccurate results.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. Its my understanding that TransUnion will investigate this account for me to ensure accuracy. Here Is the account I am asking you to verify as accurate : account name : open sky : account number:XXXX
Product: Checking or savings account

My income tax refund was deposited into my Found business checking account, I was hospitalized and during this time my phone along with other personal items were stolen! I attempted to dispute the first XXXX transactions that I saw once I regained access to my Found account but I never heard anything back from the disputes department! Once I was released from the hospital I check my account again only to have {$1.00} remaining. I then began to send multiple emails to the Found disputes department as this is the only way to contact anyone with this company. My account was compromised and I begged this company to assist me and they absolutely refused. The funds stolen were my tax return from the government and I did not authorize any of those transactions, I am demanding Found reimburse the funds that were in my account & once I receive them I would no longer like to use their app for anything. If they are FDIC insured they are entitled to reimburse me my money and ensure that it is always secured! I am only asking for my tax return funds back nothing extra. Thanks
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. 

Account Number Account Name # 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 XXXXXXXX have 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 usc section 602 states I have the right to privacy 15 usc section 604 A Section 2 : it also states a consumer may not furnish an account without my written instructions.

15 usc 1666B : A creditor may not treat a payment on a credit card and or open -end consumer credit plan as late for any purpose.
Product: Checking or savings account

Dear Consumer Services Department, When I was younger about XXXX years ago I was given a bad check and was told it was for a online job I was supposed to start soon and I'm supposed to get my work from home equipment from that check to get started with work but unfortunately it was a fraudulent check and by the time my bank had informed me it was too late. I am writing to formally request to opt out of all information sharing and data collection activities conducted by XXXX XXXX XXXX under my name and personal information. 

As per 15 USC 1681b, a consumer reporting agency may furnish a consumer report under certain permissible circumstances. However, no such formal written instruction was provided by me, the consumer, to furnish or share my personal information with Early Warning Services. Therefore, I am exercising my rights under this code to withdraw any presumed consent for data sharing and to cease all related activities immediately. 

Please confirm receipt of this letter and the completion of my opt-out request at your earliest convenience. I expect that all my personal information will be removed from your databases and no further reports will be furnished or shared. 

Thank you for your prompt attention to this matter.
Product: Debt collection

The aforementioned credit collection agency representing whoever your " client '' is has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,   XXXX   and  XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If ASSETCARE does not have any documentation other than a bill that they printed, ( i.e. : signature contract agreeing to pa y ) they nee d to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information 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.

# 1 Account name : XXXXXXXX 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 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 XXXXXXXX 5 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 XXXX 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 or other personal consumer reports

XXXX XXXX Department charged my account without my consent that I owe a debt 31 USC subsections 3123 my credit report has charges that against consumers law 15 USC 1681 ( n ) wilfully fail to comply so my information wast stolen after Breach of contract, breach of office, 15 USC 1605 ( a ) it's prepaid XXXX 15usc 1681s-2 ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has several new inquiries where I DID NOT Authorize them, the companies were contacted and nothing done, Experian has them listed and I have a phone number on file on my report that they did not call to verify it was me requesting these credit inquires, I have fraud protection on my file, they are required to contact or verify this ... instead they didn't yet listed them as valid inquiries ... all are without my knowledge or consent Listed : XXXX Inquiry Date : XX/XX/XXXX. I did not request nor was I called to verify by creditor BYMAILONLY XXXX  XXXX XXXX   Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditorPhone # : ( XXXX ) XXXX XXXX/XXXX  Inquiry Date : XX/XX/XXXX BYMAILONLY I did not request nor was I contacted of this EXPERIAN BUSINESS Inquiry Date : XX/XX/XXXX I did not request nor was I called to verify by creditor XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not request this credit, now was I called to verify XXXX/XXXX Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize was told it would be removed XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX I did not authorize, nor was I verified XXXX/XXXX  Department And Variety Stores - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XXXX All above I did not authorize and want removed from my file
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus last XXXX XXXX, 2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX  XXXX XXXX Balance : {$38.00} ; XXXX  XXXX XXXX Balance : {$690.00}
Product: Mortgage

We got screwed over by Wells Fargo. We won the lawsuit & got a settlement. This is so unfair to still be on our credit report! We have been paying higher interest rates since. Going on five years! We would like this off our credit report!