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

I have been a with ALLY FINANCIAL customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account ( XX/XX/XXXX, XX/XX/XXXX ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

Please delete this account from my credit report. The account is close and is showing past due. By law no account should ever show any pass due amount because its a violation of consumers privacy rights. This information on my credit report is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. Also the Creditor is not the original creditor and i did not give this company permission any written consent to furnish my information publicly
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion on multiple occasion about the inaccurate reporting on item XX/XX/XXXX# XXXX. They conducted an investigation and on the included copy of their credit report they state the following concerning this account : Date open XX/XX/2014 ( which is inaccurate ), the balance is stated as XXXX ( which is inaccurate ), they also report that the close date was XX/XX/2014 ( this is inaccurate ) and lastly that account was included in bankruptcy ( again this inaccurate ). 

I included a copy of a document that I received from XX/XX/XXXX indicating the inaccuracy of the investigation conducted by Transunion.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a purchase for the total of {$7000.00}. When I logged in to Check my account i saw I was charged TWICE. I called the store who assured me they only rang me up once and showed me proof. I then called the credit card company and they told me its a known issue and they are working on fixing it. Today is now XX/XX/XXXX and I still show a double charge. Each time I call they tell me there is nothing they can do and I have to wait. Am extremely upset to see a balance of {$14000.00} on my account due to being double charged.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX known as XXXX XXXX sold a debt to XXXXXX/XX/XXXX allegedly upon taking the company to arbitration about this behavior they stated they have since requested that the company cease collections until the arbitration process is completed as it is a violation of my rights to contract. The attorney for XX/XX/XXXXXXXX stated their client has no knowledge of ever making any claims for continued collection. I request that XXXX XXXX XXXX forward me the paperwork that is signed from someone from XXXX XXXX stating they have rights to collect. They keep stating they have verified with the client so I would like the documents that proves this as it would win my case against XX/XX/XXXX XXXX and any lawsuit I bring forth against XXXX XXXX XXXX. I have also filed with the attorney general of Michigan a complaint against XXXX XXXX XXXX because they are not licensed in the state of Michigan to collect. If you do have a license provide it to me immediately. I do not give you permission to use my name or likeness of my name. Doing so violates copyright laws in place for intellectual property.
Product: Student loan

I made my monthly payment on time and it was posted in my checking account on XX/XX/XXXX. They did not apply the payment to my loan and now are saying I am 10 days delinquent and are charging me late fees. I emailed the customer service department and explained this and they sent an email back saying I was delinquent and did not offer any assistance in fixing their error.
Product: Checking or savings account

I am currently situated in a XXXX XXXX  and prior to entering the facility my cell phone was given to my mother because she actually bought the phone just a few days before. My sister entered my mothers house and stole my phone containing all of my personal account information. I had left my wife all of my information for most of my other accounts so she could handle all of the finances etc I could not remember the login to my Chime account and the only way to change the password was to have possession of the phone my mother took back from me, the same XXXX my sister stole. My wife had physical possession of my debit card for my chime account but she could not access my account. My wife informed me that my sister had stolen XXXXXXXX XXXX out of my chime account. Once my wife learned my sister had taken money from my account she began moving my money onto her own personal XXXX XXXX to prevent my sister from taking even more until I was able to contact chime to get my account more secure. I eventually was able to use a phone to contact chime ( again ) and have my account reset so my wife could have access to it. My wife updated the password and phone number associated with the account and cut the old card off and had a new one sent out. I had filed a dispute with chime and was told my wife needed to press charges or file a police report ( since I am in a XXXX XXXX  ) before they could issue the money back to the card. My wife went the next day and filed a police report and sent it to chimes support team via email. They denied the dispute and would not return the money. I called again today to speak with someone and give information about my account and they still denied the dispute and will not return the money that was taken from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the fraudulent account in my file that is reporting on Transunion Credit Bureau. How many times should I tell you that I am a victim of identity theft and I did not create the responsibility of the account? I have requested that the account be removed to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged account below shown on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt PLEASE DELETE IMMEDIATELY! 

XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter Experian, XXXX, and XXXX on XX/XX/2020 asking them to remove the inquiries i don't recognize. They didn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX XXXX  XXXX partial account number ****XXXX. ( Please see page 3 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit card or prepaid card

I secured a First Progress MasterCard issued by Synovus Bank XX/XX/XXXX and never missed a payment. I made my last payment in XX/XX/XXXX and called to close my account. Since this was a secured credit card the difference between what I owed and my initial deposit resulted in a credit balance just over {$70.00}. Since this time ( nearly two months ) I have not received my check of over {$70.00} even though online the account is rendered closed. I called recently to inquire about the hold up of my funds, the customer service rep informs me it takes them 10 weeks after the close of the account to process my refund. When I asked why it takes so long to process my refund the only answer I received was its their policy. When asked would my money earn interest during those ten weeks, the response was no.

This is my first association with Synovus Bank although they have branches here in my hometown. I have several family members and friends who have checking and/or savings account with Synovus Bank because of their image of being a local bank and not part of a huge conglomerate and thereby would be more customers focused.

This is a marketing scheme and not true from my personal experience and here is why. During this same period, I also secured a credit card with a larger more established bank who issues the XXXX XXXX. Prior to me closing my account with Synovus, XXXX card wrote me a very nice letter stating they were changing the status of my XXXX card from secured to unsecured and refunding my initial deposit immediately since I was a good customer and never missed a payment, the same as my First Progress credit card. XXXX XXXX not only mailed me my refund within a week they also increased my credit limit to four times more than my initial deposit. Now XXXX XXXX from my viewpoint appreciates it customers and rewards them for their business and is more customer focused than profit driven. I really appreciate XXXX XXXX efforts and will continue to do business with them for several years to come. As for as Synovus, I dont agree with their 10 week wait policy for refunds without earning interest and will not do business with them nor any of their affiliations.
Product: Credit card or prepaid card

Back on XXXX XXXX, XXXX I contacted Comenity Bank about the 2 finance charges they had on my transaction sheet where I pay my bill. It listed two finance charges. When I asked them to explain themselves, they beat around the bush and did not directly answer me. I told them I wanted a full explanation and here is what they said : Although your interest rate did not change, other terms in the account have changed. To align purchases with the new terms, all purchases prior to XX/XX/XXXX will calculate a separate finance charge from any purchases after XX/XX/XXXX. When I inquired what the " new terms '' were they did not answer me. I told them I wanted a printed copy of the terms as well and still nothing. When I said if they did not explain things to me I would contact the Consumer Finance and let you know what was happening.

Comenity discontinued my card back in XXXX without a full explanation and I have not made a purchase with that card for nearly 3 years! The thing that has happened now is they went in and altered the transaction information and took off all the 2nd finance charges that were showing! I would like a credit for all those charges I was wrongly charged and a written explanation of what those " change in terms '' were exactly. I also found out they are doing the same thing to my Blair credit card account too!!! Two finance charges on them. Please make them stop and give my credit and written explanation. No other company is doing this. I do not have the card any longer so I can only provide the last 4 numbers of the account from my statement. Also, the ID number from my last contact with XXXX XXXX is XXXX.
Product: Mortgage

I came down with XXXX and I was still working going through my treatment and due to the fact that I had to deal with short term XXXX I wasnt getting my full pay and I went XXXX months of making payments and I got to the point where I couldnt make any more payments anymore thats when I call my mortgage company
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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, 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXX Account number XXXX, Account name : XXXX XXXX XXXX account number XXXX, Account name : XXXX XXXX account XXXX, Account name : XXXX XXXX XXXX XXXX account number XXXX account name : XXXX XXXX  account number XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$2300.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Mortgage

Bank of America and XXXX XXXX XXXX for illegally broke into their homes, changed locks to bar residents from re-entry, and shut off utilities well before a foreclosure is finalized.
Product: Money transfer, virtual currency, or money service

A person called up and stated was I purchasing or purchased a computer on XXXX and being sent to Ohio. I stated I dont know anybody in Ohio and no I did not purchase a computer they asked me to go onto my XXXX account and check which I did and then they told me to go onto my online and run a test to make sure and see if it was taken out of my account {$990.00} later I am out I filed a police report and reported it right away to M & t Bank and they say its under investigation I am a new customer there. This is the first time Ive ever done banking online I will never do banking online again. I had not even or ever tried any of the other features on the online banking app at M and T now they have it under investigation and I am not sure if they want to return my money which they should. I am very upset I am out {$990.00}
Product: Vehicle loan or lease

Capitol One is using unfair business practices on consumers by adding certain amount value for vehicle per or every other certain day. This investigation been opened and has been made aware of cramming that causes a consumer with excellent credit to be in more debt purposely by Capitol one.Evidence has been documented.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on many many many occasions reported to Experian that I was the victim of ID Theft via a family member! I have provided police reports, identity theft reports, court documents related to the identity theft and each time they come back saying its been verified as accurate when its not accurate
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$2000.00} inaccurate information is being reported please view the account it show error in the past due days XXXX it dont add up. Please remove immediately
Product: Mortgage

My original loan officer referred me to PRMG due to the XXXX program being cancelled by a lot of companies during the Covid-19. I was pre approved and put a contract on a property on XX/XX/2020 everything was going fine with the new company Paramount Residential Mortgage Group up until the communication became EXTREMELY lax. Weeks would go by without any updates. My file was submitted to XXXX on XX/XX/2020 where it sat untouched until approved on XX/XX/2020, I paid for my appraisal on XX/XX/2020 and no-one picked up my file until or even looked at it until XX/XX/2020 for the appraisal to be done. By then Ive put up extra earnest money to extend the contract and there was still no since of urgency. Ive emailed and called my loan officer and loan processor on several occasions and do not hear back from either days at a time, I left messages with my loan originator boss 3 times before I could get a call back. Our conversation seemed to be going well and was told that he would reach out to the sellers team and inform them on what's going on since the processor nor originator could do. Well I don't believe that call was made because the seller sent over a termination of contract due to being under contract for 4 months and not producing a closing date and not communicating with them on my file. I completely understand the seller decision and highly furious as I've waited this long and losing my earnest money. Not to mention that my lease is up and I'm going to have to sign another lease which I did not want to do.
Product: Student loan

This complaint concerns Fedloan Servicing and the public service loan forgiveness program. Last year ( XX/XX/XXXX ), in XX/XX/XXXX timeframe, my student loans were transferred to Fedloan Servicing to manage my payments towards the public service loan forgiveness program. I have been consistently making on time payments since my loans have been in repayment status ( XX/XX/XXXX ), before and after they were transferred. In XXXX ( XXXX ), I called customer service to get a total count on the number of payments I had made towards the 120 qualifying payments and was told that I had only made 3. I  informed the customer service representative that it should have been more than that because I had been in repayment status for much longer than that and had been making payments. After reviewing my account again, the representative informed me that I had been making payments larger than what I was supposed to be paying and as such, the payments were not being captured towards the qualifying payments. The representative agreed that I had made more payments than what was originally stated. The rep advised that she would record my concerns and a letter will be mailed to me notifying me of the total number of payments that quality since there was a backlog for this type of issue. Last week ( XX/XX/XXXX ), I received notification that the total number of qualifying payments I had made was 1, which is completely different from anything that was discussed in XX/XX/XXXX. In addition to the above issue, it appears that the balance of my student loans has increased tremendously from what the balance was prior to transferring to Fedloan.
Product: Credit card or prepaid card

Wells Fargo closed my XXXX XXXX card without reaching out to me first to see if I still needed the credit line. Had to find out from a credit bureau report vs. Wells Fargo reaching out to me. No wonder they are always in trouble with government agencies.
Product: Debt collection

At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a copy of an FTC affidavit of identity theft and a police report to all  XXXX  bureaus. By law they must block the information from my credit reports. To date,   XXXX    complied but  XXXX  has only deleted on account not blocked the information they were required to and I can not tell on Experian if it has been blocked or not.
Product: Debt collection

On Sunday XX/XX/2023 around XXXX A lady identified herself as attorney XXXX XXXX XXXX GA XXXX # XXXX working for XXXX XXXX XXXX XXXX XXXX went to my parent 's house, knocked on their door. My dad answered the door but he doesn't speak English so my 16yrs old son who was there at the time came to the door. The lady handed him a stack of court paper over 60pages and pointed out the information on the first page and explained to him that I owed XXXX XXXX about {$10000.00}. She told him that I need to call her within 30days to resolve. She also asked him to translate that to my Dad who wasn't at the door anymore but my son said it's ok and then she drove off. He was shocked and traumatized by the information so he called me. I have to rush over to the house to get the paper and calm him down.