23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I used the Synchrony Bank financing offered by my plumbing company to pay the bill for the major repairs they made when a pipe burst in my rental house XXXX XXXX. I chose the 6 mo/0 % interest option expecting the insurance claim plus my wages from tutoring would cover it. A few days later, the claim was denied. If I failed to pay in XXXX months, the interest rate would go up to 26.99 %, so the plumbing company Operations Manager agreed to change my contract to the 14.99 % revolving option. We made that revision XXXX XXXX and he faxed it to Synchrony Bank as he customarily did. But, the XXXX XXXX statement from Synchrony Bank still showed the charge with XXXX month financing. I called Synchrony Bank 's " Customer Care '' line and had a lengthy chat on XXXX XXXX the agent said only the " Merchant Care '' department could make the change if the company sent revised paperwork to Synchrony Bank. The agent refused to give me the fax number or to connect me with someone who had more authority in the " Customer Care '' department. I called the plumbing company immediately and their Operations Manager then called the " Merchant Care '' line and was told the change would be made if he re-sent the revised contract by fax which he did that day. Nothing was changed. When the Synchrony Bank statement arrived, I would call " Customer Care '', chat again longer each time and would be told the same thing as the month before. Again, I would call the Operations Manager who would call Synchrony Bank 's " Merchant Care '' and be told they did not have any paperwork that showed the finance option terms were revised, so the Operations Manager would re-send all the documents the agent wanted. Now, the XXXX XXXX deadline is very close. Both the Operations Manager and I are very frustrated with Synchrony Bank. I ca n't help but default on their XXXX month contract because my tutoring job ended. I live on a low fixed income, so I ca n't possibly pay the entire amount by then. The default will be bad for my credit, but more than anything else, I 'm worried because I wo n't be able to make the high interest payments if Synchrony Bank wo n't change the finance option.
Product: Debt collection

Calls my job repeatedly and asks for my ex-boyfriend. got rude with me and threatened me
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> Customer Service Department Bank of America XXXX Credit Card XXXX Re : XXXXXXXX XXXX Card Account # XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the unauthorized interest charges and transactions on XXXX XXXX XXXX XXXX account ( Account # XXXX XXXX XXXX XXXX ) for both XX/XX/year> and XX/XX/year>. 

Despite the fact that I have never used this credit card, I discovered that Bank of America applied charges to my account in both months without my consent or prior knowledge. It appears these charges were made to cover overdrafts in my personal debit account, without my authorization. This constitutes a breach of my financial privacy and rights under the Truth in Lending Act ( XXXX ) and Regulation Z, which requires creditors to obtain clear and explicit consent before charging a credit card. 

Here are the specific details of the charges I am disputing : XX/XX/year> : Bank Cash Advances ( Overdraft protection to debit account # XXXX ) : {$78.00} Interest charged on direct deposits & check cash advances : {$0.00} Total interest charged : {$79.00} XX/XX/year> : Interest charged on purchases : {$95.00} Interest charged on balance transfers : {$25.00} Interest charged on direct deposits & check cash advances : {$0.00} Total interest charged : {$100.00} In addition to the unauthorized charges, these actions have also caused my XXXX XXXX to decrease, as the late fees and high utilization ratio on my XXXX Credit Card were reported to credit agencies without my knowledge. This has caused me significant harm, as my XXXX XXXX is a critical factor in financial decisions, and your actions have unfairly penalized me for transactions I did not authorize. 

I consider this a serious violation of my consumer rights, and I request the following actions immediately : XXXX. XXXX reversal of all unauthorized interest charges from both XXXX and XX/XX/year>, totaling {$180.00}. 
XXXX. Clarification on how these overdraft transactions were processed without my approval. 
XXXX. Restoration of my XXXX XXXX to its previous standing before these unauthorized actions, along with any corrections submitted to credit reporting agencies. 
XXXX. A review of my account settings to ensure that this does not happen again, and an assurance that Bank of America will follow the Truth in Lending Act ( TILA ) and Regulation Z in all future transactions. 

This incident has caused me significant financial distress, and I expect this matter to be resolved as quickly as possible. If this issue is not resolved to my satisfaction within 14 days, I will be forced to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and explore further legal action for the breach of my consumer rights. 

Please address this issue urgently and provide me with a resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 
I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information TransUnion. Please delete the following accounts. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$980.00} XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX {$930.00} XXXX. XXXX XX/XX/XXXX {$760.00} XXXX. XXXX XXXX XX/XX/XXXX {$580.00} XXXX. XXXX XX/XX/XXXX {$2600.00} XXXX. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The following inquiries were not authorized by me and/or I do not recognize the account : XXXX. XXXXXXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX  XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by Equifax XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX  on XX/XX/XXXX by Equifax XXXX. XXXX on XX/XX/XXXX by Equifax XXXX. EQUIFAX XXXX on XX/XX/XXXX by XXXX XXXX. XXXX XXXX on XX/XX/XXXX by Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I am paying bills, called XXXX cause I Looked at my bills and again like last month it has fees on it that I did not understand, so like always I call XXXX and they say that Experian has closed my XXXX account, I said what. What does experian has to do with my XXXX account. I know XXXX told me several months ago they would reduce my credit limit from XXXX to XXXX i was fine with that until I get the bill down. When I contacted them last month, expecting to pay them XXXX dollars or so the automated teller said XXXX so I paid the XXXX. There was the XXXX dollars on the statement then but I thought I guess they know what they are doing I will just pay what they suggest. The XXXX dollars. Now yesterday I called to see why the XXXX is still on the statement and they tell me that the account is officially closed by Experian. I am confused and the young lady said, she hated having to tell me and other customers this information because XXXX has not allowed the customer service staff to see whats going on so clients can know when they talk to customer service people. The accounts originated with XXXX how can clients accounts then can only be discussed with experian and closed by experian with no 30 day warning to rectify or change anything. Isn't experian a credit reporting agency how do they get the authority to view and close my account, I don't even understand. And why is it that the company I open the account with does not close the account but a credit reporting agency does. I will do my best to pay XXXX off in the next few months and have them out of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I am writing to dispute inaccurate information on my credit report. I have carefully reviewed my credit report from XXXX, and I believe there are several items that are not reported correctly. 

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 14 USC 1681. 

XXXX, account number, XXXX, inaccurate amount shown on the credit report. 
XXXX account number : XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX : XXXX, inaccurate amount shown on the credit report, accounts closed In XXXX. 
XXXX XXXX inaccurate amount shown on the credit report. I have disputed the amount several times. 
XXXX  XXXX, inaccurate amount shown on the credit report. 
XXXX XXXX XXXX XXXX, Not my debt, do not know why or how this account exists on my credit report. 

XXXX XXXX Account closed company stop reporting and no longer in operation. 
XXXX  XXXX XXXX  Not my debt, do not know why or how this account exists on my credit report. 
XXXX XXXX XXXX Not my debt, do not know why or how this account exists on my credit report. 

The accounts above violates Fair Credit reporting act : 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c. ( a ) ( 5 ) Section States : 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 ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

Under the Fair Credit Reporting Act ( FCRA ), it is the responsibility of the credit reporting agency to investigate and verify the accuracy of the disputed items within 30 days of receiving this letter. I kindly request that you investigate these matters promptly and remove any inaccurate or unverifiable information from my credit report.

Additionally, I request that you provide me with a written copy of the results of your investigation and a corrected copy of my credit report. Please ensure that any corrected information is sent to all creditors who have received my report in the last six months, as per my rights under the FCRA. 

I appreciate your prompt attention to this matter. If necessary, please contact me at XXXX or via email at XXXX to discuss this dispute further. 


I look forward to a prompt resolution of this matter. 


Thank you for your assistance. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXXXXXX XXXX  Account number XXXX Account Balance {$140.00} Date Opened XX/XX/year> Open/Closed Open
Product: Credit card

Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers '', there is a robot asking me for my Social Security Number, which they should not need, for my home address, my telephone number, and XXXX knows what else, and they do not allow me to connect to a representative, period. Enough!!! I am not interested in giving that information to anyone, and the fact that THEY have it really XXXX me off.
Product: Checking or savings account

I already submitted a complaint for discriminative closing of account without notice. 
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX  XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit????? 
why applying a return fee of {$36.00} and close the client account without notice? 
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?
Product: Debt collection

Recently my employer ran a credit check on myself and unpaid balance on credit card from XXXX XXXX appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest
Product: Credit card

# 1 ... Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$320.00} { XXXX-ISSUES } ... ... ( # 2 ... 30 days past due as of XX/XX/XXXX ) ... .on my Capital One Credit Card. 

# 1. Concerning the above statement : I lived in XXXX, ( where the MAIL Service is NOT SO GOOD ... often NOT AT ALL )! Did ''NOT '' or never did get ANY STATEMENT or NEW CR EDIT CARD, from Capital One, ( after XXXX , sold my Account to Capital One Credit Cards ). I lived in XXXX., from, XX/XX/XXXX, until XX/XX/XXXX. I DID NOT GET ANY STATEMENTS FROM ''CAPITAL ONE ''. DESPITE ''NOT '' receiving any Statement, ( THUS NOT KNOWING WHAT I OWED OR EVEN THE PAYMENTS OWED ), I CONTINUED TO MAKE EVERY EFFORT, TO PAY, EACH MONTH, MY MONTHLY PAYMENTS. ( Paid at least {$15.00}, to $ XXXX-Dollars per Month, during the period from XX/XX/XXXX, until XX/XX/XXXX. 
I was Hospitalized XX/XX/XXXX ... ... ( had a Hospital Bill of almost $ 4,000-Thousnad Dollars ). This is the reason I was LATE with the XX/XX/XXXX PAYMENT for my Capital One Credit Card. Because I was in the Hospital, ( XXXX ). Stayed in the Hospital for 6-Days, at XXXX XXXX, XXXX, XXXX. 
Due to my Hospital stay, ( actually I had forgotten about making my Capital One Credit Card payment ). I thought I had already scheduled this to go out. I was wrong! But once I realized this ... ... XX/XX/XXXX, I MADE NOT ONE BUT 2-PAYMENTS FOR XX/XX/XXXX. 
Despite this ... ... THE COMPANY ( CAPITAL ONE ), PUT ON MY CREDIT REPORT, THAT I HAD BEEN LATE ... .. ( which was TRUE ). But there was a REASON ... .. ( ''NOT '' an Excuse )! 
I called CAPITAL ONE, asking them to REMOVE my LATE PAYMENT ... ( as this was the only time I had EVER BEEN LATE, with ANY PAYMENTS, to them. 
***CAPITAL ONE, told me that they were going to HAVE THIS REMOVED*** ( THE LATE PAYMENT, XX/XX/XXXX ... ... TO DATE THIS HAS ''NOT '' BEEN DONE AS OF YET? 
Hopefully, Capital One, with get this request accomplished. As all XXXX-Credit Agencies are reporting my Capital One Credit Card ( as being late over 30-Days, in XX/XX/XXXX ). 

# XXXX ... .Please REQUEST that CAPITAL ONE, & ALL XXXX AGENCIES .... ( TAKE OFF MY LATE PAYMENT OF XXXX, XX/XX/XXXX ). Due to my Hospitalization, at XXXX XXXX, in XXXX, XXXX, ( for 6-Day 's XX/XX/XXXX ), PLUS ''NOT '' RECEIVINGANY STATEMENTS whatsoever, when I lived in XX/XX/XXXX , from XX/XX/XXXX, until my return in XX/XX/XXXX. 
Thank you for your help concerning me trying to get my Credit in order. 
Respectfully, XXXX
Product: Checking or savings account

I received an email from chime at XXXX on XX/XX/XXXX stating Following a recent review of your Chime Checking Account opened on XX/XX/XXXX, we regret to inform you that we have closed your Chime Account ( s ). 

At XXXX on XX/XX/XXXX I called the customer service number provided in the email XXXX. 

I was told my account was closed do to suspicious account activity such as money loads and that my account was not eligible to be re opened. 

I requested to speak with someone about fighting this decision because I had not done anything out of the ordinary with my account and I filed my taxes through Chime and my refund is supposed to be deposited to that account, as well as the fact I had money in that account. They said they would transfer me to someone I could speak with and I got disconnected. I went though this calm process a second time with the same outcome. I then sent their customer support email a message requesting the same information and was given the reply to call the number I already called.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at : 1. My Address : Please be sure that my address is listed correctly, My address should XXXX XXXX XXXX XXXX, PA XXXX
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX, XXXX, I got a home improvement loan with Greensky through my contractor, XXXX  XXXX  XXXX '' ( XXXX ) ; I was getting new windows. The unsecured loan came back under my husband 's name only, although we'd also submitted one with both of us listed. 2 weeks after the loan was approved, my husband died ( XX/XX/XXXX ). I informed Greensky of this, but got no response. Mid XXXX, Greensky released 1/2 of the loan so the work could be started. ( The loan was for 48 months, interest free ). Come XXXX this year, the rest of the money was still sitting in my husband 's Greensky account. ( In XXXX, I'd sent them 2 copies of his death certificate & requested I be put added as I'd be paying it off. ) In early XXXX, XXXX emailed me, asking for the balance of the bill as Greensky had ignored requests for payment. So I called. 

On XX/XX/XXXX, I spoke with " XXXX '' who said that she'd have " Customer Service '' call me. No call ever came. On XX/XX/XXXX, I received a voice mail asking to speak to " XXXX ''. I returned her call about an hour later & spoke to " XXXX '' who would have " XXXX '' return my call. She didn't. On XX/XX/XXXX, I spoke with " XXXX '' who said that " XXXX '' was unavailable, but he'd give her a message. Later that afternoon, " XXXX '' called me back & requested that XXXX invoice them for the remainder of the loan, & they'd get paid. On XX/XX/XXXX, I finally connected with " XXXX '' who informed me that the XXXX needed to invoice Greensky w/i 24 - 48 business hours in order to be paid. I relayed this to XXXX. However, when XXXX  called them, they spoke to " XXXX '' who told them I was " given the wrong information '' & that I'd need to come up with the balance " some other way ''. They wouldn't release the remainder of the loan because my husband had passed ( but they released the first half even though he'd died! ) This makes no sense to me. 

On XX/XX/XXXX, I checked & saw that the balance of the loan still sat in XXXX 's account. On XX/XX/XXXX, I called to find out what the problem was so I could determine how best to proceed. I spoke with " XXXX '' who told me that she couldn't discuss this with me unless there was a document on file stating that I was the administrator of my husband 's estate ( yet they'd discussed it briefly with me previously ). Recently, I received duplicate letters from Greensky addressed to him stating that they'd " reviewed my complaint '' but I never filed a complaint with them & have no idea what they're talking about. I don't want to see others jerked around like I've been. I'm very frustrated!!
Product: Debt collection

This company is not legally authorized by my current state of residence to pursue any collection actions against me. According to the NC Secretary of State, this company is not licensed and therefore all collection activities need to end as well as the negative reporting on my credit report. According to NC law, in order for any collection activity to occur against a consumer, the collection agency MUST be licensed in NC. I am attaching an image of the NC Secretary of State search in which is shows this agency is not listed or licensed in the state.