23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/24 I received a phone call on a remaining balance of {$83.00} ; not only am I current I dont have a problem paying my bill and Ive even talked with a friendlier customer service representative from royalty finance who understood once I explained how I make my paymentsI pay more than expected and biweekly but theres always this one rep that is extremely rude and unprofessional!!! I explained I had til the end of the month to pay the remainder of the monthly payment amount and that Im not behind so what was the issue it was then she became extremely defensive and started using passive aggressive behavior to get a payment ( that I had ) I guess bc Im XXXX XXXX she figured she had to play the tough guy role with me to show me whos in control and I didnt take to that so kindly ; I plan on letting them just come get the car bc I can afford to pay on another and its tax time Ill get another vehicle ; it was XXXX lack of communication skills and professionalism thatll never be acceptable and Im sure Im not the first person shes ever been rude too she needs to educated and inserviced on how to better interact with customers
Product: Credit reporting or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! XXXX, XXXX, and EXPERIAN HAVE 1000 % VIOLATED THE FCRA, AND XXXX HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card. 

This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and EXPERIAN credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and EXPERIAN {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and EXPERIAN, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.

IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : EXPERIAN, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 

15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX INQUIRES : XXXX XX/XX/XXXX XXXX ADRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX EMPLOYERS : XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!

15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! 

DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account, XXXX XXXX XXXX  Account # XXXX  XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ninth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}.
Product: Checking or savings account

I received a text from the bank saying someone was trying to commit fraud. I declined it was me and they said they would be in contact. I then received a call from the 1-800 number for the bank. I was notified that someone had hacked my account and I needed to close it and move the funds. I did so because fraud occurs regularly with Truist. Once I did what they told me, I didn't get a new account or my funds in the new account they mentioned. I called them back and they said they had no record of our conversation and that I willingly depleted my account. I have proof it was the bank and that I did not willingly do that. I opened a claim and they denied me immediately without any evidence. I have submitted several pieces of evidence and no one will look in to the matter. I also have a police report I filed. I am now out XXXX. I was treated very unfairly by every person I spoke with. One even shamed me for falling for a scam. If the bank didn't call me all the time about fraud, I would not have been a victim as easily as I was.
Product: Checking or savings account

Complaint Summary : I am submitting a complaint regarding being locked out of my SoFi account, which resulted in significant inconvenience and financial risk while I was traveling. Additionally, SoFi 's response to my formal complaint about this issue was inadequate. 

Details of the Complaint : Issue : Locked Out of Account Incident Description : Date of Incident : XX/XX/year> Date Access Restored : XX/XX/year> Communication with SoFi : On XX/XX/XXXX, I was locked out of my SoFi account and immediately contacted SoFi customer service by phone. 
Despite explaining the urgency of my situation ( traveling and needing to access funds for essential expenses ), I was told to submit a request through the online form. 
The representative informed me that they might get back to me in 2-3 days. However, I did not receive any response until XX/XX/XXXX, which is one week later. 
During this period, I repeatedly called customer service, but each time I was told that nothing could be done over the phone and that I had to wait for a response to my online request. 
Impact : I needed funds urgently while traveling to cover important expenses. Fortunately, I had another debit card and access to other cash, which prevented a potentially disastrous situation. 
Being locked out of my account and the lack of timely assistance put me at significant financial risk and caused considerable stress. 
SoFis Inadequate Response : Upon returning from my travels, I submitted and escalated a formal complaint seeking compensation for my negative experience. 
SoFi simply denied my request with a generic response stating " apologies for any inconvenience, '' which is inadequate and does not address the severity of the issue. 
Requested Resolution : Monetary Compensation : {$300.00} for the significant inconvenience, financial risk, and inadequate assistance provided. 
Formal Apology : A formal apology from SoFi for the inconvenience and stress caused. 
Improvement in Customer Service : Assurance of improved customer service and better handling of such situations in the future to prevent recurrence. 

Contact Information : Name : XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX XXXX
Product: Credit card or prepaid card

I can not use my credit card to make purchases or log into my online account to see the amount of balance I owe. Around XXXX/XXXX/XXXX, Chase says my account must be reviewed by fraud team due to potential fraud associated with the account. All the purchases have been made by me or my son ( who is an authorized user ), and they said someone from fraud department will contact me by next day or two days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts from XXXX XXXX XXXX XXXX  all show remarks that the account is managed by a debt counciling service. It is not longer managed by them as the account is paid off and the account is closed and paid as agreed.
Product: Credit reporting or other personal consumer reports

This company is reporting 2 late payments in this closed account. 
Exeter FinanCial Account XXXX : XXXX Late Payments : XX/XX/year> XX/XX/year> | am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date.

According to the law 15 USC 1681b, you must receive written authorization from me to disclose information. I have never given written consent that you can disclose my information. I demand proof or that you verify the document or letter that I wrote allowing my information to be disclosed. information.
Product: Credit reporting or other personal consumer reports

These 3 inquiries that are reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable. ( PLEASE SEE ATTACHED )
Product: Money transfer, virtual currency, or money service

Transactions were being made without my authorizations also my Zelle will only works when it wants to.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of Fraud and Identity Theft [ as defined under 15 USC 1681a ( q ) ( 3 ) and 18 U.S.Code 1028 ]. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the consumer reporting agency, INNOVIS failed to provide the supporting documentation and verification under 15 U.S.C. 1681i - FCRA 611 ( a ) ( 7 ) documentation regarding procedures, proof, and identity of the person ( s ) reporting this account. The following account is fraudulent and being reported unlawfully.
Product: Credit card

I had an injury to my XXXX  and was off work for a month or so and fell behind on a payment Im back working and making my payments regularly and the 30 day late payment is dropping my credit score XXXX I just got custody of XXXX out of XXXX kids Im in the process off getting us a new home and this is really stopping me from getting this home for my family could u please please remove this off my credit report so it could go back up please
Product: Credit reporting or other personal consumer reports

Information on my credit report that is not mine. I disputed it multiple times, but they keep on reposting it to my credit report. It is not mine at all. Im not understanding how they can put something on my credit report and not have it verified the accounts that I have listed, and that are provided or accurate and does not belong to me. 

And also incorrect credit inquiries thats on my report
Product: Prepaid card

I received an amex gift card from my boss a couple years ago for {$100.00}. I have saved it for an emergency and when I tried to use it- it was declined. I called and tried to check the balance and it said that there was a problem with the card, not anything about the balance. Transferred to a customer service person - who said they needed to look into my card. They asked me for a lot of information which was concerning to me - name, address, phone #, email. They said they needed to open a case and it would take 7-14 days which was also concerning because the whole reason I was trying to use this card for an emergency purchase. ( When that emergency purchase couldn't be made, I tried to use it for another purchase just to see if it was the previous vendor- but that transaction was declined as well. ) I asked to speak to a supervisor to see if I could get this taken care of any faster and when I balked at all the information they wanted, I was put on hold for an hour and half. I called again - and then the new guy said that all of sudden there was no balance on the card - only XXXX cents left. I almost feel like they went and used the card themselves since I had provided all the information. They came up with some charge in XXXX that the card was used for on paypal - I do not use XXXX - and that this card was depleted. Now they opened a fraud case and say it could take 45 days to reach a decision?! That seems outrageous. 
It is sad that a card I had saved to use for a much needed purchase wasn't able to be used. And even more sad - that a company I had thought of as having excellent customer service has now become a run around. I looked on reddit and this has happened to so many people. Does Amex know that their cards arent working? Does Amex get all that money when we can't use the cards? It seems very fishy. Or maybe the Amex employees are taking old cards and using them and then saying they are depleted. Its sad.
Product: Debt collection

i was checking through my credit report. and found charges i did not authorize.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account XXXX Account Name : XXXX Account Number : XXXX and 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 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 or other personal consumer reports

The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to wreak havoc on my financial and emotional wellbeing, despite my repeated efforts to address these unauthorized entries. As a victim of identity theft, I never authorized or consented to these items being associated with my name, yet their continued presence has created an overwhelming burden of stress and anxiety that affects every aspect of my daily life. The psychological impact of watching these fraudulent entries damage my credit standing, despite my best efforts to resolve the situation, has become increasingly difficult to bear.
Product: Prepaid card

I've consistently had issues with this AMEX XXXX card, similar to issues with another e-gift card I received in XX/XX/XXXX. 

As XX/XX/XXXX, I can no longer use this card to add funds to my XXXX account balance. It declines everytime, even though I've successfully done it before without issue. It has declined {$25.00} and {$50.00} purchase attempts. 
This card also won't add to my XXXX XXXX, which means I can't use it at retailers that accept XXXX XXXX as a form of payment. 

Other failed purchase attempts, all attempted in XX/XX/XXXX, include : XXXX XXXX XXXX order ( approximate {$20.00} order ), -XXXX  app XXXX ( approximate {$10.00} order ), -XXXX  online orders ( approximate {$40.00} order ), XXXX XXXX  app order* ( I was able to place XXXX order through XXXX 's XXXX with this card, but all following attempts were declined ) all orders were between $ XXXX. 

Currently it only seems to be working with purchases made through XXXX 's website. Even so, anytime I use it there or at another retailer, it is a toss up as to whether it will actually work. It is extremely frustrating to receive a gift and not be able to use it easily, especially when AMEX is supposed to be used anywhere and everywhere in the XXXX.
Product: Vehicle loan or lease

With my recent credit report, there is late payment marked on it. I did not occur any late payment. I always made sure that I paid on time, why there is a mistake in my credit report? Did you thoroughly check it? The following account needs to rectify, it indicates the company name, balance and date last reported : XXXX XXXX XXXX XXXX XXXX / XX/XX/2022
Product: Credit card or prepaid card

This complaint is a follow-up to CFPB XXXX, which was closed by the credit card company Synchrony Bank without any discussion with myself, the complainant, even after repeated attempts by me to contact Synchrony Bank 's representative assigned the complaint to discuss the matter. 

I formally request this complaint to be reopened by CFPB on the basis of additional evidence being provided in the form of current day photographs and architectural drawings of the work that was originally contracted for but never performed by XXXX XXXX XXXX XXXX. The photographs being provided to Synchrony Bank via this follow-up complaint substantiate beyond any doubt that the {$7200.00} charged to my account for a balcony repair/remodel project was never provided by general XXXX XXXX & XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX committed fraud by offering to cancel the project but never providing a refund for the contracted amount of {$7200.00} back to the Synchrony bank credit card, even to this day. From XXXX XXXX, I attempted repeatedly to secure a refund from XXXX & XXXX XXXX XXXX By XX/XX/XXXX, XXXX XXXX XXXX XXXX stopped answering emails and phone messages from me requesting a refund. So, suspecting fraud, I began written communications with Synchrony Bank in XX/XX/XXXX per their prescribed dispute process. Although I've attempted on numerous occasions since then, I have never been able to speak with anyone actually responsible for investigating my fraud complaint. I have been passed around from one customer service representative to another. Each person said they did not have access to the paperwork I had submitted in my letters nor could they provide me a name of the person responsible to investigate my dispute. The representatives could only see that a dispute had been initiated. 

When I filed the original complaint with CFPB in XX/XX/XXXX, I was sent an email by a Synchrony Bank company representative ( XXXX XXXX ) that said she would be investigating my complaint and provided me a phone number to call her. I responded to her email the next day with a phone message requesting she call me to discuss the matter so that I could explain the dispute in detail and answer any questions she may have had. I also sent her an email with my telephone number and email address. After not receiving a call back for a few days, I called her number again, only to receive a message that her mailbox was full and not accepting messages. 

If someone from Synchrony Bank would just call me to discuss the dispute and review the letters, documents and photographs I have mailed to their company, I believe the dispute could be resolved appropriately in a few minutes. Unfortunately, it has been ten months since I initially reached out to Synchrony Bank and I still have not gotten anywhere due to their inherent bureaucracy and what I perceive as extremely poor customer service.
Product: Credit reporting or other personal consumer reports

I have been a Bank of America customer for 16 years with an authorized checking account and an exceptional payment history with my Bank of America mortgage. 

On or about XX/XX/XXXX, I learned for the very first time, via XXXX that I have been a victim of identity fraud associated with the following fraudulent credit cards and checking account : Fraudulent Bank of America Credit card ending : XXXX Claim number XXXX Amount : {$3600.00} Fraudulent Bank of America Credit card ending : XXXX Claim number : XXXX Amount : {$11000.00} Fraudulent Bank of America checking account : XXXX XXXX XXXX I have never resided at, occupied, utilized, or otherwise used the following addresses and phone numbers. 
the address located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; the address located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Phone : XXXX ; XXXX ; On or about XX/XX/XXXX, I called Bank of America to inform them about the inappropriate use of my identity to open two credit cards, but there was no history that they could identify. I received two case numbers from a Bank of America representative XXXX from Arkansas and that they will seek to remove it from my credit report : XXXX ( overdue balance of {$11000.00} ). 
XXXX ( overdue balance of {$3600.00} ). 

On or about XX/XX/XXXX, I spoke with another Bank of America rep and used the fraudulent phone number ( XXXX ) on file to locate these fraudulent accounts and thats when she filed the claim. 

On the fraudulent credit card, between XX/XX/XXXX, XXXX XXXX XXXX, the fraudster was in New York XXXX Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX and XXXX XXXX XXXX CA. I cant possibly be in two places at once. 

On the fraudulent credit card, between XX/XX/XXXX XXXX XXXX, XXXX, the fraudster was in XXXX. Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX XXXX XXXXXXXX XXXX Again, I cant possibly be in XXXX places at once. 

It is not a best practice to open credit cards while getting a mortgage : I received my Bank of America mortgage in XXXX XXXX  XXXX on XXXX XXXX, XXXX and I was moving on XX/XX/XXXX. I rented a XXXX  on my XXXX  credit card on XX/XX/XXXX in XXXX XXXX  XXXX, as stated in my XXXX  credit card statement. So there's no way that I can be in California opening two fraudulent Bank of America credit cards on XXXX XXXX, XXXX. 

I am not the XXXX XXXX that received statements or made payments at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and/or XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

Bank of America sent me credit card statements and checking account statements where the account ending does not align with the claim numbers.
Product: Credit card or prepaid card

This is the closest thing. This bank uses Posting Date and Transaction Date synonymously. When pulling the transaction history, I can not tell what has already been paid, and what has not. When I tabulate each month 's expenses, the sum of the transactions viewed are always less that the " current account balance '' usually by a couple hundred bucks. This is due to them posting charges that are back dated into the previous month. 
I have had 2 phone calls and 3 online chats with them since opening the card in XX/XX/2020. Each time I offer to explain this to their technical team if they have any questions. I get told that someone will escalate. And that's where it ends. 
While I can not prove anything shady, the backdating practice does not allow me to feel confident in the bills they are telling me to pay. This is also the fist bank that I have seen backdate the posting date of the charge to the transaction date.