23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In accordance with the fair route credit reporting act 15 USC 1681 section 602 a states there is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness and impartiality, and the respect for consumers rights to privacy. XXXX and XXXX are consumer reporting agency and I am a consumer. I have the right to make sure my private information isnt shared which is backed by 15 USC 6801 which states it is the policy of the Congress, that each financial institution has an affirmative and continuing obligation to respect the privacy of customers to protect the security and confidentialities of those customers nonpublic personal information SYNCHRONY BANK is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that in general subject to subsection see any consumer reporting agency may furniture consumer report under the following circumstances, and no other : in accordance with the written instructions of the consumer, to whom it relates SYNCHRONY BANK the financial institution, and the consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information, and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and SYNCHRONY BANK whether it be verbal nonverbal written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that a financial institution, may not disclose nonpublic personal information to nonaffiliated third parties, unless the consumers, giving an explanation of how the consumer can exercise that non-disclosure option SYNCHRONY BANK Never informed me of my right to exercise. My non-disclosure option. Not only that 15 USC 1681C. ( a ) ( 5 ) states except as authorized under subsection be no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse items of information, other than records of convictions of crimes, which antedates the report by more than seven years this account is an adverse item. They are reporting again without my permission, and it is against the law. 15 US code 1681 S-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer reporting agency is the person knows or has reasonable cost to believe the information is inaccurate 15 US code 1681 E. states every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of this section 1681C of this title, and to limit the furnishings of the consumer reports to the purposes listed under section 1681B of this title XXXX and XXXX are not mean tanning reasonable procedures. also 12, CFR 1016.7 states that a consumer may exercise the right to opt out at any time. I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

I am the agent XXXX, XXXX : for the Principal XXXX XXXX making an attempt to opt of reporting services for the XXXX XXXX Account Number XXXX with Experian XXXX The Fair Credit Reporting Act or 15 USC 1681 section 602 states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Experian is a consumer reporting agency and I am the consumer, a natural person. As the consumer, I have the right to ensure my private information is not shared pursuant to 15 USC 6801. 15 USC 6801 states that It is the policy of congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers nonpublic personal information. In this case, XXXX XXXX is a financial institution by definition in accordance with 15 USC 6801.

15 USC 1681 section 604 ( a ) section 2 references In general Subject to section ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. XXXX XXXX who is the financial institution and the consumer reporting agency reporting on this account ( Experian ) DOES NOT have my consent to furnish this information or my written consent. Any and all consent to Experian, and XXXX XXXX whether verbal, non-verbal, written, or implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose non public financial information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non disclosure option. XXXX XXXX has never informed me or notified me of my right to exercise my non disclosure option. 

Additionally, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is in fact an adverse item they are reporting without my permission which is against the law. 15 USC 1681s-2 ( A ) ( 1 ) states that 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 information is inaccurate. Furthermore, 15 USC 1681 ( e ) states that Every customer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Public Law 90-321 expounds on Title 15 Section 1681 and states consumer credit should only be pulled for Child Support provisions. Finally, pursuant to 12 CFR 1016.7 A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

Late fees and interest charge on statements and credit reports incorrect with low score and delinquent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filled a dispute with experian who stated it will remain on my credit even though it is XXXX XXXX old and also has wrong loan amount, wrong payment history and wrong highest balance. They refuse to remove the account as it has inaccurate information
Product: Debt collection

I was alerted by a credit monitoring company I use that a derogatory account was added. I looked at the account and it was Trans World Systems Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. I was not familiar with the account that stated that account went in delinquent on XX/XX/XXXX for {$480.00} and was assigned on XX/XX/XXXX. I had not received a letter from this company and didn't know who this was so I called them and they said it was for XXXX XXXX. I had not had XXXX XXXX for almost 7 years and was sure I paid the bill they said I did not so I asked them why was the date XXXX and they said it was the date it was sent to them I asked them why was I never contacted and it was just put on my credit ad delinquent with out giving me a chance to pay and they had no answer for that. After speaking to like 3 people over two days I just paid the amount. I was not happy with this so I decided to call back on XX/XX/XXXX to find out more about this because it just didn't understand how I had a account open in XXXX when I lived in a area that XXXX XXXX didn't serve. I called the company and the rep answered he went into a long spill about me winning a {$100.00} Visa or Mastercard and before he could help me I needed to pay {$2.00} shipping fee to get the card to me. I told him I didn't want the card I just wanted help with my debt to understand what address it was for he said he couldn't help me until I paid the {$2.00} fee I refused and he hung up on me. I called back 4 times and each time the same thing no one would talk to me unless I agreed to pay {$2.00} for this credit card. I ask for a manger and was put on hold when a manager answered they started out as if they was going to help and they went right into I must pay this fee first so they could give me information I was requesting about the debt and if not they I couldn't have it. I told her it was illegal and ask for her name and she hung up on me. I was not able to get any information about my account I tried calling XXXX XXXX they told me it was sent to TransWorld and I had to contact them for information. At this time I have paid this and I really don't think it's my account and they have also now reported it on my credit as in collection/charged off and I have disputed it and can not get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen due to XXXX XXXX and discover cards sending prequalified letters to old addresses that I do not live at anymore because of this they were successful in opening a discover account in my name on XX/XX/XXXX and attempted to open another credit card with XXXX XXXX on XX/XX/XXXX since then my credit profiles have all been frozen. Because of this I have 2 hard inquiries one from discover and one from XXXX XXXX I do not have any active accounts with either of them and never had an account with neither of them I contacted XXXX XXXX they said they couldnt do anything because I have never had an account with them. These inquiries should come off my credit report in XX/XX/XXXX and XXXX XXXX. At this time I have time sensitive applications. So I need them removed as soon as possible. After I receive some type of letter of deletion or confirmation from both discover and XXXX XXXX I can prove to the credit bureaus these inquiries do not belong to me
Product: Credit card or prepaid card

I received a visa debit reward card for participating in an interview with XXXX in the amount of {$420.00}. It was issued through the Bank of America on XX/XX/XXXX. It had a good through date of XX/XX/XXXX. When I tried to access the funds on XX/XX/XXXX I was told that the funds were forfeited as it was after the XX/XX/XXXX date. I called the number on the back of the card Bank of America ) and they also said the funds were forfeited. When I asked for them to reissue the funds or a new card they declined. I thought that these cards ( from a financial institution ) didnt expire for at least 5 years after the issue date despite what was said on the card itself. ( Two years is a relatively short amount of time to have access the value of the card ). The Bank of America representative declined allowing me to speak to anyone else or appeal this. The money is a significant sum for services provided and I fail to see why the bank can simply reclaim the money that was paid to them by XXXX. Please help me to reclaim this money. 
XXXX XXXX
Product: Checking or savings account

I have been a loy al Wells Fargo  customer for years, and I have never been so disappointed in their business practices.     On  X/XX/17    I requested  XXXX  separate transfers from  XXXX  of my checking accounts with WF, to the other. The funds were available at the time of the transfer. In addition, there was a {$1.00} fee from  XXXX  deducted from my account to validate it. Following this there was an automatic payment from  XXXX . I was charged an overdraft fee for all  XXXX  charges. I am being charged {$35.00} for a {$1.00} fee that was nothing more than a test of my account! I do not understand how that is ethical.     I have contacted the bank twice, because I feel like the transfers were held to post out of order, thus causing an increase in overdraft fees. Had I requested a transfer without the funds being available, it would have been denied. The first person refunded  XXXX  of  XXXX  of the fees. I do n't feel like this was enough to correct this. I requested again for this to be done, and was told they would not refund any more of the fees. The only fee I feel is legitimate is for the  XXXX  payment.     In addition, I did not elect for overdraft protection on any of my accounts with WF.     I will also be closing all  XXXX  of my WF accounts.
Product: Mortgage

I SHORT SALE MY HOUSE IN XXXX OF 2010, WITH CHASE MORGAN XXXX.YET THEY ARE STILL REPORTING ON MY CREDIT REPORT XXXX OPEN LOANS WITH INTREST REOCURRING EVERY MONTH AND THEY SAIDTHE LOAN HAS BEEN CLOSED ON THERE END BUT THE CREDIT REPORTING COMPANIES CONTINUES TO REPORT IT. HELP ME PLEASE
Product: Vehicle loan or lease

In accordance with the fair credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report which showed inquiries that I did not authorize. I understand you should not be allowed to put an inquiry on my file unless I have approved it. The Fair Credit Reporting Act states that any Infor motion that is maintained on an individual 's credit report must be accurate. This includes unauthorized inquiries
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently did an investigation on my consumer report which caused XXXX  XXXX upon me and I found unverifiable, invalidated, inaccurate and questionable items that your agency didn't make sure was reporting 100 % correct and I did not give the credit reporting agencies written consent for these accounts to report to my consumer report pursuant 15 USC 1681b. Without my consent this is reporting fraudulently. The credit reporting agencies is committing FRAUD!!! Please remove these fraud accounts and fraud inquiries from my consumer report!
Product: Debt collection

I recently placed a complaint in regaards to XXXX XXXX XXXX, who filed a citation against me, in civil court. XXXX XXXX, with CFPB. They claimed to have sent a letter on specific dates, initiating the purchase of my debt from Rooms To Go, Synchrony Bank. However, this was false information. As I stated in my feedback, I receive Informed Mail from my postal service. Which means, I receive images of my mail, before they arrive in my mailbox. I checked dates given for letters and received absolutely nothing from this company. That is, until today, XX/XX/2023. 
However, I contacted Synchrony Bank in regards to my RoomsToGo account. 

After searching endlessy, I found emails from Synchrony Bank, in my junk mail ( emails ). 
They offered me a settlement and payment plan, that would remove all late fees and allow me to pay my balance off with them. 
I called, todayXXXX  and spoke with XXXX. She informed me, that a dispute was sent to XXXX XXXX. She also informed me that, within 60 days, my account should be back with Synchrony Bank and I should not have to deal with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries Creditor Date of inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Im complaining about a XXXX account XXXX XXXXXXXX that 3o days late and is closed. This account was not 30 days late and it was closed in XX/XX/2024. I contacted XXXX and told them that this account was not late and is closed
Product: Credit card

I was charged a XXXX dollar return fee because they tried to take a payment from an account I dont know anything about. They have done this numerous times and refuse to refund the fees.i spoke with a supervisor named destiny and she transferred me to the incorrect department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several unknown inquiries with Transunion-XXXX on several occasions as they have not complied with my requests. I've also contacted their fraud department and made a complaint with negative results. I further believe my identity may have been compromised as I do not recognize these companies.I want these inquiries deleted immediately. Lastly Transunion failed to forward me the results of their investigation as required by the FCRA. I am extremely disappointed in their failure to comply with the law. There are several inquiries that I do not recognize. Please see the following unauthorized inquiries : TRANSUNION XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is a follow up complaint to Equifax from XX/XX/year> about incorrect/inaccurate or missing information on my credit report with accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Equifax has closed multiple disputes that falls within 30 days WITHOUT SENDING ME THE RESULTS OR ALLOWING ME TO ACCESS THE RESULTS ON THEIR PORTAL. This raises a lot of RED FLAGS! This is my second attempt for them to correct the information 100 % or to delete the accounts! I will be contacting an attorney for compensation per violation per each account if this is not corrected or DELETED. This practice is a clear violation of the law 15usc 1681e ( b ) Also due to their improper investigation, they have changed a remark on the " lead bank '' account which dropped my score 19 points, just for them to change it back. I also have proof that will be attached to this dispute as well.
Product: Credit reporting or other personal consumer reports

i been trying to contact Experian by way of signing in on line and by way of support phone calls to remove consumer statement from my report and it is impossible to do so i have attached the document of this issue with Experian. 

please remove any consumer statement made by be immediately
Product: Credit card or prepaid card

This is not my account never applied or consent for this to be open it is open by fraud
Product: Bank account or service

I signed up for a bank account with Citibank for a promotional offer where I would receive XXXX airline miles after meeting a set of criteria. I met the criteria XX/XX/XXXX and waited the three billing cycles that the promotion required to pass before I was given the airline miles. The miles should have posted XX/XX/XXXX and that 's what I was told, but I still do not have them and now my messages are left unanswered.
Product: Checking or savings account

XX/XX/year> was contacted via phone by person interpreting chase bank, person knew all my details which I never provided, person asked me to withdraw money from my account for an internal investigation for FBI/identify theft, they created chase bank digital wallets through XXXX XXXX XXXX to submit the deposit temporarily and they were going to provide me with new account information to protect my information, the digital wallets had all my personal information, they had me withdraw funds twice to deposit into chase bank ATM , 1st transaction XXXX and second XXXX, unfortunately the bank in person did not question my requests or had me hold to pick up the next day or speak to a branch manager so this correlated with the fraud investigation the person interpreting chase bank was saying, I had never stepped inside these branch locations or withdrawn large amounts to create a red flag. at the end they provided me with a text from chase bank protection that disclosed the amounts deposited and claim numbers associated, they scheduled me an appointment the following day to discuss findings and provide me with my new account info, that is when I decided to contact chase bank to ensure such appointment existed and to my luck it did not, I was able to return to chase ATM and obtain email address and last 4 digits of the accounts associated with the deposits, attempted to speak to staff at the bank and told me to return the next day, when I called chase bank they mentioned that there was access to my account via a web browser back XX/XX/year> from a city 2 hrs away and I was not notified, there was also a second device on my log in that I did not authorize. I have filed a police report and claim with chase bank due to identify theft I suffered financial loss, had I been notified of breaches in my account there could have been steps taken to protect my info and accounts.
Product: Vehicle loan or lease

Hyundai Motor Finance are morons. I paid off the loan as confirmed by them on XX/XX/2020. In both XX/XX/XXXXand XX/XX/2020 they have reported on mine and my wife 's 3 credit bureaus we have been late 30 days on each month. This after we had a XXXX  balance. I put in a complaint with them last month and they did nothing, now XX/XX/XXXXshows ANOTHER 30 day late. My credit score dropped over 100 points and I am trying to get a mortage now. Hyundai didn't care and told me to dispute it with credit bureaus myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX MD XXXX I am contacting you because I received notice that the accounts that I have previously disputed have been verified. I am confused by this matter because these alleged accounts had and continue to have so many inconsistencies and inaccuracies. Please see the screenshots that I have attached that show such blatant inaccuracies. I do not know which of the bureaus are reporting the correct information, but each of you told me that the information has been verified. 
Under the FCRA any and all information that is being reported to my credit report must be 100 % verifiable and accurate. So now I am asking that your company provides me in detail the steps that were taken to investigate these alleged accounts. Pursuant to 15 USC 1681i, I am granted the right to ask for this information from your company, and your company must comply with my request within 15 days of receiving this letter. If you are unable to provide me with such information I kindly ask that you delete these accounts from my credit report, and provide me with an updated copy of my credit report which reflects these changes. 
DEPTEDXXXX ( Duplicate Account ) XXXX List Inquiries REGIONAL XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX. 
Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX I look forward to your companys prompt response concerning this matter, and thank you in advance for protecting my rights as a consumer under the FCRA