23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I sent my tax paperwork into credit adjustment on XX/XX/XXXX. I was told by the agent that I was clear of an offset and that he didnt see anything on my account. He said as long as I set up my first payment I was good. I set up my payments and made sure they took them out of my account each month. I filed my taxes XX/XX/XXXX. Im in a group on XXXX and saw that there is a number to call to check on offsets and I called it. Sure enough there was on offset with department of education. I called Department of Education & Credit Adjustments and was informed an offset was placed on my account XX/XX/XXXX. I filed a complaint against the agent for giving me false information. If he wouldve told me that I had an offset I wouldnt have filed my taxes until the offset was lifted. My complaint was resolved and the Department of Education proved my claimed was valid and that he did indeed give me false information. But, they were still moving on with collections and he was going to be talked to and go into training. This is ridiculous, I shouldnt still be penalized because of what the agents you hired told me.
Product: Debt collection

I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX  on XXXX ( report # XXXX ). According to my most recent XXXX  credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX  account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Product: Credit card or prepaid card

I have been attempting to work  with Amazon ( Synchrony ) Store Card fo r over a year now. I have called multiple times to discuss misleading advertising regarding their advertised percentage off purchase through them, predatory late fee s ( which they enact one s econd past  XXXX   XXXX  EST on due date ), rude, unhelpful, or non-understandable customer service, and refusal to transfer me to the right department to resolve my issues. When I tried to work out a payment plan when they refused to drop a false late fee, I agreed to the plan as long as they could guarantee that they would stop reporting to the credit bureaus as I was truly attempting to pay off my small debt. They have said, in all instances, " there is nothing we can do '' as well as " we will continue to report even if you make your agreed payments on the hardship plan. '' The most notable issue started when I could n't pay them when I tried because their web server glitched   for two months in a row in 2016. Their main attitude is that they simply do not want to work with their customers or provide customer satisfaction.
Note : I have contacted   XXXX   as well, and this complaint in no way reflects   XXXX   's excellent customer experience. Synchrony bank on my other accounts with other companies has also been easy to deal with as far as payments, truthful advertising, and friendly and helpful customer service. The Amazon Synchrony Store Card is engaging in predatory lending and misleading advertising.
Product: Credit reporting or other personal consumer reports

This morning, I discovered an unauthorized inquiry on my credit report, and I have no idea why. When I checked my report as usual, I was shocked to find unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the issue remained. The fact that this unauthorized inquiry has not disappeared is extremely frustrating. I need this matter addressed immediately by thoroughly reviewing the documents Ive sent, so I can finally have peace of mind.
Product: Debt collection

For the past few months I have requested the lender send me an itemized payment history that included principal and interest balance. This request was made because I wanted to know the amount since my car contract was ending. Yes I made payments late BUT never 30 days over. This company harasses you constantly with phone calls from about XXXX different phone numbers in different area codes. The send text mSsages and email also. The only documentation they provided was a payment ledger with payment amount and payment date. I requested balances of int and principle and allocation of payment. I was told they do n't provide that. If I ca n't figure it out then take it to an accountant to figure it out for me. my monthly statements ONLY show amount due. There is NEVER A BALANCE AMOUNT OF LOAN shown on statement. At this point they continue to call and email daily requesting payment ... ..wanting me to comply. No problem but why not comply to my request to see what TRUE amount is owed. I received a statement asking to pay {$240.00} and XXXX XXXX is asking for {$340.00} another WHOLE car note. I informed him since last harassing phone call, the day my husband was in XXXX ... .these insensitive I humans did not care. I was asked " SO WHEN ARE YOU GOING TO MAKE PAYMENT? Since my husband had been ill my finances began to get worse. But I still managed to pay my car note. Now I 'm off on medical leave. I received another call from another Area code from XXXX XXXX and he asked me what my medical condition was. I told him that there is medical laws. I do n't have to give him info on my medical condition but I have my medical leave paperwork from my job. Once again I asked him to provided statement he replied with a nonsense reason why the amount owed. Why is the company refusing to providean itemized statement so I can close this loan. All payments for car note has been paid. ALTERNATE PHONE NUMBERS THEY CALL FROM:XXXXXXXXXXXXXXXXXXXXXXXX
Product: Checking or savings account

Beginning on XX/XX/2024 I tried to transfer the balance of my funds held in a PNC High Yield Savings Account into my personal XXXX XXXX  checking account which was already linked to this PNC account. The total balance of my account was {$78000.00}. An external transfer limit was placed on my account so that I could only withdraw {$25000.00} per month. I spent nearly 8 hours on the phone with various departments extending over a week. I was told on XXXX that a manager " XXXX '' was raising these limits so that I could transfer the remaining balance from PNC to XXXX XXXX  however this never occurred and the manager never contacted me as promised. I was told by XXXX XXXX in Executive Client Relations that a check was being XXXX XXXX XXXX to me on XXXX. To date the check has not been mailed to me, nor has it arrived at a XXXX  XXXX facility per the XXXX  XXXX tracking website. I called PNC bank Executive Client Relations team this morning XXXX and sent multiple emails to XXXX XXXX and XXXX XXXX and have not gotten a response. I was told when calling that there was no manager available to speak to me for many hours and that they would submit a request. I told this representative I was left with no choice but to start contacting regulatory agencies to intervene, yet still PNC bank has failed to provide me with access to my own funds totaling over {$53000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX  XX/XX/2021 NEGATIVE ACCOUNTS : XXXX XXXX XXXX -XXXX  XXXX XXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Equifax, I was a victim of identity theft and have 2 unauthorized hard credit inquiries on my credit report - these need to be removed immediately, per law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These were not done by me, these were not authorized by me. 

Below are the correct forms needed to have these removed, by law, within 96 hours upon receipt. 

If you have verified proof these were performed by me - provide such proof. If not, remove these immediately Attached are : - complaint - drivers license, social security card, address - ftc report
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This item was paid off for deletion with XXXX XXXX XXXX  card and it is still showing on my creditor report. It has also now been 7 years and the item has aged off and should have been deleted.
Product: Debt collection

Dear CFPB, I am writing to formally submit a complaint regarding the handling of my credit report disputes and the inaccurate reporting of several credit card claims. These claims originated in 2018 and should adhere to the Fair Credit Reporting Act ( FCRA ) guidelines, which require negative information to be removed after seven years. However, my attempts to resolve these matters have been mishandled and met with unjust actions by the credit reporting agency and creditors involved.

Upon discovering the inaccuracies, I promptly disputed the claims with my credit card issuers and the credit bureau. Under FCRA Section 605 ( b ), it is illegal to report information on a consumers credit report without proper validation or authorization. Despite this, my disputes were denied without any substantiated evidence or documentation proving the accuracy of the reported information. Furthermore, instead of resolving the matter fairly, the credit bureau vindictively updated the reporting dates to extend the negative information on my credit report, with some accounts now set to remain until XXXX. 

Initially, many of these accounts were slated for removal according to the standard seven-year reporting rule. However, after I disputed them, the removal dates were unjustly extended, directly contradicting FCRA guidelines. This appears to be a punitive and retaliatory action intended to harm my credit standing further. 

I am respectfully requesting that the CFPB investigate this matter thoroughly and ensure compliance with the FCRA. Specifically, I ask for : 1. The immediate removal of the disputed accounts from my credit report due to their improper reporting and lack of substantiating evidence. 
XXXX. A review of the credit bureaus practices regarding the extension of reporting dates following consumer disputes. 
Thank you for your time and attention to this serious matter. I trust the CFPB will take appropriate action to ensure fairness and accountability. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
Product: Checking or savings account

I had transferred {$2900.00} from my chase account to my chime account and they had froze my account with my funds in there, Ive sent every proof of document,, they are saying i have an account ending in XXXX but my account ends in 1975. XXXX verified i only had XXXX account open with them. I tried to XXXX way to tell them but instead chime told me they cant do anything because of the support team i had to email them. Also chase couldnt email me confidential information but they had assisted on being on the phone and verifying with them i do have XXXX account. But for some reason chime keeps telling me i got to send in documents that Ive been sent in. I havent used the account in a while but i feel as it dont matter if i havent used it in a while its in my name and also my chase wouldnt have linked to my account If i didnt verify it through and also on my chase account it shows my chime is active but chime is acting as if Im not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX on XX/XX/2021, through their financial institution, Synchrony Bank. Well, I have a fraud alert on all three bureaus and this was completely ignored by this creditor. The inquiry went right though without any hesitation. Nor did I receive a call to verify that the person applying for credit was indeed me. As a potential victim of identity theft I find this quite disturbing. Upon trying the reach out to them the only number I was a customer service number and nobody could point me in the right direction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called TransUnionXXXX after I purchased a credit report with XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00} XXXX XXXX XXXXXXXX Balance Owed : {$140.00}
Product: Debt collection

Receivables Outsourcing, LLC ( ROI ) frequently places robotic calls with a pre-recorded message without permission. One instance occurred on XX/XX/2018 at XXXX XXXX from XXXX. Once you call back the people are very rude and refuse to admit to breaking the law by using pre-recorded calls without being able to get a live person on the phone. They also attempted to collect a debt that was already paid to the original debtor ( a medical bill ). ROI also was attempting to collect an amount that was more than {$500.00} over what the actual amount owed was, and I verified this by checking my account on the hospital 's website. Bullying tactics and illegal calls are part of this company 's business practices. ROI 's  mailing address is XXXX XXXX XXXX XXXX, MD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act convergent 1 ) XXXX XXXX XXXX # XXXX, 2 ) XXXX XXXXXXXX # XXXX,3 ) XXXX XXXX # XXXX, XXXX ) XXXX XXXX  # XXXX, has violated my rights.

15 U.S.C 1681 section62 A. States I have the right to privacy.

15 U, S, C 1681 Section 64 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Subject : Synchrony Bank Please see numerous complaints similar in nature CD # XXXX opened XXXX XXXX XXXX XXXXXXXX month term Funding initiated within the XXXX business day window. Proceeds were debited from external bank account on XX/XX/2024, however did not show up in Synchrony Account until XX/XX/2024. I was informed that the initial stated interest rate was lowered from 5.5 % to 5.0 % due to delay in funding. 

Contacted Bank and was told I could close account with only a XXXX day early withdrawal penalty Notified account was closed on XX/XX/2024 but XXXX month penalty would apply Contacted the Bank on XX/XX/2024 about the delay in receiving my funds and the penalty issue. Was told it takes them XXXX days to close the CD and another XXXX days for me to receive the funds.In addition, they admitted making a mistake on the penalty and informed me the additional funds should be received within XXXX days. 

My assertions : Synchrony Bank is using less that professional standards processing credits and debits by delaying tactics which allows them to use clients funds as float, thus earning additional interest income. ACH debits/credits are not subject to these long delays. 
Please investigate all relevant complaints similar to mine
Product: Credit card

In XXXX of XXXX I signed up for a capital one secured card with the requirement being that I add a refundable deposit. The deposit according to what capital one expressed, was to be refunded and my credit card upgraded to unsecured with a limit increase after XXXX  months. It is XXXX and capital one still has not refunded my deposit and still has not upgraded my card to unsecured. I have paid responsibly since Ive activated the card. Have not missed a single payment. Ive called to get a definitive answer. And all Ive got from them is that they NEVER have to refund my deposit. I have even gone as far as reaching out to the XXXX  for assistance. But capital one still doesnt refund my deposit or upgrade my card.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and discovered inconsistencies and inaccurate late payment reports on my accounts with XXXX  XXXX, XXXX XXXX, and XXXX XXXX ( XXXX XXXX  ) across the three major credit bureaus : XXXX, TransUnion, and XXXX. These inaccuracies have negatively impacted my credit score and are in violation of the Fair Credit Reporting Act ( FCRA ). I have previously requested these corrections in other manners to no avail. 

The specific issues are as follows : Inconsistent Reporting of Late Payments : My XXXX XXXX account shows 90, 60, and 30-day late payments on TransUnion. This discrepancy is a violation of FCRA 623, which requires accurate and uniform reporting across all credit bureaus. Thus should be removed Failure to Update Charge-off Status : My XXXX XXXX  and XXXX XXXX ( XXXX XXXX  ) accounts were charged off, but the status has not been updated correctly. If the accounts have been settled or paid, the credit bureaus are required to reflect that, but this has not occurred. This is in violation of FCRA 623, which mandates creditors to report up-to-date and accurate information. 

Inaccurate or Unverified Late Payments : The late payments reported on my XXXX XXXX  account are inaccurate, as I had previously disputed the charge-off and related late payments. The credit bureaus have not properly verified this information, violating FCRA 611, which gives consumers the right to dispute inaccurate information and mandates credit bureaus to verify or remove disputed information within 30 days. 

Failure to Resolve Dispute : My XXXX XXXX ( XXXX XXXX  ) account was marked as " dispute resolved, customer disagrees, '' but the credit report still reflects a charge-off with no proper resolution. This indicates that the dispute was not handled fairly, as required by FCRA 611. 

Multiple Hard Inquiries : My TransUnion report shows multiple hard inquiries within a short period. These inquiries were unauthorized, this would be a violation of FCRA 604, which restricts the permissible reasons for hard inquiries.
Product: Checking or savings account

I am starting this complaint because I want the general public to know my story with Ally Bank. I used Ally Bank before and their online banking was down a lot that I could not pay my bills. I complained a lot because of it. Ally Bank revenged me by kicking me out and closed my accounts. 

I then complained to the CFPB and their stupid employee " XXXX '' kept running in a circle saying that the reason why Ally Bank closed my accounts was because I did not take care of my accounts and caused harms to my accounts and Ally Bank. 

However, when I repeatedly ask " What exactly and specifically did I do that Ally Bank said I caused harms to my accounts and Ally Bank? '' Their stupid employee " XXXX '' failed to answer and marked it as a a duplicate. 

Ally Bank admitted that they revenged me by closing my accounts just because I complained that their online banking was down a lot that I could not pay my bills. They admitted by not answering my question directly. My question was " What exactly and specifically did I do that Ally Bank said I caused harms to my accounts and Ally Bank? ". Ally Bank admitted by marking the previous complaints as duplicated and did not answer. 

CFPB put all of my complaints together to create a big story and let the general public know the horrible thing about Ally Bank. 

Shame on Ally Bank and you should be embarrassed of yourselves! 

This complaint is the follow-up complaint of the previous complaints ID XXXX AND XXXX AND XXXX AND XXXX AND XXXX AND XXXX. The XXXX  employee XXXX of Ally Bank did not answer my questions in complaint ID XXXX AND XXXX AND XXXX AND XXXX. The XXXX employee XXXX of XXXX Bank marked my complaints ID XXXX AND XXXX AND XXXX AND XXXX as DUPLICATED and did not respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern XXXX is reporting that my students loans are late I 've never received any documents from the company I call them in XX/XX/XXXX and that 's when they sent the first bill but its showing on my credit report I 'm over 100 days late.
Product: Credit card

I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.
Product: Checking or savings account

Issues : 1 ) I found unauthorized transactions that were NOT credited : XX/XX/XXXX XXXX XXXX XXXX   {$75.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$50.00} XX/XX/XXXX XXXX XXXX {$220.00} XX/XX/XXXX XXXX {$21.00} XX/XX/XXXX XXXX {$100.00} The total is {$470.00}. 

2 ) Also US Bank responded to Case No. : XXXX that : On XX/XX/XXXX US Bank mailed a Cashier 's Check for refunds totaling {$570.00}. 
3 ) Also {$710.00} was Never Received. 
US Banks XX/XX/XXXX letter sates " we are unable to verify your address you provided in your CFPB complaint ; therefore, we are submitting to CFPB, '' and 4 ) outstanding is XXXX XXXX {$140.00}. 
I request the Cashier 's Check be picked up at an XXXX XXXX, IL location or forward checks to XXXX XXXX, XXXX. XXXX XXXX, XXXX, IL XXXX.
Product: Debt collection

I got an alert that a company called that debt recovery solutions located in New York has placed a collection account on my credit bureaus. This is in direct violation of regulation F. Ive never spoken to these people or received any written communication from them.