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

My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX  to XXXX  XXXX and the answer is XXXX  XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX  XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX  now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX  XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

XX/XX/2020 XXXX XXXX. Collection company portfolio recovery called my job and i let them know that they should not be calling my job XX/XX/2020 XXXX XXXX   collection company Portfolio recovery called my work number and i asked them again to not call my work number XX/XX/2020 XXXX XXXX Let the collection company to stop calling my work number and i let them know that they previously called this number and not to call anymore
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a formal complaint letter to Experian to their address in XXXX, TX that Experian was reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian is required by dederal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that Experian posts on a credit report. Experian failed to complete this verification process in the 30 days as required by law.
Product: Credit card

On XX/XX/23, I called Bank of America at XXXX to inquiry into secured credit card offer. Before proceeding, I asked if the card could be expedited. I was informed it could be, which resulted in my application and subsequent approval. After making my deposit, I was informed the representative had been incorrect in their initial presentation. I made clear to the rep that the ability to receive the card expeditiously would impact my decision to apply. I was either misinformed, deceived and/or scammed into opening a credit card account. Upon requesting cancelation and a refund, I was informed it would take up to XXXX business days. This allows the bank to make whatever interest off the money they deceptively acquired from me. The bank refused to honor what they originally promised, and only educated me on their policy after the fact.
Product: Credit card or prepaid card

My complaint is in regards to an over correction/charge that CITICARD XXXX inexplicably placed on my account on XX/XX/XXXX of XXXX and still HAS NOT REVERSED FROM MY ACCOUNT AFTER OVER TWO MONTHS of my speaking to various representatives. They are almost never the same ones that either claim to escalate the matter or a credit will be issued that hasnt been done to date. 

This is basically what happened : I placed a dispute with Citicard XXXX XXXX in regards to a Best Buy charge of XXXX and Citicard issued a conditional credit of XXXX on XX/XX/XXXX. Then on XX/XX/XXXX after Best Buy issued a credit and partial credit on some charges, Citicard reversed the conditional credit on XX/XX/XXXX, XXXX Best Buy had issued a full credit and partial credit which meant their initial charge was the appropriate remaining balance and Citibank reinstated the initial disputed charge of XXXX. Thus on XX/XX/XXXX, I closed the dispute online as after reviewing my online statement the charges were correct. 

BUT ON XX/XX/XXXX and after the XX/XX/XXXX statement close, CITICARD placed another Correction charge on my account of XXXX. This is an extra unauthorized charge placed by Citicard not Best Buy and I could not dispute the Citicard placed charge online. In the following days, months, Ive spoken to numerous representatives @ XXXX to get the extra correction taken off my account to no avail and I sent the dispute department a certified letter which they received an XX/XX/XXXX. I spoke to XXXX on XX/XX/XXXX about the issue, the following day, XX/XX/XXXX, I spoke with XXXX on live chat following up, XXXX or XXXX? on XX/XX/XXXX, XXXX on XX/XX/XXXX, on XX/XX/XXXX, XXXX or XXXX said I should check back again in 7-10 days, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX,. On XX/XX/XXXX, XXXX or XXXX promised me Id receive an adjustment on my account within 7 to 10 days which NEVER HAPPENED. XXXX on XX/XX/XXXX gave me the case number XXXX. My latest call was to dispute department supervisor XXXX on XX/XX/XXXX and I demanded to know what the hold up was or I would contact someone in the corporate office. He insisted he would call me the next day, Saturday XX/XX/XXXX, but I received NO PHONE CALL. 

What I expect is a credit correction of XXXX to my Citicard account balance ASAP as PROMISED and a letter of confirmation from Citicard and I want to be able to see the credit appearing on the next credit card statement as completed. 

.
Product: Debt collection

XXXX XXXX XXXX has posted an account on my credit report. XXXX XXXX  associates is a debt purchaser. However XXXX XXXX services never notified me of my right to dispute the debt that they purchased from Synchrony bank. In addition they claim that the Date of first delinquency was XXXX XXXX THe original date of deliquency was XXXX XXXX with no payments or promises to pay being made after that,
Product: Debt collection

Placed {$350.00} Medical debt on my credit report unwilling to send me any more correspondence even though I never received any in the first place. Spoke with ladies named XXXX unwilling to except Payment arrangments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX These inquires have been posted on my credit report without my permission, which violates my rights. 

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have filed a complaint and have never gotten a truthful or legitimate promissory note between XXXX XXXX the original creditor per his signature as the authorized agent of the credit and being the original creditor XXXX XXXX. XXXX XXXX  XXXX continues to disregard my consumer rights marking complaints as duplicates while they have never given any of the documentation requested, XXXX XXXX  in a has only presented non truth lies fraudulent documents no contracts between XXXX XXXX  and a no waivers of my consumer rights before XXXX  breached the contract and received my information without the proper documentation in place as in they are a third party non-affiliated entity. XXXX XXXX  is committing credit fraud credit reporting fraud and has no legitimate contract between XXXX XXXX the original creditor per his signature as the agent of the credit line through the Treasury.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX charged off a secured credit card for {$320.00} in XX/XX/XXXX. The account was originally opened in XX/XX/XXXX. This was a secured credit card, meaning the money was given to them to extend credit. They are reporting as a charge off on my credit report which is incorrect. The monies allocated for the secured account would have went towards any balance owed on the account.
Product: Money transfer, virtual currency, or money service

In XXXX or XX/XX/2019, I took a money order ( and a cash advance ) from Chase for {$10.00}, and the total was {$15.00} including the {$5.00} additional charge for the money order. I took a cash advance while I have a credit card with Chase, I have no checking or savings account there. I pay off my credit card bill every month, in full, and have done so for the entire time I've ever owned / used any credit cards. I was fully expecting that I would pay for that {$15.00} at the end of month, and that would be the end of that. 

2 months later, in XX/XX/2019, I was still being charged an interest for this money order, so I called and asked why this was still happening. Apparently, according to the customer service representation, despite paying off my credit card bill every month on time, Chase " can not '' bill me for the interest that accrues during the full month until the next month 's statement, so interest will continue to accrue FOREVER and without end and I would have been charged for the next few decades in increasing amounts unless I specifically call and request that all interest and payments are paid off as of the date you call. 

This is predatory behavior. I had no issue making the full payment of the interest that was remaining, but I imagine many consumers would have been deceived and vulnerable to this ridiculous practice.
Product: Credit reporting or other personal consumer reports

Experian is reporting information that is fraud.XXXX XXXX is on my Experian account BOTH auto and credit card. Both needs to be removed XXXX XXXX XXXX 1, This information has been reinserted multiple times ( XXXX ) 2, Never received proper method of validation ( never received a XXXX  day notice ) 3, The last date of activity is incorrect and being updated ever month ( XXXX ) 4. XXXX XXXX is not reporting to ALL three credit reporting agencies. 

XXXX XXXX XXXX 1. This information has been reinserted multiple times ( XXXX ) 2. Never received proper method of validation ( never received a 5 day notice ) 3. XXXX XXXX is not reporting to ALL three credit reporting agencies. 
4The last date of activity is incorrect and being updated ever month ( Fraud ) Its been a year and Experian has not complied
Product: Checking or savings account

The account was closed XX/XX/year>. I called them because I got a notification the account was flagged and they would not refund mt money in the account after it was closed. They wouldn't talk toe, blocked me. I no longer get emails from them. I sent in documention and information that was required but have not gotten anything back. I even set up another account to send in a void check to be able to get my refund. 

I have called many times since the account was closed, and they won't.give me any information nor allow me to talk to a manager or supervisor. They hang up on me. 

The amount that was in the account was about XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been a burden to my family and I. Please remove the fraudulent accounts from my credit report as soon as possible. Thanks in advance
Product: Credit card

Refer to credit Card with Capital One XXXX, I was trying to make a partial payment for my vacation trip XXXX to a XXXX company paymentwas decline couple of time and after that the card was blocked for couple of days, Then I made a payment with my other Capital One Card which went thru after couple of try. Now again today I was trying to make a payment and card was declined, I called the Capital One and was told that there policy is I can't use this card for such vacation. I am paying a membership for this card and I especiallytook this paid card for travel benefitsand essaymanage my finance. I am also leading a our group and responsiblefor all finance during our vacations. During all my payments I was in contact with Capitol One customer serviceto avoid these problems. But they are not giving me a satisfiedanswer for this problem. All the detailscan be obtain from Credit Card Company. Please let me know what can be done. I do want to go ahead with my complain for all inconvenienceand insult in my group. 

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

I have 2 negative accounts reporting on my credit that should not be there. I do not recognize either of them to be mine. The credit bureaus are violating my consumer rights by reporting misleading and inaccurate information. I also filed a ftc on XX/XX/21 which was ignored because both items are still on all of my reports.
Product: Credit reporting or other personal consumer reports

recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX paymenton an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy this account has not been late on payments I have attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX and past due balance of {$280.00} from equifax on XX/XX/XXXX ) Im now requesting you investigate and provide verflable proof with records showing that i had late payments. If this information can not be verified i demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. As it is my affecting credit and my moms credit as well.
Product: Mortgage

We have had very frustrating problems with our mortgage processing with the company TMS ( The Money Source ). 

Last year, we were told that we did not have home insurance on record with the company for the coming 2020 year ( we did, with XXXX XXXX ), and that we would be enrolled for insurance coverage through TMS. The insurance through TMS was around XXXX for the year. We sent them our documentation that we did have insurance coverage. The company accepted the new proof of coverage for the coming year XXXX. 

Then, in early XXXX, we received correspondence that there was no proof of coverage for XXXX, and that we were being charged for insurance through TMS for XXXX. We then arranged for new documentation to be sent over to TMS, which they eventually accepted. 

We then received new correspondence, saying we did not have coverage for XXXX. 

Each time we called, the representative was able to quickly see that we did have coverage for the year in question. There seems to be a huge disconnect between what is on file and how notices ( and charges ) are generated in the system. 

We do not have documentation for the three above incidents because they occurred months ago and we were not aware of an ongoing problem. 

On XX/XX/XXXX, an escrow analysis was conducted and we were sent an Escrow Account Disclosure Statement showing that we were still being billed for insurance through TMS, for {$1400.00} in the month of XXXX, leading to a significant escrow account shortage. You can clearly see charges to the escrow account for two different homeowners insurance payments, one for the insurance we selected through XXXX XXXX ( {$460.00} ), and one, presumably with TMS, for {$1400.00}. 

On XX/XX/XXXX, we spoke with a customer service representative, and were told that a new analysis would be conducted and that we should expect to see the charge to our escrow account go away. 

On XX/XX/XXXX, our mortgage payment was taken out and it was for the amount that accounted for the increased escrow shortage, due to the faulty charge for insurance through TMS. 

On XX/XX/XXXX, we spoke with another representative and were told the escrow analysis would not be completed until XX/XX/XXXX. The representative was not aware of any way to file a formal complaint with the company internally and could not provide a way to file a complaint, other than to stay on hold and wait to speak with a manager. 

The major issues are that we continue to have to provide documentation several times to TMS that we have insurance coverage, then to be told the company has our documentation, and subsequently find out that we are automatically receiving new charges due to their clerical errors. Communication is difficult with the company and it seems as if there is no way to ensure that the same mistakes will not continue to be made. Customer service reps will fix problems ( or say they will be fixed ) but then the same problem occurs again in the future. We have invested a lot of time on the phone, and if we were not diligently looking at all payments and documentation from them, we would be needlessly paying well over what we actually owe.
Product: Credit card or prepaid card

My credit limit was reduced due to credit report. 
I verified my credit report. No issues were found. Perfect credit. Citicard did this on my two cards, one of which is XXXX. They reduced my limit to my current balance which SEVERLY affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2020 I APPLIED FOR THE CO-VID 19 SMALL BUSINESS RELIEF FUNDING AND WAS DENIED DUE TO NEGATIVE ACCOUNTS ON MY CREDIT REPORT. I THEN THOROUGHLY REVIEWED MY CREDIT REPORT AND FOUND FIVE CREDIT CARD ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH ADDRESSES I HAVE NEVER LIVED AT. I HAVE NEVER OPENED ANY OF THESE ACCOUNTS OR EVER AUTHORIZED ANYONE ELSE TO OPEN THEM IN MY NAME. I HAVE NOT BENEFITTED OR RECEIVED ANY MONIES IN GOOD FAITH. I AM NOT LIABLE FOR THESE ACCOUNTS AND NEED THEM REMOVED PROMPTLY AS IT THEY ARE NOW CAUSING ME FINANCIAL HARDSHIP. PLEASE REMOVE THESE ADDRESSES AS I HAVE NEVER BEEN ASSOCIATED WITH THEM : XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Debt collection

On XX/XX/2021 a cfpb complaint was filed against Synchrony bank for their debt collection abusive practices. A cease and desist sworn affidavit was certified mailed to Synchrony bank. They were instructed to cease and desist both via cfpb complaint and certified mail. Synchrony bank has continued to harass I, the consumer, with repeated phone calls multiple times a day.
Product: Debt collection

Account name XXXX XXXX XXXX XXXX ( PURCHASED AN ACCOUNT FROM " XXXX XXXX THAT HAD A FRAUDULENT ACCOUNT TAKE OVER WITH FRAUDULANT UNAUTHORIZED CHARGES A WHILE BACK " AND NOW HAS IT IN COLLECTIONS AFTER I REPORTED FRAUD AND THEFT TO XXXX XXXX MULTIPLE TIMES, I AM NOT RESPONSIBLE FOR ANY CHARGES AND WILL NOT PAY IT, THE ACCOUNT WAS STOLEN AND USED WITHOUT MY PERMISSION. IT IS IDENTITY THEFT, REMOVE IT! BELOW IS THE ONLY INFOR I FOUND! 

Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/2023 Status Collection account. {$710.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$710.00} ( FRAUD ) Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$710.00} ( FRAUD )
Product: Credit card or prepaid card

Bank of America froze my account and is stating that I owe them XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC at XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of ( {$440.00} ) and ( XXXX ). 
Acct # XXXX ( {$270.00} ) Acct # XXXX ( {$440.00} ) The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting or other personal consumer reports

I am responding to the letter sent from Equifax to update an report an update information matching the assess listed. please report an review the reported information to help clear all data listed asap.
Product: Credit reporting

Equifax released my credit report to these individuals without my permission. These are fraudulent inquiries. 

XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX XXXX Inquiry XX/XX/XXXX