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

On or around XX/XX/XXXX there was a fraudulent transaction to my Avant credit card ending in XXXX at a XXXX XXXX in the amount of XXXX and some change I've emailed about XXXX times I've called about XXXX times and the fraud department keeps stating that they don't see any fraudulent transaction on my account when I speak to regular customer service they see the fraudulent transaction I've since been paying on this transaction since the transaction happened I wasn't formed that I have to keep paying for this fraudulent transaction or it's going to impact my credit I've tried countless times to reach out to them left my phone number simply explaining what happened even letting them know all it takes is a 5-minute phone call to straighten this out no one seems to call me back and the only email that they keep replying back to is saying the same thing we don't see any fraudulent transactions on your account but I'm still paying for a transaction that's on my account doesn't make any sense XXXX is the person that's giving me a living nightmare she's supposed to be my investigator that's handling my claim I've even left her voicemails she never calls back never since the fraudulent transaction happened their customer service phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I refinanced my rental property loan with Truist Bank. I already have XXXX loans investment and personal property loans with them. 

When I refinanced, at that time, they were BB & T, and the first mortgage payment was due in XX/XX/XXXX, by mistake, I put XX/XX/XXXX in the auto payment option. 
When I knew my payment did not go, I immediately paid the balance, and now you can see that I have regular monthly mortgage payments. 

I never defaulted on my mortgage payments, If you check my other loan payments, you will see no delayed payment. 

This company should remove/clear the delayed payment from my records as I have paid the balance and I have been paying the monthly payments. 

It was a human error that caused the payment delays.
Product: Checking or savings account

Branch mgr hung up on me when I called for balance to be mailed to me because my account is blocked and I have been requesting stops but bank dies nothing continually. I request my balance and all statements which should be {$4000.00} but bank refused. I am refused online access, I am refused my statements. I am refused my money. XXXX branch Manager is upset and hung up on me.
Product: Credit card or prepaid card

Airline tickets purchased last year for my grandson and myself, could not be used due to a medical situation. The insurance purchased through XXXX XXXX ( XXXX ) was given documentation to support reasoning for refund last XX/XX/2018, who in turn would not approve the claim prior to disputing with Capital One. It was my understanding that the purchase of insurance was to allow necessary changes should a problem arise. Well it did. A provisional credit was issued and months later, reversed. Both XXXX and Capital One, said they were going to re-open the dispute but there are still no POSITIVE RESULTS like my refund. The current balance on my Capital One account ( {$5000.00} ) is and have been for a while over my limit ( {$4700.00} ). The following are the items disputed : XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$180.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX. ... XXXX {$34.00} XX/XX/XXXX XXXX XXXX XXXX XXXX. ... XXXX {$39.00}
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX. Received 3 emails from Synchrony Bank stating A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder, and another stating Action required on your application.

I never applied for a Creditbuilder but do have a Synchrony credit card tied to my Amazon account. These emails are alarming.

Has Synchrony been hacked? Can not get through to them. Please look into this!
Product: Credit reporting

I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Texas Laws Dear I.Q. DATA INTERNATIONAL, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Texas Finance Code under Sections 392.301 and 392.305, and identity fraud laws, specifically Texas Penal Code Section 32.51 . 

It has unequivocally come to my attention that [ company name ] has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Texas state law, specifically Section 392.301 of the Texas Finance Code, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 392.305 of the Texas Finance Code establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Texas Penal Code Section 32.51, underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for [ company name ] to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that [ company name ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 392.301 and 392.305 of the Texas Finance Code. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Texas state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that [ company name ] will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Debt collection

My paychecks had been garnished since XXXX of 2024 in the amount of {$320.00} per check. The last garnishment from my check on XX/XX/XXXX was an amount of {$500.00}. I owed a total of {$2200.00}, but I have now paid a total of {$2700.00}. I contacted the firm in which I owe and they still say I have a balance and are trying to figure out why. They are going to continue to garnish my wages until this is settled and at this point it is overpaid.
Product: Payday loan, title loan, personal loan, or advance loan

When we sat down with the representative he explained that it was 90 Days same as cash. My credit score was not so good and asked for something that I can afford. The representative never told me that it was a weekly payment and that a late fee will accompany the amount if the card was locked on the same day. It was so ridiculous that I made a large payment hoping that I could still get the same as cash 90 Days, but the ended up trying to charge me 3 times the amount which I felt was unfair and a set up because they harassed me and made me very uncomfortable. They even made negative reporting on my credit report effecting my credit.
Product: Money transfer, virtual currency, or money service

I tried to purchase tickets from someone and as soon as I transferred the money ( {$80.00} ) through Zelle their number disappeared and when I tried to call them their number had been disconnected.
Product: Checking or savings account

Opened a free checking bundle account back in XXXX under a new account promotion of {$300.00} after making 10 debit card transactions within 90 days, opening a eSavings account, and enrolling in eStatements. 

Completed all requirements in XX/XX/2020 and have not received the {$300.00} new account promotion.
Product: Checking or savings account

I'm not sure but i was told by an agent after I'd withdrawn funds that the depostitor who had sent me the money had sent a bad check therefore they held me responsible and closed my account and damaged my credit score more than it already was.
Product: Bank account or service

you can not get your statements on line of what you have paid whom
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went to check out a. new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I noticed a couple of items on my report that are not mine. These items need to be deleted from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear CFPB, I am writing to resolve damaging information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) sections 15 U.S.C 1681 section 602 A and 15 U.S.C 1681 section 604 A section XXXX. After reviewing my credit report, obtained from XXXX XXXX on XX/XX/year>, I noticed discrepancies that require your immediate attention and correction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Bureau XXXX, XXXX Leased a vehicle at XXXX XXXX Since then, all the credit listed at Equifax has been wiped out as if I am a new borrower. I have tried to get assistance with this from Equifax and Consumer Finance since XXXX, XXXX to no avail. 

Recently in XXXX, XXXX I tried to assist my daughter to lease a car from XXXX XXXX and the application was denied because of Equifax even though I have a FICO SCORE OF XXXX. 

I am afraid that when my own lease is up in XXXX, XXXX that Equifax will prevent me from obtaining credit as well. 

Are there civil rights or financial lawyers who can help me with this matter. This matter began around the same time of the security breach with Equifax and I am told that my personal data was impacted by the breach.
Product: Debt collection

Being charged interest and principle on a loan that is over twenty years old.Ca n't seem to contact XXXX XXXX XXXX to get any information about the original promissory note.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

Online chat with US Bank on XX/XX/XXXX claimed that I did not have any direct deposits to my checking account. 

The terms and conditions of the account that I opened stated that I would receive a {$300.00} bonus if I had direct deposits totaling greater that {$5000.00} to my new account within 90 days. 

I pointed out that I had employer direct deposits that totaled greater than {$5000.00} to my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Chat agent then stated that I was not targeted for the bonus, and that the bonus being offered was for existing customers. 

I XXXX 'd and ended the chat. Bonus terms stated none such thing.
Product: Credit card or prepaid card

I unfortunately caught XXXX on XX/XX/XXXX, someone had my information from my edd card and used it at a XXXX XXXX  in XXXX XXXX and took out {$1000.00}. I was home in bed when I seen on the XXXX someone did this, I called Bank of America and my account is still frozen with the {$3300.00} I have in there. If you add the {$1000.00} someone took out I should have {$4300.00}. At this point I just want to remove what I have left because this type of fraud seems more and more frequent. I call at least once every 2 weeks and no one will help me, not the supervisor not anyone I really just want whats left my unemployment
Product: Mortgage

I purchased my property in XXXX and refinanced it in XXXX with Wells Fargo. In XXXX I was falling behind in payments and was offered a modification with Wells Fargo. I have made the payments from XXXX to now and have fallen behind a couple of times in the XXXX plus years but have managed to pull through. I am in the process of selling the home and requested a payoff. The payoff provided is more than the refinanced amount of the property from XXXX. When I log into my Wells Fargo account it has a maturity date of XXXX/XXXX. It seems impossible to believe that a modification from XXXX with a 40 year term was not predatory. It's upsetting that I have been paying on this property for over 20 years and my payoff on this loan is more than the original amount. Please advise if I have any recourse. I have all the original documents from both the purchase, refinance and modification. 

Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON MY EXPERIAN REPORT IT SAYS I HAVE INQUIRIES THAT I DID NOT INQUIRE ABOUT I HAVE NO IDEA WHY THEY ARE ON MY CREDIT REPORT I BELIVE THIS IS FRAUD I HAVE ATTACHED A LETTER FROM A COMPANY LETTING ME KNOW MY PERSONAL INFORMATION WAS STOLEN FROM THEIR DATA BASE AND THEY OFFERED ME FREE IDENTITY THEFT ASSISTANCE. PLEASE REMOVE THESE INQUIRIES FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

It has been reported in the news that XXXX XXXX XXXXXXXX and XXXX have publicly stated that they will start denying loans and services to companies that are in the firearms business. These steps will be taken without considering the financial stability or credit worthiness of the companies. 
My understanding is that this is discrimination which is illegal under Federal Law and well as attacking the 2nd amendment of the US Constitution. 
Banks are intended to provide financial services and not make political or social statements. Both of these banks have received tax payer support during the recent collapse of the banking systems. By taking public support, they have also, removed any plausible argument that as a independent organization, they are free to make any statements or restrictions of trade they choose.
Product: Money transfer, virtual currency, or money service

Hello. I bank with Current Bank. Its an online bank. I've been trying to log into the app to get to my funds. On Monday XX/XX/2021, was the last time I used the card. Tuesday XX/XX/2021 I could not log into the app to get my money. I've sent several emails to this company. They keep telling me different ways on how to log in the app but nothing has worked. On XX/XX/2021 I was told that my issue will be escalated but i haven't heard back from the company. No one is telling me why i cant use the app. I just can't. I pay all of my bills from the card that i have with them. All of my money that i have is on this account. Please can someone help me!
Product: Debt collection

On XX/XX/XXXX i made a order on XXXX, XXXX # XXXX Order total {$87.00} ( XXXX items ), they Charged me XXXX  times for the same order. I summit q claim to my bank and XXXX and a receive XXXX payments totaling {$260.00}. Now they sent that amount to a collection agency charging me the XXXX payments with reference number XXXX for {$87.00} XXXX for {$87.00} XXXX for {$87.00} The name of the agency is XXXX XXXX with the agency are very difficult and everything must be solve online, the put on hold my XXXX account affecting my ability to purchase stuff that i only buy on XXXX. 

I called multiple times to XXXX and they told me that the only thing they can do is filling a form and contact me XXXX to XXXX later. 

I work in a financial institution and i cant have debts in collections.
Product: Credit reporting or other personal consumer reports

I've called to get my report sent to me which I was told it would. but upon asking Rep asked me fr my social security number. and provided a disclosure I had to sign before submitted my s.s. The disclosure statement did not specify whether providing my personal information was mandatory or voluntary. This lack of clarity led me to believe that I had no choice but to submit the information. When I asked the representative for clarification, their response did not address my concerns. I am concerned that this situation may violate my rights under the Privacy Act of XX/XX/1974. Additionally, I suspect that this lack of transparency may also be a violation under 15 U.S.C. 1640, which addresses civil liability for certain failures to comply with the Truth in Lending Act 's requirements.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a 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. '' Trans Union, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't 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 its customers and to protect the security and confidentiality of those customers nonpublic personal informatioXXXX XXXX XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( 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 XXXX XXXX XXXX  the financial institution and the Consumer reporting agencies Trans Union XXXX 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 Trans Union, XXXX, XXXX or XXXX XXXX XXXX XXXXXXXX XXXX  whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 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 an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer 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. Trans Union, XXXX and XXXX are not maintaining 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 your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

US Bank is reporting an erroneous late on my credit file and it must be removed. I recently checked my credit and noticed this late was reporting on my credit file. I have had an account with US bank for a very long time now and have never received a late on my account before. I have been a very loyal customer and have yet to be tardy. I did notice a late reporting for the month of XXXX in 2020 and I was simply never late. I made the payment and not only that, I never received any calls or notices if my account was ever past due. Please remove the late from my credit file.
Product: Debt collection

I'm a victim of identity theft, I never opened an account with XXXX.
Product: Debt collection

On XXXX XXXX, 2015 I made a payment as agreed on an account that Second Round Collection Agency is collecting on, this is an old charged off debt from XXXX XXXX. The agreement was to make XXXX payments in the amount of {$75.00}. The first check was paid in order to start the process as indicated by the collection agent, XXXX. I made that payment as indicated by the check enclosed for verification. Each month I have made the {$75.00} payment and for the Month of XXXX I made the payment and also sent in an extra check, since I had more money put aside, in the amount of {$75.00}. I have a coupon book that was sent to me that shows the due date of each {$75.00} payment. I received a letter for the month of XXXX that they are going to draft out of my bank account, {$150.00} for the month of XXXX. This of course was not the original agreement and was NOT authorized by me. I called my contact at the collection agency today, XXXX, and she stated that when the negotiation was made at first in the month of XXXX, 2015, the agreement was to make {$75.00} payments bi-weekly. There is no agreement that was made with this company to make bi-weekly payments. My concern is that this company has not upheld it 's agreement and they are planning to withdraw funds from my bank account without my consent. In addition, the amount due as stated on my collection letter/balance is incorrect. This is a major concern for me as I have spoken with this company more than once to and even asked at XXXX time to receive verification of the debt and was told I did n't need XXXX.