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

I am extremely disappointed with purchases I made with XXXX this summer. I'm not dissapointed with the customer service -- the sales engineer genuinely did his best to find the right equipment in my budget. I'm not disappointed with the equipment -- the gear was exactly what I wanted. I'm disappointed with my 48 month financing through XXXX and Synchrony Bank. 

My monthly payments were advertised as less than {$50.00} with no interest. I could pay it off within 48 months. I appreciate having the equipment I need to do my job immediately. I would even agree to pay more over time for the ability to have the equipment I need right now. That's why I jumped on the opportunity to pay over 4 years with no additional charges. And then my first bill from XXXX was {$75.00}. 

I figured I was paying for extra charges up front and then my bills would be reduced later on, but I have bills for {$75.00} or more every month. I pay roughly {$45.00} on my balance each month, and then I pay an additional {$30.00} of fees. I did not know about these fees or the amount until I received my first bill. I'm charged {$38.00} for late payments with no grace period. Monthly, on average I'm paying exactly 2/3 of what should be owed on my balance on additional fees. On bad months, I could be paying 151 % of my balance payment in fees. I will pay {$1400.00} over four years in fees alone. My original balance owed is less than {$2000.00}. It's difficult to communicate just how disgusted I feel. 

XXXX is a company that, on its face, values its customers. They are famous for their sales calls. Most music professionals and hobbyists I know have only the best things to say about XXXX. For a company with this reputation to offer credit with these exorbitant hidden fees is both deceptive and exploitative. I will never buy from XXXX again. I will make sure my friends, students, clients, and audience never buy from XXXX. 

Synchrony bank is absolutely gouging its customers with fees. What I am paying in fees is such a high percentage of the balance owed that I feel they are simply running a scam and exploiting people.
Product: Checking or savings account

The representative hung up in my face ( XXXX '' ). I called back and explained that I had filed a dispute for a purchase of goods using my debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX - XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize these inquiries. TransUnion : XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 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 XXXXXXXX XXXX
Product: Mortgage

Our mortgage was sold within a year of purchasing our new home. We have never missed payment on our mortgage, however it shows up on paper that we missed payment on our mortgage because we were never contacted by the new mortgage company ( Homebridge Financial Services ). We also have a new problem, because our mortgage was sold again in XXXX and our mortgage has been incorrect for three months and the new company ( XXXX Mortgage ) has not corrected it. There was an escrow shortage that we paid in full to Homebridge to reduce our monthly mortgage. As soon as we paid the escrow shortage our mortgage was sold to XXXX Mortgage. We have had to call for three months to get current amounts due corrected and this XXXX will be month four. Every time we talk to XXXX Mortgage, they tell us they can see that we paid the escrow shortage and will get it corrected however it has yet to be done. Due to all of these problems our credit has now been negatively affected when there should have never been a problem because every mortgage payment has been paid in full.
Product: Checking or savings account

Opened citibank account in beginning of XXXX. XXXX direct deposit of {$1000.00} was made by my employer in checking account on XXXX. My online access was revoked soon after. Citi closed my account without notice before XXXX ( they never let me know until XXXX. Before XX/XX/XXXX they told me that I there are some issues online and that I should go to ATM to pull my funds. When I called them unable to withdraw they said my account is closed ). I made the necessary changes in my payroll system to not send any more direct deposits to citi XXXX but it was too late and funds were issued on XX/XX/XXXX for the amount of {$840.00}. Citibank verbally told me that they would not accept the funds but they did and I have trace numbers from my employer on the receipt of both XXXX and XXXX direct deposits to Citi. End of XXXX i receive a check of {$25.00} from citi for my funds payback. I panicked and call them on XXXX XXXX XXXX ( Call reference no XXXX ) and confirmed that for some reason citi broke it down into two parts and that a check of $ XXXX is being issues and I would receive it in XXXX calendar days. Did not receive the check. So called again XX/XX/XXXX Sunday at XXXX XXXX  Call record number XXXX where they confirmed that they had made a mistake in processing the XX/XX/XXXX and hence they are reissuing. Someone would call me at XXXX either Sun or Monday to confirm a few things. No call back received. I called today XXXX went through XXXX different reps with the XXXX XXXX rep telling me that I need to wait XXXX business days more to receive the check as there is a delay. I wanted to know what the delay was. Was directed to security department where they aid that as it has been 60 days there is no check going out and that they have closed the matter. They don't owe me anything and they are not ready to further conversation. Please note that all previous reps before this confirmed that they owe me a check of {$1800.00} dollars. Please help me get my salary money back
Product: Credit reporting or other personal consumer reports

My XXXX account number XXXX credit reporting on the credit reporting bureas, Transunion, XXXX and XXXX are showing a late payment for XX/XX/XXXX  and this is incorrect. This account has had no late payments. The payment was posted late in error by company XXXX. Payment crossed with XXXX and XXXX payment. I spoke with a XXXX representative and representative agreed payment was not late. I was told my credit report will be updated to pay as agreed with no late payments to all three credit bureaus. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an unauthorized hard inquiry on my credit report attributed to JPMCB CARD, dated XX/XX/year>. I did not authorize or initiate this inquiry, and its presence on my credit report violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which mandates that consumer credit reports can only be accessed for permissible purposes or with explicit authorization. 

Under the FCRA, hard inquiries are only allowed when : The consumer has applied for credit. 
The consumer has authorized the inquiry in writing. 
The requestor has a legally permissible purpose. 
I have no relationship with JPMCB CARD, have not applied for credit with them, and did not authorize this inquiry. 

Therefore, I am requesting the following : Immediate Removal : Removal of the unauthorized inquiry by JPMCB CARD from my credit report. 
Proof of Authorization : Documentation demonstrating my authorization for this inquiry. If such documentation does not exist, the inquiry must be removed promptly. 
I have previously provided supporting documentation to the credit reporting agency to assist with the investigation and expect a response within the legally mandated 30 days. 

Thank you for addressing this issue promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized anyone to put negative reports on my credit - some cards are on there that I paid cash to open and have balances that are incorrect and should state that those cards were only open using my money and never got an increase so I should not be behind them or owe anyone when it was my money to begin with All negativity on my credit should not be in there and its personal because I should never be in debt to anyone that should be indebted to me as a human and person with the same rights as anyone else
Product: Checking or savings account

On XX/XX/XXXX I placed an order on XXXX. I placed an order for over {$50.00}. My XXXX ( XXXX ) the man who delivered my order had sent me a message requesting that I give him more money after he accepted my order. I did not reply because this is unprofessional and he should not be messaging me about funds in the first place. The XXXX  should NOT have been messaging me things outside of what I had ordered. When I did not reply to my XXXX  XXXX. He then tried offering to sell me a XXXX XXXX gift card. I quickly went to the XXXX chat to ask them to cancel the order as I was not going to accept it after he was texting me about money and trying to sell me things. I did not trust the XXXX  from him after that. They told me they could not cancel it because he already picked it up. When he arrived I did not take the XXXX due to his actions making me believe that he could have done something to it. XXXX refused to refund me and my bank Chime refused my dispute. I did not get what I paid for and I feel harassed by my XXXX  for messaging me about more money. XXXX website states that they have XXXX tolerance for XXXX  harassing someone for more tip.
Product: Credit reporting or other personal consumer reports

I have identified accounts on my report that are a result of identity theft. I have not given Equifax, XXXX, or XXXX written instructions ( 15 USC 1681b a2 ) or approval to disclose ( 15 USC 6802b ) my non-public personal information. Nor have I received notice of disclosure, or option to opt out ( 15 USC 6802b ), prior to the disclosing of my personal information. The following accounts are being reported fraudulently, against my written instructions and against my right to opt out, resulting in identity theft ( 18 USC 1028a ). These 6 ( six ) accounts must be blocked within 4 days pursuant 15 USC 1681c-2 : Acct. XXXXXXXX XXXX XXXX Acct #. XXXX Acct. XXXX XXXX Acct #. XXXX Acct. XXXX XXXX XXXX # XXXX Acct. XXXX XXXX XXXX  Acct #. XXXX Acct. XXXX Acct XXXX. XXXX Acct. XXXX XXXX XXXX XXXX Acct. # XXXX I have attempted to rectify this matter, these agencies still fail to comply with 15 USC 1681 and all aforementioned codes/laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX FI, XXXX, XXXX MORTGAGE, XXXX, XXXX, XXXX XXXX XXXX XXXX FIN, and XXXX  have 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Renasant bank has charged me {$250.00} in over draft fees in less than 30 days. They are reordering my transactions, paying transactions while charging me a {$36.00} fee then returning the transaction and charging me a return fee. This has happened with one transaction twice.
Product: Debt collection

I ahve been trying to resolve this account for over two years now. The company is XXXX XXXX XXXX. I reached out to the company back in XXXX if XXXX  about returning the product and recieving a refund after not being able to contact them about returning the product. I eventually was able to return the product and recieve a full refund back i. XXXX if XXXX. This is were I was sent an email stating that my refund was awarded and the account was to be closed and reported to the debt agency within 30-60 buisness days that the account was resolved. It has been 7 months of me calling trying to get XXXX XXXX to contact Ameriassist to inform them the account is clised and no debt is owed. However XXXX XXXX has been stringing me along for months with no response as to when someone will send over a general release waiver to Ameriassist stating the account has been closed. Ive already spoken with XXXX  XXXX numerous of times for them to tell me time after time someone will return my phone call and no one ever does. Ive writtin a letter to Ameriassist stating the account is closed and to see they they would force XXXX XXXX  to respond to which they havent. It has been 7 months since the account has been in collections and no response from XXXX XXXX XXXX as to when they will send over notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

Synchrony bank keeps doing an ACH directly from my checking account every day for {$2100.00} but my monthly auto pay is only {$100.00}. I don't even owe.more than {$360.00} on the account. They keep telling me it's my banks problem. Someone is using my account number and bank routing number to pay their synchrony/Lowe 's bill. My bank has to stop processing the payment every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not Cornish a account within my written instructions. 
-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -US FM BUS ADMIN ODA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY 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 Balance : {$12000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to TransUnion stating that the unverified item listed remains on my credit report in violation of Federal Law. TransUnion is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their most recent investigation, they again stated in writing that the item is VERIFIED AS ACCURATE? 

As of today, TransUnion has not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA, TransUnion is required to promptly DELETE all information which can not be verified. 

In fact, the original creditor listed has advised that they have no account for me on file. ( A copy of their response letter to me is enclosed ). The original creditor can not verify this account, so there is no way TransUnion properly verified the account. 

I have informed TransUnion that I am prepared to seek any and all legal remedies afforded to me ( including monetary damages ) as provided under the law if this is not removed. They have chosen to not remove the account.
Product: Debt collection

Credit score started dropping. In investing the dropping scores, I found out there was a debt collection from XXXX XXXX ( some kind of loan organization in XXXX XXXX ) for {$650.00}. I got the the information from Bounce AI. I have no knowledge of this company or the charge. I do not owe them anything. I attempted to contact XXXX XXXX via phone call, and they were apparently unavailable.
Product: Bank account or service

Bank of America refuse to offer me the {$1000.00} sign on promotion of my business checking account. 

On XXXX XXXX, XXXX, I opened my business checking account XXXX in their branch located at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The business banker, XXXX XXXX, applied the {$1000.00} promotion ( open business checking plus business credit card ) on my account and applied business credit card for me. XXXX XXXX told me that opening the business checking account and the business credit card account will qualify me for the {$1000.00} promotion. Usually the promotion will show up in my bank account about 5 months. 

I have not got my {$1000.00} promotion till now. Bank of America told me that my promotion was denied because I did not complete the spending requirement of my business credit card. The banker, XXXX XXXX, never told me this requirement. I sent her several emails, ask for explanation. She never reply my email. I went to her branch several times, she avoided to meet me. I got her cell phone number in her branch. I called her several times and left her several voice message. She never get back to me. 

I called the Bank of America Customer Service center for help on XXXX XXXX, XXXX. One supervisor told me the only thing they can do is forward this to the local branch manager. I should get a telephone call from the local branch manager in 2 days for a solution. 2 days later, no one called me. I called the Bank of America Customer Service center for explanation. They told me the local branch manager need 2 more days to handle this. I should get a telephone call in the next 2 days. By till now, I did not get any telephone call yet. 

I am a loyal customer of Bank of America for more than 10 years now. I have several personal accounts and XXXX brokerage accounts with them for many years. I keep more than {$15000.00} in my business checking account and did many transactions. Now they play games with me, refuse to give me the {$1000.00} promotion and I can not get the explanation from the local banker. 

I am very angry and want to file a complaint. 

I want Bank of America offer me the {$1000.00} sign on bonus for my business checking account.
Product: Credit card

I called the credit issuer to request a payment change date and they would not change the date unless I made a payment on the current due date. If I was able to make a payment on that date I would not be requesting to have the date changed. The representative was not pleasant and also not very helpful