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

" Someone and some financial agencies are trying to access my credit data. I am reaching out to kindly request the processing of my opt-out request as soon as possible with Clarity Services XXXX Please prioritize this matter for prompt action. I have tried to email them, at Clarity Services XXXX, a part of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX But I am not getting any response or completion of my request. 
"
Product: Credit card or prepaid card

I signed for this card because of the promotional period for two years, interest free. I understood from the terms that after 24 months if balance is not paid then I would be charged interest. My understanding was, I would be charged interest on what was still owed NOT on back interest that accumulated for the entire 24 months. 

From the beginning of the account, I would pay automatically from my bank the repeated monthly amount. On XXXX, XXXX, my payment was due and it was too late to pay thru bill pay. So I called in to make the payment, the balance due did not sound correct. I waited on XX/XX/XXXX to speak to a live person. Spoke to XXXX, who advised that I was charged {$930.00} of back interest, promotion expired back in XXXX, monthly payment increased so the usual amount that I was paying did not satisfy the payments for XXXX/XXXX/XX/XX/XXXX Therefore, I was charged late fees as well for these months. Thru all of this, I received no statements from Synchrony Bank. Rep confirmed that the statements were returned. With all of this, I received NO communications from Synchrony Bank. They confirmed my correct address. So it is suspicious why if statements were sent why I did not receive them. Rep initially advised nothing she can do and advised that I needed to make a payment of {$170.00} that day in order to bring my account current. An amount that as was more than 3 times my usual monthly payment amount. After advising her that I could not pay that, she finally got approval to waive late fees/some interest charges. Advised that my next payment would be due XX/XX/XXXX. She advised that she was going to report the issue so my account can be further reviewed in regards to the charged accumulated interest and I should hear from the company within a month. Magically, I did receive my first statement for the month of XXXX. 
As of today, XX/XX/XXXX, I have not heard nor received any communication from the bank in regards to my disputes, I called in to find out what was going on. After waiting on the phone for 20 minutes, 1st rep, I spoke to XXXX, advised she saw no notes to that regard. She transferred me to an account manager, who also advised that he saw no notes to that regard. I asked for the recording of the conversation, he said nothing. He then placed me on hold to further review, he advised that there is nothing he can do. He spoke to the highest authority. I requested to speak to that highest authority. I was then transferred to another Account Manager by the name of XXXX who advised that there is nothing that can be done.
Product: Payday loan, title loan, or personal loan

My issue is that I made an overpayment to my personal line of credit in the amount of {$14000.00} ( XXXX XXXX dollars overpaid ) and I am requesting that those funds get transferred to my personal checking account with the same bank and I am being told that the process will take 45 days, this is not acceptable The amount owed on the account was {$10000.00} and I accidentally paid {$24000.00} I am owed {$14000.00}, just to be clear
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC and XXXX  XXXX XXXX continue to allow my credit report to reflect an credit card account from XXXX  XXXX XXXX. This account is fraud due to the fact it was established in 1994 and I was XXXX  at the time. I could not possible co-sign for a credit card at this time. I have attempted to dispute this issue as fraud with Equifax and XXXX  several times but the companies choose to just validate that the account is real. The companies need to conduct a fraud investigation and remove the credit card account from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a late payment that has inaccurately been reported on my credit report. Upon reviewing my credit reports from TransUnion and XXXX, I discovered an erroneous late payment listed in XX/XX/XXXX. The details of the late payment are as follows : Account Number : XXXX Creditor : XXXX XXXX XXXX XXXX Status : Open/Never late Last Updated : XX/XX/XXXX Current Balance : {$450.00} out of {$5000.00} Credit Limit As evidenced by the credit report from XXXX, my payment history with XXXX XXXX XXXX XXXX indicates `` Never Late. '' However, TransUnion and XXXX report an inaccurate late payment for the same period. This discrepancy is concerning as it affects my credit standing negatively despite my consistent adherence to payment terms. 

Under the Fair Credit Reporting Act, 15 U.S. Code 1681a, a consumer report is defined as a communication of information by a consumer reporting agency that bears on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. Importantly, 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ) specifically excludes from the definition of a consumer report any report that contains information solely about transactions or experiences between the consumer and the person making the report. Therefore, reporting information about payments, which are transactions, is prohibited if they are not accurate. 

I maintain that I have never missed a payment with XXXX XXXX XXXX XXXX, and my credit report from XXXX corroborates this fact. Enclosed with this letter are copies of relevant documents, including my Social Security card and driver 's license, to verify my information. 

Therefore, I request that TransUnion and XXXX investigate this matter promptly and correct my credit reports to reflect the accurate payment history for my XXXX XXXX XXXX XXXX account. If proof can not be provided to substantiate the late payment, I demand that it be updated to reflect an accurate and timely payment history. 

Thank you for your immediate attention to this matter. I expect your prompt resolution of this dispute within the timeframe specified by law. 

Sincerely, XXXX XXXX XXXX XXXX Ensure to attach copies of relevant documents mentioned in the letter to support your dispute. This should help in resolving the discrepancy in your credit reports effectively.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$560.00}
Product: Money transfer, virtual currency, or money service

They refused to unlock my account. It still has money on it as of now. Over and over Ive tried to resolve this issue. I spoke with multiple agents, Ive sent documents like they asked and still nothing. This has been going on for at lest XXXX almost XXXX. I can put my password in and it will say unlock but it never unlocked. This caused me to make another account with Cashapp
Product: Checking or savings account

On XX/XX/XXXX, my father, XXXX XXXX passed away. Dad lived in Florida and was a XXXX. He was XXXX years old when he died. 

I was appointed personal representative for the estate ( executor ) and have the responsibility to review all assets, debts, etc. I found that Dad ( and my mother who passed away in XXXX ) were victims of Wells Fargo unethical actions of having opened close to 10 different checking and savings accounts. I have taken steps to close nearly all of them, but Wells Fargo is refusing to close one account with nearly {$5000.00} in it. And even, worse, the bank is draining the account with the imposition of fees. 

I have visited the branch in CT many times and each time I am treated respectfully but told that due to certain policies they can't close the account. They told me the policies which involved me becoming an authorized signer for the business account but when I did what I was requested to do, the bank came up with more policies. I was told that due to the bank 's past unlawfulness, they are under intense federal scrutiny. 

I asked for a detailed list of what was needed and was told the bank couldn't put it in writing. I was told a person would call me and this person never called. I was told that the bank would rather have the money escheated to the state rather than close the account. 

I have presented the death certificates of both parents. I have presented my legal authorization as appointment as personal representative. I have presented the authorization to allow me to close the account -- -- which shouldn't be necessary anyway. 

The bank is wrongfully withholding funds due the XXXX of XXXX XXXX and my complaint is that the account needs to be closed and the money returned to the estate so we can finish the probate process. And ... all fees need to be reimbursed. 

My last request to the bank was on XXXX XXXX and this was a follow up to a XX/XX/XXXX request, which was a followup to many other visits.
Product: Credit reporting 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 items 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 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my Equifax report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XXXX of 2020.
Product: Debt collection

Our XXXX year old XXXX boys were being seen by speech therapist at XXXX XXXX 's hospital in XXXX Ohio. Our healthcare provider ( XXXX XXXX XXXX ) began paying for the treatment for the first 6 months. Suddenly, XXXX XXXX XXXX stopped paying for the speech therapy sessions. We were contacted by the billing department of XXXX XXXX 's Hospital of an outstanding debt. When we contacted XXXX XXXX they claimed that XXXX XXXX XXXX XXXX had never received authorization to provide XXXX to the boys. In addition, XXXX XXXX alleged that the contract with my employer had changed and the boys were no longer covered for XXXX. My employer ( XXXX ) maintains that there was no coding change in the contract between the city and XXXX XXXX. XXXX XXXX 's Hospital claims that authorization was given by XXXX XXXX to treat the boys. At this time we have no idea of who is being forthright. Had we known in advance that the therapy sessions would not be covered, we would have taken a different approach. At this time XXXX XXXX 's hospital has sent our account to collections claiming that we owe over {$2000.00}. Again, XXXX XXXX paid XXXX XXXX 's XXXX for nearly three months while the boys were going to XXXX. If authorization was not give to XXXX 's Hospital than it is my belief that the hospital should have notified us. If a request for authorization was not received by XXXX XXXX then why would they pay close to {$1000.00} in medical expenses. Finally, it would be incumbent upon XXXX XXXX and XXXX XXXX XXXX Hospital ( XXXX ) to notify us that the insurance would not cover the treatment. Especially before it reach the level of thousands of dollars. No one has been able to explain to us how we arrived at this point.
Product: Debt collection

I used to have internet service and a rented modem from XXXX XXXX XXXX. In XXXX of 2020, I moved out of state, and set up service shutoff with XXXX XXXX XXXX and received equipment return instructions over the phone. I followed these instructions ( basically a XXXX  dropoff ) and on XX/XX/2020, I received an email from XXXX XXXX XXXX that acknowledged return of the equipment. In the months following, I began receiving bills and calls from XXXX XXXX XXXX saying my account had a balance as a result of failure to return equipment. Each time, weather they called me, or I called them, I followed up with XXXX XXXX XXXX until their representatives told me that the issue had been resolved, my account had been settled, and I didn't owe anything. Apparently, those reps were lying, because I received a collections letter from Prince Parker and Associates attempting to collect the balance on the account that XXXX XXXX XXXX told me had been fixed. I had another 8 hours of calls with XXXX XXXX XXXX and Prince Parker trying to settle the issue. At no point during any of my calls with Prince Parker did they tell me I had an option to dispute. Both XX/XX/XXXXand Prince Parker have hidden contact information for an alleged department at XX/XX/XXXXthat can handle my issue, although both companies acknowledge that the department exists. Prince Parker refuses to provide adequate documentation of the dispute that I eventually managed to file ( at the suggestion of someone from XXXX, Prince Parker never told me that I could dispute ). They also refuse to address my dispute in a timely manner. Prince Parker also claims they sent out a first letter in XXXX, which I never received. Given that both of these companies seem dishonest and intent on XX/XX/XXXX over their customers, I assume it is because they never actually sent the notice.
Product: Credit card or prepaid card

On XX/XX/2019, I purchased a {$200.00} gift card from Vanilla Visa. It was stolen the same day. I contacted the company to file a claim and complied with their documentation requests. To date, I have received no response or updates to the filing. 

I called today for a status check and was basically told that the information that I filed with the m was " invalid ''. Why, I asked and was informed that it didn't have my name and address. While we were talking, I was looking at copies of the information that I submitted and seeing the very information that they were telling me was missing. It was suggested that I send it in again. If the information was " invalid '' wouldn't they just reject it again? Same answer. I asked for a manager - same answers. I asked for a corporate person and was given a phone number, XXXX XXXX XXXX. I called that number and was told that they didn't handle customer service issues ... I should call back to the previous contact. 

I obviously wasn't getting anywhere so I am taking this step because your office has been of great assistance in the past. Hopefully, you will be again. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I didn't authorize XXXX XXXX to run my credit on XXXX. Neither did I give my permission to XXXX XXXX on XXXX or XXXX on XX/XX/year>. Without my permission given to third-party individuals it is fraudulent behavior. Plus the criminal background that's listed to hinder me. Plus the inaccuracies in XXXX addresses. XXXX XXXX XXXX XXXX  XXXX, XXXX  XXXX And XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I submitted an FTC report also. confirmation code : XXXX.
Product: Debt collection

Portfolio Recovery has been contacting my XXXX year old daughter on her cell phone. I have sent letters to them numerous times and I have also sent them a cease and desist letters in XX/XX/XXXX and also again in XXXX of XXXX. They have turned to contacting my young daughter. They have called her phone on XX/XX/XXXX the number they called from was XXXX. Upon that time I called back the number and advised them not to call my daughter cell phone. They back again XX/XX/XXXX using the number XXXX. The called again XX/XX/XXXX using the number XXXX. And yet they have called back on XX/XX/XXXX using the number XXXX. The constant harrassment has been affecting my daughter to the point I may have to change her number. I know this is illegal for them to contact a third party and I have sent letters to them making mention of this. Porfolio Recovery collection  practices are illegal and unethical. I have also made written them stating that I do not owe this debt.
Product: Credit card or prepaid card

On or about XX/XX/XXXX, My concern is card issuers lack of comparison to the rate being charged to the rate to be charged for new applicants today based on the issuer 's pricing for new accounts. 
Further concerns ; their lack of compassion and consideration in following reasonable polices to give any help due to my Identity Theft crisis in XX/XX/XXXX, whereas my credit score to plummeted from XXXX ( GOOD ) to XXXX, POOR condition, as if overnight. 
The rate increased and arbitrary charges for services without consideration for whether the factors that led the card issuer to increase your interest rate still apply. 
Card issuer proceeded down the path where factors that led to the increase no longer apply and failed to decrease my rate and follow reasonable policies in doing so. 
This behavior deprived me of ability to meet emergency financial needs during Family crisis  at this time. My inability to qualify for access to reasonable lending leads me to predatory lenders which causes the need for me to seek Credit card Debt relief and/or Chapter XXXX Bankruptcy methods.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth attempts to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the erroneous information on my credit record that came about due to an alleged fraud. The following items needs to remove on my file : 1XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Debt collection

Notice to Agent Notice Knowledge U.C.C 1-202 Respectfully, All Rights Reserved Without Prejudice - U.C.C. 1-308 XXXX XXXX I hereby revoke 80 % of security interests withheld from me for all past, present and future certificates of indebtedness & authorize this contracted corporation, per the Electronic Funds Transfer Act, 15 USC 1693 , to transfer said securities into to my Account number : XXXX Routing number:XXXX. 
You may apply 20 % of my security interests in the primary & secondary markets, to trade for the maximum amount of use to meet your short term obligations. Per 12 CFR 1026.13 - Until this billing error is resolved, the following apply : -I need not pay & you may not collect any portion of payment related to this dispute. -You shall not make any adverse report of my credit standing. -Acceleration of debt & restriction of this account is prohibited. -You shall not restrict or close this account solely because I have exercised my rights in good faith provided by this section. -You may be subject to the forfeiture penalty under 15 USC 1666 ( e ) for failure to comply with any of the requirements of this section. -You are to issue a refund of 80 % of the interest generated from my certificates of indebtedness dividend payment treasury coupons- past, present & perpetually and furnish me with all 1099s filed on my account. -Since a debt can not be paid with a debt, my FRNs must be returned. -Per 12 CFR 1026.13 ( c ) ( 1 ) - You shall deliver written acknowledgment to me within 30 days of receiving this billing error notice. I've exercised due process and this is my next attempt at communicating my rights in good faith before reporting to further governing bodies.
Product: Money transfer, virtual currency, or money service

From may of 2022 until present I have asked and provided all the documents cash app has asked for in regards to accounts $ XXXX XXXXXXXX and any other account active under my personal information. They promised reimbursement right away and never did, all I get is the run around every time I call
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 0 4 a section 2 a consumer reporting agency can not furnish an account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an. open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I noticed that my credit score has dropped due to inaccurate reporting. I have attached screenshots of my online equifax credit report and my XXXX card account. The fair credit reporting act law 15 U.S code 1681 states that all consumer reporting companies must provide a account credit report and score. Equifax is not showing the Reporting balance/Available credit that XXXX is reporting. This inaccuracy has lower my credit score.