23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I checked my mobile banking app and saw a fraudulent ACH payment to a credit card I do not own, in the amount of {$4200.00}. I was not sent any text alerts or email alerts like I have been in the past. I immediately called the fraud department regarding this unapproved transaction. After over an hour and multiple transfers, an agent said she could not initiate a claim or stop payment as the ACH was processing and that Id have to call back the next day once the charge posted. I called in today, XX/XX/XXXX, and after 2 hours, multiple transfers, and denials to requests to speak with a supervisor, I have no resolution or case number. Ive been told it will take up to 10 business days to review and investigate, which is unacceptable since I have no access to my money during this time. 

Bank of America is failing to uphold safeguards and is allowing fraud to run rampant. They fail to take accountability and provide basic consumer protections to prevent large amounts of money from being illegally accessed and stolen, and thus, are complicit in the fraud. When this unique, first time transaction was noticed on my account ledger, it was not paused, stopped, or canceled in spite of immediate requests by me. I was not provided any alerts or timely resolution.
Product: Credit reporting or other personal consumer reports

XXXX, Experian and XXXX refuse to update inaccuracies unless reported by the creditor. Incorrect non-matching data is being calculated into my credit score, which burdens me with higher interest rates. 

Please immediately correct/remove incorrect non-matching last reported incorrect non-matching comments incorrect non-matching last active incorrect non-matching date of last payment
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern, I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with Pay Pal ( SYNCB/PPC ) for many years. During our business association, starting in XXXX of XXXX, I have honored and respected my account agreement to the fullest and appreciate your outstanding service. 

Unfortunately, in XXXX of XXXX, I had fraud on my card tied to pay this monthly payment for my Pay Pal account. As a result, my payment was delayed. Because your account with me is important to me, I managed to catch up on the late fee. I ensured your company suffered no loss. Since opening my account with Pay Pal 6 years and 9 months ago, I have been current on all payments, except one, due to fraud, causing my credit card that pays this balance to close. Again, that is a 99 % payment rate for roughly seven years.

I am thankful and appreciative for the years of positive credit history that I have obtained through your company, but now this one single payment late mark on my credit score is causing me tremendous stress. I just had a baby XXXX XXXX XXXX, and my husband and I are trying to settle down and build our home. Unfortunately, this process has been delayed with our Mortgage lender due to this missed payment. 
This is where my " Goodwill Request '' comes in. I desperately need this to be removed from my credit so my credit will reflect my true genuine payment history allowing my husband and I to get the mortgage necessary to build our home for our family. I would greatly appreciate it if your company would comply with the UDF Universal data Form and Fax it to the credit Bureaus to remove this late charge entirely. The credit bureaus have advised me that they will report anything instructed by you but then need to have those instructions in writing. 

I would also like to ensure my privacy is protected. In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states ; I have the right to privacy 15 USC 1681 section 604 A section 2 also states a consumer reporting agency cannon furnish an account without my written instructions. Under 15 USC 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. 
Again, I would be grateful if this late payment reported to my credit in XXXX XXXX XXXX  could be removed along with a notification sent to the Credit Bureaus of removal. Again, I thank you very much for your time and consideration. Please contact me if more info is needed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was on XXXX XXXX orders and did a military deferral of my payments. During that time someone in the company coded the deferral as a covid deferral meaning at the end they expected me to pay back those months or refinance my mortgage. I fought and told them it was for the military. They asked me to submit paperwork which I did, and then they asked me to fill out their deferral paperwork showing my paystubs and other information. I sent them all the required documents multiple times. After every time I send the documents, they wait until the documents " expire '' then call me saying they haven't received them, or they finally found them but the dates are wrong. It's been two years of fighting with this company who has been bought out by servbank. I am selling the house and looking to buy another but servebank is reporting my payments 90 days late, even though I've been making my payments on time every month since the deferral expired two years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XXXX XXXX, 2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX. The Credit Bureaus are required by federal law to respond within the statutory time limit, but they have yet to do so. Failure to comply with the request should result in the immediate deletion of the items in question
Product: Debt collection

I receive 5-6 calls from Synchrony Bank each day from a variety of numbers. In XXXX of 2021, I asked them one last time to please send me a written statement of debt to validate the charges, I was told that they can not provide that upon request and they are sent out periodically, but not to charged off accounts. I explained that until I receive a written statement of debt to assess the validity, I do not want to be contacted via telephone. They instead began ramping up phone calls, reaching out to my previous employer, as well as my current employer ( this information was never provided to them ) as well as friends and family. They are harassing people who have nothing to do with this debt. I am not even sure I have anything to do with this debt because I have not received any statements of the debt they are attempting to collect.
Product: Credit card or prepaid card

Thank u cfpb for ur excellent work without cfpb financial institution will XXXX off the consumers and sadly and disgustingly this administration is doing only that which is allowing the financial industry to go back to cheating and XXXX off government and tax payers for their benefit please dont allow XXXX to distroy what president obama and XXXX XXXX did. 


Now my issues in a month of XXXX and XXXX I made purchase and return and some extra return so those extra returns should offset the remaining balance I have all of my recept and it doesnt make any sense why I still have a balance of {$26.00} I tryed the customer service but as usual the way they calculate is only to their benefit and i have to pay this so when I disagree they keep repeat what is in the statement so the represanative wasnt willing to listen to me kept cutting me off and just repeat the statements so I wasnt getting anything from her I hung up.
Product: Credit reporting or other personal consumer reports

A few months ago I noticed a discrepancy between my actual student loan balance with Mohela vs what was being reflected on my credit report. A difference of over {$32000.00}. Ive tried, since XXXX, to resolve this through the companies involved. Ive spent no less then XXXX hours on the phone with Mohela, who have assured me they are reporting the correct balance, and I have also filed a dispute with XXXX who recently notified me that they have resolved the dispute with absolutely no changes to my account. I am unable to reach an actual human at XXXX- no phone support options available to speak with anyone. 
XX/XX/XXXX : called Mohela waited over an hour to be connected to a rep. They opened a case, gave me a case number XXXX, and told me to check back in 30 days. 
XX/XX/XXXX : called Mohela waited over an hour to be connected - supposedly to a XXXX XXXXXXXX XXXX person. Even though I had already provided all details I was still told to forward everything via email to their Death Certification department! What? Really? I was informed they have no email address specifically for these credit issues? 
XX/XX/XXXX : waited almost 2 hours to be connected to a human. This time I was told it would be expedited case # XXXX and to check my credit report the first week of XXXX. In the interim- on XX/XX/XXXX - I submitted a dispute with XXXX, I was notified that it was settled and they are essentially referring me back to Mohela. THIS is unacceptable and in NO way fair credit reporting. This is not {$32.00} - this a huge difference in my credit : debt ratio and is impacting many facets of my life & financial well being. I am asking for help in this matter. I have done everything I can possibly do to help resolve this issue - to no avail.
Product: Vehicle loan or lease

We have on and off received phone calls for {$600.00} owed on a {$18000.00} loan for a vehicle. We tried for a week when trading the car in to get it added into our new loan and the company would n't call us back or the dealership so we could n't secure financing so the deal fell through. The amount is for late fees and excess charges. The creditors are rude call sometimes 4 times in a row over and over again. I spoke with XXXX XXXX XXXX about settling and he agreed on {$450.00} we could make in 2 payments in XXXX and XXXX when he called and emailed over and over I told him that in one week we could make the first payment. He said " I 'm not doing this anymore I can take the car or garnish your tax refund ''. The car has been reported to our credit bureau as charged off already and the company is now trying to garnish our work wages as well as our income taxes. We do not know where to go for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX  on several occasions. There are several fraudulent accounts in my name from this company. XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX  XXXX. I spoke to a representative several months back and told them these are not my accounts and neither myself or my spouse open these accounts. They have removed one of the accounts stating after there investigation this was not mine. They did not address or remove the other accounts. I told them I would press charges and fully cooperate if necessary. My wife and I received harassing phone call daily. Not only is this stressful but aggravating. They have reach to other family members to get in contact with me. These are not my accounts and want the harassment to stop.
Product: Credit card or prepaid card

Good Afternoon Capital One Executive Office ; Listen, I'm going to try this again! This is in regard to an alleged " AUTHORIZED USER '' account that keeps reporting on my credit report which I never gave anyone my personal consent to be added. This is definitely a breach of my privacy and I'm not quite sure that happens. There is a credit card from your company added on my credit report that says that I'm an authorized user and the balance is {$260.00}. To make it clear, I did not authorize anyone to add me and I would like to get this resolved. I was just sitting down with my personal financial advisor and he mentioned that I'm still on this account, and I'm asking AGAIN, that you please remove and delete this account from my credit profile and remove any responsibility.
Product: Debt collection

National Recovery Agency ( XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX ( XXXX ) has repeatedly contacted me for a debt that is not mine, i have requested by phone and by written letter to prove that this is my obligation. The company refuses to acknowledge that i am the owner of the debt and have yet to bear any information to the case. I have requested more than once to cease communications and have sent a Cease and desist letter as well. I Still am contacted daily either through calls or texts.
Product: Checking or savings account

I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX  of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.
Product: Debt collection

I 've never made business with LTD Financial Services and do not know what they want.
Product: Payday loan, title loan, or personal loan

I had a XXXX XXXX XXXX XXXX XXXX. I got a title loan in XXXX and one main financial has loaned me through the past years up to XXXX dollars.the last rework of the loan was XXXX in XXXX. I asked how can you loan that much if the car isn't worth that much. I was told at that time that it was. Here 's my problem. On XXXX XXXX.of XXXX I was in an accident that totaled my car. My insurance pd XXXX for the car as I was not at fault. This being XXXX of XXXX one main financial will not rework the loan, although the insurance check went straight to them and they sent the title to my insurance company. I spoke to XXXX at one main financial in XXXX, nc on Friday XX/XX/XXXX. I was told I would have to make 6 regular payments before they could rework it. I have a different car now and have a XXXX dollar monthly payment. I am XXXX retired widow on XXXX raising my granddaughter since her birth in XXXX. I have a mortgage payment of XXXX on my house monthly. Because I adopted my granddaughter, she gets XXXX a month off my husband since his death in XXXX. I have utilities to pay, cell phone, internet service, and groceries and clothes and whatever she needs. I can't get any help with XXXX XXXX XXXX because I adopted her. My point being. I can not come up with an extra XXXX to repay one main financial for even 6 monthes. They denied my request to rework the remainder of my loan to a smaller payment. What happens. They have no collateral and i don't have any extra money. What can I do?
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX keeps updating old accounts to present time with a balance when in fact, it was closed and charged off approximately 5 years ago in 2018.
Product: Credit card

I always pay on time ; I am sure of this. However, what I am not sure about is why this company is reporting me as late in certain months, which should not occur. According to USC 1666b, any billing error should be corrected ; otherwise, they will owe me {$1000.00} for each account reporting inaccurately.
Product: Debt collection

I checked my most recent credit report on XX/XX/19. I noticed a collection from ARS resolution for XXXX and XXXX $ that does not belong to me. This account is from Ohio i moved from ohio 8  years ago and i have free health insurance from the government i have provided proof below. This company never once sent me a letter letting me know my right under the fair credit reporting act to dispute, that is a violation of the debt collection act. I will not pay this account if i am not provided an original contract bearing my signature not a bill those are easily made. They have been reporting this false information on my credit report. I called the original creditor that is listed on my credit report they dont even have an original contract so how can this company collect on this debt with no contract. They are just trying to get money from me.
Product: Bank account or service

I made a purchased using my rushcard debit card on XXXX yesterday XX/XX/2016 for the amount of {$500.00} which was canceled the same day. XXXX assured me and also provided proof that my transaction was canceled and I was not charged. I received a txt alert from Rush card that the amount has been withdrawn. When I called Rushcard customer service & also spoke to a supervisor they have my $ on hold and waiting on authorization from the bank. I have been given the run around and each agent says a different story. I have provided Rushcard with the email that was sent to me by XXXX stating that the charged was cancelled. Rushcard is hold my money for up to 10 days even though they have proof.
Product: Bank account or service

I signed up for a Citi checking bank account. 
There was a promotional offer advertised on their website. I fulfilled my obligations and met the requirements for me to earn the { {$400.00} } bonus. I waited the required time frame of XXXX days and Citi has failed to honor the bonus offer. 
My request is for Citi Bank to honor the bonus by paying me my { {$400.00} }
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and I have fraudulent account, XXXX XXXX XXXX with the account number XXXX opened on XX/XX/year>.
Product: Payday loan, title loan, personal loan, or advance loan

During the month of XX/XX/2023, I received numerous phone calls from Rocket ( Rock ) loans about being late on payments. I explained a few times to the caller that I don't have any loans with Rocket and to stop the calls. They assured me I did have a loan and the calls persisted which I just ignored. Shortly thereafter I was notified my credit score had dropped like a rock which I pursued and discovered Rocket had indeed issued me a loan, unknown to me, because quite simply, I'd never applied for one, didn't need one and never got any kind of loan document to review or sign. Called Rocket and was told to submit an Identity Theft Form and a police report by mail to XXXX XXXX XXXX XXXX XXXX XXXX. This information was mailed XX/XX/2023. 
To date, I've not had any response from Rocket whatsoever. Not even a note they're investigating the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Consumer Loan

The payment on the account for the month of XXXX 2016 was received by the creditor 17 days late and they are reporting it as a 30 day late on my credit reports and they refuse to correct it.
Product: Payday loan, title loan, or personal loan

I applied for a XXXX I applied for a XXXX loan I was denied because of my credit report
Product: Credit reporting or other personal consumer reports

This account Is identity theft. I have filled out all paperwork with state federal government and this needs to come off my credit report or I will be following charges against your company.You have 30 days from receipt of letter. 

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

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXXXXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must get rid of the listed account from my file. 

XXXX XXXX XXXX