23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I received a response XXXX XXXX from XXXX XXXX, Senior Specialist at Synchrony Bank concerning the complaint I previously filed with the CFPB. At the time of my business with Synchrony Bank, I did not unknowingly realize I was paying a debt with a debt note ; neither did anyone at Synchrony inform me which is expected. Synchrony Bank never credited my account via the Electronic Funds Transfer Act from the dividend payment made from my treasury coupon. Yet, had the audacity to charge off my paid account ( which was consistently gaining profit using my application to trade on the secondary market ) and insist that they took a loss. This is a clear violation of securities fraud. Furthermore, creditors are not allowed to collect discharged debts. I have proof from multiple voicemails your company has left on my cellular device day in and day out. 

15USC1666d Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obigor, the creditor shall- A. Credit the amount of the credit balance to the consumer 's account ; B. Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than 6 months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. 

Second violation : Mail Fraud [ 18USC1341 ] Securities are to be sent in registered form ONLY which is on your 8k/10k form that you publicly filed and agreed to abide by with the Securities and Exchange Commission XXXX
Product: Credit card or prepaid card

On XX/XX/22 I received my statement from Capital One. Their was a charge of XXXX dollars for a late fee on there. I called Capital One and spoke with a representative that was not rude she was just XXXX. I explained that I had this fee and she responded with what do you want Capital One to do about it. I advised that I was hoping for the fee to be waived due to the following : -I always pay my bill on time -I have not received any late fee reversals -It was a miss that I paid on the wrong card She said she would check and that the " system '' told her that the fee could not be waived. I asked her had I ever been late or requested a fee refunded before, and she took a few minutes to check and advised that no she did not show that it had. However, the " system '' told her that she could not waive the fee. I asked to speak to a manager, and the manager was unwavering. I explained further to her that I had paid the credit card off prior to billing close date ; furthermore, I expressed to her that I have been a really good customer. She advised that the research was done by the prior agent and that there was nothing to be done. I explained to her that the agent advised only that the system told her so their was no independent decision that was made.

I have two issues with this, with the first being that if I had mailed the payment on or prior to the due date I would not have been charged because 25 day due date is to allow for mailing a payment in so as long as its received by the close date there should not be a fee. Capital One received my payment on the day the billing cycle closed.

The second issue with this is somewhat more devious. What algorithm is used to determine what fees for customers are credited or not credited. Then the question is what data is used for this, is used to make this decision is it race, age, geographical region, political, consumer credit, or religion. Then the question comes into play how often is the " system '' tested or calibrated, and by whom is it calibrated by. 
The issue with this is more than what I am assuming the company is going to say that the " system '' actually ensure no bias behavior, but then one could question who programs or test the " system '' and how do we know that just like the banking industry in the XXXX used discriminatory practices to shape where people lived based on housing algorithms. 

The professionalism with both representatives of the company were of concern.
Product: Credit reporting or other personal consumer reports

This account was open fraudulently. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX I am reporting a fraudulent inquiries found in my credit report
Product: Checking or savings account

When I have an over draft I get the normal overdraft fee but then everyday behind that I get everything bouncing on top of bouncing all my checks bounce over and over again every week when I clearly tell then when I will be in to cover the check that bounced.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX  Account number : XXXX Account Name : XXXX XXXX  Account number XXXX Federal - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Vehicle loan or lease

Kia Motors Finance. Request loan payoff early. They only apply payments made and are refusal to me to correct error that it would be pro rated interest removed. I contacted and refusal to correct. Business seems aggressive and against citizens in how they look at it. I am not liable to pay in full the whole balance as will not be in possession of vehicle for full loan terms and they must deduct interest that would be paid and any other insurance but refused.
Product: Credit reporting or other personal consumer reports

I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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

After calling in to dispute something on my Equifax credit report, I landed with the rudest and most incompetent customer service rep. After he hung up on me, my account email address was changed twice without my permission. I emailed support multiple times and received no reply. Now I am unable to log into the website. I have opened two complaints with the XXXX, no response. The agent was upset that I got upset because he was so rude and lazy and incompetent, that he somehow got the company to retaliate against me. I am unable to do anything in the system. I have not tried to call yet, but I don't expect it to be any better, most of their agents barely speak XXXX! Email should be the XXXX XXXX, not the one on this complaint.
Product: Credit card

Hi i am XXXX XXXX, i applied for a credit card at state Farm and the card was send to me and ship back to state farm cause i have moved, so since then i have been calling state farm and send the faxes and even mailed them documentations for proof of addres but the still have not correct the address and send me the card, but they already charged me XXXX $ for mantanace fee and report it to the credit bureau afecting my credit negatively, i already pay the amout but it still refleck on XXXX like credit card utilization, i dont know what else to do and i need help please.
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. '' XXXX and Experian are consumer reporting agencies, and I am the Consumer. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person making the report which in this case is XXXX XXXX. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX  ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( Experian, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX can not collect on a XXXX debt ( charged off ). Per IRS Publication XXXX ( XXXX ) under 1. Canceled Debts, a charge off is considered a certificate of indebtedness which is considered income. The IRS Clearly defines a charge off as Gross or Ordinary income. Income can not be reported on a consumer report. The reporting of this account as a debt is inaccurate & a violation of the Privacy Act of XXXX. I never received a 1099-C from XXXX XXXX  for the cancellation of debt in order to file as ordinary income. Per 15 U.S. Code 1681a -Definitions ; rules of construction ; The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. ( 2 ) Exclusions- ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This account ( XXXX ) has been reporting to my consumer report since XXXX of XXXX. Per 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 and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX and XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.
Product: Money transfer, virtual currency, or money service

My bank in XXXX transferred money to Bank of New York. 
I am having problems with bank of New York to get the payment.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX  of debt XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX bal. {$1100.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copy of my credit report and noticed fraudulent accounts. this is stopping my from obtaining credit.
Product: Checking or savings account

I deposit at a friend 's check into my account and they're giving me multiple excuse why they won't cash a check and the check is a good check and they're giving me the runaround and and am I supposed to be getting dividends paid for me every month which I complained about it and they didn't fix it and I think they're being on Fair with my money and the amount and I asked for an account audit of it and and they refuse to do that but the main reason writing this complaint is for the check that is good and they're refusing to cash it and they're giving me a different excuses for why they won't cash this check that is good
Product: Credit reporting or other personal consumer reports

I am filing this complaint in regards to the information you have furnished on my consumer report as of XX/XX/year>. You responded on XX/XX/year> to my initial request for an investigation stating that the information had been verified. Thats impossible because I have never entered into a consumer contract with any of these data furnishers. I noticed that you have violated federal law 15 USC 1681a ( 2 ) ( b ). Your negligence has prevented me the right to extend credit and as a result, I have been a victim of discrimination. See attachments for proof. As a consumer reporting agency you are required to evaluate the information you furnish about me before adding the information to my consumer report. Your agency is now put on official notice of these violations, which makes you liable. Furthermore, according to 15 USC 1681 ( a ) ( 2 ) A detailed mechanism must be created to perform an investigation determining the credit worthiness, credit standing, credit capacity, character and my overall reputation.You have directly reported information that has resulted in my defamation of character. The deceptive information you furnished has led to creditors and employers believing that I am in debt, even though you have failed to provide adequate proof. I have documented evidence based on the fact that they are violating 15 USC 1692j ( a ) Your company has caused extreme financial and emotional hardship for me and my family. According to 15 USC 1681 ( o ) you are liable therefore I am granting your company the chance to rectify this matter by doing the following. 

The immediate deletion of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I opened my BECU visa account and found charges made to my visa account by XXXX XXXX XXXX in the amounts of {$21.00}, {$30.00}, {$25.00}, {$25.00}. I did not make these charges, these were made on XX/XX/XXXX. It did not say what the items were, my bank listed them as pending. 
The website with this phone number says it is a Bank Fraud and has been reported to the FCC. 
I want these charges removed from my BECU bank account. I noticed this has been going on since XX/XX/XXXX and it is still happening.. 
I also have problems connecting with DO NOT CALL REGISTRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt has been forgiven and I have received a 1099 form for it however it is still reporting as a derogatory account on my credit report.
Product: Credit reporting or other personal consumer reports

Marcus Goldman is who my loan was provided by. They are using an affiliate XXXX. XXXX erroneously reported to the credit bureaus. This is the second time that this company has done this. They informed me that it was a system error the first time. I contacted them in XXXX as on my account page it was stating that I was late and I wasn't. They stated that it would be corrected. It was not. I expressed my concern because of what happened the first time and they assured me that it would not negatively report and they would fix the problem. I received notification today that my score dropped XXXX points. I called the company and was given the same info that it would be fixed but i need to call back on Monday. The last time it was only fixed because I had to file a dispute with the credit bureaus and my score never went back to what it was even after the dispute was finalized. This company has caused me unnecessary stress and XXXX. Times are very difficult and I am working diligently to maintain my bills and my credit worthiness. Their actions not only effect my score but my relationship with other companies. They need to be held accountable as they act as if they do not care that they are causing these unwarranted disruptions to my life.
Product: Debt collection

I had an routine XXXX XXXX  with my former XXXX insurance. ( XXXX XXXX ) last year on XX/XX/XXXX in a XXXX XXXX at XXXX XXXX  ca. XXXX originally bill XXXX XXXX XXXX my former primary insuranceXXXX XXXX XXXX  paid only an amount for the XXXX ; however, I swowed proof of my XXXX XXXX   insurance when I had the test.

I went to XXXX offices to speak to a representan and told me they would bill XXXX XXXX  again for the payment. XXXX XXXX said that they paid the benefits and I should only worry about the copayment of XXXXdls I was sent to collection by XXXX XXXX because of that issue on the month of XX/XX/XXXX. I called both XXXX  and XXXX XXXX to fix this misunderstanding and both of they blame each other for this payment.

OnXX/XX/XXXX I had to pay XXXX dls to FINANCIAL CREDIT network to get out of collections. I called both XXXX and XXXX  again to request for a disbursement and they kept blaming each other about it. XXXX XXXX  says they paid the service on XX/XX/XXXX, XXXX denied it. On the meanwhile I was sent to collection and pay XXXX to get my credit as it was before.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Balance Owed : {$45.00} XXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Vehicle loan or lease

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681section 604 A section 2 : It also states a consumer reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A credit 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

FRCA Violation credit line XXXX XXXX XXXX XXXX XXXX FRCA Violation collection XXXX XXXX XXXX XXXX XXXX FRCA Violation address and names XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX