23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is listed on my consumer report as a charge off, date opened XX/XX/XXXX. I contacted Equifax, XXXX, & XXXX  on XX/XX/XXXX requesting physical verification in accordance with the Fair Credit Reporting Act. All ( 3 ) credit bureaus responded by updating this account as " verified. '' No evidence to back the claim. I contacted the bureaus againrequesting a copy of the signed agreement between myself and XXXX pursuant to the Fair Debt Collection Practices Act. They all responded by updating the account status again to " verified. '' Not only is this account inaccurate and negatively impacting my finances but it is also OUTDATED. This account has been towering over my credit report for the last 9 years. XXXX  reports my first date of delinquency as XX/XX/XXXX -- false, please provide a receipt for XX/XX/XXXX 's payment if this claim is to be true. XXXX  and Equifax have no payment history, so how are they calculating the first date of delinquency? How do they know when this item should be removed? They do not know and do not care, which is why this account has been sitting on my credit report since XX/XX/XXXX. Generally speaking, accounts are several months past due before being sent to collections. Even if XXXX  &  Equifax were to " estimate '' a date of delinquency it would still place us in XXXX and it is now XXXX. This account needs to be removed immediately.
Product: Debt collection

Ive contacted all three credit bureaus & Portfolio RC to advised this debt isnt mines. Ive asked for the original agreement of the debt. Ive asked for this debt to be removed from all three credit bureaus ; Ive also asked for all calls to be stopped. As of today, the company hasnt removed this debt from all three credit reporting agencies.
Product: Consumer Loan

Well my husband and I are with Huntington Bank for our car loan for a XXXX Honda fit. 
In XX/XX/XXXX I asked to have it moved to the beginning of the and after a while I was finding out that it was going to be late because we could not pay until the end. Well they refused and we kept getting late fee after later fee. 
Well in XX/XX/XXXX I made the last XXXX payments to catch up and then with the last payment I also paid XXXX for a skip a payment and to which they charged us XXXX late fees. 

My husband and I are disgusted. We have had this car and feels like we are getting nowhere.
Product: Credit card

XX/XX/2023 I accepted a credit card payment from a customer for my small business ( XXXX XXXX XXXX XXXX ). Chase bank and its merchant processing company XXXX XXXX failed to process the money to my account. After months of emails, phone calls... The issue is still not resolved. Since that time I have closed my account with chase and made other arrangements with my customer to receive payment and provide services. The customer has disputed the charge on the credit card and I did not request Chase / XXXX XXXX to challenge the chargeback. Chase / XXXX XXXX have continued to harass myself and the customer. They have taken actions stating they are working on my behalf when I have notified them I did not authorize any actions and that I have closed my account with them. They are now holding this money XXXX between myself and the customer.
Product: Credit reporting 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. 

Account Name : XXXX Account NumberXXXX  Account Name XXXX XXXX XXXX Account NumberXXXX  has violated my rights. Or a list of inquiries : 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: Money transfer, virtual currency, or money service

XXXX fraudulently cashed a {$290.00} money order I obtained from Chase in XXXX XXXX XXXX  in a previous response has admitted they cashed the money order wrongly and states they sent a check for the {$290.00} to Chase on XX/XX/XXXX, XXXX they sent it to the wrong address, when it should have been mailed to:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Chase knows this because XXXX XXXX, the branch president, informed me of this 2 weeks ago. Yet they have not reimbursed me for the {$290.00}. I was told by a bank representative from Chase that this would be resolved and I still have not received my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested a Debt Collection Letter from this Credit Reporting Agency concerning a collection on my credit report. The company name is : The XXXX XXXX XXXX, The address is:XXXXXXXX XXXX XXXX XXXX, XXXX, SC XXXX The phone number heis : ( XXXX ) XXXX The account number is : XXXX. I repeat, I reques a Debt Collection Letter from this company for the above account as require in the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was checking my bank account, and I noticed an extra account with my other accounts. It was a mortgage account. My husband and I do not have a mortgage or a house, we live with our inlaws, in Georgia, The owner of the house in question lives in XXXX XXXX, TX. I called Chase Bank, they said the would take care of it. I later called XXXX and locked my credit account. But seven months later it's still there. I talked to them on Saturday, in person, and they told me to call on Monday to the mortgage department. I called on the XX/XX/XXXX, and a male Chase representative said he had around one hundred pieces of paper to look through to see if he can see the social of the true owner of the mortgage, and he will fix it and call me back before XXXX XXXX. He did not. 

I am tired of Chase sending me bills month after month, asking for payment of a mortgage I don't have.
Product: Checking or savings account

This company has let me down so bad this is 90 days of XXXX when I notify the bank before transfer went through on the XXXX and they send me a letter on the XXXX acknowledging that the XXXX transfer did not go through yet and they gave me my XXXX back then later on. They totally give the theirs XXXX hundredand charge me for it please help I did all the necessary steps to prevent it from happening. Please help now they got my account overdrawn XXXX dollars thats not my fault.
Product: Credit card or prepaid card

Hi CFPB I was a victim of indentity theft. My discovery Mastercard card information was comprised and used for the purchase of XXXX I called them when my phone and card were lost and used for fraudulent transactions without my awareness and I was credited the amount and then recharge my account after some investigation that was never provided to me and is an outrageous charge for a supposed membership
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$12000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

THERE IS WRONG PERSONAL INFORMATION ON MY REPORT THAT NEEDS TO BE DELETED AND UPDATE SEE LETTER ENCLOSED
Product: Checking or savings account

Synchrony Bank would not honor my request to close a 9-month CD I had opened on XX/XX/XXXX for {$50000.00}. I notified them in XXXX, XXXX that I wished to close the account at maturity both verbally and in writing. They refused to take my direction citing that I had to " call '' at the time of maturity ( XX/XX/XXXX ) to request the cancelation. I was traveling and away for XXXX during this period and was unable to call. My CD was automatically " slammed '' renewed for an additional 9 months despite my previous directions. I was never notified in email or letter that the renewal was upcoming. When I finally got a letter dated XX/XX/XXXX notifying me that my CD had been renewed, I called to get that transaction reversed and was told I could not without paying a {$500.00} penalty. I was also told I had received both email and mail communication that the CD was about to renew, but I never received any such communications. 

This is a predatory practice by Synchrony designed to make it difficult for customers to remove their funds from the bank. They give banking customers the ability to fund a CD online ( they are an online banker ) but no option to cancel the same product online. 

Finally, I attempted to notify them again of my direction to close the account when it comes up for renewal again on XX/XX/XXXX. They refused in multiple communications to accept my direction. I find this outrageous and need help getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  credit card account # XXXX XXXX XXXX XXXX not only has the wrong information ( payments, amounts owed, and total balance ) posted on all three credit bureaus, but I paid this account off. My agreement with XXXX XXXX  was to pay them the agreed amount and they would remove this negative information from my account. However, this account remains on all three of my credit bureaus. I called XXXX XXXX  today and they totally agreed with me ( XXXX Option # XXXX ) but said they can not remove the account in that department. The credit bureaus are unwilling to remove the account because they are incompetent. Please help me remove this very old credit card account that has been paid off and contains false information. 

I'm attaching an example of this account via credit report to help you analyze the problem.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 FOURSIGHT CAPITAL LLC checked my credit for unknown reasons.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two items on my Experian credit report that are entirely incorrect and need to be removed. I have disputed these two items MULTIPLE times and have provided documentation as solid proof that these items should NOT be on my credit report. The first one is from XXXX XXXX, claiming that I owe {$2700.00} from XXXX. I DO NOT owe XXXX XXXX a single dime. I had opened an account with them in early XXXX, but ended up CLOSING the account THE VERY NEXT DAY due to a complete lack of cell coverage in my area and I immediately went back to my previous carrier. I had problems with XXXX continuing to bill me after I closed the account, but I dealt with their executive relations office, who wiped out the balance and assured me that the account was closed, that the balance owed was ZERO, and that there would not be any future bills. However, about months later, they hit my credit report with this entirely false, slanderous information. I have attached a copy of this email from XXXX 's executive relations that clearly proves that I DO NOT owe this balance and that this credit reporting is blatantly FALSE. 

The second item is from XXXX XXXX XXXX. This was from an auto loan that belonged to my LATE HUSBAND, and had NOTHING to do with me. My name was NOT on this account. My husband passed away on XX/XX/XXXX, and I have uploaded a copy of his death certificate. This item needs to be immediately deleted from my Experian report as it is NOT my account and I have no idea how it ended up on MY credit report. 

I now can not even file any disputes on either the Experian website or mobile app. I receive an error message every single time I try, and I've been trying for the past two weeks. If these twXXXX inaccurate items are immediately deleted from my Experian credit report, I will have no choice but to take legal action in a court of law and seek monetary damages against Experian for false credit reporting and slander of my consumer credit file. See attached documents with this complaint.
Product: Checking or savings account

I had an XXXX XXXX XXXX XXXX XXXX Account and it was acquired by Capital One and turned into a 360 Savings account. The XXXX Savings started off as high yield but over time I eventually realized the interest rate was very low and discovered that Capital One had a different account, a 360 Performance Savings which is is their High Yield account and the comparable product that I initially had with XXXX. I feel that I was deceived by Capital One and they misled me with the performance of my account. If the Performance Savings account existed when Capital One acquired XXXX, my funds should have been moved into that account with a comparable yield.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. You did not proofread the report and did not make sure it was 100 % correct. Here are the details : XXXXXXXX XXXX XXXX  / {$0.00} / XX/XX/2021
Product: Credit card or prepaid card

We have a XXXX XXXX account that is open between XXXX and TD Bank. There is an ongoing problem between the two companies since at least 2018 looking at reviews online. After a few months of non use the td account will close, not normally huge deal however there is no way for XXXX to see the account is closed. We requested the account open again with TD bank but they can only open a new account. XXXX however can not see a new account because their system is not set up to unlink a credit account. XXXX and TD advised the only way for this to work is to close my XXXX account which has all my stored data and create the account again and that should re link the accounts. After doing that is just created a brand new TD Bank account so now we have one TD account we can't use and a brand new account that is linked with our XXXX account. I'm shocked that XXXX and TD Bank are just opening lines of credit for people that they can not use.
Product: Mortgage

On XX/XX/XXXX, I inquired about XXXX with XXXX XXXX XXXX XX/XX/XXXX AAG received the property title report with a lien on my property. I had no idea about this and my townhome is payed off. The person I was dealing with had left the company. No one for a while had contacted me. Then someone called me and asked if i still wanted to do the HECM. I said of course. I went through the leg work already. All of a sudden, the notary person came to my house and rushed me through all the tons of documents. Yes i signed them and got covid after that so did not double check everything within the 3 day period. They gave me the equity of XXXX. Then i find out they payed XXXX to macintosh law firm for the medical lien on my property. NOT one person discussed that with me and also the remaining equity went to a set aside XXXX. Also no one discussed that to me. The reason I got the XXXX  was to have help with retirement. I disputed the medical Judgement with AAG. A month later I got a letter saying I do not have a case. I also asked them to look at recordings from before on the fact that not one person discussed the medical judgement or the set aside.I would have never done the XXXX if I knew this. AAG said that recorded calls are unavailable.. They now have control of my property and they took my equity. I have nothing. How on earth can they even allow me to get a XXXX loan knowing I had a lien
Product: Credit card or prepaid card

Sir, Discover Card closed my account because of non activity since XX/XX/2020. Coincidentally these were the COVID times where we are not venturing out much. 
My limit from XXXX $ goes to XXXX and account is closed unilaterally without any notice. 
I had a 20 years of building of this credit limit by purchases, balance transfers and timely payment and now I am advised to open a new credit card with a default few hundreds of dollars limit. 
I had plans to transfer my funds from other card on to this discover card and I was right timing that for this XXXX when they suddenly closed this account. 
This has my longest credit history built on getting erased, has increased my credit utilization and a new card will have much much less limit and opening will average down my credit history. This all will drastically bring down my credit score. 

Discover at no stage gave me a call explaining this and just closed the card. 
I have given about six calls to XXXX XXXX XXXX only to get one rude response after the other. 

My credit scores were rising all these days and has been GOOD, XXXX per XXXX 

This is unilateral and not a humane thing to do when people need all kinds of support in these Covid days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 I received a letter from XXXX XXXX stating that my mortgage had been sold to them from Cardinal Financial and that I would be receiving a package stating where to pay my XXXX payment. I never received anything from them in XXXX and on XX/XX/XXXX received a late notice from Cardinal Financial and that I needed to send a payment to them. I then send a payment for XXXX, XXXX, and XXXX to them. I then contacted them and let them know what had happened and that I never received anything from XXXX XXXX on where to send the payment. I also let them know that I paid the XXXX payment and 2 months in advance. They stated that there was nothing more I needed to do and that they would note on the account the issues. When I ran my credit report in XXXX it should that they reported me to the credit bureau for missing 1 months payment. I then called and asked what I needed to do to get it taken off the credit report and they told me to email them a letter asking for it to be removed and to send them a copy of the credit report. I did all of that and have been trying to get in touch with them to see what the status is and they are not returning my calls and have not returned my emails. Nothing has been done to resolve the matter with them and they have not removed the ding from my credit like I was told would happen. This is disappointing because I have owned homes for over 20 yrs and have never been late with any payments until now due to the misunderstanding.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I purchased the " XXXX XXXX  XXXX XXXX '' season pass in the game XXXX XXXX XXXX, operated by the company XXXX XXXX XXXX XXXX and published by their subsidiary, XXXX XXXX. XXXX. The payment was made through Google XXXX 's billing system. 

Due to some technical issue the first purchase did not go through, and the game told me to try my purchase again. I did so, only to find later that I was double charged on my credit card. 

I first attempted to go through XXXX XXXX XXXX ( the game 's ) Help Center where I requested a refund. Note that the season pass can *only be bought once per season per account* - so a double charge shouldn't even be possible. However, the support representative refused to refund me " due to their terms of service '' and that their service automatically converted the excess purchase into unwanted in-game currency. This in-game currency remains unused. 

I then attempted to go through Google XXXX to get a refund, as it was Google XXXX that processed the actual transaction. However, support there was also not helpful and said that a refund on a DUPLICATE TRANSACTION did not meet their refund policy. 

This is clearly consumer abuse when companies refuse to refund a customer due to duplicate transactions that happened due to no fault of the customer, especially when the product has not been used yet and is trivial to deduct digitally.
Product: Payday loan, title loan, or personal loan

TO WHOM IT MAY CONCERN I AM SENDING THIS MESSAGE BECAUSE I WAS NOT SATISFIED WITH YOU GUYS SERVICE. I SENT YOU GUYS ALL MY {$850.00} WHICH WAS MY RENT MONEY AND NOW MY FAMILY HAS NO WHERE TO LIVE I REQUESTED REFUND ON FRIDAY XX/XX/2021. THE PERSON WHO WAS TO RESOLVE THE MATTER HUNG THE PHONE WHILE TALKING TO ME SEVERAL TIMES. I KNOW YOU GUYS ARE NOT OPEN TO SEND MY {$850.00} TO ME TODAY SO I AM DEMANDING THAT THIS REFUND TAKES PLACE EARLY TUESDAY MORNING SO THAT I CAN PAY MY RENT. DIRECT DEPOSIT THE MONEY ASAP. 


ANGRY CUSTOMER XXXX XXXX I WILL NOT CALL YOU THE ONLY THING I NEED IS MY MONEY!!!!!! 


XXXX WAS THE PERSON WHO TOLD ME THAT HE WOULD REFUND MY MONEY ON FRIDAY XX/XX/2021!!!!! {$850.00} AND XXXX XXXX PROMISED ME {$1400.00} NEED AN ANSWER ASAP