23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home in XX/XX/2022. I made XXXX payment with the XXXX XXXX XXXX before my loan was sold. I made XXXX payments, which included extra money to be applied to principal and escrow to the new mortgage service provider XXXX XXXX XXXX. I have the bills reflecting the due dates and proof from my bank statements. My mortgage was sold again late XXXX to Loan Care. I didn't even receive my first bill until XX/XX/XXXX from Loan Care. An error was made and they said I was due for XXXX but I had previously paid the old provider. I called immediately and was told to wait for their accounts to update. I waited, it never updated. I called back and was told I was due even though I have proof. I called my old provider, XXXX XXXX XXXX phone XXXX and they said I wasn't due until XXXX. They sent me proof via email and are mailing me proof of this as well. I made an additional XXXX payment with Loan Care under duress so it didn't injure my credit because they said I was going to be charged fees if not paid by the XXXX and it takes time to process! However that should reflect my XXXX payment as paid and it does not! Again I have multiple documents if needed. Thank you for the help.
Product: Credit reporting or other personal consumer reports

I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Debt collection

They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day.
Product: Checking or savings account

I opened a Chase checking and savings account online on XX/XX/XXXX, and transferred {$15000.00} from my XXXX  XXXX XXXX checking account to the newly opened Chase savings account. Several days later I found that I could not login the Chase online account. I called Chase customer service and was told that my checking and savings account were closed, although no reason was disclosed. I also visited the branch as instructed in the phone call but no more useful info. 
I filed a XXXX XXXX XXXX XXXX complaint on XX/XX/XXXX. On XX/XX/XXXX, I received a voice mail from a Chase representative explaining the refund was not issued because they held the fund for verification. Theres also instructions in the voice mail to speed up their verification, i.e. visiting a local branch, showing two different identification document, and login my XXXX  XXXX XXXX account to show the banker that there are sufficient balance in it. Although I visited a local branch before regarding the issue, I followed the instructions and visited the branch on XX/XX/XXXX again. The local banker did verification and put note in the system that all requested verification had been done. However, theres still no response at this moment when Chase would send me my refund.
Product: Money transfer, virtual currency, or money service

I am a Robinhood customer with a new XXXX XXXX account. I initiated a full account transfer ( ACATS ) from RH to XXXX on Monday XXXX after calling XXXX and going over everything with them. I expected the transfer to be complete within 5 business days, ok if longer. At time of transfer my account was positive, had never used margin, and contained only stocks, a small cash balance, and a few options to transfer. The approximate value of the account is between {$45000.00} and {$50000.00}. On Tuesday XXXX RH closed my account and I could no longer access it. By Friday XXXX I received shares and options that showed up in my XXXX account. 

At time of writing all my shares have shown up except for fractional shares left over and my cash balance on my Robinhood account. I received no messaging about the account or the process or when to expect my money. 

During the business day on Friday XXXX two withdrawal/debits appeared in the account that put me negative and on margin. One withdrawal is for XXXX dollars which is the Robinhood transfer fee. The other is a charge for - {$4900.00} that XXXX has recorded as a negative charge and put me on margin. I believe I am now at risk of a margin call and will start accruing interest on the negative amount with XXXX on Monday. 

I called XXXX and investigated it with them, describing the transfer and reviewing the charges. They identified the - {$4900.00} charge labeled " Cash Movement of Incoming Account Transfer '' and they do not know what it is. They've asked me to take this up with XXXX. I asked management to make sure my account is noted properly for later investigation so I can keep track of this and fight for the interest accrued later. Robinhood does not have a phone desk, only an email address. I have emailed them requesting attention and tweeted at their app account on twitter. I am filing this urgently with you as well because so many people are having issues and RH support is nonexistent.
Product: Debt collection

The Nissan motor acceptance company has called me at least 31 times in about a two week time span. We are n't even XXXX full payment behind. They have called me over 6 times in one day at some point also. It is causing issues at work to have them repeatedly call my phone
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within XXXX XXXX  gives a reason to immediately remove those items from my credit report, it has been over XXXX XXXX so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX XXXXXXXX XXXX and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

To Whom It May Concern, This is an attempt to collect a debt by XXXX. 

I am wrongfully being charged for an amount of {$450.00} by XXXX to collect a debt for an item that i sold almost 2 years ago on XXXX. 

Here is the history regarding this transaction. 

I sold an XXXX XXXX Laptop to a buyer on XXXX. The buyer opened a case against me saying that he never received the item which was NOT true. Upon my own investigation of checking with his local post office it was determined that the buyer did indeed pick up the item from his local post office. 

When i contacted the buyer asking why he said he didnt receive the item he opened another a case again saying that the screen of the laptop had a pixel that was damaged which again was NOT true at least once the item left my possession. I made sure to check the item and take pictures of the item showing no signs of damage to the screen while in my possession. 

As a result and over time XXXX made an attempt to take the money out of my checking account for the full amount of {$450.00} which i put a stop to by removing my credit card on file which is why there is an outstanding balance. I didnt feel it was right for this buyer to try and scam me out of the item that i sold him and he still has in his possession saying that he never received it and than saying that it had damage to the screen all while trying to have XXXX reimburse him in full while i am out of a laptop and the money. 

Fast forward to late last year and earlier this year... 

i contacted XXXX and and spoke with many different people in various departments ranging from XXXX to collections etc.. and after explaining my story to one of the support people they informed me that the buyer who purchased my laptop has been removed from the platform and is not verified coming from XXXX XXXX and i was informed by the XXXX support person that this was an attempt by this person to scam me out of the money and laptop and saying that this outstanding balance would go away and that i would not be held responsible for it. 

I called again and again speaking with different people and unfortunately nothing has been resolved as i check by logging into my XXXX account only to see that my account has been suspended as a result of this issue. 

Now most recently i have received a bill from a collection agency Allied International attempting to collect a debt for the {$450.00} which is the total amount for the sale of the laptop that was done on XXXX. 

This is totally wrong and i am extremely upset and can not believe a company like XXXX would favor someone trying to scam me. 

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

please remove any Security freeze Fraud ALERTS OR FRAUD FREEZEOR PROMOTIONAL BLOCK FROM MY CREDIT REPORT. NEVER REQUESTED ANY OF THOSE TO BE ON MY REPORT
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 reported that my information was stolen. I never opened a credit card with XXXX account on my credit report XXXX. I called stated I never opened a card with XXXX, they said they were going to investigate. Never heard back from XXXX Back. I called a few times with no response, I need this to be resolved I wasn't able to purchase a house for my son and me and this is heating my credit to provide a home for my son and me. Please I need your help to clarify this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX  XXXX Account # XXXX Account # XXXX XXXX Account # XXXX, XXXX Account # XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Reference # XXXX XXXX bankruptcy Has violated my rights 15 U.S.C 1681 Section 620 A : States I have a 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 instruction
Product: Credit card or prepaid card

I have been in a continuing battle with Synchrony Bank over repaying my credit card account. This has been going on for three months. I have not only written them 3 times but called three times -- only once talking with an individual who sounded like they were in this country. 
I informed them over 3 months ago that I blocked them both from my email account but my bank account as well because they gave my bank account information ( through another PayPal account that had been used to commit fraud ) directly to a client. The fraud case was settled. 
I keep being told they can do nothing to change the due date and they keep sending notices to pay on line. 
I have no car and will not submit a personal check ( again based on the fraud case ) and have taken to mailing XXXX XXXX orders I purchase at the local when I can get transportation. I then mail them. 
I knew there would be changes in postal delivery and this is why I kept requestion a change in the Due Date. I am now being penalized with every payment.
Product: Credit reporting or other personal consumer reports

According to this section of the FCRA : The term consumer report does not include ( A ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

As this entry reflects a transactional experience between myself and a couple of Creditors, I assert that such information may fall outside the scope of a consumer report as defined by the FCRA. Additionally, the information being reported is either inaccurate or unverifiable, which makes its inclusion in my credit report improper under 15 U.S. Code 1681s-2.

I request that your agency investigate this matter and verify the accuracy and legality of this reported item. If the information can not be verified or does not meet the legal standards for inclusion in my credit report, I ask that the 30-day late payment entry be removed immediately.
Product: Credit card or prepaid card

About a year ago Comenity Bank purchased my XXXX from XXXX 's. Ever since then, if you want to pay more than the minimum payment, you have to speak to a representative and each time go through all of your bank account information to make a payment. It is a business card for us and we want to pay the total balance every month using the automated system. It is a ridiculous waste of time and is in place only to discourage people from paying off their balances and avoiding paying interest charges. They tell you to go pay it from the website but that site never works. It is one delay and stall tactic after another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported on my credit report and I dont have an account with them and never has. The have a different name address and date of birth on the account they reported on my report
Product: Checking or savings account

Ally Bank previously ran a promotional offer for a 1 % cash bonus if you funded new money into an Ally Bank savings account and kept it for a certain length of time. As an existing customer, I decided to take advantage of the offer, and I signed up for the promo and transferred $ XXXX in new money on XX/XX/XXXX. After reading the rules, I noticed the maximum I could get was a {$500.00} bonus on a $ XXXX deposit, so I withdrew $ XXXX from the account. According to the rules on the website ( https : //www.ally.com/content/dam/pdf/corporate/offercode/getpaid.pdf? XXXX ) as long as the " Net New Deposits '' were kept in the account till XXXX ( which they were ) I should receive {$500.00}. In fact, I made no other deposits or withdrawals with that savings account for 4 months so there would be no confusion. On XX/XX/XXXX I received a promo deposit of {$270.00}. This is not the correct amount and I'm not sure how they calculated it. I contacted Ally via phone shortly after to explain the error, but the rep didn't understand the rules and told me because I withdrew $ XXXX it reduced my bonus. Even if that were correct how did they calculate {$270.00}? I told her the promo website clearly states " Net New Deposits '', and my net new was $ XXXX but she dismissed my claim. I sent 4 additional messages to Ally via the website hoping to find someone that understood the rules and asked when I would receive the remaining balance due of {$230.00}. To date, the Ally Bank reps haven't fixed the error.
Product: Debt collection

I received a letter regarding an unknown bill that I was truly unaware of. I then send them a certified letter with return receipt and they refused to respond back with any evidence that this debt they are trying to collect belongs to me. after further research I come to find out that not only do I believe this is not my debt but it is well over passed the statue of limitation in my state. they are clearly in violation and I demanded in writing that they no longer contact me on this matter.
Product: Credit reporting or other personal consumer reports

I have multiple old and inaccurate accounts on my credit report. That's keeping me from moving forward from obtaining credit. I have disputed an asked for writing verification and have not received it on none of the inaccurate accounts and all accounts and bad standings i am demanding for these counts to be removed.
Product: Credit card

The XXXX should add negative stars, so we can add a review to companies like Synchrony. This is not a Credit card and XXXX services ; this is plain and simple 100 % scam. 
My case relates for me requesting a loan to pay for service at home on XX/XX/XXXX. I was granted the loan very quick ( first sign, no loan plans creditor will approve so quickly, Synchrony is very fast to loan you the money so this company scamming the moment you start ). 
I called this company to create a payment plan so it can be deducted automatically from my Bank. Inclusive, I requested to pay over the minimum amount needed ( 150 % more than the minimum monthly requested ). Months passed by and XX/XX/XXXX came in and with my XXXX return, I decided to pay this reminder balance off. 
After making the payment for the full amount, a week later I received an regular mail stating that Synchrony was closing my account because the amount owe exceed the balance owed and Synchrony was reporting my profile to all credit report because I failed to make payments to my account and the account was deficient I failed to make payment to my account!! 
How an account becomes delinquent when the account is paid automatically and then paid in full before the Synchrony expected to be paid off?

I called Synchrony and I got the normal run around. I spoke with people from XXXX XXXX and XXXX for XXXX hours trying to solve the issue and get a hold of a XXXX. The next day I finally connected with a underwriter XXXX ( She does not deserve the title of XXXX, but Hog ) After pleading my case, she asked me if I was finished and hung up. 
After all this drama, my credit score went for good to bad. 
I am a Combat XXXX Veteran. 
THIS IS NOT WHY WE FOUGHT FOR!! 
This is not how the United States of America conducts business, this is not an example of exchange of Payment for Service where the Harmony of good faith resides and it is the base of Trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 lam demanding the deletion of the accounts listed IMMEDIATELY! Account Name XXXX Account Number XXXX
Product: Credit card or prepaid card

I just received my letter, stating that my fraud issue could not be resolved due to payments were made while the card was in use. And it's common use for whomever to make payments until the balance was high enough that they no longer wanted to make payments. While waiting for a resolution, I received a email stating I had purchased a pillow in which I didn't. Again this happened in my account. So I reached out and chatted with someone so I could have proof of the conversation, that someone in fact was using my account. The only thing is now, it was with a different credit card, and being sent to another address I do no reside at. I have attached that conversation by email in this complaint for proof. I was even told it was canceled and I had nothing to worry about. Within a few days later, I received another email saying the item was being shipped. And I have attached that email as well. I just don't understand how this issue can never be resolved all because someone made payments, when Im stuck still making payments on items I did not purchase. Of course someone is going to pay, when it will affect their credit if they do not pay. That's just common sense, especially when you have been fighting with the company. Then I go to make a payment today, and see more than one card with different balances. How is that even possible? I have attached that proof as well. This is a entire mess, going on. I would like for the request to go higher than just the resolutions specialist.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX