23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Upon applying online for a XXXX Card through Synchrony Bank, I was asked for personally identifying information through what appears to be a XXXX Party Service/Credit Report Service. XXXX of the questions asked about my current property and asked for the date associated with it. None of the dates were even close - not even in the same year - and the only other answer was that I am not associated with this property, which is also incorrect. As there was no correct answer, I failed the identity test and was denied credit. I have a XXXX FICO score and have never been denied credit before in my life. 

I have called XXXX XXXX and Synchrony Bank. I have been transferred to numerous people, none of whom could help or even understand what I was talking about. I was transferred to the credit department and treated like I was a deadbeat. I have asked for a number at Corporate that could figure out who this Third Party provider is with the incorrect information. I have lodged a customer complaint that I do not expect to go anywhere. 

I have checked my credit card reports and the information about my mortgage shows the correct date - XXXX 2010. I also check my credit union and it too is correct. 

It is absolutely unacceptable for Synchrony Bank ... or any other financial institution ... to be using information to determine identity or credit worthiness without the proper support procedures put in place if such information is wrong. My credit report has been damaged due to denied credit and no one is taking any kind of accountability to assist in getting this erroneous information corrected.
Product: Checking or savings account

I had accounts and they were closed due to someone hacked my acct.. I need my acct for my payroll deposit.. Please assist with clearing the acct with XXXX
Product: Student loan

Since Nelnet took over my account for my student loans, my interest rate has increased without my permission, and they have sent me a letter three times a week stating my balance as it increases and the payment amounts. I could not get them to answer the phone most times and when they did answer, they said there was nothing they could do about it. The monthly payment is extreme and they won't lower it. I can't afford to pay what they're asking, and when I went 90 days delinquent, my credit score dropped from XXXX with a perfect payment history to below XXXX. My credit is permanently ruined and my perfect payment history is destroyed. I can't get a loan for a house now because of this.
Product: Debt collection

Rent Recovery Solutions has wrongfully sent a debt of {XXXX} to each credit bureau on XX/XX/XXXX. I have already paid this debt in XX/XX/XXXX and asked for proof of debt in writing, as well as sent four different types of proof that this debt has been paid. XXXX  XXXX  XXXX, the company who sent me to the debt collector has refused to contact Rent Recovery to amend the debt. XXXX  has sent us a ledger with proof stating this debt has been paid. 

Proof was never given to me by the debt collector. The wrongful debt has been reported to the credit agencies : XXXX, XXXX and XXXX. We have called Rent Recovery Solutions and asked why our debt was sent to the credit agency even though he had paid this debt and we were told a supervisor would call us back. We have not received a call back. According to XXXX reviews, this company has a history of sending false debt to credit agencies. 

We are suspecting this company has dishonest business practices. We would like to report Rent Recovery Solutions for sending this debt to the credit agencies when no proof of debt has been provided by them. 

Documents sent to Rent Recovery Solutions have been uploaded.
Product: Mortgage

XXXX   XXXX   XXXX , We have had a mortgage with Astoria Bank since  XXXX . It is on a condo in  XXXX  FL. The community is located in a flood zone. For the pa st 7-8 years ( maybe more ) our association has provided a fax to confirm the flood insurance is in place. During this time Astoria continuously discards the policy ( some black hole ) and then proceeds to harass for weeks on end about obtain ing proof of insurance. My wife and I take it upon ourselves, each year, to fa x ( to a generic fax )  the policy over. This too becomes lost at times and they wont provide email addresses for us to scan so we can confirm receipt. Sometimes this process takes weeks and then we receive a " forced '' flood policy of {$1900.00} and they then want an increased payment. I spoke today to  XXXX   ( today ) regarding the increased payment and she wanted to scurrying me along to the insurance department, which is wrong so I asked for a manager.   XXXX   XXXX , claims to be a supervisor, told me I should have just asked for an escrow analysis, my response was " that was  XXXX  's job ''. In closing this is an ongoing and chronic situation where a mortgage bank is failing to provide the necessary service and bullying their clients.
Product: Credit card

QVC Credit card ( QCard ) company claimed, per a XX/XX/XXXX letter, that after careful review, they decided to close my account due to two XX/XX/XXXX and XXXX {$50.00} extra ( in addition to my timely monthly minimums ) payments did not clear my bank. 

No careful review occurred because prior to XX/XX/XXXX, no payments were ever rejected!!!! 

Unfortunately, due to apparent discrimination ( ex.name profiling ), QCard could have at least first sent a letter of warning so that I could have a chance to show proof of my checking account funds availability that would have honored my {$50.00} payment! But instead they acted with malice in their attempt to cause me financial harm and canceled my Qcard. Very bad customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was applied for a loan and I founding fraudulent accounts I never open those accounts the police say is a identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered this new account on my collections report and this information is incorrect! This college continues to sell this negative account to different debt collectors giving my PII to random companies and I do not owe this debt! this is my second time disputing this same information and I will be seeking legal action for fraudulent charges. I do not owe this college any money I withdrew the correct way I returned all materials and I have never stepped foot into any of their classrooms this is a fraudulent charge and I refuse to pay or have this negative information reported on my credit report. I demand a written contract with information that states I attended and owe this college AND this collection money with verifiable proof ie, dates and contract with my signed signature this is a violation of the FCRA and I demand to have this negative information removed my report. Dated XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter by certified mail to Experian to dispute an address on my credit report that isnt mine. Ive never lived at this address at all. They responded in writing on XX/XX/XXXX and did not remove the address stating that they got it from another creditor. How? If Ive never lived there, so Ive never used it on a credit application of any kind. They are the only credit bureau that Ive had issues with disputing this address situation.
Product: Mortgage

Below is my latest letter in regards to their BLATANT DUAL TRACKING AND PROOF XXXX/XXXX/16 XXXX XXXX and XXXX XXXX On XXXX/XXXX/16 I faxed and overnighted my appeal on loan modification with proof that I never was given a true modification from XXXX and had tried for months to get them change to a correct date for acceptance but they did not so I proved I never accepted or denied a loan modification from them because you can not accept or deny one that is not valid when they send it. This is called fraud and why XXXX is under fire for not handling loans correctly and falsifying documents. Also my income proved I could make payments. So I sent the appeal to you and requested a new packet. I did not receive anything back from XXXX or XXXX regarding the appeal letter or new modification. I requested multiple meetings with my SPOC and have yet to hear from him. I did not even get a message back for 2 months after I wrote this. PER CHBOR you can not file a NOD while looking at appeal nor can you after I requested a new mod packet but you did on XXXX/XXXX/16. With a different amount than the statement XXXX sent me. I have now forwarded all of this to the attorneys at XXXX XXXX. I have also sent to California AG and CFPB. I will fight this the entire way. I have asked for repayment plan and 6 to 9 month workout with nothing back from BSI FINANCIAL. With your illegal practices and violations there is a group of homeowners that we are all keeping track of every single violation and I have saved every voicemail and paper I sent. The Tracking # with all of this information is XXXX was signed for at XXXX on XXXX/XXXX/16 so you can not deny receiving appeal and asking for more documentation. So BSI FINANCIAL Sent a loan Modification Denial on XXXX/XXXX/16. I received on XXXX/XXXX/16. BSI FINANCIAL received my Loan Modification APPEAL on XXXX/XXXX/16 which was 28 days after and I had 30 days to send which the tracking # proves. I then also requested a new packet as XXXX told me. I never received anything. Also the NOD was filed on XXXX/XXXX/16 which you are not allowed to do til 15 days after I receive status on the appeal and I have the opportunity as I requested a new loan modification paperwork. THE NOD will need to be rescinded immediately. Since I have been keeping track of everything I am prepared to take this to court for illegal practices. Since BSI FINANCIAL is denying working with me and trying to steal a home which I will not move out of. Nor have you offered to work with me on a payment plan or reinstatement and MY SPOC has refused to schedule a meeting with me. I have to do all I need to do to protect myself and I am not putting up with the bullying and harassment and elder abuse from BSI Financial. 
You have 7 days to rectify the situation in writing.
Product: Debt collection

I noticed XXXX collections XXXX XXXX on my credit report for the XXXX time I might add the first time I fought and got removed for identity theft this time I have filed multiple disputes still nothing the debit where in XXXX XXXX XXXX  I have never lived pre even visited XXXX  I have explained this my work history shows I have had full time jobs in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I locked my credit and still getting these collections I have plead my case multiple times even had XXXX put a not on there that I have been a victim of identity theft the company refuses to remove the XXXX collection on my credit and it is really making it hard to get into a new house I need help
Product: Credit reporting or other personal consumer reports

I am aware that FCRA 605B mandates the removal of any erroneous accounts from my credit report. This account is inaccurately listed on my credit file, so please remove it. I am entitled to {$1000.00} for each incorrect entry on my credit report.
Product: Debt collection

I received a notification today that a collection was added to my credit report in the amount of {$520.00}. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX have violated my rights. According to : 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have an account with XXXX XXXX and they help me a lot..I have to give them my online banking login and stuff and my bank is supposed to send them my bank statements frequently however my bank has been slacking drastically..I need my bank to start sending XXXX XXXX my bank statements more often ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I've sent a letter last XXXX it's almost 30 days now but I Haven't received any response yet. I was so stressed and always thinking about how to solve this issue. I need help!.
Product: Money transfer, virtual currency, or money service

I initiated a wire transfer from my XXXX account on XX/XX/XXXX for {$24000.00} to be sent to MY personal bank account in XXXX XXXX XXXX XXXX at XXXX XXXX. The money has since been held by the intermediary ( Citibank ). After an initial complaint, Citibank did return the funds to XXXX XXXX XXXX ( the XXXX XXXX XXXX XXXX for wire transfers ) on XX/XX/XXXX ; however, I was informed in writing that XXXX inadvertently returned the funds to Citibank on XX/XX/XXXX, instead of returning to my XXXX account. Citibank has held the funds since that time, even though they know the funds do not belong to them. They now refuse to investigate and return the funds through XXXX XXXX XXXX back to my XXXX account. I also spoke with XXXX Executive Office team ( XXXX ) on XX/XX/XXXX, XX/XX/XXXX and XXXX. She claims that XXXX has sent at least 2 requests to Citibank in XXXX and in XXXX to recall the funds, but Citibank has not responded. I have had numerous telephone calls with Citibank " Executive Response Team '' over the past 3 weeks ( XXXX XXXX and XXXX ) but they have been unhelpful. I also sent several emails to Citibank " Executive Response Team '' with documents, but have not received any reply. At this point it appears Citibank is aware the funds do not belong to them, but refuse to return the funds as requested. Numerous phone calls and emails to them have been met with excuses and inaction. I've attached the relevant documents outlining the flow of the funds, and documenting that the funds are still with Citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the CAPITAL ONE its has been more than 31 days and they have no proof I initiated such inquires not written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these inaccuracies. According to section 604 of the Fair Credit Reporting Act permissible purpose of consumer reports 15 u.s code 1681b in general. Subject to subsection ( e ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER. ( f ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is INITIATED BY THE CONSUMER. Under 15 usc 1681i, paragraph ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general. If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) PROMPTLY DELETE. The following inquires are unauthorized : CAPITAL ONE XX/XX/XXXX CAPITAL ONE BANK XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

In the latter part of XX/XX/2020, I received a call from a woman who identified herself as being affiliated with XXXX XXXX XXXX. The purpose of this call was to inform me of the availability of financing for my solar project for a period of 15 years with an interest rate of XXXX %. Further, I was to be afforded the option of re-amortizing the loan with the stipulation the amortization must be completed within 18 months of the date of purchase. The proposed arrangement would allow me sufficient time to receive and apply my tax credit with or without additional money being paid towards the existing loan within the specified time frame. I agreed to the terms of financing presented to me. Mr. XXXX salesman for XXXX XXXX XXXX returned to my home a couple of days after the above conversation for the purposes of closing the sale in addition to applying for financing with Service Finance Company , LLC on line. 
While XXXX XXXX does not finance solar projects directly, they are affiliated with finance organizations that provide long term financing for solar project ( s ). Application for financing is normally completed at the time of sale with the salesman by accessing a finance portal via use of a company laptop. My financing with XXXX XXXX XXXX was predetermined by a representative of XXXX XXXX XXXX. I suspect the online application in my particular case to be a matter of business formality. 
As the result of XXXX XXXX not providing with documentation for the tax credit, I contacted Service Finance o/a XXXX XX/XX/2020 ( XXXX ) XXXX ) for assistance. As the result of my inquiry I was informed prerequisites to qualify for the loan re-amortization required I make 18 monthly interest payments. Once the interest payments had been made, I was to contact servicing@svcfin.com for further instructions in the processing of additional payment XXXX s ) and re-amortization. These instructions are in conflict with information previously provided by XXXX XXXX. This particular requirement results in interest being paid in the amount of approximately {$3200.00} with nothing being applied towards the outstanding principal. I was not aware of these terms, nor to my knowledge did I agree to these terms and conditions. I informed Service Finance none of information provided was found in my written agreement with Service Finance. Upon requesting Service Finance provide me with a copy of these instructions, I was informed the information was NOT in writing. Consequently, Service Finance is unable to provide me with written instructions. 
Please Note, Service Finance provides a billing address of XXXX XXXX XXXX, XXXX OH, XXXX. Billing statements originate for the most part on the XXXX of each month and are received on the XXXX or XXXX of the month, with a due date of the XXXX. The statement identifies XXXX XXXX  XXXX XXXX as being the Dealer with a product type being Solar Equipment. Interest is XXXX %, Current Principal is {$44000.00}, with a maturity date of XXXX/XXXXXXXX Billing statement clearly states Balances Listed on this Statement DO NOT REFLECT PAYOFFS. Call ( XXXX ) XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Late Payments XX/XX/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

Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion
Product: Credit reporting or other personal consumer reports

I have XXXX  unauthorized hard inquiries on my credit report from the following companies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I'm filing this complaint against destiny card for mishandling my fraud case I have put in a fraud case with destiny card letting them know that I had never received my card ending in XXXX and that my mail was stolen with my information in it I reported this to destiny card and they refuse to credit me back for XXXX unauthorized charges that I reported to them that they know I did not make I have spoken with a manager but have nothing resolved regarding these charges I'm asking for a investigation into this matter
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT : Name Account Number : XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS XXXX XXXX, JUDGMENT ACCOUNT IMMEDIATELY Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. The Referenced court cases are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian Information systems , Inc. and XXXX XXXX XXXX, Case XXXX, XX/XX/XXXX ( XXXX XXXX  ) ; XXXX 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 Experian Information Solutions, Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX ). 

'' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. 

Please provide the following as an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A court order authorizing a consumer reporting agency to provide a consumer report, 2. A written authorization from the debtor to obtain a consumer report, or 3. Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. Please send me a copy of an updated credit report. 

Thank you,