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

We paid a credit card off in full and when we received the new cards from the same company we never activated them. It was the XXXX XXXX from CITIBANK. We then moved from XXXX to XXXX. I updated my address with XXXX when we moved. In XXXX of 2018 my wife tried to use the card, deciding to activate it at XXXX and we were informed it was closed. When I called Citibank they said there was an outstanding balance of {$300.00} that was three months overdue. I thought this to be impossible or fraud because we had not used the card. As it turns out, XXXX charged their annual fee to the card in XXXX of 2018 without our knowledge. Citibank, for some inexplicable reason, had us on a no contact order. So for three months late fees and interest mounted up. In XXXX, My wife paid the card in full though we were still in dispute with Citibank. In XXXX 2018 Citibank admitted it was there fault and refunded all of the late fees and interest. However, they submitted derogatory information on our credit report which dropped us from an aggregate XXXX to XXXX credit score. I filed complaints with two reporting agencies. XXXX was the only one to report back stating that I was correct, that the account was cleared and even though Citibank admitted their fault in the matter they refused to remove the derogatory information. When I called Citi and finally got through to Citibank I was informed that yes, they admitted the problem with the no contact order and that they did refund all charges, but it was not their policy to remove derogatory information. Not my fault. Do know what to do from this point.
Product: Credit reporting or other personal consumer reports

I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED EXPERIAN, XXXX, AND XXXX ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS
Product: Credit card or prepaid card

TJX Rewards / Synchrony Bank Card On XX/XX/23 I shopped at XXXX in XXXX, NJ & the cashier talked me into opening a store rewards card ( my charge of {$97.00} was applied to account ). I was told that I could shop with temporary number anything my card was received & she stated that she put a piece of paper with the number into the cardboard billfold that housed the account docs. 

On XX/XX/23 I received the card & activated it. I then discovered that there was a balance of {$710.00} on the card. Additional charges had been made in PA for {$190.00}, {$100.00}, {$240.00} & {$63.00}. SYNCHRONY advised me on XX/XX/23 that they had opened a fraud claim when I reported these discrepancies to them. I also paid {$97.00}, which represented the only charge that I had made on the account. The account was closed & they stated that they were mailing a new card-which I told them not to do. Additionally on XX/XX/23 it was discovered that there was no paper in the billfold with the temporary account number written on it. I suggested that they investigate the casher at the store/receipt and review camera footage at that location and the other store locations where illegal charges were made without anyone requesting identification. 

A new card was received on XX/XX/23. I cut up the old account card & the new account card and returned both of them to Synchrony with a two page letter requesting the status of the fraud claim ( as well as providing them with a copy of the original receipt for my only purchase. ) I kept receiving emails to pay my bill so on XX/XX/23 I called Synchrony to request a status update as I do not want my credit adversely affected by this matter. XXXX at Synchrony advised me that there was NO RECORD OF A FRAUD CLAIM BEING OPENED on XX/XX/23. Another red flag with this bank! 

XXXX stated that as of today the fraud claim had been opened and that I was not responsible for charges, nor payment to Synchrony. She stated that I would receive a confirmation letter in 7-10 business days with the claim number and that the credit reporting companies would be advised so that it was not adversely affecting me. 

I also advised Synchrony that I remain unable to log into the online account for their bank. Despite multiple attempts to do so.
Product: Mortgage

My loan was PAID IN FULL on XX/XX/2020. On XXXX I placed my FIRST phone call to LoanCare to find out why I haven't received any kind of written acknowledgment my loan ( XXXX XXXX XXXX ) was paid in full, WHY they haven't reported the paid status to the credit reporting bureau and WHY they haven't reconveyed my loan of record. Spoke to " XXXX '' @ XXXX XXXX PST. Basically got run around and was transferred to an 'off-shore ' service center. Got BIGGER run-around from " XXXX '' claimed a letter was sent, asked her to verify where, she gave me my address without a Unit number. I corrected her - she got snotty & instead of transferring me, disconnected me. On XXXX I placed by SECOND call, was disconnected 3 times before calling a different number to the wrong department & had them transfer me. Spoke with " XXXX '' @ XXXX XXXX PST. Told her I STILL haven't received any written notification of my loan being paid, the reconveyance was STILL not of record & my Credit Score was being impacted because they STILL didn't bother to report the paid in full status to the credit bureaus. She said a letter was sent to me - gave me address STILL without my unit number. I corrected HER & she said the credit bureaus would be notified, a duplicate letter would be sent & the reconveyance had been sent to record, and nothing in my email either. We are now at XXXX STILL no reconveyance is recorded, no letter has been received, and I have had the latest credit report STILL not showing the loan is paid in full. This company feels they can do whatever they please with no consequences. I am DONE playing with them & think they need to answer to their regulatory agency. By LAW they have 30 days to release a security instrument after payoff.
Product: Debt collection

Calling 3 times a day on both personal phone and work phone
Product: Debt collection

On XX/XX/XXXX a company called XXXX XXXX XXXX emailed me regarding an account and it's balance stating they represent a Phoenix Asset Group. They stated they were going to report me to the credit bureaus if I didn't pay them. I replied back immediately letting them know that I send money every month on the XXXX of the month to the original company and the checks are being cashed and not return which means someone is keeping the money. I asked the XXXX company to apply the money to there records and ensure it reflecting the correct amount. They instead sent another email stating the same thing on XX/XX/XXXX and again on XX/XX/XXXX eventhough I just sent them a payment on XX/XX/XXXX via my bank and they accepted it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a 609 dispute and also sent a 30 demand to comply and still havent received anything.
Product: Credit reporting or other personal consumer reports

Since XXXX I have submitted disputes via mail with a notarized letter verifying my identity with bank statements, pictures of my identification etc.. I get the same results every month that they can not verify my identity which is causing my to personally suffer with my family to get. They refuse to investigate my disputes which now I am considering pursuing legal actions.
Product: Credit reporting or other personal consumer reports

Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. In order to improve my credit report, I request that the items be removed. I have copies of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can.
Product: Mortgage

On XXXX XXXX, 2016 represented by a Realtor, XXXX XXXX who submitted a purchase contract for home XXXX XXXX XXXX, XXXX XXXX, Texas XXXX which was signed by an individual representing himself as the Executor of the Estate for XXXX XXXX XXXX. I spent {$3100.00}. in services fees ; earnest money, home inspection, HUD Consultant fee, termite inspection fee, hydrostatic testing fee, Home Appraisal, and comprehensive general contractor repair and rehabilitation proposal. Multiple amendments requested by 1st Preference Mortgage Corp Branch Manager to extend closing dates up to XXXX XXXX, with many questions asked by Buyers and was met with hostility and lack of information that will on estate was not probated until XXXX XXXX, 2016, and on XXXX XXXX, 2016 title on home contained curative actions required to achieve a " good deed '' to property. Meeting with seller on XXXX XXXX resulted in an Oral Agreement to extend closing date till XXXX/XXXX/2016 to resolve issues to achieve property sale and closing. On XXXX XXXX, 2016 seller decided not to sign contract extension and requested buyer to release earnest moneys to him. 
Buyer has incurred three months investment of time, and moneys to purchase property. Realtor representing seller knew that property was not eligible for sale on XXXX XXXX 2016 when listed for sale and on XXXX XXXX, 2016 when individual to become executor signed contract but was not legally authorized until XXXX XXXX, 2016 to sign purchase on home contract. As a first time homebuyer I feel deceived, and manipulated to believe I would purchasing this home for three months and was financially exploited by the 1st Preference Mortgage Corporation.
Product: Money transfer, virtual currency, or money service

I lost everything I have save through a scam that was carried out on Coinbase. 
I have my money wired to Coinbase and used in a scam that resulted in losing everything. 
Coinbase charged me transfer cost but refused to protect me from being lured to some scam on the XXXX XXXX XXXX through their Wallet.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I summitted a dispute for negative items on my credit report profile. They sent me a letter stating that they could not verifiy me. However I submitted proper documents to verify my identity. I contacted Trans Union and asked them to process the dispute and I answered all inquiries about my profile they requested to have me verifiy. My Dispute currently is not processed. I would like for the negative Items to be deleted.
Product: Debt collection

I am a XXXX veteran and have 100 % community care, I went to receive care from XXXX XXXX XXXX and when the hospital billed, they billed my private insurance which left a balance after speaking with them I informed them they needed to bill the VA, the bill was denied by the VA and sent them instructions how to resubmit for payment correctly. They never did and 4 years later I get a bill from a collection agency Ability Recovery Services. I contacted them and the initial individual I spoke with hung up on me and did not want to listen to anything I had to say. The second individual shared that the VA needed to send something showing I was approved for care in the community, they did provide it because I sent it in myself, I have tried calling them since then and no one answers or return my calls and the collection after I filed a dispute with the credit bureaus the result came back as correct and the account was to stay on my credit. I am not responsible for the debt, and it was the actions of the initial collector to not request payment the resulted in the bill not being paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Affirm IncXXXX XXXX and XXXX, has violated my rights. 

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
Product: Debt collection

Hello, I am writing to formally dispute the recent decision regarding the XXXX XXXX XXXX  account with FCO, as communicated to me on my online consumer report. Dates reporting opened are XX/XX/XXXX and XX/XX/XXXX showing and balance of {$2300.00} for a charge off account. 

After thorough review of the relevant consumer protection laws, including but not limited to 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S 2 ( 7 ) ( A ), I believe that the decision made is unjust and fails to comply with the legal obligations outlined in these statutes. 

As of XX/XX/XXXX Pennsylvania debt collection law, the statute of limitations is four years for any credit card debt or medical bills. 


According to 12 CFR 1006.34 ( b ) ( 5 ), consumers have the right to receive a written explanation of the reasons for adverse actions taken by a financial institution, such as the decision made regarding my account. However, the communication provided to me lacked sufficient detail and failed to adequately explain the basis for the adverse action. 

Furthermore, 12 CFR 1006.34 ( c ) ( 4 ) ( i ) requires that consumers be provided with specific information about their rights under the Fair Credit Reporting Act ( FCRA ), including the right to dispute inaccurate information. I did not receive any such information in the communication from your company, thereby depriving me of my rights under the FCRA. 

Additionally, 12 CFR 1006.34 ( d ) mandates that consumers be informed of their right to request a copy of the consumer report that was used in making the adverse decision. However, no such provision was made in the communication I received, which is a clear violation of this regulation. 

Moreover, 15 USC 1681-S 2 ( 7 ) ( A ) stipulates that consumers have the right to dispute inaccurate or incomplete information contained in their consumer reports. This company has failed to take appropriate action to investigate and correct the inaccuracies. 

In light of the aforementioned violations of consumer protection laws, I hereby request that you review your decision regarding my account and provide me with a detailed explanation that complies with the requirements of 12 CFR 1006.34. Additionally, I request that you provide me with a hard copy of my full consumer report, as per the provisions of 12 CFR 1006.34 ( d ), and take immediate steps to investigate and rectify any inaccuracies therein, in accordance with 15 USC 1681-S 2 ( 7 ) ( A ). 

Failure to comply with these legal obligations may result in further action being taken to protect my rights as a consumer. I expect a prompt response to this letter and a resolution to the issues raised herein within 15 days from the date of this letter. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

My account what close with out me knowing about it being close when I call to ask why I was told it's up to them what they can do but I still receive text messages about my account so I switch to XXXX XXXX had the same problem and now I am with XXXX XXXX am iam happy that I join them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I have noticed that there are still inaccurate accounts and unauthorized inquiries appeared in my report. I have filed proper documentation regarding this to the credit reporting agency and yet they did not remove them, they are still reporting it. I have here attached the files for your reference.
Product: Credit card or prepaid card

I will include todays date XX/XX/22. The federal gov, needs to look into why credit card rates are to high and why when your credit score goes up the credit card companies do not reduce the rate?? When the federal gov started to regulate the bank rates the banks back door the feds and raised the credit card rates, For example I have a good score of XXXX my rate with capital one is 24.9 % on one card and 23.99 % on another card?? I don't use them like other people would but there was a time when I needed them ( right now people are hurting and are using them } No one can get ahead with these rates. Yes I have called them to reduce my rates. They said they can not do that { Mad } I am not the only one with this problem. My XXXX cards are 22.24 % and 25.74 % on the other ( mad ) If you need to used your XXXX XXXX ( which is for medical ) It is at 26.99 % This goes on and on. Yes again I have ask for reduced rates Answer NO People can get into so much trouble with these rates. So STOP these high interest rates and help People to get back on trac. These rates are way to HIGH for anyone right now And is the reason BIG BANKS are building beautiful buildings. Regulate the interest rates on CREDIT CARDS. After that check into the Buy here pay here at a low of 44 % +
Product: Debt collection

I received a collection notice from CMRE Financial Services on XX/XX/XXXX for XXXX XXXX XXXX XXXX Date of Service on XX/XX/XXXX. I immediately contacted my insurance to fix the error and the claim was correctly processed and paid to XXXX XXXX XXXX on XX/XX/XXXX. I have contacted CMRE Financials to close this case and have spoken numerous times with their debt collectors who assured that they " will open an investigation '' and I will be receiving a verification in writing that the account/case will be canceled. I also faxed the Explanation of Benefits to them twice at their request. ( Note attached docs ) XX/XX/XXXX - my initial contact when I received the notice. Spoke with XXXX XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX who opened an investigation and assured that it will take 7-10 business days to resolve. On XX/XX/XXXX I faxed the EOB to ( XXXX ) XXXX XX/XX/XXXX - spoke with XXXX who never called back to confirm fax receipt XX/XX/XXXX - spoke with XXXX XX/XX/XXXX - spoke with XXXX and faxed the EOB again to ( XXXX ) XXXX on XX/XX/XXXX After all of this, I'm receiving a new collection notice dated XX/XX/XXXX last Saturday, XX/XX/XXXX. Can you please address my complaint with CMRE Financial Services who should not be in this business due to lack of best practices? There is clearly a disconnect within their organization that may negatively impact on customers ' credit scoring. 

XXXX XXXX ( husband ) of XXXX XXXX XXXX ( debtor )
Product: Credit reporting or other personal consumer reports

I am aware that you have been responding to many of the disputes, complaints, and challenges with pre-written standard form letters, despite the precise information consumers have provided. I am well aware that this is ILLEGAL ; as each consumer dispute must be addressed individually and dealt with by its particular merits. My letters have been written and generated using accessible software that is available to everyone. If you choose not to process or address my letters, you are violating 15 U.S. Code 5 1681i. It is against the law to delay the processing of letters from consumers based on the assumption that assistance from a third party may be available. This does not qualify as a legal exception. I am the sole author of any letters bearing my name, or they have been written by my advisors with my complete knowledge and consent. I understand that there is no requirement for you to request a Power of Attorney to delay processing consumer letters. If you fail to process my letters promptly, I will consider it as a deliberate disregard for my consumer rights. In such a case, I will be compelled to contact my attorney and pursue legal action. 

Heres the list of the questionable items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to dispute the hard inquiries on my Equifax credit report. Upon reviewing my report, I noticed inquiries that are inaccurate and unauthorized. Below are the details of the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have thoroughly reviewed my records and can confirm that I did not authorize these inquiries or apply for credit with the creditor above on the date specified.
Product: Debt collection

hexagon collections in XXXX  CA called me and demanded that I reissue checks made to my former dentist into his name, I have been sending in checks for the last 3 months to XXXX XXXX XXXX  and this was the call that I got today where this gentleman called me a XXXX XXXX and told me this would destroy my credit I have been making payments to this dentist and because he hands the checks over to this guy he calls me an XXXX, that is out of line and also to tell me that this will destroy my credit