23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I did a kitchen install with Lowes in XXXX XXXX NJ, it was a very frustrating experience and after not getting resolution from the store I put in a revoked charge and reached out to the CEO in North Carolina. The store reached out to me and requested a meeting where they asked me to email them releasing the funds revoked. They spoke of compensation however did not mention an amount. I was uncomfortable releasing the full amount not knowing what the compensation would be. I expressed this to the store manager XXXX at the time. After a few days I received a letter from the bank letting me know the store had reached out to me and that I would be responsible for the full amount. I called the bank to let them know Loews and I did not come to an agreement and re issued the revoked charge. Now Lowes is letting me know they will not talk about compensation until I release the full amount. I have been working with XXXX in the Lowes corporate office to try and get this resolved. She has confirmed Loews wanting the money released before talking compensation. I feel releasing the money will compromise my negotiating power and would leave me in a vulnerable position.
Product: Credit card or prepaid card

Today XX/XX/XXXX I received two letters from citi bank on my credit card. 

This account has been closed couple months back. These letters dated XX/XX/XXXX state the previous provisional credit is now permanent. Since the account was closed they say they dont show the credit and that I can not request a check. 

Not sure why citi took so long to resolve and send out these letters. I would just like my money. 
Two amounts XXXX $ & XXXX XXXX 

I even confirmed by talking to the agents in customer service then they just couldnt figure why?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX  XXXX, CT  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}
Product: Checking or savings account

XX/XX/2021 I placed an order on XXXX for {$1100.00} and upon delivery days later my order never showed up, on the tracking information from XXXX it showed that the scheduled delivery is unavailable due to the package being lost in transit and XXXX acknowledged that the package was lost. I filed a dispute with Chime and I feel I wasnt being treated fairly because they denied my dispute and closed my case. I feel they did not care to help me, until this day I still never received my package and this package was supposed to be a XXXX gift for my son. I receive social security income and receive only {$840.00} a month and worked very, very hard to save this money. Losing {$1100.00} is a big deal and Im extremely saddened and disappointed by the resolution my bank provided me. I reached out to the merchant at XXXX and showed him a screenshot of the tracking info and asked if he can help me with a replacement or a refund and the merchant ignored me and never messaged me back
Product: Credit card or prepaid card

On XX/XX/2019, I went onto the XXXX XXXX website to book a flight. Before I hit confirm to move onto the next steps to book the flight, a '' Citi AAdvantage '' credit advertisement appeared next to the information on the screen stating that if I applied I would get a {$200.00} credit if approved. It showed that the ticket I was about purchase would go from {$580.00} to {$380.00} if I applied and was approved. Nowhere during this process was I told it would take 7-10 business days to process the application and I would in fact NOT receive a credit on the current flight I was going to book that day. Various online

creditors prompted a notification to my email address that Citi checked my credit. Upon that notification I received an email from Citi indicating I had to call them and provide additional information. So I called the number and a customer service rep for Citi told me I had to provide proof of ID, which I never had to do in the past with credit card companies. She further told me that it would take an additional 7-10 days to process the application an that they would not credit. She further stated " sorry for the inconvenience ''. This was just a blatant ploy to get people to sign up have their credit score possibly affected and then
not provide them with the {$200.00} credit they supposedly offered online. This is egregious and extremely misleading. Now I'm stuck, I don't want this credit card based off principle, I'm trying to dispute it with the creditors under the fraudulent credit report check by the company.
Product: Debt collection

This company, Premier Portfolio Group, has been calling my cell phone and now my work phone for months! They leave a recording saying that I passed a bad check with my name and SSN on it. That absolutely did not happen, I have nearly perfect credit and pay all my bills through my bank so this makes no sense. I have already reported them to the FTC and to my work, both advised me to ignore it but it 's driving me insane! They are obviously scammers and need to be shut down. The internet is full of similar reports about this company.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, after checking the XXXX XXXX on the app I noticed that there was a hard inquiry to open up a credit card that I did not authorize. so I caused the TransUnion on XX/XX/XXXX. The customer service rep said if it was within 30 days he could help me out to dispute the hard inquiry. Or else I have to send a complaint from from FtC and send it to them if its more than 30 days. 
So he was able to help me dispute the hard inquiry. On XX/XX/XXXX, I called the TransUnion again to check the status. They said, I have to get a written letter from the hard inquiry, Bank, and also from FTC. I told them if it was within 30 days I dont have to do all those. They said, no, I must submit something inviting. 
On the same day XX/XX/XXXX, I also also called XXXX and XXXX and disputed hard inquiries and it was removed within 48 hours. 
When I looked up TransUnion website to dispute the XXXX  inquiry. It says I can not dispute online. I have the call the company. It doesnt say anywhere about submitting a complaint documents from FTC XXXX 
They can also listen recorded conversation I had on XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Discover Bank, XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666 B : 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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate Under 15 U.S. Code 1681 b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( 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- ( IL promptly delete that tier of information from the fie of the consumer, or modify that item of information, as appropriate, based on though results of the reinvestigation ; and Fil promptly entity the furnisher of that information that the information has been modified or deleted from the tie of the consumer. Please remove the following items from my credit report, immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 

Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit XXXX : SIMMONS BANK Account # XXXX XXXX XXXX  XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ).

The inaccurate reporting of both my account status and payment status by SIMMONS BANK Account # XXXX XXXX XXXX  XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX I XXXX, CA XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

There is an unknown and unverified debt reporting on my credit report with all 3 credit bureaus. The collection compnay shows lvnc funding llc c/o resurgent. The address for that company shows XXXX XXXX XXXX XXXX, SC XXXX. The collection amount is showing {$96.00}. I have ever done any business with this company. I have reached out to the company by letter. On XX/XX/2019 a mailed a credit validation demand letter to try to obtain information as to why its reporting or where this debt originated from. I sent the company a priority letter with signature requested and a certified letter. Both letters have tracking. The priority letter with signature was delivered to the address above on XX/XX/2019 at XXXX. This letter has not been picked up from the post office. I also show the certified letter was delivered but on XXXX XXXX at XXXX. The company has not responded or provided me with any proof or documentation that this debt belongs to me. Both letters stated the company had 30 days from the receipt date to respond. I have received no response. In addition the letter stated until the requested information was sent validating I owe this debt, all collections needed to cease and desist. On XX/XX/2019, when I reviewed my credit report, I showed the company still continued to report the debt after receiving my letter. I do believe the letter, that needed signature has not been retrieved/ignored, as a deceptive tactic to continue reporting and trying collect on a debt. The reason why the company received the demand validation letter, is because i never received a letter from the company and the inaccuracy is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't recognize this accounts, i don't have any agreements for this companies with my signature. By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to address an urgent matter regarding inaccuracies on my credit report. Upon recent review, I have identified incorrectly listed old late payments on my accounts and wish to dispute this inaccurate information. I kindly request your prompt assistance in correcting or removing these inaccuracies from my credit report. Maintaining an accurate credit history is paramount, and the reported late payments do not reflect my true financial responsibility. These discrepancies are the result of an error and require your immediate attention to rectify. The companies associated with these accounts have acknowledged the errors during our telephone conversations and assured me that they will rectify the issues. Please update the account below : XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion and XXXX XXXX continue to allege I owe a debt I do not. I have previously filed several complaints about this allege debt and have yet to receive any evidence that proves I am indebted to XXXX XXXX. I have no lawful obligation to pay any third party debt collections that I did not have a contractual agreement with and the contract that is allege to have been assigned you did not properly claim security interest which makes your claims frivolous.
Product: Checking or savings account

I have 4 accounts with CIT bank since many years, On XX/XX/XXXX  I had problem accessing my account online, I called the customer service and they informed me that my accounts are in process of closing and some one will call me in 2 days without any reason given, I waited and called them on XX/XX/XXXX  they informed me that i will get response by mail, i received no response on XX/XX/XXXX  I called them again supervisor name XXXX XXXX XXXX said they are in process of closing the all accounts and it will take 10 days, they refused to give me further assistant. I have 4 accounts total amount totaling {$200000.00} approximatlly. I am senior citizen and need accessto to money and i am not able to get any assitant.
Product: Credit reporting or other personal consumer reports

XXXX XXXX charged off my account, but I did not receive a 1099-C form for the canceled debt, which the IRS requires them to issue when they forgive a debt of {$600.00} or more. As of the date of this letter, I have not received the necessary documentation to report this debt cancellation on my tax return. Despite my attempts to resolve the issue directly with XXXX XXXX, they have failed to issue the 1099-C form or provide any explanation for their non-compliance. 
As a result, I am concerned about the potential tax implications, as this debt cancellation may be considered taxable income. I believe that XXXX XXXX 's failure to issue the required tax documentation has caused me unnecessary confusion and potential financial harm. Additionally, I am concerned that they may have violated consumer protection laws by failing to adhere to IRS reporting requirements, especially if they have reported this debt as a charge-off on my credit report without issuing the appropriate documentation. 
It has come to my attention that this alleged debt, which has been XXXX, is being treated as a Negative Item on my consumer report, which had an impact on my life and my family 's. I would like to clarify that Canceled Debt is prohibited from being reported on consumer credit reports. This inclusion of canceled debt should be considered as taxable income on my tax return. However, I never received this document even though it was charged off as of 2023.

This may inadvertently create tax complications, as you were required to send the 1099 c document prior to year end 2023
Product: Checking or savings account

I was scammed in XX/XX/2024 an attorney office from a loan office called had my bank informations my social security number and said the debit office is going to press charges on a lunpaid loan from " years ago '' I got scared paid the debit then immediately called the bank and told them I was scammed because after looking at the email document they provided and called the number they gave me I didn't have an account with them and the documents from the " Attorney office '' had XXXX different company names on it which when you XXXX is not a law office at all. I filed a fraud case with chase and told them everything also offered other numbers they kept calling me from once XXXX they saw it was a charge back. They didn't want to take other numbers insisted that it's just an email being sent. And then now see they took the money back out my account and determined " it's not fraud '' yet the supposedly attorney office when I asked for the original loan debit report couldn't provide it and didn't send me it in the mail to this day like supposedly they would.
Product: Credit card

Summary of the situation : I am filing a complaint against Synchrony Bank regarding my credit card account and the unexpected deferred interest charges applied after my promotional period ended on XX/XX/year>. 

I had a no-interest payment plan and was making automatic payments, unaware that I needed to pay the full balance by that date to avoid being charged the full deferred interest amount. Due to severe XXXX  XXXX following the birth of my child on XX/XX/year>, I have been under medical treatment, taking prescribed medications, regularly seeing a specialist, and have been on medical leave from work. Because of my medical condition, I was not actively checking emails, statements, or using my computer. 

Lack of adequate notification & failure to follow industry standards : I never received a phone call, text message, or mailed letter alerting me that my promotional period was ending or that I would be charged the full deferred interest amount. Synchrony Bank only sent email statements, which I was unable to monitor due to my medical condition. 

Many other financial institutions provide proactive reminders through multiple channels ( text, phone calls, or mailed notices ) before charging major financial penalties. Synchronys failure to provide these industry-standard notifications created an unfair situation, especially for a customer facing a medical hardship. 

Absolute refusal to assist & predatory policies : Upon realizing the interest charges, I contacted Synchrony Bank multiple times and escalated my concerns to higher management. Despite explaining my serious medical condition, ongoing treatment, and financial hardship due to being out of work, Synchrony refused to provide any assistance or relief. Their response was simply that I had " signed the contract, '' taking no consideration of my medical hardship, financial limitations, or inability to monitor my account due to my condition. 

The Consumer Financial Protection Bureau ( CFPB ) has previously warned against predatory deferred interest practices, and Synchronys lack of proactive communication and unwillingness to assist despite a valid medical hardship aligns with these concerns. 

Financial & Emotional Impact : This unexpected and preventable financial burden has caused additional stress during an already challenging postpartum period. I am doing my best to recover from a serious medical condition, care for my newborn, and manage my finances while being on medical leave. Synchronys refusal to assist in any way has only exacerbated my financial and emotional stress. 

I can provide medical documentation if needed to the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Prepaid card

I received a Netspend Mastercard in the mail. I never ordered it. I called the number on the card and spoke to someone in the XXXX who said I should just throw the card away. That is pretty bad advice since anyone who finds the card could activate it. I am appalled that they sent a card that was never requested. This is an invitation to identity theft. It was very difficult to even get a person to talk to because the automated system kept asking me for my social security number and date of birth because it did not recognize my account because I did not activate my card. I did some research on line and there are lots of complaints from people who received a Netspend card and did not request one
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.