23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am writing this email to inform you of the most uncomfortable and unprofessional experience I had with XXXX XXXX XXXX XXXX # XXXX. I am a loyal customer of Truist for many years and I am applying for a conventional loan for a condominium I will be using as a secondary residence. She did not offer any loan options or alternatives to help me decide which loans are the most appropriate for me and failed to provide sufficient information about my loan. She insinuated that I would not be able to qualify or afford the loan and did not offer any alternatives or resolution. As you review my credit, I have an excellent XXXX XXXX and I felt demoralized after speaking to her. She has some uncomfortable and inappropriate questions and I do not want her to handle my application at all. I am requesting an immediate reassignment of this application to another XXXX XXXX. If not, I want my application closed with a request from Truist to the credit bureaus to remove the hard credit inquiries your institution performed.
Product: Credit card

I have been trying to get a hold of this company for months because they never sent me my account information. No email, mail, or call. It was opened via XXXX, and I bought a few items. I have tried over XXXX times over the last XXXX XXXX months to get a hold of a human and have been unable to do so until yesterday. Their automatic link does not work to set up account access, so a human was the only way. 
XX/XX/XXXX. 2024, I was finally able to set up my account, but now I have XXXX late fees. They reported me to all XXXX  credit bureaus and are unclear about how to fix it. I was on hold yesterday for over XXXX hours and was disconnected. I called back today and was able to get a hold of a person again, but it was unclear how they would fix this. They reversed XXXX fee, but my credit is affected, and another fee still sits against my account. This is a 3rd party company that is not able to fix their mistakes. The email attached was sent today ; their first correspondence was only after I could finally set up my account yesterday.

I need help, please. 

Synchrony Bank XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

Midland Funding LLC apparently is a junk buyer of allegedly old or uncollected debt purchased from different creditors. They have been sending me bills periodically through the mail claiming that I owe the debt to them, even though I don't know who they are. They claim that they bought an old credit card account from XXXX XXXX XXXX  with whom I once had a credit card account. I did not receive any notification from XXXX 's that my account had been sold, nor did I receive a letter from Midland with the appropriate written legal proof that the rights to collect on this debt, was now theirs. I have called Midland Funding LLC who refers me to another company called Midland Credit Management ( supposedly in XXXX XXXX ) who tell me that the only documentation they have is a few copies of my old credit card bills with XXXX 's XXXX. In my phone calls to Midland Credit I've asked for a copy of the assignment of XXXX 's rights to this credit card, over to Midland Funding LLC or Midland Credit Management. Their response to me is that all they have are documents ( copies of old bills dating back in 2013 ) showing up on their website under my name, and that should be enough proof. Clearly, that is not enough or adequate proof showing that they have any legal rights to collect money from me for this old XXXX 's credit card account. I have had several identify theft problems over the past several years and am getting tired of trying to rectify problems resulting from the identity theft problems. I've asked them to send me a letter stating that they will delete this entire derogatory credit line from all 3 credit bureaus against my name/social security #, but they want me to pay them first even though they refuse or can not provide proof that they have the right to collect on this XXXX 's acct. Today, via a phone call I asked to speak to one of their attorneys. They put me on hold at XXXX my time, and no one ever picked up again. The Midland Credit Mgmt and Midland Funding have a corporate address in XXXX XXXX, CA. I am in the same time zone as XXXX XXXX. The woman who put me on hold, told me that she thought that office had already left for the day and I wouldn't be able to speak to their attorney. I asked her if they normally work to XXXX, to which she answered " yes ''. I reminded her that it was only XXXX and they should still be at the office. That's when she said she would transfer me to their XXXX XXXX office, then she put me on hold. Before doing that, I asked for the corporate phone # in their XXXX XXXX office, and she told me that they don't have a direct phone #. I have also called XXXX 's XXXX  and they say they have no record of the account nor to whom it was sold, if at all.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I XXXX XXXX sent in a notice of Identity Theft, request to block and remove a fraudulent tradeline that is reporting on my Experian Credit Report pursuant to 15 USC 1681c-2, The tradeline is with XXXX XXXX with Account Number XXXX and XXXX. 

These accounts DO NOT INCLUDE XXXX XXXX XXXX 

I have attached proof of Notice of Identity Theft, and My Identity theft report from the FTC. 

Experian has NOT blocked this tradeline from my credit report. It has since reappeared on my report. 

This account is to be BLOCKED INDEFINITELY as it was not opened by Me. 

Please see all of my attachments as proof of delivery and Notice of Identity Theft to Experian.
Product: Checking or savings account

Someone who is not me used my email address for a checking account and debit card with Chase. Chase has been sending me notices, including most recently a fraud notification notice, to this unvalidated email address. Although the account is not tied to my SSN, I am deeply uncomfortable with Chase sending fraud notices to unvalidated email addresses! Please follow up with Chase to let them know that they are putting their customers at substantial risk! 

( I am a Chase credit card customer, but do not have a debit card or checking account with them. )
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX XXXX  BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC XXXX XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$170.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

Despite several requests to XXXX XXXX XXXX, in addition to the credit reporting agencies of XXXX, Experian and XXXX, original creditor has refused to remove an account from my credit report that exceeds the allowed reporting period. XXXX XXXX XXXX account number XXXX continues to report a " paid was 120+ '' status on my credit report despite a last payment being made seven plus years ago. The reporting of this antiquated account has severely harmed my true credit history and dramatically dropped my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint regarding a personal loan originally serviced by Ally Lending ( now transitioned to Synchrony Bank ), for which I was promised a promotional interest-free period if the loan was paid in full within the designated timeframe. 
To meet this requirement, I set up automatic payments of $ 120/month. When I called Ally Lending to confirm the recurring payment amount, a bank representative verbally advised me to set the amount at {$120.00} and never mentioned that this would leave a {$9.00} balance unpaid by the end of the promotional period. This conversation occurred over the phone, so unfortunately I do not have a written record but I followed their instructions in good faith. 
By XX/XX/XXXX, I had paid {$2800.00} through autopay. I was never informed that my balance was {$9.00} short of the full repayment amount. Ally failed to notify me of this minor shortfall via email, phone, or account alerts. They inconsistently sent auto-payment reminders, sometimes skipping emails altogether, which caused confusion and made it difficult to track my balance despite making every payment on time. 
Then in XX/XX/XXXX, during what I now know was the final month of the promotional period, my loan was transferred from Ally Lending to Synchrony Bank. This ownership change further obscured the status of my loan and added another layer of confusion, ultimately preventing me from discovering and resolving the remaining balance before the promotional deadline. 
After the transfer, I learned that interest had been applied retroactively because of this {$9.00} shortfall. When I contacted customer service, they told me it was solely my responsibility to ensure the full balance was paid, regardless of the fact that I followed their payment guidance, used autopay, and never received clear notice of the underpayment or the promotional deadline. 
I believe Ally Lending acted in bad faith and did not reasonably inform me about my account status or the consequences of such a minor discrepancy. This {$9.00} should not have triggered full interest charges, especially given that I relied on their payment guidance and received no timely or clear communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Equifax, a nationwide credit reporting agency, for their gross violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and California Consumer Law. Equifax 's response to my debt validation request, dated [ Date ], has disregarded my consumer rights, causing significant financial and emotional harm. 

On XX/XX/2023, I submitted a debt validation request to Equifax, disputing inaccurate information on my credit file. In response to my request, Equifax replied with a letter dated XX/XX/2023, in which they stated that the information provided as proof of my identity did not match the information on my credit file. Consequently, they demanded additional documentation to verify my identity and current address, despite my provision of legally recognized proofs of identity, such as my California identification and Social Security card. 

Equifax 's request for additional documentation beyond what is reasonable for identity verification constitutes a clear violation of the FCRA. The Act requires credit reporting agencies to conduct a prompt and reasonable investigation upon receiving a dispute, ensuring the accuracy of the information they maintain. Equifax 's actions, however, suggest a deliberate attempt to stall the validation process, causing undue hardship and financial strain. 

Moreover, Equifax 's refusal to validate the disputed items on my credit report has unjustly denied me credit opportunities, leading to adverse effects on my financial standing and overall lifestyle. My ability to secure loans, obtain reasonable interest rates, and find suitable housing has been severely impeded, resulting in significant financial strain and emotional distress. 

Equifax 's actions also raise concerns about potential violations of California Consumer Law. Under California Civil Code 1788.50 ( g ), I have the right to request " validation '' of the debt. Validation entails credit reporting agencies, such as Equifax, providing specific information about the debt, including the nature and amount of the debt, the name of the original creditor, and verification that I am responsible for the debt. Equifax 's failure to adhere to this requirement constitutes a violation of my rights under California Consumer Law.
Product: Mortgage

My loan servicer, Flagstar Bank, incorrectly force placed flood insurance on my account on XX/XX/2020 for {$4200.00}. After detecting the error and contacting Flagstar Bank, they indicated a refund would be processed as they affirmed their error in not paying my existing flood insurance timely which caused the cancellation. It is important to note my account has escrows, the balance was sufficient to cover the cost of flood insurance and the flood insurance provider sent the renewal declaration timely. After checking my account to ensure the refund was processed, I discovered it was a partial refund of {$3400.00} on XX/XX/XXXX instead of a full refund of the {$4200.00} charged in error. I contacted Flagstar Bank again upon which they affirmed their processing error and initiated a research ticket to resolve and credit the account. I waited patiently for ~30 days and checked my account again to determine if the refund was processed. To my displeasure, it was not. I contacted Flagstar again upon which they affirmed the error and I requested the item be escalated and resolved by the end of the week. The end of the week has passed, I have not heard from Flagstar Bank and my account has not been credited the {$710.00}. While I understand the pandemic likely contributed to the issue as my policy expiration date was XXXX, I have made effort effort to resolve the issue with the servicer and feel this is the best course of action to draw attention to an issue that may be pervasive across mortgage servicers and ensure the {$710.00} is refunded in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis Risk Solutions reported an at fault accident ( XX/XX/XXXX ) on my behave. This is inaccurate! I have police reports to supply if needed. I was also fully insured at the time of the rear end accident that I was in. A copy of City of XXXX IL Police accident report # XXXX can be referenced and sent to your agency. Please direct me on how to correct this inaccuracy.
Product: Checking or savings account

a checking account was opened with TD Bank under my personal information without my permission.
Product: Debt collection

I've contacted synchrony Bank numerous times before they sold this account to portfolio recovery. I also disputed through XXXX XXXX and they broke fair Debt collections act by not getting me the correct information in a timely manner. The last time I disputed was XX/XX/13 ... I just received statements on XX/XX/XXXX. They said my dispute is not valid because I didn't send them the correct information. I don't have to send them information because they're the ones that are supposed to verify the debt. I've enclosed copies of letters and stuff that show that they did not comply to the fair debt collection practices.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the necessary documentation to the Federal Trade Commission ( FTC ) regarding this fraudulent account. Following this submission, XXXX and XXXX promptly removed this account from their records.I have also contacted the company associated with this account directly, and they have confirmed the removal of the account from their records. Thus, I am perplexed as to why this account continue to be reported by your bureau. It is crucial to recognize that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only breaches this duty but also subjects me to further harm. 

XXXX XXXX XXXX, XX/XX/XXXX
Product: Credit card or prepaid card

This is regarding the Discover credit card. I had XXXX $ of credit limit as of XX/XX/2019. Today ( XX/XX/2019 ) I have suddenly received an update saying that my credit amount was overused. I went on and checked just to find out that my credit limit was reduced to XXXX without any prior information. I have never missed a payment and never made a late payment in my whole credit history. Now this over usage has made me loose over 60 points of my credit score. I have tried to contact the credit card company but they didnt give me any proper explanation. I want someone to help me fix my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have attempted to contact the bureaus regarding my previous addresses and erroneous names. I currently have reporting through TransUnion my name under Also Known as : XXXX XXXX XXXX XXXX which is erroneous. They are also reporting XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX FL XXXX that needs to be removed. XXXX is reporting erroneous previous addresses under XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2018. As for XXXX, they are reporting erroneous addresses under, XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX
Product: Prepaid card

On XX/XX/2023 I purchased a Visa card from a local Kroger store. I loaded {$500.00} on the card and gave it to a homeless couple. The card will not work. 
The is issued by U S Bank National Association. I have called the phone number on the card four times. Three of the four times I was getting no assistance, was told the card was registered to someone else, ( I never registered the card at all ) and asked to speak to a supervisor. I was place on hole then cut off. The last time I called I was told submit a government issued ID, a copy of the front and back of the card, proof of ownership, and use the phrase " Please reissue a new card to my name and address. '' I was told to fax this information and that an email address was not available. I refused to send my picture ID and was told nothing can be done without that
Product: Mortgage

I sent two money orders each for {$1000.00} in XXXX of XXXX to be applied to principal. When I got my XXXX statement and that payment didnt show I contacted them and they said they didnt have it. I contacted XXXX XXXX and they provided me with copies of both and back of the cashed orders. I forwarded them to the servicing company. They have them on file and still nothing has been done. They have had the copies, which both clearly show my account number, address and signature since XXXX of XXXX. I have contacted them on more than ten occasions and get the same response every time, we are looking for them. I have asked to speak to whoever is looking for them or a supervisor or anyone else that might help me and am told that they cant do that. The last person I talked to said they were probably applied to the wrong account and they would have no find that before they could apply it to mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Letter to Remove Inaccurate Credit Information To : Whom It May Concern : I received a copy of my credit report and found the following Item ( s ) to be in error : Please delete the following mis-reporting or not proven compliant, alleged information found on my credit report. { Inquiry Creditor Name, Inquiry Date ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian I did not authorize or sign for any of these inquiries and by the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 

It is my understanding that you will recheck these items with the creditor who has posted them. Please remove and information that the creditor can not verify. I understand that under 15 U.S.C. Sec.16811 ( a ). 

You must complete this this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this update report. 

I also request that you please send notices of the corrections to anyone who received my credit report in the past six months. Thank you for your time and helping this matter. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend school and will be attend college next year please help me clear this up my. Future depends on
Product: Checking or savings account

Bank of America charges a XXXX $ maintenence fee despite the account in questiom being above the required amount for fees to encure. The account also had a monthly deposit of XXXX $ into it, another requirement by the bank if you want to avoid the XXXX $ monthly fee. Despite all this, I still have XXXX $ taken from the  account for a " maintenence '' fee every month. 
I went to meet with a banker the first time I noticed this and was under the assumption that the issue had been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my identity was first compromised, I reported it and requested for these unknown and unauthorized accounts to be removed and yet the credit reporting agencies still hasn't taken the proper action to do so. So before taking further action on my end I'm demanding that these unauthorized accounts be removed and blocked immediately. The following accounts are not mines. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Account {$3700.00} 3 ) XXXX XXXX XXXX {$2000.00} 4 ) XXXX {$410.00} 5 ) US Dept of ED/XXXX {$1700.00} 6 ) US Dept of ED/XXXX  {$3500.00} 7 ) US Dept of ED/XXXX  {$200.00} 8 ) US Dept of EDXXXX {$900.00} 9 ) US Dept of ED/XXXX {$350.00} 10 ) US Dept of EDXXXX {$1700.00} 11 ) US Dept of Education {$490.00} 12 ) US Dept of Education {$1000.00} 13 ) US Dept of Education {$1000.00} 14 ) US Dept of Education {$3700.00} 15 ) US Dept of Education {$290.00} 16 ) US Dept of Education {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

as a XXXX XXXX XXXX XXXX XXXX  I have my personal information stolen from individuals that i let live in my home