23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am filing this complaint regarding XXXX Bank which wrongfully closed my XXXX Account with them for unknown reasons. This illegal closure of my account resulted in my becoming homeless and destitute. 

I have been contacting them every week recently to try and recover the funds that I had deposited of my SOcial Security XXXX into this account with no success.. 

This has made my XXXX worsen. I have Chronic XXXX and XXXX and the money I had deposited in the XXXX XXXX account was meant to be my savings including for my retirement. 

I know I am doing the right thing as a consumer that believes the law must serve the consumer. XXXX 's mishandling of my hard earned Social Security XXXX XXXX XXXX is grossly unfair and I am seeking the full recovery of these funds.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Date open XXXX XXXX {$1200.00} XXXX a victim of identity theft and this account was not created by me. Account published by XXXX and Transunion. 

XXXX XXXX Bank XXXX. XXXX Date open XXXX XXXX {$660.00} XXXX a victim of identity theft and this account was not created by me. Account published by Transunion.
Product: Money transfer, virtual currency, or money service

I sold XXXX totaling XXXX on coinbase on XXXX/XXXX/XXXX at XXXX AM ( reference code XXXX. XXXX was supposed to deposit XXXX into my bank account however I have received no money. 

I submitted a ticket, the only way to contact them, and have been ignored. I would like my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts with the following credit bureaus : XXXX XXXX, Experian all in certified-mail format. Enclosed were detailed information about inquiries, erroneous information and XXXX XXXX XXXX when they have received a judgment against them for defrauding consumers with these credit bureaus will not remove this information from my credit profile. An addition to all the inquiries I challenged as inaccurate information. I have disputed them numerous times on their websites and by certified mail. I am reaching out to get this matter resolved ASAP so as to improve my quality of life and receive the credit I have deserved and earned.
Product: Debt collection

I was a student at XXXX college and paid {$5700.00} for first quarter and second quarter I took out a loan in the amount of $ XXXX.XXXX College closed their doors without notice to students. XXXX attempted to do a teach out but was denied by state XXXX XXXX. Students have lost credits which are not transferable to other colleges and we will not get our money back on previous amounts paid to that school. Never once was I informed I had a balance while attending school. They closed their doors, no one can be reached to answer questions, and they send students to collections without explanations to why balances are owed. When I contacted Key 2 recovery on the collection balance I was told by XXXX it was in my best interest to pay or it would be reported to the credit bureau. I am seeking help to resolve this issue. XXXX never notified me I had a balance thru email, mail or as a student. I think it is unfair as to the way everything with the closure has been handled and at the end we lost credits, money and now threats from a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I have been disputing, inaccurate accounts on my credit file up until now currently. I sent over 8-10 dispute letters to XXXX XXXX and TransUnion along side with my FTC report that these accounts showing on my credit it's inaccurate and its not mine how ever I sent numerous letters after that asking for verification of the accounts the said was verified, I never received that prove of verification. I went ahead and dispute with creditors but I never received any reply to my dispute I then forward all this information to the credit bureau 's and they still didn't remove the inaccurate accounts from my credit report, I then compare details of the account 's showing from all three credit bureau 's with different information reporting which I pointed out on the credit report I pull from identityiq they all was reporting different information on my credit file and with this act its hurting me and very stressful knowing I did everything correct and they still decided to report inaccurate information on my credit report.
Product: Credit card or prepaid card

Initial letter to denial for line of credit sent on XX/XX/XXXX : I am writing in response to your decline of my application for a SYNCB Electronics Online account. The refusal explanation letter is dated XX/XX/XXXX the request occurred around XX/XX/XXXX. The reason stated was insufficient or lack of credit history. 
The letter stated that this was based on credit reporting from XXXX  Credit Info Se and XXXX. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total lines of credit 11. Credit utilization 2 %. 
My XXXX  credit score as of XX/XX/XXXX is XXXX. Total open accounts 10. Credit utilization 1 %. 
This is very disappointing and very difficult to comprehend that you would restrict my ability to get the immediate savings on my {$2000.00} purchase ( that required your credit card ) based on somehow not approving my application based on my credit reports. 
Based on my rights under the Fair Credit Reporting Act I am requesting further explanation regarding why my application was denied. The reason given in your XX/XX/XXXX letter does not appear valid. 

Response from Synchrony Bank received on XX/XX/XXXX : Thank you for your request for a second review of your SYNCB Electronics online application. We remain unable to provide any further details regarding the reasons why the application was declined and are unable to approve your credit request.
Product: Credit reporting or other personal consumer reports

This a formal complaint that there is inaccurate and incomplete credit information. I am distressed that that the information included in my credit report profile, and have failed to maintain reasonable procedures the operations to assure, maximum possible accuracy in the credit reports that are published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information, therefore needs to be re-investigated. I respectfully request to provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from my credit report as soon as possible : XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : XXXX. The item listed is entirely inaccurate and incomplete, and as such represents a very serious error in the reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. FCRA 15 USC 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Debt collection

NATIONAL CREDIT ADJUSTMENT XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4100.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Debt collection

I am unaware of this debt, I did not have the opportunity to dispute this debt. 
I did not received proper notification, if in fact you believe I received proper notification, please provide the certified mail with a receipt with my signature on there stating that I received it.
Product: Mortgage

President Trump sent emails about the moratoriums that were in place because of covid-19 and that all foreclosure sales and hearings were set aside until XX/XX/2021. Every foreclosure sale and hearing was set aside XXXX in the XXXX judicial circuit except XXXX XXXX. This caused XXXX XXXX to sell my home of 31 years to XXXX for XXXX on XXXX. The chief Judge, XXXX XXXX presiding at the time allowed this to happen. Judge XXXX XXXX wouldnt allow me to introduce emails I received from the White house signed by President Trump in any hearing as evidence. The presiding Chief Judge XXXX XXXX honor my request to recuse himself but dishonored my request to change venue. XXXX appointed Judge XXXX XXXX to honor a writ of possession fir the XXXX XXXX to remove my grandson and myself on XXXX from XXXX XXXX XXXX XXXX. The new moratorium that now in place and these judges dishonoring a presidential moratorium order set themselves each up to be charged XXXX fine plus a year in jail. All of them basically stated that the covid-19 pandemic affected everyone in the United States except XXXX XXXX.
Product: Consumer Loan

I paid for as long as I could on a {$6000.00} loan. I lost my job, and now I am on Social Security. 

The debt was apparently bought/sold to a new company, and I believe they have violated the FDCPA by : 1. Refusing to validate the debt, and instead trying to serve me and sue me 2. Collecting past the statue of limitations for TN, which is six years from the date of the last payment. They claim I made a payment in 2012, I did not, and they will not provide ANY proof that I did. I need the Federal Government 's help.
Product: Credit card

On XX/XX/year>, Bank of America processed a payment of XXXX to pay off my credit card balance. However, the credit card only has a balance of {$540.00}. 

The problem statement is Bank of America overpaid this credit card account by {$1600.00}.
Product: Credit reporting

Equifax shows I have a hard inquiry from XXXX on my credit report on XXXX/XXXX/2016. I did not authorize a hard inquiry during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX. There are also 3 accounts that does not even have a name but it shows the account numbers XXXX, XXXX, XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information reports inaccurately and I believe that I am a victim of identity theft or multiple accounts have been mixed merged with other credit reports. My name is XXXX XXXX XXXX on my credit report XXXX has listed me as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Equifax reports my middle initial as XXXX which is also not accurate. On XX/XX/2021 I sent a request for the inaccurate names and addresses to be removed and as of today XX/XX/2021 the inaccurate information continues to report. Please see the attached credit report and letters submitted to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX violated U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Ive sent numerous certified letters over the last 18 months! Nothing has been done!
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX - XXXX {$6000.00}
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Debt collection

Debt Collector : XXXX XXXX XXXX XXXX XXXX have been making collection efforts and activities by reporting trade lines in consumer 's credit report TWO times per month for past 24 months, consumer sent a Dispute and Validation that the Consumer owes any monies to XXXX XXXX XXXX XXXX XXXX, but the debt collector failed and refused to respond to the Consumer at all. Please see attachment as to the specific details.
Product: Debt collection

They are claiming that I have a debt with XXXX and them .... I called to confirm that I have NO debt with XXXX and they are harassing my family and i to pay them money that we do not owe.
Product: Credit card

I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.
Product: Checking or savings account

I use my debit card in my phone frequently. I realized my debit card was missing XX/XX/year> but didnt immediately report as I thought I just misplaced. On XX/XX/year> I got fraud alert and immediately cancelled my card and reported charges that I didnt make. The Truist employee said these charges were pending and could drop off. The charges didnt drop off so I then again reported the fraud. I was told the claims were all denied because I used the wallet in my phone around same time and place as charges. I do not feel as though my claims were properly investigated. The bank at first acted like it was all going to be ok so I didnt file police report but I obviously should have. I am currently trying to get the receipt from the restaurant the person who took my card went to. I just would have thought that would have been a part of the banks investigation but they denied everything based on me using my phone wallet around same area.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I borrowed from Big Picture Loans the sum of {$800.00}. The first payment of {$220.00} was withdrawn from my account on XX/XX/XXXX with same amount of {$220.00} having with drawn on the subsequent dates of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX all totally {$880.00}. Instead of applying my payments to both the principle and the interest, I was horrified to learn that Big Picture Loans applied the {$880.00} to the interest only.

On XX/XX/XXXX I went to my bank and revoked Big Picture Loans ACH Authorization. I also, emailed a letter to Big Picture Loans informing the that their ACH Authorization has been revoked. To which their response was that I still owed them {$4700.00} on an {$800.00} loan. When I applied for the loan, I was told that if I paid the loan back early that the {$5000.00} plus payment would not apply. I paid the money I borrowed plus {$80.00} back in 2 1/2 months.

Big Picture Loans is claiming Tribal Sovereignty as an excuse to con their customers into paying ridiculous amounts in interest payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car payment was paid off and it shows we were late. When the car was traded in we werent late on the Payment. The company sais they would fix my score but they havent. Its been over a year