23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please refer to previous claim # XXXX for entire complaint from the beginning. On Thursday XX/XX/year> I called Citibank and tried to negotiate a settlement and explain the root cause of the issue and she refused to negotiate with me. I asked that all late fees and added interest be dropped as the initial cause of the problem was the lack of billing. Last XXXX in the middle of a fraudulent charge investigation they failed to send me not only a statement but an itemized statement. That was a red flag to me as it would be for anyone after all the fraudulent charges that had recently occurred. The statement I received the month after only showed a dollar amount owed without being able to identify the charges. I had spoken to the call center multiple times trying to identify the charges and request an itemized statement which they never sent. At XXXX point the call center rep and I had identified my charges and I made a payment and the agreed to close the account. The call center apparently was unable to understand our conversation. The root cause of this matter has been their lack of billing and lack of communication between the call center, the XXXX XXXX department and other representatives. No one has any idea what had been going on based on all the phone conversations I've had with them.
Product: Debt collection

When i called sunrise collections in XXXX XXXX  they ask me for my information, I gave them my name address and phone number. I told them the account with XXXX XXXX XXXX XXXX XXXX was not mine. They told me i need to file a dispute and they sent me a form to fill out with all my information. I did not trust them with my information, so I filed a dispute with XXXX and XXXX removed the sunrise post from my credit post. On XXXX XX/XX/2024 the Sunrise collections came back on my credit report so i refiled a dispute with XXXX.
Product: Credit card

Since was I not provided with all services that I paid for with dental practice, XXXX XXXX XXXX, XXXX XXXX XXXX, that I paid in full in XX/XX/2024 with my Synchrony credit card, I have filed XXXX disputes with Synchrony Bank. The amount I am disputing is {$890.00}. I have provided a ton of supporting documents proving that the provider did not complete services I prepaid for. I also provided documents and receipts for drs who I had to pay for the services that aforementioned provider failed to provide. To summarize, I paid for the same services twice! Synchrony credit card fails to contact me via phone, they fail to read all documents I provide, they have in the past insisted that they arent getting all docs when I have confirmation that all docs were submitted. They are declining my dispute 3 times now. I want the dispute to be managed properly and Synchrony credit card isnt capable of this task..they are unethical and bias towards providers. I want my {$890.00} that stolen from me by XXXX XXXX XXXX returned. I have proven my case to Synchrony Bank XXXX times and they refuse to consider the facts!
Product: Credit reporting

This agency hireright.com, aka XXXX, provides driver and credit data to companies looking to hire people. For the past 10 years i have disputed and disputed the incorrect data and they have not corrected it. I have suffered incalculable economic damage in the form of lost job opportunities because of these people. It was so bad that I was party to a class action lawsuit in which they lost and received a small settlement about 2 years ago. Even now my work record, consumer data, and even my name is n't being reported correctly in their reports and they refuse to address it. They will say otherwise but I was just informed today that i was not being hired because of this information by XXXX.
Product: Credit card or prepaid card

I recently travelled to XXXX, as I have many times. This was the first time doing so where I used my XXXX Debit/Credit Card I have with Ally Bank. Upon return home, I was reviewing my credit card transactions and realized that Ally Bank ( Mastercard ) was not converting the XXXX $ to XXXX $ as is expected and as happened with any other Debit/Credit card that I have used over the years when travelling to XXXX and other countries. 

They were charging the XXXX $ amount to my XXXX $ account on a one for one basis, ignoring the currency conversion from XXXX $ to XXXX $ as is suppose to automatically happen. 

I contacted Ally Bank and they refused to rectify the problem by issuing the appropriate credits to cover the lack of currency conversion that is normal and suppose to automatically happen. They made the lame and illegal excuse of saying it was not their problem, it was XXXX and therefore I had to contact XXXX. On the telephone they even tried to argue that this non conversion from other currencies is normal practice by banks. Not only is that completely a false statement, I have been using other bank cards for many years and the conversion is done AUTOMATICALLY. This is the first time in over 30 years this has ever happened. 

I do not do business with XXXX, I do business with Ally Bank and it was Ally Bank, not XXXX   that issued the card to me and it is Ally Bank that I log into to see the posted debit/credit card transactions and therefore they are responsible for the errant transactions that did not do the currency conversion and if something needs to be done with XXXX to fix it, then THEY ( Ally Bank ) needs to work that out with XXXX, not me. 

I have attached two documents : 1. Showing the transactions from my Ally Bank online ledger of my account. 
2. Their written response to my dispute.
Product: Credit card or prepaid card

On XX/XX/XXXX, a fraud alert was emailed to me shortly after midnight from Barclaycard ( document submitted as part of complaint ). When I logged into Barclaycard, I saw transaction details for {$310.00}. The details referenced XXXX and a vendor named Pandakajiyo ( document submitted ). When I logged into XXXX, it showed a vendor name that I couldn't read ( document submitted ). I filed a dispute, as I had never done business with the merchant that XXXX listed. I also began receiving a large number of spam messages suggesting my XXXX had been hacked. I changed my password to XXXX as a precaution and spam messages subsided. 

On XX/XX/XXXX, Barclaycard sided with the seller on my dispute. Their reasoning was that the seller supplied some details. The details give no information as to what was supplied. In fact, it only gives vague statements ( document submitted ). We received no goods or services from the company, and at this point are still unsure what the XXXX vendor listed on the Barclaycard statement provided is or what it does. 

We have maintained continued contact with both Barclaycard and XXXX. Neither of them are able to help with this. 

In summary, our XXXX was hacked and our Barclay credit card charged for something we never purchased. Neither Barclay, nor XXXX has been able to help us. It has been almost XXXX weeks now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of major identity theft. I never made these inquiries recently. I have a edit security freeze and fraud alert on my credit report. Trans union aloud inquiries to go through that was not done by me. 6 of them was made recently. They need to come off. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

There were a large sum of illegal purchases on my card. I called and they removed the estimated {$900.00} on my credit card. Then I had a credit on my account because I continued paying on my card to avoid anything being put on my credit. They never replaced my card after that and the charges were mysterious put on. I can not get a straight answer but the charges aren't mine and I would like the charges removed and the money I have paid credited back to my account with a new card issued.
Product: Credit card

I have a Wayfair account through CitiBank credit card company. The Wayfair account shows a credit card ending in a different account that I never had a card for. I've tried to resolve this with CitiBank previously on the phone, email, etc. and they still are not providing any proof of a purchase made by me and my Wayfair account has a XXXX balance because I did pay for my prior purchases with them. I have steadily asked CitiBank to provide proof because they have not. They call and leave messages on my phone from robocalls for debt collection and I know that's illegal, especially since I've asked them to provide proof because I have been a victim of Identity Theft in the past and again recently on 2 other credit cards that scammers have made purchases that I have no clue what the items were and where they went. I am tired of CitiBank harrassing me and causing my credit score to drop. They are a scam company I do believe. 
My account online at Wayfair is a XXXX balance. When I log onto CitiBank website, they have a balance due so they are not on the same page as Wayfair and I'm tired of their scheming.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal request for a re-investigation of the account listed below. The previous item was claimed to have been accurate or verified. These are inaccurate and need to be corrected immediately. The payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the XXXX XXXX customer service representative XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX company repeatedly calls my job on a daily basis harassing me and my coworkers about a debt that I do not owe. I have asked them to stop calling my job on multiple occasions.
Product: Credit card or prepaid card

Ref : XXXX - card ending XXXX American Express Gold New card was opened as a brand new customer of the product ( never had this Gold card previously ) on XX/XX/XXXX XXXX XXXX. Referred new customer sign-up bonus was presented as XXXX MR ( Membership reward ) points for spending {$2000.00} or more within 3 months from approval date. My bonus eligibility was triple-checked using Amex 's own bonus/application eligibility checking website tool. It went through perfectly without rejections or warning notices about not getting bonus. Referred friend who introduced this product to me got his XXXX MR referral points. So, they know which product and bonus I signed up for. For XX/XX/XXXX approval, my physical card was shipped out on XX/XX/XXXX with major delay and finally received XX/XX/XXXX. Right upon receipt of the card, I called Amex service team and double-checked my bonus eligibility requirements and deadline and amount. I even requested for spending extension due to late arrival of the card. The service agent said it is still ok because I have 92 calendars days to spend {$2000.00} and ask me to call again to get extension if needed. The bonus detail was re-confirmed by the service again via phone on XX/XX/XXXX. After fulfilling spending requirement in XX/XX/XXXX and again XX/XX/XXXX ( about {$7000.00} USD ), Amex is now saying that despite fulfillment completion, due to misuage (? ) they can not issue XXXX MR bonus points to my account. They often use " misuage '' when a former customer takes advantage of receiving bonus by re-opening the same product account but my card is absolutely brand new. Never had anything like this. During application process, their own eligibility checking system failed and today is XX/XX/XXXX and they are not releasing due membership reward points to customer who satisfied all requirements. Clearly violating service agreement.
Product: Debt collection

XXXX XXXX from Cavalry Portfolio Services called for XXXX XXXX, another tenant in my building. She refused to give a contact phone number and disconnected when I insisted.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following items on my credit report. The accounts and transactions in question were opened and executed by an unauthorized individual, not by me. I did not authorize, use, or benefit from these accounts or transactions in any way. 

XXXX XXXX XXXX Total fraudulent amount : {$10000.00} XXXX XXXX XXXX XXXX Total fraudulent amount : {$2000.00} XXXX XXXX XXXX Total fraudulent amount : {$750.00} XXXX XXXX XXXX Total fraudulent amount : {$1300.00} XXXX XXXX XXXX Total fraudulent amount : {$650.00} XXXX XXXX A Total fraudulent amount : {$470.00} XXXX XXXX XXXX Total fraudulent amount : {$220.00} Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 USC 1681 SECTION 604 STATES RIGHTS TO CONSUMERS PRIVACY REPORTING AGENCIES CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are hurting my reports. 
Please see attachments
Product: Mortgage

On XX/XX/2016 we closed on a loan with Pure Mortgage and they did not include a final CD with the loan docs and all docs were stamped and pre dated. 
Pure mortgage told me to back date the CD and I told them I could not do that and they forged my signature on the CD so they can sell the loan to XXXX. 
The CEO XXXX XXXX acknowledged that someone forged our signatures and offer to remedy it by firing the person who forged our signature. After I asked for them to run the final CD it showed they were out of compliance and owed me a tolerance cure of {$3100.00} and they stopped payment on the check. 
They also increased our income amount on the loan application. 
Fraud was done in order to complete our loan and the company did not stop there as they forged our signatures on valuable loan documents in order to get a $ XXXX loan sold and they also admitted to that via phone. They did a lot of things that were un ethical and I am attached the supporting documentation.
Product: Checking or savings account

have an overdraft on my checking account and past due line of credit. Bank denied ATM card services, canceled all my ATM with no previous notice or notification. Calls are multiple just in XXXX day, for example on on XXXX at XXXX and XXXX total of XXXX calls XX/XX/2023 at XXXX started calling till XXXX with a total of XXXX calls in XXXX minutes. 
On the same day XX/XX/2023 they called again at XXXX, total of XXXX calles in XXXX minute
Product: Credit reporting, credit repair services, or other personal consumer reports

They claimed i have to wait the 2 years even tough i didnt authorize the credit pull
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Last reported : XX/XX/2018 {$21000.00} This account is closed and is part of a payment plan,
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed there are fraudulent accounts/ activity on my report.
Product: Vehicle loan or lease

I made a payment over the phone via automated payment, and I put a payment of XXXX dollars and didn't realize the payment was missing XXXX cents. Because of the missing XXXX cents it marked my payment history as late. This was an error.
Product: Credit card

Since XXXX of 2023, Synchrony Bank has been destroying my credit by closing nearly every single account with their bank. Every account was in good standing and I have not missed a single payment. 

My income has increased significantly, and I have been able to pay off a lot of debt. Apparently this XXXX them off, because Synchrony FALSELY and FRAUDULENTLY claims on their " closure letters '' that I have " lack of real estate secured loan information. '' As I have verified with my mortgage company and all three credit bureaus that my mortgage, is in fact, being reported on my credit files.This means that they have committed fraud in sending these letters. 

They also claim an unpaid collection. This collection account that is listed is not mine, and is in the process of being removed. This collection was on my report when I applied for the accounts that they have closed. I have since had several false collections removed, and was able to increase my credit score significantly from this, until Synchrony started closing accounts- some without any notice until I was at the cashier 's stand and was embarassingly told my account was closed.

Synchrony has also been pulling my credit report approximately every two weeks. WHY? I did not authorize this. No bank on earth needs to pull their customer 's information that often. It appears that they are hunting for something there, but what, I do not know. Perhaps they want to verify that the damage to my credit is complete so that they can sing and dance on my credit grave for their XXXX poor business practices? Who knows? 

My credit scores have now dropped nearly XXXX points due to their false and fake reasons for closing my accounts that were in perfect standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 30 ) days past due on the 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 incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Company name is SYNCB/Sams opened on XX/XX/2022 this account was closed and charged of as bad debt when in fact this account was inaccurate and sold to a 3rd party company for my information. I've disputed it online and through the creditors and company itself.
Product: Credit reporting or other personal consumer reports

XXXX XXXX sold my loan to XXXX on XX/XX/year>. XXXXXXXX XXXX officially took over the loan XX/XX/year>. During the transfer period, XXXX XXXX declared that I missed my XXXX ( XX/XX/year> ) mortgage payment ( even though they have record of my payment ) because they increased the amount due in escrow, and my automatic payment was for a lesser total amount. 

During the XXXX transfer of my loan, I was not able to pay XXXX XXXX the XXXX owed to escrow to supplement my XXXX payment. I also did not have an ability to pay XXXX as they had not set up my loan yet, it was still pending ( XX/XX/year> ). I was not told when the transfer to XXXX would complete. I was told not to do anything about this supplemental escrow amount by the customer service reps at XXXX XXXX as they said it would all work itself out in the transfer process and that it would not affect my credit. 

I wish to dispute this claim that I missed my XXXX payment, as I have record it was paid but not applied, and I had no mechanism to supplement the additional escrow. I can not dispute this claim however. 

When I call all of the phone numbers listed online for XXXX XXXX customer service, I get the same automated recording that asks me to give either my SSN or my Loan #, both of which result with the same response : " Your loan has been transferred to another lender, contact them. Goodbye. '' I can not get anyone on the phone to dispute this charge. I believe I, as a previous client of this lender, should be able to speak to someone to clarify this issue. I believe they are acting in bad faith with their lack of response to me to clarify a nuanced issue and the result is adversely affecting my credit report with lending agencies.
Product: Debt collection

I previously made a complaint to the CFPB that was resolved in my favor. AR Resources, Inc. responded that " Please be advised that AR Resources , Inc. has closed the consumer 's account and requested that it be deleted from the credit report. '' While they did delete it from my XXXX and XXXX reports on or around XX/XX/2016, they never deleted it from my XXXX credit report. They, they reported it again to XXXX on or around XX/XX/2016. They are also reporting it as open, even though they promised the CFPB and me to close the account and remove it from my credit reports. Please have AR Resources , Inc. follow through with their promise to the CFPB and me to close the account and remove it permanently from all 3 major credit reporting bureaus and any other credit reports or other parties they reported it to.
Product: Payday loan, title loan, or personal loan

In XXXX, my we applied for financing for solar panels through Mosaic at the guidance of XXXX XXXX XXXX XXXX XXXX. We were approved for {$56000.00}. This financing and subsequent solar project was contingent upon us getting a new roof. On XX/XX/XXXX, we chose not to proceed with this project and XXXX XXXX processed the cancellation, informing all necessary parties. 

On XX/XX/XXXX, Mosaic Inc. reported a {$28000.00} loan to XXXX impacting our credit reports This loan should not have been processed. Where have the funds been sent? Why is it a completely different amount than what was applied for and approved? How can any bank fund a loan and report it to a credit reporting agency in an amount different than the loan documents? And, if the solar company cancelled the project, who received these funds? At the end of the day, Mosaic Inc. funded a loan that should not have been funded in an amount other than what any documents would say without our permission or approval. 

This needs to be rectified immediately and removed from our credit report without any adverse action on Mosaic 's part.
Product: Credit reporting or other personal consumer reports

I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Today XX/XX/XXXX on credit karma a Hard inquiry for capital one appeared on my XXXX & XXXX report. I have not contacted company and have no accounts. CAP1/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX
Product: Mortgage

I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX XXXX, XXXX.