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

In XX/XX/XXXX, I cahsed out a check {$3100.00} my friend gave to me one month ago at US bank XXXX XXXX and the check was bounced ( my friend forgot about the check ). I went to the same branch fixed it right away by depositing some cash and a new check XXXX given by the same friend and he was apologetic. I was told to wait meanwhile my account was on hold. The branch was trying to fix it with me to save my account telling me it should be fine by the next week. Weeks later, my account was under closure after I called the customer service. Meanwhile I emailed my account manager from the branch where I opened my account, US bank XXXX XXXX XXXX, in XXXX LA, and informed him about what happened and asked him to help me keep my account. I got no response. So I emailed the manager XXXX XXXX for help and no response. I had a direct deposit to this account for about {$900.00}, and I called the XXXX branch and I was told that if my account is closed and I should get a check fromt he bank after they close my account. It's been more than 2 months I've been waiting, a few weeks ago I called the XXXX branch again and they didn't see the check mailing out, so they asked me to contact my branch manager, XXXX XXXX. So I called XXXX branch and asked for XXXX XXXX 3 times and I was on hold for average 12 min on the phone and no response. So I rang XXXX XXXX XXXX asking for help cause I had not got any responses after I left him a few voice messages and emails. XXXX XXXX XXXX told me on the phone that my case went to fraud department and it was out of his hands, and I was asking which number I could call or any department I should contact about my check. He told me to get back to me and never did, I emailed him one last time in XXXX XXXX for the number he was going to give to me and no response. It's been 2.5 months and quite frustrating when no one respond, no one cares. I determined to close my account when dealing with a bank like this. I am still a credit card holder of this bank and the way they treat this case and their customer is just unreasonable and rude. I don't know why they keep ignoring this when the help is needed. Right now I intend to get my money back, since that's how they treat the customers, I would never have any business with a company like this, it is obsurd. Please help me to get them respond and send me my money remained in that account. 2.5 months, no responses, no explainations whatsoever. I don't know what they are doing, such a shame.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spring of 2018 I was denied for an apartment complex and I was advised by them that they used a sort of Rental Equifax bureau. I check my credit regularly and never saw any of the information that they had. I tried contacting Equinox and spoke with two departments that which refused to provide me information on how to obtain/request my renter 's report. The rental equifax is a consumer reporting agency WITHIN Equifax that is reporting information on me that they refuse to allow me to see. According to the apartment complex, there was some sort of eviction on my record and I'm for certain that it is the result of fraud/identity theft, but because Equinox isn't cooperating, I can not get to the bottom of it.
Product: Credit card

Immediately after I sent Synchrony Legal Department a FOIL request, I discovered online on XX/XX/XXXX that my Synchrony Belk Mastercard credit limit was decreased without notice from {$2000.00} to {$250.00}. 

I am copying and pasting the letter that was sent via certified mail to the Synchrony Legal Department. In addition to seeking the records already requested in the letter, I am asking for an explanation in the credit limit decrease mentioned above. 

XX/XX/XXXX Synchrony Financial Legal Department c/o Corporate Secretary XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Via Certified Mail : XXXX XXXX XXXX XXXX XXXX XXXX RE : Freedom of Information request Dear Synchrony Legal Department : This correspondence serves as an official freedom of information request pertaining to several Synchrony credit card accounts ( Care Credit and Belk Rewards Mastercard ) that were registered under my Social Security ( XXXX ) from approximately XXXX to the present. I authorize you to search for these accounts listed under my Social Security number. 

I am requesting you send me the following within 30 calendar days : 1. Copies of all annual accounting ( tax ) documents for each of the two different accounts specifically the forms 1099C ; 1099A ; 1096 ; 1099 OID ; INC ; PRC. 
2. The complete agreement, full terms and conditions and disclosures for each of the two different accounts.

3. All documents relating to the securitization of each of the two different accounts.

4. Copies of correspondence Synchrony sent to cardholder XXXX XXXX regarding the securitization of the accounts. 
5. Copies of all Synchrony N.A. Uniform Commercial Code ( UCC ) filings for the two different accounts.

6. Any documents ( certified ) proving Synchrony used their own assets to finance the three accounts.

7. Any correspondence Synchrony received from cardholder XXXX XXXX from XX/XX/XXXX to the present to authorize Synchrony to check her credit report and to authorize Synchrony to furnish to the credit reporting agencies at any time. 
8. GAAP Bookkeeping entries for the two accounts in question.

9. The full name and contact information for the Synchrony registered agent who accepts summonses and civil complaints on behalf of Synchrony. 
Sincerely, /s/ XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$16000.00XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$6900.00} XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ( Original Creditor : XXXX XXXX ) XXXX Balance {$230.00} XXXX XXXX XXXX XXXX XXXXXX/XX/scrub>XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you promptly remove any claims that have been reported in a manner that is non-compliant and unfair to me. This correspondence serves as my official consumer complaint, wherein I contest the accuracy of the claims included in your notice and challenge you and any other data repositories involved to provide irrefutable evidence that each claim was made in strict compliance with the mandated XXXX XXXX Data-filled Field Formatted reporting standards, including the requirements of fairness, truthfulness, correctness, timeliness, verifiability, and validity. While I do not dispute the validity of the claim itself, nor do I acknowledge it, I do have serious concerns about the adequacy of its reporting, given that federal law mandates that any claim must be reported with the utmost accuracy and completeness. 
As per CRRG 3-4, I believe that the integrity of the claims reported by you is questionable at best and therefore potentially unlawful. I respectfully request that you take immediate action to investigate this matter thoroughly and provide me with a satisfactory resolution that upholds the principles of compliant reporting practices and procedures. 
It is imperative that you immediately and permanently adhere to federal and state reporting regulations in a factual and undeniable manner. The XXXX, responsible for creating the manual for reporting standards, has established requirements for compliant reporting practices and adequate, complete, and verifiable data submissions, and concluded that any deviations from these standards jeopardize the integrity of the data. Your reporting practices are questionable and do not meet even the minimal requirements for the privilege to report. You had the opportunity to report in a manner that is certifiably compliant, but your deviations suggest otherwise. As such, I contest your reporting privileges and challenge you to prove each and every aspect of requisite reporting and adhere to all required adequate practices. I demand that you remove from reporting exactly as I have requested immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting credit file confirmations that state the information [ wrong address ] was removed but it is still showing up on my credit report. I have requested that the information be removed over five times. It still shows up on my report. I never lived at that address. My Ex-husband lived their with his girlfriend.
Product: Debt collection

This debt has been turned over to 7 different collections company. this was part of a fraud case back in 2009. PART of the bankruptcy case. My Lawyer sued XXXX XXXXXX/XX/XXXX settled out of court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Made several attempts via certified mail regarding hard inquiry on credit file. Company failed to comply according to FCRA guidelines. Company failed to investigate hard inquiry. Also sent information via fax.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX both have my mortgage with Caliber Home Loan as being delinquent. 

I filed a complaint against Caliber Home Loan back in XXXX. You resolved the issue satisfactory. I refinanced with XXXX. My loan closed end of XXXX. My Caliber loan was closed. 

To my surprise, I checked my credit score and XXXX, XXXX and maybe XXXX now have my account as delinquent. 

I called Caliber and they confirmed I was never delinquent or late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX - XXXX, XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - 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.
Product: Credit reporting or other personal consumer reports

I'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. In accordance with the fair Credit Reporting act XXXX XXXX XXXX missed payments & I OWED {$2600.00} open XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX missed late payments & I OWED {$20000.00} open XXXXXXXX XXXX XXXX XXXX late payments opened XXXX, XXXX XXXX XXXX XXXX XXXX late payments on XX/XX/XXXX open XX/XX/XXXX XXXX XXXX XXXX XXXX  {$480.00} opened XXXXXXXX XXXX XXXX XXXX XXXX XXXX said I owed them {$8900.00} open XXXX They are not the Original Owners 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. 15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons. According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, TransUnion, XXXX, written permission to furnish these accounts.
Product: Debt collection

I just received derogatory mark on my Credit report. I was never mailed any invoice from Debtor. The Debtor may not have had my address on file and sent to an older address. I have been divorced and remarried for nearly 5 yrs now. This is the second time this has happened to me. Please help!
Product: Checking or savings account

I once had a checking account with Wells fargo and it was closed due to charges that was not authorized. They would look into it they just closed the account. I have tried to open a new one but have been denied. I do have my savings account but no checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX  XXXX and 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 reported in those account to be removed. 

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.

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! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX is reporting a dept of {$2200.00} on behalf of XXXX. I asked the company and the credit company of proof of this debt and have not received anything. I have not had XXXX since XX/XX/year> and the there was no remaining balance. Also, if there was a balance my rights are being violated with this being reported after the timeframe allowed for my state which is Texas
Product: Prepaid card

I received a {$50.00} gift card from my employer through MyPrepaidCenter.com. This card is extremely limited in the number of vendors it is accepted at. By the time I finally got around to using it the card had expired. I was charged a {$15.00} fee for a replacement. I feel that this fee is excessive for providing a replacement card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised while I was oversees serving in the U.S. Military between XXXX - XXXX. During this time XXXX XXXX XXXX and XXXX  XXXX XXXX   XXXX put several unauthorized hard inquires on my credit report. I have included the dates below. I have never authorized XXXX XXXX or XXXX XXXX to run a hard inquiry on my credit report. I demand these hard inquiries be removed from my credit report immediately. 

1. XX/XX/XXXX 2.XX/XX/XXXX 3. XX/XX/XXXX 4. XX/XX/XXXX 5. XX/XX/XXXX 6. XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of they are violating the Fair Credit Reporting Act. Please delete or remove any late payments from both XXXX XXXX XXXX  account credit cards from my credit report According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have any written permission. According to 15 USC 1681 I have the right to privacy. According to USC 15 USC 1681s-2 A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. I can go on and on, the credit bureaus have no respect for the laws and this is unfair. Someone needs to hold them accountable for this. I have sent multiple certified letters to credit bureaus with no response. XXXX XXXX XXXX XXXX  continues to violate the law by posting incorrect information on my credit report. I have already spoke with XXXX XXXX XXXX on multiple occasions and they continue to tell me that this will get resolved and it has not been.
Product: Money transfer, virtual currency, or money service

Case # XXXX. On XX/XX/2017 I sent XXXX of a bitcoin from my mobile wallet to Coinbase. Funds never appeared in my account. Coinbase customer support haven't responded to any of my emails and no funds in my account to this day.
Product: Credit reporting or other personal consumer reports

I am a victim of the Equifax XXXX XXXX I filed a claim it was approved but nothing has been done no monitoring no reimbursement for money I spent to try and fix the damage caused to me. They're inquiries on my credit that were not initiated by me and when I informed Equifax of the issue they refused to correct it. it is an ongoing battle with Equifax to keep an accurate Consumer report on me. currently, there are several XXXX accounts XXXX my credit report though I have only had one account ending in XXXX. I've filed several disputes and they remain on my credit profile, no other XXXX credit card was ever mailed to me or was ever in my position. Between Equifax and XXXX XXXX, my consumer right continues to be violated. see attached
Product: Credit card or prepaid card

Bank of America closed my account with no prior notification or indication they were going to close it. They emailed me a notification 3 days AFTER they closed the account telling me it was closed. They closed the account on XX/XX/XXXX and I received notification on XX/XX/XXXX. I called BofA and they told me they had closed the account due to inactivity and they do not send notices letting people know they are going to close the account before they actually close it. I asked them to reopen the account and they said I would need to apply for a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 

XXXX Balance : {$31000.00} ; XXXX XXXX : {$16000.00} XXXX XXXX  XXXX Balance : {$2900.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX Balance : {$12000.00} XXXX XXXX XXXX : {$17000.00} ; XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$680.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2021 by USPS certified mail to XXXX, Experian, and XXXX, disputing inaccurate information they are reporting to my credit report and they failed to send me results of any investigation! They are in violation of the Fair Credit Reporting Act by continuing to report unverified/inaccurate information to my credit report and I demand they immediately reinvestigate the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

they saying my current add is not on their file, and wont sent report. I know they lying cause Transunion has my current add on file.
Product: Debt collection

I have asked VANCE & HUFFMAN LLC to send me a letter stating to send me proof of purchase from this company. I have never received a service or purchased anything from this particular company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been reporting on my credit report each month and the account has been closed and removed from my credit report months ago. For some reason its back on my report and they company is still reporting like account is open. Once item has been removed from credit report it cant be placed back on my report unless you send me proper documentation. I haven't received any documentation. I was in a car accident and the insurance company paid the car off and XXXX received the check and cashed it. Please remove this negative account as its in violation and can be litigated due to the violation. 

XXXX XXXX XXXX {$11000.00}
Product: Mortgage

Spoke to freedom mortgage at least XXXX times. My mortgage payment went from {$740.00} to around {$900.00} dollars. They told me they over paid my taxes. Said they paid over {$3000.00} when XXXX XXXX XXXX XXXX told me 2x they only paid the right amount {$1000.00} dollars. Also I paid directly to my insurance company XXXX XXXXXXXX and several times freedom mortgage told me the paid also and I need to get my money back from them. The county tax office tells me freedom mortgage is lieing to me and my insurance is telling me the same. Freedom mortgage state I owe them for their over payment of taxes. XXXX XXXX states they didnt over pay and I will not get a reimbursement of what freedom mortgage states they over paid because they paid the right amount. 
Freedom phone # XXXX XXXX XXXX XXXX XXXX TX. XXXX Thank you XXXX XXXX