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

I opened a savings account for their {$100.00} bonus outlined here : XXXX XXXX XXXXally.comXXXX I completed 3 automatic transfers in XXXX, XXXX and XXXX per the terms. 

The bank is stating that I am not eligible for the {$100.00} bonus because I had an account back in XXXX. However, the terms clearly state that only those with accounts on or after XX/XX/XXXX are ineligible. My previous account was closed prior to XX/XX/XXXX. 

Language from XXXX XXXX XXXX  below :. Also note if you are already an Ally customer ( with any Ally product ), or has had any Ally account open since XX/XX/XXXX, you are not eligible to participate in this Program as a New Friend.
Product: Mortgage

Community Loan Servicing, LLC. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, Florida, XXXX, United States. 

XX/XX/2021, I mailed a cashier 's check to Community Loan Servicing, LLC., in the amount of {$4000.00} which was to be applied to the principal portion of my mortgage. In addition, I included a letter stating that the entire check was to applied to the principal only and this was also indicated on the check itself. Community Loan Servicing, LLC., took it on themselves to pay my XXXX and XXXX monthly payments, and {$2100.00} was applied to the principal of the mortgage. I called Community Loan Servicing customer service and the representative reversed the transaction and applied the entire {$4000.00} to my principal. They admitted that they made a mistake, but if I had not stayed on top of this blunder Community Loan Services, LLC. would have got away with misappropriating my cashier 's check money meant to be paid on the principal of my mortgage. Unfortunately, I would have continued to pay more interest on my outstanding balance which would have been a plus for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were utilized by some one other than me. My wife and I were scammed. We have had accounts with good standing, until someone stole our identity and mis used our names and social security numbers. THE FOLLOWING ACCOUNTS MUST BE REMOVED!!! If not, I will file a civil suit against all 3 bureaus. I am also requesting proof of signature which the credit bureaus should have on record 1 ) XXXX XXXX ( Balance ) {$3000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$8000.00} Opened : XX/XX/XXXX XXXX ) XXXX ( Balance ) {$6200.00} Opened : XX/XX/XXXX 4 ) XXXX XXXX ( Balance ) {$6600.00} Opened : XX/XX/XXXX 5 ) XXXX XXXX ( Balance ) {$1800.00} Opened : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis requested a valid police report. In my most recent dispute I have provided the police report REPORT NUMBER : XXXX. Additionally, the accounts were deleted from the other credit bureaus but then re-inserted back onto my credit profile. Innovis receives data from the other three credit bureaus that is reporting inaccurate information from these XXXX accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Lawsuit claims against XXXX engaged in unfair and deceptivec practices by forbrances and away from student programs and loans were given with high interest which is fraudulent and the interest was so high and being charged a continuing interest which make virtually hard to pay it. A loan for 10 000.00 ends bring 298 000.00 with incurring. Daily. My student is in question because of the almost 300 000.00. This practice has impacted my crefit negatively XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit card

I applied to synchrony bank for the following : LOWES Commercial card ( using XXXX ) XXXX Amazon Business Card ( using XXXX ) PayPal Buy now Pay later XXXX All cards were denied for the reason of not ring able to verify my identity, for the business cards it stated my business name could not be verified. Information was provided to contact XXXX and XXXX in the denial letter. I called XXXX and verified with them, as they walked me through how to access my XXXX  report that the business name is correct. Synchrony was wrong. 

Synchrony, at the time of application, for All applications mention above sent me a link and I had to make a video of my face and also take a photo of the front and back of my drivers license. I did this and continue to attempt many times. There kept being an error with accepting the license. It state it was too close then too blurry I kept trying until the link timed out, I then called synchrony bank to report the glitch and was told Id get a letter in the mail. Once I got the denial letters I asked for another way to verify my identity I was told that u had to apply again. My credit was pulled 4 times. Im trying to build my business credit and I wanted the Lowes and Amazon cards for this. The PayPal but now pay later was a personal application. Only synchrony gives me the identity error. My credit report for all bureaus has an alert that prompts creditors to call my cell phone to verify I gave permission for a credit pull. Some companies ask for ID and proof of address to be sent via an encrypted email, Ive never had an issue verifying my identity. Its simply unfair to give me credit pulls if the link that was sent was faulty and did not work. I should be told to apply again, this isnt fair to consumers. I was told by a synchrony bank rep that my number for my business ( XXXX XXXX XXXX XXXX ) did not match my application. She informed me that XXXX nexis was used. I asked her why the Denial letter cited XXXX XXXX XXXX. My XXXXbinformation is correct so XXXX XXXX needs to be updated. Synchrony bank used a faulty link to verify identity it would not accept my drivers license yet I get a denial and cited for unable to verify identity. I had pre approvals for the business Amazon and commercial Lowes card
Product: Credit reporting, credit repair services, or other personal consumer reports

The below email was sent Ally 's Financial prior to the negative late payment reporting notification that I received today. Please open a full investigation or call recordings and notes on my account that should prove I made the proper arrangements to avoid a late fee, negative credit report and negative account status. 

Thanks in advance, XXXX XXXX To Ally Auto XX/XX/18 To : Account Manager Only, XXXX : ***UNAUTHORIZED PAYMENT*** Last week, XX/XX/2018, I spoke with an account representative who advised that I had until Monday XX/XX/2018 to make the past due XXXX payment iao {$660.00}. He advised that the payment would have to be made before XXXX XXXX and that I would not be charged a late fee. The representative stated that my account would remain in good standing as long as the payment was made prior to XXXX XXXX and that he would note my account thoroughly. 

1. As agreed, I made a payment iao {$660.00} on XX/XX/2018 prior to XXXX XXXX 

2. This payment was made by a dear friend of mine, XXXX XXXX who authorized her bank card information. 

3. Someway, somehow, my personal check account was charged iao {$660.00} instead, in which I did not authorized, nor did I schedule any payment arrangements. 

4. XXXX Bank informed me that the transaction iao {$660.00} cleared at XXXX XXXX on XX/XX/2018. This transaction has been disputed. Please see the attached receipt showing the payment was made using another account. 

5. After speaking to one of Ally 's account representatives this morning who accused me of scheduling the payment myself iao {$660.00}, I prefer to only speak to an account manager who will take the time to listen and help me to resolve my concerns. 
***PLEASE NOTE : I did not schedule a payment to be drafted from my Chase personal checking account. The payment had to be manual made for me to ensure no late fee or negative reporting would occur on my account*** 6. I am requesting the call is pulled from XX/XX/2018 to confirm the verbal arrangements between the account representative and I regarding my XX/XX/XXXX payment. Please confirm the notes on my account, as well as the actions the representative took on his end. 

7. I am also requesting the late fee to be removed from my account and would like to confirm that my account is in good standing with no negative reporting 's to the credit bureau. 

XXXX. Please call me ( XXXX ) XXXX or email XXXX me with an update. 


Additional email sent XXXX XXXX Re : ***UNAUTHORIZED PAYMENT*** CASE : # XXXX To Ally Auto XX/XX/18 I would like to add, that I only received one email confirmation for payment iao {$660.00} which was authorized. Where is the email correspondence for the additional payment iao {$660.00} ( not authorized ), as well as the original email correspondence proving that I did scheduled the payment iao {$660.00} to be autodraft from my personal account. This is a violation of my consumer rights. I would like to have this resolved as soon as possible or I would be forced to ask the XXXX and CFPB to investigate on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has decided to take it upon themselves to create false accusations and have stated that they have a right to unblock FRAUDULENT Accounts that were opened as a result of Identity theft. Experian has already been notified that these were fraudulent accounts and took it upon themselves instead to unblock the fraudulent accounts illegally. Marked a consumer statement saying these cards were used by an unauthorized user fraudulently. When in fact the whole credit card account is fraudulent, The application for the credit card(s) were in fact fraudulent in XXXX, as XXXX XXXX XXXX XXXX advised me that the address used to open the fraudulent accounts was XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX which was included in my identity theft affidavit, Again Experian is allowing these fraudulent accounts to be unblocked stating "Material Misrepresentation" When in fact Experian has not provided such proof. This Material is not misrepresented. The account was opened from a thief using my identification documents that were stolen. The Address XXXX XXXX has doesn't match my credit bureau report address. Again a lie, secondly, I never recieved any cards from XXXX XXXX XXXX XXXX. XXXX XXXX was notified that I was a victim of Identity theft. I provided them my affidavit and they refused to research it. Per Law 603(B) I am a victim of identity theft. I do not have membership to XXXX XXXX XXXX XXXX (Which is required per their security department) I do not have any accounts with XXXX XXXX XXXX XXXX. XXXX has blocked these accounts. XXXX has handled this without issue. However Experian is the only credit bureau that is allowing the creditor to fraudulently place accounts on my credit file that a thief opened without my authorization, and then boldly writing a consumer statement I never wrote. My ID Theft Affidavit is attached to this complaint and I want this resolved as Experian is causing me monetary loss because of these two fraudulent accounts.XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.(Consumer Statement Credit Bureau put on the file)Your StatementTHIS ACCOUNT WAS THE RESULT OF UNAUTHORIZED SERVICES.----------------------------------------------------------------------------------------------XXXX XXXX XXXX XXXXAccount NameXXXXAccount NumberCredit cardAccount TypeIndividualResponsibilityXX/XX/XXXXDate OpenedAccount charged off. $XXXX written off. $XXXX past due as of XX/XX/XXXX.Again Consumer statement not written by me - Your Statement(MY CREDIT CARDS WERE USED BY AN UNAUTHORIZED SIGNER WITHOUT MY PERMISSION.) These aren't my credit cards, I definitely wouldn't have authorized that statement when I am a victim of ID Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recevied my credit report and found an account that is not mine. This account may be a family member 's account. The account in dispute is : XXXX XXXX XXXX XXXX XXXX XXXX with a reported balance of {$19000.00}.
Product: Checking or savings account

On XX/XX/2023 my account and or card was hacked and used to buy multiple products from the merchant XXXX for the amount of {$340.00}. I called the bank immediately to cancel my card. I was in the phone with a baker as the person was person who stole my info was making purchases. The bank initially gave me my money back but then in XXXX took back {$66.00} and then in XXXX took back {$270.00}. The claims department is saying the merchant is saying I authorized the transactions when I clearly did not. I do not understand why the merchant even shipped out these products or how when the card got cancelled. I called in XXXX to see what happened and the claims banker is the XXXX who gave me the tracking number for the {$270.00} purchase. The product went to somewhere in Wisconsin and I live in California. I even showed the bank this proof when I went into the branch. This type of business allows thiefs to keep doing what theyre doing and hard working citizens to be punished for it. I would like to get my money back.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. The account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to ensure accuracy. The account that I am asking to have verified for accuracy is : XXXX XXXX Account # is not listed on ANY of my credit reports.
Product: Debt collection

On several occassions I have disputed items on my credit report and the creditor claims as valid...
Product: Credit reporting or other personal consumer reports

This debt was charged off on XX/XX/2019 there have not been a 1099c sent to me for this debt if its charged off. That is tax fraud and identity theft. Under law this income should have been reported on a 1099c and I have not received it in the mail. You are liable to pay a penalty if that has not been sent. This debt should not be reporting on the 3 credit agencies.
Product: Debt collection

I sent them this letter, this is whats going on now I never received anything from court for Capital One. By the time I received anything it was from this third-party company that Capital One hired they were already awarded from the courts Because I was not able to show up and defend myself because I didnt know about the hearing. Once I receive this letter in the mail, I filed an appeal immediately the third-party company is called XXXX XXXX XXXX XXXX XXXX XXXX I did not give permission for any of my personal information to be disclosed to this third-party company, and I wish to be compensated from this company as well as Capital One for violating my rights which I have disclosed in this letter below while I wait on the appeal to go through. 

To whom it may concern Capital One. 

Per the FCRA as a federal protected consumer I am now opting out of any and all authorization. I the consumer may have given you unwritten, written, nonverbal, and verbal per USC 6802 I have the right to opt out & I did opt out under 16 CFR 313.7 & under 15 USC 6508 this is another notice, letting yall know that I would like yall to opt me out. This company has also violated the terms and conditions of my statement and have been reporting to third-party credit bureaus. The agencies are as follows XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, & XXXX XXXX. my information is supposed to be private. under 16 CFR 313 privacy of consumer, financial information and USC, 6802 The terms and conditions that yall have granted me at the time of the account opening have been violated. 

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

I called the 3 credit bureaus after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE account on my personal profile, I noticed that there was erroneous account on my credit report which is misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that this account will be corrected. XXXX XXXX XXXX : {$7400.00}
Product: Credit reporting

XXXX XXXX filed a Tax Lien, which was originally sent to old address. Recently it was forwarded to my new addressed via USPS. I immediately called XXXX XXXX Tax collector and paid the tax lien the day I was notified and requested they update address as I was not receiving tax bill. The representative I spoke with confirmed they had old addressed and would be sending out new docs with correct address, which I completed. He also confirmed that they did not report this to my credit, as account is now paid in full ( Removed tax lien ). However, this is showing up as public record/tax lien on my credit reports. Tax collector advise to dispute with credit reporting as they are not reporting it. I am disputing this as account is paid, and tax lien should be removed as it in not accurate information reporting.
Product: Vehicle loan or lease

THIS ACCOUNT WAS A LEASED INFINITI XXXX XXXX THROUGH NISSAN- INFINITI LT ACCOUT XXXX I OPEN THIS ACCOUNT XX/XX/XXXX THIS ACCOUN T WAS INCLUDED THROUGH A XXXX  XXXX BANKRUPTCY AND IT WAS XXXX XX/XX/XXXX THIS IS CLOSED WITH A {$0.00} BALANCE AND THE INFORMATION NEEDS TO REFLEX THAT AND NEEDS TO SHOW CLOSED ACCOUNT I HAVE NOTIFY NISSAN- INFINITI LT THIS MATTER SEVERAL TIMES IN XXXX DISPUTE AND OVER THE PHONE BUT THE REP NAME XXXX STATED TO ME THE ACCOUNT IS STILL OPEN AND BY FEDERAL LAW XXXX  XXXX YOU NEED TO CLOSED THIS ACCOUNT OR I WILL TAKE LEGAL ACTION AGAINST YOUR COMPANY
Product: Debt collection

Hi, I would like to file a complaint re this company who has been harassing me about a creditor who placed scary calls to me, my spouse and my niece re an HSBC XXXX loan ( car stereo ) amounting to XXXX and now saying that i owe them total XXXX. That i needed to pay them ASAP otherwise i will get a Summon this Friday XX/XX/2021. The guy i spoke with said that I now owe a total of XXXX and that i needed to pay XXXX if i want to settle outside court. They asked me to loan money from people so that i can pay that. Please the voice message below. I felt threatened and so is my family. They said that they sent a letter 6 months ago with settlement which i did not receive. 
This is an urgent message for .... name is XXXX XXXX. Some abandoned XXXX. My office has been retained to deliver documentation to your property address. This is regarding a pending complaint being ordered against XXXX. If no contact is established today, our field investigator will be dispatched to your property address and place of employment on record. It is very important that XXXX contact the issue Infirmed today at XXXX and refer to your complaint number XXXX If no contact is established with that issue infirmed today it can result as an order of noncompliance. And after this my final attempt, the documents will be filed as a failed action to serve.. Click here : XXXX to listen to full voice message. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, currently all 3 credit bureaus are counting my rate shopping for a mortgage on my credit report as individual inquiries rather than lumping them as a single inquiry on my credit. This has negatively impacted me by not only dropping my credit score by 50+ points but because all the inquiries for my rate shopping are not being consolidated and counted as 1 and is hitting my report as individual inquiries. I can not get approved for any credit cards because banks think I am desperate for credit. This is very harmful to me as I have never been late on a payment and have been a good steward of my credit and was at XXXX credit prior to all these inquiries dragging my score to the ground. 

On alI the credit bureaus, I have 7 hard inquiries from XX/XX/XXXX and XXXX but these should be counted as 1 as I was rate shopping for a mortgage.
Product: Credit card or prepaid card

I received letter from Citibank Client Services, XXXX # XXXX, that I requested a new Citibank account. I did not request to open an account with Citibank, so I called the phone number in the letter. I gave Citibank the file number on the letter, but it still wanted my social security number and all my other personal contact information to make a report, and I refused. I was told I needed to contact the FTC to file a complaint.
Product: Credit card or prepaid card

I have an XXXX store card which is run by synchrony banking. I have had this card set up on auto pay and it has been set up this way for years. For whatever reason my XXXX payment was not deducted which resulted in a missed payment and late fee even though it is still set up on auto pay and has not been taken off. Sycrony banking called me five times over a four hour period along with several other calls early in the morning on other days even though I told them I would check the account and see if I could figure out why the payment didnt go through since they were no help on letting me know why themselves. I find their excessive amount of calls in such a short period of time extremely frustrating and do not appreciate the harassment considering my on time payment history with them since I acquired their card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Finance ) - XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the information associated with my accounts. Upon reviewing my credit report, I have identified discrepancies that require immediate attention. It appears that there are inaccuracies concerning the status of my accounts, particularly regarding bank error and sending statement to the wrong address. I kindly request that you update my account information to accurately reflect that the account has never been delinquent and is closed with a positive payment history. Recognizing the importance of maintaining accurate credit information, I trust that you will promptly take the necessary steps to address this matter. 


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

Good morning I have sent 3 letters of dispute to the 3 credit bureaus XXXX, TransUnion and XXXX asking that they verify that the accounts are verified that they send me proof with the contract and my original signature and that if they are not removed from my credit report and still they still appear after 2 rounds of dispute cards XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX************** Unverified Account XXXX XXXX XXXX XXXXXXXX Unverified Account TransUnion XXXX XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXXXXXX Unverified Account
Product: Debt collection

This company calls me 3-5 times per day using a list of unknown numbers instead of a clearly specied number that identifies it as the actual caller. 
I have a debt that I'm paying directly to XXXX XXXX, and they continue to call.