23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I obtain credit from Bank of America and was very thankful they gave me the opportunity to have credit with them. I made payments on time and never had a problem, until I fell on hard times and missed payments they eventually closed the account and it went to charge off status on my credit report. The reason I fell behind on payments is, because my mom was XXXX and I had to take time off from work and plan a funeral. My mother didn't have life insurance I had to sell things and tried to raise money to bury her, I couldn't make payments, because I didn't have the money. Bank of America reach out to me for a settlement and I agreed to make payments as promised with the clearing of all negative reporting on my credit reports. I've attached a copy of my payment agreements and have contact their company several times and left voicemails asking for the deletion of the account. I'm willing to send them copies of proof of my mom 's XXXX, police records, obitutary etc. whatever they need to say I'm sorry I missed those payments then due to no work, because of bereavement. I still have the account reporting negatively on my credit report. I would like to move my family out of state to get away and trying to purchase a home, but can not get approval, because of the negative account reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I sent overnight payment using XXXX tracking and signature. It was received on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX sigh by XXXX. As today XXXX payment still hasn't been apply to my account. I call Customer service every other days with no resulted. The issues was sent to escalations teams with still no resulted. 
Now am getting messages my payment is past due. 
When ever I get a call it is always with a apology but still no resulted. 
No one seem to know where that XXXX check is. 
I am beyond excuses and apology. 
Can someone help me with this issue. 

Thank you
Product: Credit card or prepaid card

In XXXX I opened a Phillips 66 XXXX Credit Card that is managed by Synchrony Bank. I established this card to handle expenses for the XXXX XXXX XXXX that I operate at our local airport. 

On XX/XX/XXXX I contacted XXXX XXXX XXXX and asked them to cancel our aircraft hangar rental starting in XX/XX/XXXX as we were establishing our own private hangar arrangement with another vendor on the airport. I was very clear with the agent, ( XXXX XXXX, that we were to no longer be billed. The monthly bill was XXXX per month. I had thought she was clear on this. 

On XX/XX/XXXX, I was shocked when I opened our bill from Synchrony to find that the XXXX dollar hangar fee had been charged to us. I immediately contacted Synchrony customer service and wasted over 90 minutes of my valuable time talking to 3 different agents explaining that this was an unauthorized charge and that it needed to be removed. I was assured that it would be handled. However this was a lie. 

Unauthorized charges of XXXX dollars were added to my bill two more times for a total of XXXX dollars in unauthorized charges from XXXX XXXX XXXX. 

Many conversations with Synchrony Bank Customer DISSERVICE have been had and several hours wasted trying to get this resolved. 

I have refused to pay and they have affected my credit rating. Synchrony Bank OWES ME MONEY!!!!! And they need to remove the negative marks on my credit rating. Please provide them with the Adult Supervision that they so dearly need.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against LexisNexis Risk Solutions for violations of the FCRA for reporting and selling inaccurate information specifically a public ( bankruptcy ) record to the major credit reporting agencies, while stalling my request for an investigation, and ignoring my request for their method of verification. 

On XX/XX/2020, I submitted a certified letter asking that LexisNexis verify the public record with the Courthouse to correct the information, or delete the bankruptcy record from my report. 

On XX/XX/2020, I received a form requesting additional information, which I submitted on XX/XX/2020, using certificate of mailing. 

A few weeks latter I received a letter with no changes to my report. 

On XX/XX/2020, I submitted a letter using certificate of mailing requesting their method of verification, and NEVER received any response, and the public ( bankruptcy ) record remains on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Title 15 chapter XXXX, I am a federally protected consumer a natural person, the administrator and the original creditor according to 15 USC 1602 ( f ) ( e ) and I am the person who regularly extends credit according to 15 USC 1602 ( g ), 15 USC 1601, 15 USC 1602 ( f ). XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX can not originate credit ; they can only extend credit because I am the original creditor the natural person pursuant to 15 USC 1602. The furnisher can not validate debt without my consent according to 15 USC 1692j. In your investigation with ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) you have to interview a family/friend/ neighbor that is associated with the consumer according to 15 USC 1681 ( a ) ( e ). If you can not provide any of this information I am instructing you to remove all accounts from my consumer report. I did not give them ( XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX ) written consent to report on my consumer report according to 15 USC 1681 ( b ) ( a ) ( 2 ). Pursuant to 18 USC 8 the government assumed all liability from the social security card on file. I XXXX XXXX the natural person is not obligated or liable to XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. I have received many bills from these companies previously mention alleging I owe debt/late payment fees. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX Violates 15 USC 1605, FCRA, FDCPA, and XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX continues to solicit on these alleged debts and some have even closed the account which is adverse action according to 15 USC 1681m and XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX XXXX has negatively reported on my consumer credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and ALL the credit reporting agencies will be persecuted for illegally utilizing my name and will be criminally liable for all violations according to 15 USC 1611, 15 USC 1640, 15 USC 1692e, Title 18 but not limited to.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This account is inaccurately and erroneously reporting in my 3 Credit Bureaus. The account was placed as a charge off account and has and indicating balance in the statement. There is no payment history that shows a month and year that the account made a late payment. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 
TD BANK USA/TARGET CREDIT C XXXX XXXX XX/XX/2016 Balance {$590.00} TD BANK USA/TARGETCRED XXXX XXXX XX/XX/2016 Balance {$590.00} TARGET/TD ***** Opened XX/XX/2016 Balance {$590.00}
Product: Credit card

XXXX XXXX ssn : ***********, showing Chase on XXXX acct. XXXX Not my account. Please take off as I am trying to close on a house and This is holding up the closing
Product: Checking or savings account

I am trying to link my account with the app XXXX and other apps similar and PNC blocks the app and won't let it connect, with XXXX  or any 3rd company party. It's worked for some apps like Branch and Earning, but will not let me do it with XXXX. It's frustrating because it is my money and I'm giving consent to do so. I feel like this problem should be resolved as other banks have no problem connecting to these apps.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XXXX SS XXXX please delete any and all variations of my name they are not accurate. I have some issues with addresses on my file that are not mine. please remove the following addresses from my credit report they are not accurate please remove delete ASAP :XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , WV XXXX, XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I AM HAVING ISSUE WITH MULTIPLES OF NAME VARIATIONS APPEARING ON MY FILE.
Product: Prepaid card

I tried to spend {$50.00} on any website but it would decline and not allow me to spend the money. But after further research the card is only allowed on certain websites but clearly amex is false advertising when they list on their website American Express Gift Cards and Business Gift Cards can be used virtually anywhere American Express is accepted in the US. when they truly dont accept it virtually everywhere. - heres the link for this ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is upsetting when I got this for my birthday and I cant even use it!
Product: Credit card

Dear Sir or Madam, I would like to file a complaint against Macy's/XXXX Bank for the following reason ; Macy 's has received my payment on XXXX/XXXX/15, but failed to apply proper credit to my Macy 's credit account and falsely sent a delinquency report to XXXX credit report agencies, XXXX 
The initial payment was {$40.00} but they sent me bills with late fees and interest charges that I ended up paying in the amount of {$100.00} total. 
Macy'sXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX FaxPresident : XXXX XXXX XXXX XXXX Bank XXXX Citi Bank XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX is as follows,1. I mailed the initial payment on XXXX/XXXX/15, and according to my bank, it was cleared on XXXX/XXXX/15. It took almost 2 weeks. My bank was helpful that they wrote me a confirmation letter. 
2. After I learned that my payment was not applied to my credit on XXXX/XXXX/15, I called Macy 's customer service and spoke with several people to no avail. One person told me that he would call me on my missing payment, but I received no call. Other people were just incompetent, pointless, rude. No one offered me to open a missing payment investigation case. 
3. In the meantime, my bill went up to {$100.00} with late fees and interest charges. 
I have paid intending to dispute later. The payment was received by Macy 's on XXXX/XXXX/15. 
4. I sent a payment dispute complaint to the above Macy 's address via fax attn to XXXX XXXX, but unresponsive to this date. 
Also mailed to XXXX Bank by certified mail. According to the USPS tracking website, the certified mail was delivered to XXXX Bank XXXX Citi Bank XXXX on XXXX/XXXX/15. 
According to the XXXX Bank Agreement, it states ; '' What Will Happen After We Receive Your Letter Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. " I have not received their correspondence to this date. 
5. After XXXX/XXXX/15, for 2 weeks my credit card balance was XXXX, and I received another bill for {$2.00} and I paid. Macy 's has received my payment on XXXX/XXXX/15. 
6. I filed a complaint with the Better Business Bureau about 3 weeks ago, a woman named XXXX XXXX contacted me and demanded a proof of payment, I provided all documents that support my complaint. She did receive them. Because the following day she left a rude voice message on my cell phone saying " not send too much of fax '' LOL. 
I have not heard from her or Macy 's since then. 
I am requesting Macy's,1. A refund check in the amount of {$100.00}. 
2. Remove a delinquency report that Macy 's sent to XXXX credit report agencies, XXXX 
3. Close my account. 
4. Send me a final statement with a XXXX balance. 
5. Apology for the inconvenience and time I wasted. 
Thank you so much for your attention to this matter. 
Upon request, I will provide all information that help resolve this complaint. 
Regards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called American Financing on XX/XX/XXXX to inquire about their bank statement loan program as I am XXXX XXXX. I spoke with a customer service rep named XXXX XXXX who answered a few of my questions, but was told that I needed to speak with the loan officer for some additional questions to be answered. Towards the end of the phone call XXXX told me that I would be receiving a call from a loan officer the following day to fill out an application so that we could review my credit and standing. He then asked for mine and my wife 's SSN 's which I gave even though had doubts about needing that before filling an application. I spoke with another loan officer with a different company and he was able to tell me market rates on bank statement loans without me filling an application. I decided rates would be too high for an investment property so I gave American Financing a call back and spoke with XXXX XXXX. He started telling me about information on my credit report and when I asked how he knew this information he told me that they pulled my credit. Never once did XXXX ask for my authorization to pull credit and he specifically told me I would be filling out an app over the phone which I never did. I contacted XXXX and they told me that American Financing needs to show documentation that this was an error in order to be resolved. 

On the same day I filed a complaint with the XXXX XXXX XXXX I received a message from American Financing. They posted a fake written transcript of the call stating that I allowed them to pull credit. When I asked for an actual recording of the call to verify what they had written was true, I never received another message. 

I called them again on XX/XX/XXXX and asked to speak with XXXX the manager I first spoke with and still have yet to receive a response from him or the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Non compliance of FCRA and XXXX XXXX compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - Company has misused reports to make XXXX look XXXX! 
All in the name of the " glorious XXXX '' Contacted me Virtually & not in WRITING after contact hours XXXX violated truth in lending & fair credit reporting act
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. 

XXXX XXXX Account Number : XXXX violated my rights XXXX Account Number : XXXX violated my rights XXXX  Account Number : XXXX violated my rights XXXX XXXX Account Number : XXXX 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 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.

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.
Product: Credit reporting or other personal consumer reports

First and foremost, I want to emphasize that my right to privacy is of the utmost importance. I am asserting this right with this dispute letter. According to 15 U.S. Code 1681 ( a ) ( 4 ), you have a responsibility to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. I am invoking this right under the law and expect that all the information provided is treated with the highest degree of fairness, impartiality, and respect for my privacy. Under 15 U.S. Code 1681b ( regarding permissible purpose ), I have never authorized the following companies to access my information. Their actions are in clear violation of this statute. I am requesting the removal of the following account ( s ) from my credit report, as they are negatively impacting my reputation, character, creditworthiness, credit standing, and credit capacity. Enclosed with this letter is an official FTC report filed under penalty of perjury, further substantiating my claim. Given your legal obligation to protect my privacy, I request that this matter be handled with the utmost urgency. 
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

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Prepaid card

Hello, I received a {$2000.00} American Express Gift Card alongside another American Express Gift Card. After attempting to use the cards at XXXX and XXXX, the card is consistently declined. I contacted the merchant and was informed due to security protocols online there is no way to match my address to the card and therefore the card will decline at all vendors. If that is the case, then this company should no longer sell/market what is an unusable product. What is the purpose of this card? Company will not issue a refund. This is a known problem based on other 's reviews.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : : XX/XX/XXXX SSN : XXXX XX/XX/XXXX Dear Sir/Madam, Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : - Incorrect Name ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Incorrect Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXXXXXX, NJ XXXX Correct Information to Be Reported : - Full Name : XXXX XXXX - Correct Date of Birth : XX/XX/XXXX - **Correct Social Security Number** : XXXX - **Correct Address** : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I request that you correct this information promptly, as these errors may harm my credit history and misrepresent my identity, potentially linking me to fraudulent activities. Additionally, I ask that all phone numbers listed on my credit report be deleted, as I have been a victim of unsolicited robocalls. 

Please also be advised that I have formally opted out of any binding arbitration agreemen

ts with your company and am prepared to exercise my legal rights if necessary. Under Section 611 of the **Fair Credit Reporting Act ( FCRA ) **, I am requesting the removal of any inaccurate or negative information from my credit report. I expect to receive an updated report
reflecting these corrections within 30 days, as required by law.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Mortgage

The loan for our properties is in default and the lender raised the interest rate to 18 % without proper notice in XXXX. 

The lender Civic Financial Services via rep XXXX XXXX indicated on XX/XX/XXXX that they would entertain a short sale and that the challenge was the amount of the XXXX loan. A owner occupied buyer was buying the property for $ XXXX which was less than the amount owed. The house appraised for XXXX XXXX on XX/XX/XXXX, XXXX XXXX that they are not able to get a short sale approved with the XXXX lender payoff being large. He indicated to our attorney that we would have to reduce the XXXX loan payoff to $ XXXX. After a couple days the XXXX lender agreed to reduce the payoff to $ XXXX. Subsequently on XX/XX/2023 XXXX indicated they would not approve the short sale with no reasons indicated. The XXXX lenders actions have put the buyer in a homeless position and also was a bad faith effort. We believe that the lender is trying to sell these loans to another lender in the middle of the transaction and is not acting in good faith to complete the transaction and mitigate their losses. All parties are ready to close. We have escalated this with Civic Financial services which is owned by Pacific Western Bank to no avail. We request immediate help to encourage the bank and its subsidiary to act in good faith to complete the short sale. Moreover the lender charged the past due interest on XXXX homes on just the XXXX home ( in addition to accelerating the interest rate without proper formal notice )
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2020 i was searching internet to check rates on auto refinancing checked XXXX XXXX XXXX they asked to put basic info and last 4 digits of social security i did not apply for credit just checking to my surprise there was a hard credit inquiry on my credit score profile from Flagship Credit please help Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below inquiries are not mines. 

Inquiry details XXXX XXXX Inquiry from XX/XX/2020 Bank  XXXXXXXX XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 XXXX  XXXX Inquiry from XX/XX/2020 Finance
Product: Consumer Loan

Collector calls non stop. XXXX/XXXX/15 called 6 times within 10 min leaving no message. On normal day calls 8-10 times per day.
Product: Debt collection

Vance and Huffman LLC appeared on my creditor report as a debt collector for {$3800.00}. I don't know who they are or where that debt comes from. I tried to contact them several times but to no avail. I have never been contacted by that company in any form to inform me about any business we might have together. They are based in Virginia, apparently. I live in Missouri. Never had business in Virginia.