23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I have tried to fax over documents proving I have paid my debts off 15 working days ago.. I still have not received a response and the creditors are saying they have let the credit bureaus know .. Transunion REFUSES to take this off my report and can not be reached through fax
Product: Credit card

i sent to the C.F.O. AND and the remittance department the coupon- bearer security endorsed with the tender of payment - instructions to transfer the positive value of the bearer security to the principal to set-off the account 3 times as per federal reserve act section 29 prescribed on XXXX XXXX XXXX  and they have not done the fiduciary duty they have. 

after that i sent it again for the 4th time on XX/XX/ and they have not transfer the positive value of the bearer security to the principal to set-off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have 2 police reports on file with the XXXX and XXXX XXXX Police Department in regards to fraudulent collection accounts and hard inquiries listed on my Trans Union, XXXX and XXXX credit report. I have sent both police reports to Trans Union, XXXX and XXXX in regards to the fraudulent collection accounts and hard inquiries. The following collection accounts and hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, {$7800.00}, XX/XX/XXXX, XXXX, {$6000.00}, XX/XX/XXXX, XXXX XXXX, {$290.00}, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, Further I have been receiving harassing phone calls and death threats from XXXX XXXX representatives.
Product: Credit card or prepaid card

I made my monthly payment in full, on the day it was due. They payment was not acknowledged until the next day and I was billed a {$29.00} dollar late fee and {$55.00} in interest. I believe {$84.00} in penalties for a payment that was made on the due date, is excessive. My attempt to get the moneys rebated was refused by a phone rep and through the online banking message portal.
Product: Checking or savings account

I tried to open an account with Wells Fargo. I was denied the opportunity to open an account without reason. The bank provided a letter in the mail dated XX/XX/23 stating " We've finished researching your identity theft claim regarding account ending in XXXX. Our research indicated the account was applied for by your or someone who had your permission ''. This company has not provided any findings or PROOF that an investigation/ or research was actually conducted, besides this letter. I have reported identity theft to the credit bureaus as I have been experiencing the same issues with other accounts. I am only XXXX XXXX XXXX and I believe that someone has fraudulently used my social to obtain accounts that I was not present nor aware of. There is no way for me to verify I was provided a fair and equitable inquiry into my identity theft claim and therefore there is no basis to not allowing to open an account.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} U S DEPT OF EDXXXX XXXX Balance : {$4400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$89.00} XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$110.00}
Product: Credit card or prepaid card

In XX/XX/2019, I called Synchrony Home customer service XXXX regarding a purchase made at Lumber Liquidators store in XX/XX/2019 with their credit card. I learned my purchase did not qualify for the promotional purchase advertised in the store because I didnt open a new line of Synchrony credit with XXXX XXXX. The customer service agent stated they could extend the promo that was scheduled to expire in XXXX to XXXX so I could pay it off without paying interest. I paid off the balance XX/XX/XXXX but received an interest charge on the XXXX billing statement. I called customer service and the agent said he would credit the interest and fees charged immediately and my next statement would reflect that. Today I received the XXXX statement and the credit from XXXX was posted but I was still charged another interest charge. I called customer service again and they again promised to credit this months interest and reset my account to prevent more errors. I asked them for another statement and they said they couldnt generate a new statement with an accurate account balance. Im beyond XXXX at their lackadaisical account management and poor documentation.
Product: Debt collection

On XX/XX/XXXX, I sent a certified letter to the company to verify the debt. As of today they still have not verified the debt. 

On XX/XX/XXXX, and XX/XX/XXXX, The Bureau alleged that Portfolio Recovery Associates violated the XXXX Order, the XXXX, the FDCPA, and the Fair Credit Reporting Act ( FCRA ) and its implementing Regulation V. Specifically, the Bureau alleged that Portfolio Recovery Associates violated the CFPA and, in some instances, the FDCPA, when it violated multiple conduct provisions from the XXXX Order, including prohibitions on ( 1 ) representing the amount or validity of unsubstantiated debt ; ( 2 ) collecting on debt without offering to provide necessary documentation to consumers ; ( 3 ) mispresenting that it would provide the offered documents within thirty days ; ( 4 ) collecting on time-barred debt without making required disclosures ; ( 5 ) initiating debt collection lawsuits without possessing required documentation ; and ( 6 ) suing to collect time-barred debt. The Bureau also alleged that several of Portfolio Recovery Associates practices for resolving disputes about the information it furnished to consumer reporting agencies ( CRAs ) violated FCRA, Regulation V, and the CFPA. Specifically, the Bureau claimed that the Portfolio Recovery Associates failed to ( 1 ) timely resolve disputes submitted by consumers directly to Portfolio Recovery Associates ; ( 2 ) properly respond to disputes that Portfolio Recovery Associates deemed frivolous ; ( 3 ) conduct reasonable investigations of consumers disputes ; and ( 4 ) maintain reasonable policies and procedures regarding the accuracy and integrity of consumer information that it furnished to CRAs
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX and the have a subsidiary called XXXX that did a hard pull on my credit which negatively impacted my credit score. I have never had any dealings with XXXX, nor applied to rent anywhere. 

XXXX XXXX is aware of this and notified me by email after the fact. They acknowledge it was an error, but the negative impact on my credit remains. I have not been able to reach anyone at XXXX to assist.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity theft. I recently learned that my nonpublic personal private information is being shared and furnished with different company 's and financial insinuation without my written consent. I have not authorized any of these accounts to be shared in writing, oral nor electronic. These accounts were furnished and shared to Equifax, XXXX and XXXX by way of Financial Insinuations without full discloser and without my written consent, unknowingly and unwilfully and against my knowledge and therefore request this account to removed immediately. In accordingly in pursuance of 15 USC 1681 Permissible Purpose of Consumer and 15 USC 6801 Protection of Nonpublic personal Information. This is identity theft. Pursuance FCRA 603 ( p ) Financial Institution must notify consumer in written if they may furnish negative information to CRA. Section 239 ( a ) ( 7 ) CFPB 12 CFR Part 1022. I XXXX XXXX XXXX have not given written consent to any Financial Institution to Report to CRA. 

Accounts listed below. 
1. Account Name : XXXXXXXX XXXX XXXX  Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX. Account Name : XXXXXXXX  Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX .Violated my rights.
Product: Credit card

I made a purchase which was flagged for fraud by the credit card company. They did not notify me they had frozen my account. The reason they gave for not notifying me is that I had to give them permission to contact me, and I hadn't checked the box on their website to allow them to notify me. 

I found out they had frozen my account by a number of transactions that were declined. When I did contact them they said I hadn't provided permission for them to contact me. 

what kind of company has a policy like this? I'm disappointed in capital one and will discontinue use of that card in the future.
Product: Credit card or prepaid card

I have Walmart credit card, where I make XXXX dollars minimum payment. I recently have gone through financial hardships and have been late on making a few payments.
Product: Debt collection

On XX/XX/XXXX, a representative from Klima, Peters & Daily stated that a sheriff would serve me in my home with a court order and that I was in serious legal problem. I was informed that Klima, Peters & Daily had already processed the court order claim and that I should have checked with the court for my hearing date. She added that the hearing court had passed, and the sheriff was coming to my house. I mentioned that I should have received prior communication from them when filing a claim with the court. The lady was adamant in repeating that I was in serious legal trouble.

I had contacted Klima, Peters, and Daily in response to a letter from them explaining that I had filed a cease and desist letter in XXXX to a prior collector for the same debt. I further explained that I had been a victim of credit fraud and the charges were not mine and that I had filed my case with the FTC and Virginia
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME, BACK WHEN THE ACCOUNT WAS OPENED XXXX  MY MOTHER WAS VERY XXXX, I HAD TO LEAVE XXXX AND BE BY HER SIDE AN DBE WITH MY FAMILY. UNFORTUNATELY WE LOST MY MOTHER AND I HAD TO STAY BEHIND AND BE WITH MY FAMILY. I ENDED UP STAYING IN XXXX MUCH LONGER THEN ANTICIPATED. UPON MY RETURN I REALIZED THAT THIS FRAUDULENT ACCOUNT WAS OPENED UNDER MY NAME. I HAVE REACHED UT TO THE BUREAUS AND TO THE CREDITOR AND NO ONE SEEMS TO CARE ENOUGH TO HELP, BUREAUS ARE TELLING ME THAT THEY ARE ONLY A REPORTING AGENCY I SHOULD CONTACT THE CREDIT CARD COMPANY, I HAVE CALLED NUMEROUS TIMES BUT THERE IS NO RESOLUTION, THEY HAVE NO PROOF TO GIVE ME ON WHAT BASIS THEY OPENED THIS ACCOUNT.
Product: Credit card

i have had an AMEX account since 1973. I mailed a check to American Express on Monday, as of Friday the check had not been cashed. I called to find out if was in process. They said they had not received it, claiming it was a problem with the mail service. This morning, Saturday, I received an email from AMEX saying the check was received. Later this morning I received another email for AMEX say the account is past due, warning me that the account may be suspended. I called the phone number to find what was going on. The person I talked to blamed issue on the mail service. The payment location is in XXXX, I 'm XXXX. I told him I think the problem is with their processing center. It 's not my fault that their center is not adequately staffed. Short story I canceled my account. Also I think the staffing is inadequate to help them charge fees and penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

From prior case : XXXX : I took a installment loan out from Cash Call in XX/XX/XXXX for {$9900.00}. I made payments totaling {$12000.00}, I fell behind due to sickness and XXXX and tried to work out a plan to which they declined. I could not make the settlement about they requested which was {$20000.00}. The loan was then charged off in XX/XX/XXXX and they requested {$30.00} to close it out. I could not get any to help me with this so I just left it alone and let it sit on my credit report and decided to wait till it falls off. Fast forward to XX/XX/XXXX and I again tried to reach out to the company but they only re aged my account to show a current charge off as of this month leaving me with a credit score that dropped over 70 points and now I have to start all over again to have this account fall off my report. This is clearly in violation of the Fair Credit Reporting Act.

623 ( 5 ) ( A ) In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after the furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action They have also added wrong amounts, balances and dates to my credit reports that are again in violation.
Product: Credit card

I purchased a washing machine from Best Buy on my Best Buy XXXX card at the end of XXXX, XXXX for {$XXXX}. I made {$XXXX} payments on my card on XX/XX/XXXX and XX/XX/XXXX. These payments had me well out in front of the minimum monthly payment. I had an auto-pay setup in my bank account to pay {$XXXX} again on XX/XX/XXXX. I received a notice that my account was in arrears and I would be assessed a {$XXXX} penalty. I called and complained that my account was well in front based on my payments and didn't understand how my account could be behind when they had received nearly half the balance within 60 days. I was informed that doesn't matter. Today ( XX/XX/XXXX ) I paid the balance including the penalty and closed my account. I will never do business with XXXX again. My feeling is that they stole {$XXXX} from me, or perhaps they invested {$XXXX} in their advertising and marketing of how they operate as gangsters and thieves. Regardless, I am very unhappy and reporting their business practices in the hopes they will be curtailed. My account was over XXXX years active. I had received credit increases and spent over {$XXXX} on my card, always paying my account early. I am the victim of theft at the hands of XXXX.
Product: Credit card

Hi there, I have been trying to get a fraudulent charge removed from my Citi Card for weeks. The charge was made on XX/XX/XXXX in the amount of {$470.00}. I did not notice the charge on my statement until XX/XX/XXXX Citi did not inform me of the charge, as most other banks do. I was assured that the card would be voided, that I would be sent a new one, and that I would receive a credit on my account while the matter was being investigated. I was told that I would receive a credit within 3-5 business days. I noticed on the weekend that the card was still active ( I was able to use it online ). I called Citi, and it seems that they forgot to cancel the card and send a new one. Additionally, the charge had not even started to be investigated, and it would take additional time to receive a credit on my account. I received my new card and assumed that I would be receiving a credit on my account soon. Wrong! Last Monday, XX/XX/XXXX, I called Citi to inquire why I have not yet received the credit on my account. I was told that the charge was " mis-tagged '' and that I would be receiving the credit in 3-5 business days. I was also assured that the credit would be posted to my account before my next billing statement. It is now a week later and I have received my new billing statement. There is still no credit. I just contacted Citi Bank and was told it would take an additional 7-10 business days. I have never had such trouble dealing with credit card fraud.
Product: Credit card or prepaid card

On XX/XX/XXXX I sent a message to Chase.com on their website that the new credit card offer I responded to included a {$250.00} statement credit after first purchase. The credit card offer was posted on United.com. I was told by United that in order to qualify for this, I had to purchase airline tickets via another means and then apply for credit card and then United would issue a refund and then charge my Chase credit card for the airline tickets, in order to qualify for the {$250.00} credit. United said that the airline tickets would qualify for my first purchase. And, refund and charge to Chase credit card had to be done prior to flights. My flights are for XX/XX/XXXX. Once I was approved, I called United and they issued a refund and charged the Chase card for the airline tickets. The {$250.00} credit did not appear on my statement. This offer is clearly posted on United.com 's website. The response from Chase was that offers change on-line daily and that I was not entitled to the {$250.00} credit because that offer is not available. And, when I signed up the offer was XXXX bonus miles after spending {$10000.00} on purchases in the first 6 months from account opening. I have copied and pasted offer below from United 's website, it is still posted as I am writing this complaint.

Get rewarded UnitedSM Explorer Card Chase United MileagePlus Club cardApply Nowfor the UnitedSM Explorer Card *Offer Details | Pricing and Terms {$0.00} Intro annual fee for the first year, then {$95.00} XXXX bonus miles after qualifying purchases + {$250.00} statement credit after your first purchase*
Product: Money transfer, virtual currency, or money service

I have received over XXXX calls from direct express about a debit card. My son just got this phone # and I called asked them to stop which they said they couldn't do. I just want my sons phone number removed from their database. 
Phone number they are calling : XXXX
Product: Credit card or prepaid card

This Credit concern is a Personal Line of Credit, first established c/o PAYPAL and in apx. past five-years managed by Synchrony Bank, XXXX CT. 

Yesterday, XXXX, PayPal website prompted placing a Telephone Call @ XXXX ; Updating of Addresses and Contact Information has been a task for recent-weeks, PayPal includes a separate hyperlink-access to a portion of what is Synchrony Bank settings.

First attempt had a general vagary ahead of any initial-progress ; presenting a telephone on file provided to access account, followed by last four digits for Social Security number preceded what appeared an altered-read of something similar to the US Patriot Act and, then starting the process, a telephone number associated w/ the account was asked for again.

Providing both Landline and Smartphone numbers assuming this to have been updating procedures, once provided smartphone, the male on the recorded line rapidly ushers in a requirement that a 5-second video be submitted to Synchrony Bank prepared hyperlink to be submitted only to SMS Text Message, showing the equivalent of a photo ID Protesting this demand, Synchrony Bank states this being the only manner to update Address on File. Deemed atrocious, the call ends on my own accord. 

Another call is then placed to the same telephone number after searching 'XXXX  ', finding a handle for Synchrony Bank offering assistance, yet not being Official, Registered, or connected to this Lender/Credit Provider. Account has near to 10 years of visibility on this particular public-website.

Connecting w/ another Customer Service agent, clarification was demanded for this invasive and/or predatory practice of generating digital similarities and submitting said digital content, previous conversation having disallowed any other option in order to properly maintain known addresses.

When asked the legality of such a requirement, this process was flatly proclaimed as being legal. Pressed further for what Statute it is attached to this Company Practice,
Synchrony Bank fumbled an attempted response, becoming evasive, terse and halting progress by turning the matter upon my own initiative - labeling my nature as problematic, uncooperative and refusing to abide by their rigid demand.

Asked what would occur should another 15 year account holder have the same wish for accuracy yet not have a smartphone want to update records, a 'Fraud Reporting ' postal-mail address was recommended.

Re-iterating there not being a Fraud issue, Synchrony Bank condescendingly asks if they may continue w/ providing this Mailing Address for a copy of a State Issued ID be mailed. When asked if this is a XXXX CT Address, caller hesitates again. The call is declared over, again by my own accord just after a brief synopsis of how this contact w/ Synchrony Bank has altered confidence in their lending practices and that there exists a channel with the FTC for such occurrences.
Product: Checking or savings account

TD bank. 

Ok so my Father was bed ridden so we did a power of attorney, brought it to the local branch where he started the account XXXX knows how many years ago, where he went every week and knew everyone there. 

They take 2 weeks to " update into the system '' with the power of attorney. 

THEN drop on me that the account is closed due to my mothers Social security and my mothers JOINT tax return going into the account ( which has happened for YEARSSS but they decided TODAY they didn't like it ) Account is being closed and funds will be going back to the IRS and SS.. ok fine. 

4 months pass, nothing, I call and complain, they can NOT talk to me as the POA is not on record for me ( so what did I wait 2 weeks for? ) I call the branch assistant manager XXXX, he says they are WRONG and the POA is on file, so this goes back and fourth with TD corporate and TD branch both saying different things and refusing to speak to one another, after many complaints I decided to contact CFPB.

Side note a few payments DID go back to SSA, but the rest remain in the account where TD branch is saying its " not there '' yet the statements come to the house and say it is. 

also Corporate will still NOT talk to me ( other then to take a complaint that seems to go NO WHERE ) due to the lack of POA which local branch claims is on file. the acconunt statement shows {$2800.00} in the account