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

I did not receive my {$400.00} bonus for completing the terms of opening a checking account, setting up direct deposit, and performing debit card transactions ( see attached terms ). I logged into my online account and looks like it was closed without my knowledge with funds still in the account.
Product: Debt collection

Quality Asset Recovery L # XXXX IS KEEP ON HARASSING ME FOR COLLECTION WHICH I HAVE CLEARED i was visiting usa in XX/XX/XXXX on a travelers insurance and as suggested by a primary health care visited the XXXX medical center for a XXXX. before asking or receiving the health care i have asked the medical center many times, i do n't have regular health insurance, i 'm visiting this country. please tell me the cost first and then i will check with my my travel insurance then will decide if i need the emergency care or nor. no one answered me nothing. they have not even resister my name. just asked to wait for the care. then they XXXX and discharged me without any registration. 

on my second visit a nurse XXXX and asked me to leave. on my way out they collected my travel insurance details, my name, and dob. i left the country after my business travel. 

when i return to usa in XX/XX/XXXX with a XXXX i found that there is negative entry in my credit report. called the collection agency and explained them my case. All they did is asked me to pay the amount around {$700.00} from my pocket. i have paid the amount with the help of my sibling. They promised they have removed the entry from my report. i still see the entry in my report. 

both the medical center and collection agency is doing wrong with respect to this great nations legal system. i would like to file a consumer harassment case against both the registered bodies. please guide me
Product: Credit reporting or other personal consumer reports

During the last one to two years, I have disputed trade lines from XXXX that are listed on all of my credit reports. Each time I have disputed, the items have all come back verified. XXXX, XXXX, and Equifax have never disclosed to me their method of verification for these alleged debts. The credit bureaus have each used stall tactics such as claiming that I am not sending disputes on my own behalf despite me sending hand written letters on lined notebook paper in my own hand writing with my own signature. The credit bureaus have also attempted to have me perform disputes over the phone in order to get me to relinquish my consumer rights per the FCRA. The credit bureaus continue to circumvent my requests for method of verification. These alleged debts have remained on my credit reports which has adversely affected my credit profile and credit scores.
Product: Credit reporting or other personal consumer reports

I have sent multiple letters by certified mail asking for the alleged debt validation and the method on how they continues to validate this fraudulent and questionable items on my credit report. And have not received anything with validation of these clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taken advantage of me as a consumer and this has effected my life tremendously. The most recent certified letter was sent on XX/XX/2023 and they received it on XX/XX/2023. However the company update the reinvestigation status as verified. I have attached a copy of the XXXX XXXX XXXX  verifying that they have no sign contract with I. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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.
Product: Debt collection

XXXX   XXXX   XXXX    called me three t imes at my workplace on  XXXX   XXXX ,  2017 afte r being told during the first phone call that I 'm unallowed to take calls at work. The second phone call, they spoke to a co-worker and left a message. The coworker told them not to call the job. And then he called a final time, requesting to speak to me and spoke to the coworker that repeated not to call. He said he was an account manager and needed to speak to me regarding my debt, and he kept harassing my coworker. She simply hung up. This was all within less than an hour and a half.
Product: Credit reporting or other personal consumer reports

My information was wrongly released and there is an active lawsuit
Product: Student loan

In early XX/XX/2022 I applied to refinance my student loans and received quotes from four different companies. My student loans are from XXXX XXXX and I only applied to loan servicers that offer $ XXXX minimum payments during medical residency. I compared quotes from the four companies ( Splash Financial, XXXX, XXXX XXXX, and XXXX  ). Splash Financial had the most competitive rate, and so I called them some time in the first half of the month of XXXX ( unsure of the exact date ) and confirmed that my loan with them would have {$100.00} minimum payments while in residency. This was confirmed over the phone with their customer service, including discussion that the lender that they had quoted me for was with XXXX XXXX. I then proceeded forward with the application and was finally approved around XX/XX/2022 by which time my other inquiries at the other three servicers had expired and interest rates had increased substantially. 
On XX/XX/XXXX I emailed XXXX XXXX, who works at Splash Financial and with whom I had been communicating about the documents I needed to send them for my application to get approved. In this email I asked him to confirm that I indeed would have $ XXXX minimum payments since this is what I had been promised and yet I did not see this detailed in the contract I had been sent. He responded XX/XX/XXXX saying that XXXX XXXX ( which is the company that Splash Financial was getting my loan refinanced with ) does not offer this. I responded to this email XX/XX/XXXX saying that the only reason that I had agreed to use Splash Financial to refinance was for this reason, which they advertise on their website and I included a screenshot of their own website offering the $ XXXX minimum payments to medical residents. I also responded to XXXX XXXX 's comments that I should click on a link he sent that would have me re-apply to Splash Financial 's loans available for medical residents, which is the link I had originally used to apply. 
XXXX XXXX responded saying that Splash Financial actually only offers medical residency loans through XXXX XXXX, and since I had applied to XXXX XXXX to compare rates at the beginning of XXXX they never had offered me a loan that would have $ XXXX minimums during residency and they were now unable to offer me one and that I would be best off re-applying to XXXX XXXX for my loan consolidation. This means that I have now gone through the entire application process, had a hard inquiry on my credit, and lost out on the interest rates that I was promised by the other three companies over a month ago. Interest rates have increased significantly over the past month, which is why I was so keen to start the refinancing process at the beginning of XXXX, since at that time it was clear that rates would be going up. So now I am going to have to start the process over, have another hard inquiry on my credit, only to end up with a much worse interest rate that will end up costing me tens of thousands of dollars over the life time of my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

I paid in full for a balance transfer on XX/XX/XXXX, then on XX/XX/XXXX I requested a new balance transfer. On XX/XX/XXXX the system made an autopayment, that I never setup, for the full amount. They agreed to reverse the payment, but instead of reversing the payment to the new balance transfer, they reversed the one for the old one. It started charging interest. Somebody tried to resolve the issue by transferring the balance but it did not work, I'm still being charged interest and no one at Citi is idoneous enough to fix the issue. The new balance transfer is supposed to start charging interest only in XXXX of 2024. I have invested at least 20 hours on the phone with Citibank, the call center seems to be in XXXX, and even when I'm transferred to a call center in the US they promise to take 3 to 5 days and it never gets resolved. It's now been 5 months of this issue and no one seems to care. No one cares, no one escalates. They are still pending refunding 2 months of interest. They do what they want when they feel like it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX
Product: Bank account or service

I would like to file complaint against Wells Fargo bank, regarding my saving account. Account was closed without my knowledge and no explanation was ever given to me as to why suddenly my saving account was closed as well what happened to my savings/money! I opened saving account in 1998 with XXXX bank in XXXX, AZ that later became Wells Fargo bank. I had that saving account for more than 10 years and I put aside lots of money for emergency and different life events. Well account is gone/closed and money disappeared, Wells Fargo said in a letter mailed to me " due to the timeframe that has elapsed, we no longer have account statements ", also, bank stated " we can not locate a discrepancy for $ $ $ ". I truly believe that internal Wells Fargo employees stoled my saving account money by opening ghost account and transferring my money from saving account than simply closed the account.What an incredible lie from executive office of Wells Fargo bank. I am missing XXXX XXXX XXXX dollars from my saving account and bank got a nerve to tell me due to a timeframe they no longer can not locate account statements and a discrepancy for XXXX XXXX dollars! Pure lies and manipulation by the bank. Bottom line here is bank stoled my money and is hiding evidence as well selected individuals that work for the bank and their position. Pure internal FRAUD and SCAM. I am a pure VICTIM of FRAUD done by Wells Fargo employees!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent accounts that has been opened in my name. I recently discovered these fraudulent accounts on my credit report and upon further investigation, it is evident that these accounts were opened without my knowledge or consent. 

Below are the details of the fraudulent account : Account Type : XXXXXXXX XXXX XXXX  XXXX Account number XXXX Date opened XX/XX/XXXX Account Type : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account Type : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I reviewed my credit report and noticed the presence of an account that I did not recognize. Upon further investigation, it became clear that these accounts were fraudulently opened in my name. I have never applied for any accounts and I have no association with these account whatsoever. 
In light of this fraudulent activity, I am requesting the following actions be taken immediately : Remove the account from my credit report : Ensure that this fraudulent account is removed from my credit report with all major credit bureaus. 

To assist in your investigation, I have attached the following documents : A copy of my identity theft report from the FTC. 
A copy of the police report. 
A copy of my driver 's license or government-issued ID. 

Please consider this matter with the utmost urgency. The fraudulent account is negatively impacting my credit score and causing significant distress.
Product: Credit card or prepaid card

Synchrony Bank Charged off my Account XX/XX/XXXX with an Incorrect Balance {$11000.00}. due to their Error. 
The Error was made in XX/XX/XXXX while my Dispute was open, but never corrected. 
In a letter from Synchrony Bank dated XX/XX/XXXX they stated that they identified their error, and that I would receive a Refund or Credit including the Disputed amount. 
Later, in a follow up letter dated XX/XX/XXXX from Synchrony Bank, XXXX XXXX, Sr Specialist, Corporate Relations she states the credit was applied to my closed Lowes Credit Card Account, and that amount did not include the Disputed Purchase Amount. 
I have tried contacting her at the number and extension on that letter, but she has not answered or returned any of my phone calls.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance {$26000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Balance {$68.00} XXXX XXXX XXXX Balance {$530.00} XXXX XXXX XXXX XXXX Balance {$910.00} XXXX XXXX Balance {$8300.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$1300.00} XXXX, XXXX XXXX Balance {$1900.00XXXX XXXX XXXX XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$6200.00} XXXX XXXX  XXXX Balance {$620.00} XXXX XXXX XXXX XXXX Balance {$10000.00XXXX XXXX XXXX, XXXX XXXX Balance : {$210.00} XXXX XXXX  XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX - XXXX XXXX Inquiry Date XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX
Product: Debt collection

I RECEIVED A 4 SEPERATE LETTERS FROM SYNDICATED OFFICE SYSTEMS PAYMENT ADMINISTRATOR I HAD THE LETTERS BUT HOWEVER I MISPLACED THEM IN MY HOUSE AND BY THE TIME I FOUND THEM THEY HAD JUST EXPIRED SO I CALLED THE NUMBER THAT WAS ON THE LETTER AND THERE WAS A AUTOMATED SYSYTEM EXPLAINING WHAT TO DO IF YOU NEEDED A CHECK REPLACED SO I SPOKE TO A LIVE REPRESENTATIVE AND SHE PUT A REQUESTY TO HAVE THE CHECK REISSUED AND SAID IT WOULD TAKE 4 TO 6 WEEKS TO BE PROCESSED I CALLED NUMEROUS TIMES OVER THE COURSE OF THE WEEKS AND THEN I SPOKE TO A REPRESENATIVE NAME XXXX WHO SAID THAT THE CHECK WAS GOING TO MAIL OUT ON XXXX XXXX 2016 SEVERAL DAYS WENT BY I RECEIVED NOTHING IN THE MAIL SO I CALLED BACK SPOKE TO A SUPERVISOR NAME XXXX ON XX/XX/2016 WHO THEN STATED THAT MY CHECK HAD NOT GONE OUT BUT THAT IT WOULD FOR SURE GO OUT SOMETIME IN XXXX BUT HE DONHT HAVE A DATE.SO I CALLED BACK THE VERY NEXT DAY AND SPOKE TO ANOTHER SUPERVISOR NAME XXXX AND SHE STATED THAT THE CHECKS HAD NOT GONE OUT AND THAT SHE WAS GON NA GET MORE INFORMATION AND CALL ME BACK WHICH SHE NEVER DID SO I CALLED HER BACK LATER AND THEN SHE STATED THAT SHE SPOKE TO THE PROJECT MANAGER AND THEY WERE SAYING THAT THERE WAS A POSSIBILITY THAT THEY WERE NOT GOIN G TO REISSUE ANY CHECKS AND THAT WHEN SHE FINDS OUT FOR SURE SHE WILL LET ME KNOW HOWEVER I AM ENTITLED TO THE CHECK AND THEY NEED TO BE REISSUED AND SENT TO ME.THIS COMPANY IS GIVING ME THE RUN AROUND.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was speaking with a man named XXXX XXXX on XXXX XXXX about purchasing a puppy. He had reviews and seemed legitimate. 

He asked me to XXXX a {$300.00} deposit for the puppy which I did. But my bank blocked it. This had never happened before in all the years I have used XXXX. I called Regions Bank with the number provided on the email I received regarding the block on payment. The regions bank representative assured me that it wasnt fraud or a scam and despite my reluctance he released the funds. 

Turns out it was a scam and when I called my bank back the same day they refused to give me my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I discovered I had reason to believe that my personal information, including my SSN, may have been compromised. I have not been employed nor do I have a line of credit, so I had not previously been enrolled in or otherwise interacted with any of the three credit bureaus until now. From ~XXXX XX/XX/2019 to ~XXXX XX/XX/2019 I had attempted to register on the websites of XXXX, Experian , and XXXX to no avail as they claim to be experiencing technical difficulties. Calling XXXX to attempt a Fraud Alert ( XXXX XX/XX/2019 ) resulted in a representative that could not understand me and asked for my Social Security Number over the phone without confirming my issue - their website did not accept my registration. Calling Experian ( XXXX XX/XX/2019 ) resulted in an automated system that requested my social security number up front - their website did not accept my registration. Calling XXXX ( XXXX XX/XX/2019 ) resulted in an automated system that expected me to have an account - their website did not accept my registration. 
With these as my ONLY avenue to apply preventative measures and avoid possible identity theft I find myself at a loss as to why it is so poorly managed.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX TX opened XX/XX/2018 for {$260.00}. BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, XXXX AND EQUIFAX ARE CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Vehicle loan or lease

In XX/XX/XXXX my daughter XXXX XXXX and I entered into a lease with Honda Financial Services a/k/a American Honda Finance ( " Honda '' ). My daughter XXXX XXXX took responsibility to send in the payments for the lease each month. The account fell into arrears since my daughter failed to pay the lease payments for XX/XX/XXXX and XX/XX/XXXX. Honda did not call me to tell me that payment was not received, Honda did not write to me to tell me that payment was not received and Honda repossessed the car before the XX/XX/XXXX lease payment was even due. 
Prior to the repossession, I am told by my daughter XXXX XXXX that she called Honda to ask for a little more time due to the financial difficulties of the pandemic and Honda agreed to allow for a bit more time. However, no one at Honda asked me for payment or gave me the opportunity to cure the default.

Upon repossession of the vehicle, I immediately called Honda and tried to pay the 2 missing payments, repossession fees and XXXX lease payment but was told that there was no way to pay and have the vehicle returned. 
My daughter XXXX detrimentally relied on Honda 's representation to her ( that Honda would extend more time before repossessing ) and as a result, she did not come to me for financial assistance.

Now Honda is demanding the entire amount due under the lease agreement and refuse to return the car for any amount less than over {$31000.00}. I was never provided with a notice of default. The letters are addressed only to my daughter XXXX until yesterday when I finally received a copy of the same " Notice of Intent to Sell Leased Vehicle '' that was mailed to my daughter XXXX dated XX/XX/XXXX. CFPB can see my financial obligation on my XXXX XXXX report but not on the Honda letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, CA XXXX