23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX I opened my billing statement from Synchony Bank and noticed a late fee of {$30.00} and a interest charge of {$3.00}. But according to my bank at XXXX I paid my entire balance online on XXXX, and my bank told me Synchony Bank would have it by XXXX. That's one day before Synchony Bank due date of XXXX. When I called Synchony Bank their first customer service rep on XXXX from the XXXX said she wouldn't reverse the charges until I told her my bank told me you would have my money by XXXX. She then took off the {$30.00} late fee. But she didn't erase interest charge. So I had to call Synchony Bank again on XXXX and spoke with " XXXX '' from the XXXX around XXXX employee # XXXX, and she told me she would reverse the late fee and this interest charge. Which there should have been none when I paid them my entire balance before their due date according to my bank at XXXX XXXX XXXX. ( I have a screenshot from my bank as proof ) XXXX told me for the changes to take effect, it would be 24 to 48 hours. But I'm not really sure yet if they really did reverse these charges. And since they did this to me. I'm probably not the only person their doing this to.
Product: Credit card or prepaid card

On XX/XX/XXXX, the company I worked for used my personal credit card to make purchases from XXXX and XXXX instead of my business credit card, unintentionally. When I first noticed the charges on my personal card I reported them as fraud, not realizing what had happened. Once I realized the error, both companies were paid with the correct company credit card. I contacted TD Card Services to tell them that the charges weren't fraudulent, but still made in error. Rather than continue my dispute of the charges they closed the dispute and put the charges back onto my personal credit card. For months I called to inquire about the credit being placed back on my card. On XX/XX/XXXX, per TD Card Service 's request, I faxed them the receipts from each company that clearly show that my personal card was charged, then returned to my personal card and paid with the company credit card - yet still the credits were not put back onto my account. Recently, they told me there was nothing they could do and to contact the merchants for a refund. In doing so, both merchants told me that they accepted the chargebacks in XXXX of XXXX and that my credit card would have to return the funds since they no longer had them. I provided this information to TD Card Services and continue to call them regularly - each time I get a different response. Some say they can see in their system where the chargebacks were accepted by the merchants and that I am due credit, promising escalation of my dispute to supervisors. Some tell me that they can not help me because my dispute was closed. Since this all began in XXXX of XXXX, I have been paying interest on the {$4700.00} that was charged to my card as well as over limit fees. Again, some calls to TD Card the representatives assured me all of these would be refunded, some have said that after the dispute is resolved I can request those be refunded from customer service, and some telling me there is nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX I lost a job. As a consequence I had problems paying bills. 

One of the bills was XXXX XXXX. The account was turned over to XXXX XXXX XXXX in XXXX, NY. 

Subsequently I contacted them to see if there was a way to settle the account. 

They told me it had been given to a law office and gave me the number. 

I called a number of times ( XXXX ) and left voice mail but never got a call back. 

I 've called XXXX and never been able to reach anyone to talk to about the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and updated from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of violations that have adversely impacted my credit report and overall financial well-being. I kindly request your assistance in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), as well as other relevant laws. Additionally, I would like to share my personal story to shed light on how these violations have deeply affected my life. 

Violation Details : Unauthorized Inquiries : XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX  - Date of inquiry : XX/XX/XXXX XXXX - XXXX of inquiry : XX/XX/XXXX XXXX XXXX  - Date XXXX inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX Incorrect Previous Address Entries : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Story : These violations have caused immeasurable stress and hardship in my life. My financial history has been unfairly marred by unauthorized inquiries that I have no recollection of authorizing. Each unauthorized inquiry not only affects my credit score but also impacts my ability to secure loans, housing, and even job opportunities. As a responsible consumer, I have always strived to maintain a strong credit profile, and these unjustified inquiries have shattered my efforts. 

Moreover, the incorrect previous addresses that have been reported have exacerbated the situation. These inaccuracies have led to confusion and embarrassment when applying for housing, credit, and employment. The address inaccuracies have been perpetuated, hindering my access to financial stability and peace of mind. 

Request : I kindly request your assistance in enforcing my rights under the FCRA and related laws. Specifically, I ask that you investigate these violations and ensure that the following actions are taken : Unauthorized Inquiries : I request that these unauthorized inquiries be promptly removed from my credit report. The reporting of these inquiries is not only unjust but has also significantly affected my ability to manage my financial affairs. 

Incorrect Previous Address Entries : I urge you to rectify the incorrect previous address entries on my credit report. These inaccuracies have caused undue complications in various aspects of my life, and their removal would greatly contribute to my financial stability. 

In conclusion, I am deeply invested in resolving these issues and restoring my financial well-being. Your assistance in ensuring that my rights are upheld will have a profound impact on my life. I am hopeful that my story resonates with you and underscores the urgency of rectifying these violations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a positive outcome. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information you may require. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Someone completely fabricated a debt and sold it to a collection agency who in turn hired an attorney who filed and received a judgement that is still in the court records and on my credit reports = The debt was said to originate from medical bills due to XXXX XXXX XXXX - XXXX XXXX, I called both agency ; s billing departments and they said I have no debt with them and they never turned over any debt to a collection agency = This debt is COMPLETELY fabricated and is harming my credit.
Product: Mortgage

In XXXX XXXX we purchased a modular home on XXXX acres address XXXX XXXX XXXX XXXX XXXX ok XXXX. XXXX Mortgage was lien holder of this property. when loan was paid we never received a lien release and did not realize this till we sold our home and went to close on XXXX XXXX, XXXX that their ( XXXX/Freedom ) name was never taken of title. XXXX is now/Freedom Mortgage ( the Lien was in XXXX and XXXX XXXX name ) I have been in contact with them multiple times and just last week they finally sent me to a place called XXXX they said give them 5 working days today is the fifth day and no response I have submitted paper work to them showing where the loan was paid and as of today have not gotten a lien release. I am not sure how long my buyers will wait.
Product: Student loan

I am formally writing this notice of dispute because I have reviewed two accounts reported to me by the consumer reporting agencies, I have with NELNET that are currently shown as both blatantly inaccurate and incomplete.

Both accounts that I speak of may be seen as verifiable and accurate in the company 's system, but they are factually reflected incorrectly in my consumer reports. This in turn is ruining the integrity of my consumer reports, affecting the growth of my XXXX and XXXX score, and may mislead other inquiring creditors. I am ensuring investigation compliance through the CFPB regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that your company ran an unauthorized report on me on XX/XX/XXXX. I did not authorize such an inquiry, I did not apply for credit or financing. and demand that you contact [ redit reporting agency ] immediately and have your inquiry deleted from my credit file. You do not have a permissible purpose to pull my credit report hence invaded my right to privacy and may subject to a fine. I will be filing on a claim in court should you willfully ignore my request. 
Any applications you have received in my name is FRAUD. I did not give anyone my permission to use my personal info. Please show me the original application for credit or service bearing my actual signature, also show me any documentation giving your company permission to pull my credit file bearing my actual signature and not a computer-generated signature. 
PLEASE REMOVE YOUR INQUIRIES WITHIN 10 DAYS OF THIS LETTER.
Product: Debt collection

Payment History Information is Incorrect. 

I have currently TWO missed payments for my student loans but I indeed made those payments on the website. 

My account has an auto debit on the account and unfortunately there website had lot 's of issues with not charging my bank account. 

I made a payment with a confirmation email and everything but weeks later it still showed I missed such & such amount of days until they reported it to the credit company. 

I have made EVERY payment every month but for some reason on XXXX, it shows I was late which is wrong. 

I have called the student loan company and they said this was forsure there fault and error but I haven't still heard back from them. 

Below I will show screenshots of all my payments made except for that one month.
Product: Money transfer, virtual currency, or money service

I was supposed to receive two different XXXX ( real time ) deposits. I received the email confirmation from XXXX and the issuing parties that the funds were sent and should be available immediately. It has now been more than 24 hours and my funds have still not posted. I have called the online bank 9 times within the past 24 hours and have waited on extended holds exceeding 2 hours. Once I received a live person he told me I reached the wrong department and had to transfer me to the online department. I waited another 50 minutes for the phone to just disconnect. Each time I call and the call reaches about 90 minutes on hold the phone disconnects. I am unable to get help with my concerns. I went in person to a local branch and they were unprofessional and did not want to investigate my inquiry. This bank has had many unethical business practices in the past such as not posting funds when available, overdraft fees for items that were still in a pending status, etc. I have conducted a lot of business via XXXX and never had a problem receive my funds in a timely manner with other financial institutions. Bank of the West is unethical. Im sitting at a branch now and nothing appears to be getting resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts 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  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Equifax has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report XXXX, hoping that you make a better decision in my situation, thank you
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX CAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX, XXXX. Beginning in XXXX of 2020, I have made repeated attempts to freeze my credit with XXXX XXXX XXXX XXXX by all means available. I tried by phone and I am cut off after putting in requested information. I try at XXXX and XXXX and try to log in as instructed, which includes requesting a new password, and every time I am refused accessed to my account and told to call the previous toll-free numbers for assistance. Every attempt to contact XXXX   XXXX XXXX XXXX is refused. 

I sent a registered letter containing all requested documentation for identification, ( Proof of delivery : Tracking Number : XXXX. Your item was delivered at XXXX XXXX on XX/XX/2020 in XXXX, GA XXXX. Status : XXXX XX/XX/2020 at XXXX XXXX, XXXX, GA XXXX ) and a letter requesting a credit freeze. I have received not response from XXXX  XXXX XXXX XXXX concerning my request. 

I had not problem requesting a credit freeze from XXXX  or Experian. I requested credit freeze on line and both Transunion or Experian complied without any problems. XXXX XXXX XXXX XXXX refuse to allow me to make contact by any means.
Product: Credit reporting or other personal consumer reports

As per the Fair Collection Act ( FCRA ), specifically 15 USC 1681 section 1681 ( a ) ( 1 ), the stability of the banking system relies on fair and accurate credit reports. This emphasizes the importance for customer reporting agencies, such as Experian, to carry out their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. As a consumer, I am entitled to ensure that my private information is not shared, as supported by 15 USC 6801, which states that each financial institution must respect customer privacy and protect the security of nonpublic personal information. I did not provide consent for the credit agencies to furnish my personal information. Caused mental anguish and harm for me and my family when I was denied/ unable to use the extension of credit do to these late payments when Congress states in U.S Code 1666 ( b ) that a creditor can not categorize an account with open-end credit plan as late payments for any purpose. 
12 CFR 1022.3 defines fraud as committing or attempting to use the identifying information of another person without authority, which is considered identity theft. The Family Education Rights and Privacy Act of 1974 prohibits the disclosure of records contained in a system of records without the written request or prior consent of the individual to whom the records pertain.

Per 15 USC 1681 section 604 ( a ) section 2, a consumer reporting agency can furnish a consumer report only in two circumstances : with written instructions from the consumer or in response to an order from a court with jurisdiction. I am unaware of any consent given to report transaction history involving other parties on the consumer report. According to 15 USC 6802 ( b ) ( c ), a financial institution can not disclose nonpublic information to a nonaffiliated third party without explaining to the consumer how they can exercise the nondisclosure option. In my case, the furnisher of information to credit agencies did not inform me of my rights to exercise this option.

Furthermore, 15 USC 1681C ( a ) section 5 prohibits consumer reporting agencies from including certain adverse information in a consumer report, especially without authorization. The reporting of adverse items without my permission, as in the case of this account, violates the law. According to 15 U.S. Code 1691-2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate information to consumer reporting agencies, Experian are not maintaining reasonable procedures as required by 15 U.S. Code 1681e. Finally, 12 CFR 1016.7 allows consumers to exercise the right to opt out of any reporting services at any time. I am hereby choosing to opt out of your reporting services.
Product: Debt collection

In XX/XX/XXXX National Debt Credit Systems was contacted by my previous rental company. False claims were made that there was damage done to the property I lived in for over 5 years. The rental company violated my tenants rights. 

In XXXX of XXXX I received a letter from the National Debt Credit Systems giving me one day to respond to a letter they sent about a collection I had no knowledge of. I received the letter on a Saturday and by Monday morning it had been sent to collections. I had no knowledge of this what so ever. I never received a letter from the rental company which I left my forwarding address more than once. It is recorded on the email I sent them after I waited months for my deposit and it never came. I sent an email and directly appealed the decision to keep my deposit. I moved out in XX/XX/XXXX. 

I disputed this through National Debt Credit Systems and sent them a certified letter asking for and itemized breakdown of this alleged damage and any documents they had to make them believe I am responsible for this debt. I never received anything from them. I also called and left 3 messages with the woman handling my case asking her to contact me or send me the information I requested in the certified letter. It is XX/XX/XXXX and I have never heard from this company again. I believe these to be fraudulent claims and the original company has violated several of my rights as a tenant. I am entitled to a reason why they kept my deposit and a breakdown of what they claim to have had to repair.

I had quarterly walk throughs done by the property manager and was never given a bad review and when I moved they told the rental company I was an excellent renter. I believe this to be a false complaint in order to extort money from me.
Product: Checking or savings account

I signed up for the {$750.00} bonus offer to open an HSBC premier checking on XX/XX/2019. Shortly after opening my account i got a call from my relationship manager. During that conversation he had asked if i opened the account solely for the bonus and i told him we will see if I like their product but part of the reason was for the bonus. I met the requirement by submitting direct deposits over $ 5k each month in XXXX, XXXX and XXXX. In XX/XX/2019, I contacted HSBC via their online chat to confirm i met all requirements and was told i met them and its just a matter of time to get the bonus. I also contacted the relationship manager who also confirmed i met all requirements and should receive bonus in 8 weeks. In XXXX, I contacted HSBC again about my bonus and this time i was told to send an email to their Compliance team. Their claim was i didn't open the account by clicking on the offer page and i should send any proof i had. Luckily enough i still had my XXXX  browser history which showed i started the application from the offer page. The sole reason for opening this account was for the bonus. This is not the fist bank i have signed up for bonuses. I am 100 % sure i started the application from the offer page which was sent as proof. HSBC is declining to pay the bonus. I am not sure what other proof i need to show. I was mislead with every conversation and 6 months later they are declining to pay the {$750.00} bonus. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 1. XXXX XXXX credit limit {$9000.00} ( closed ) FRAUD 2. XXXX Bank credit limit {$5000.00} ( closed ) FRAUD 3. XXXX XXXX XXXX  {$140000.00} ( closed ) FRAUD 4. Idaho XXXX and XXXX loan amount {$7200.00} ( closed ) FRAUD 5. XXXX balance {$340.00} ( closed ) FRAUD 6. XXXX XXXX balance {$0.00} FRAUD 7. XXXX XXXX XXXX Balance {$0.00} ( closed ) FRAUD XXXX. XXXX XXXX XXXX XXXX {$2100.00} FRAUD 9. Dept of Ed XXXX Balance XXXX FRAUD 10. Dept of Ed XXXX XXXX {$3000.00} FRAUD 11. XXXX XXXX XXXX {$140000.00} ( closed ) FRAUD EQUIFAX EQUIFAX XXXX XXXX XXXX bank XXXX balance {$0.00} ( closed ) FRAUD opened XX/XX/2018 XXXX. XXXX XXXX opened XXXX XXXX Balance {$0.00} ( closed ) FRAUD 3. Department of ED XXXX Balance {$1700.00} ( open ) FRAUD 4. Department of Ed XXXX Balance {$3000.00} ( open ) FRAUD XXXX XXXX 1. XXXX XXXX XXXX Fraud Inquary 2. XXXX XXXX ( closed ) balance {$0.00} 3. XXXX XXXX ( closed ) balance {$0.00} XXXX. XXXX XXXX ( open ) balance {$2100.00}