23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently noticed that XXXX is once again reporting past due payments on my credit report for all of my accounts with them. The issue is that all of my school loan accounts are in forbearance due to the Department of Education continuing their investigation into fraudulent practices by XXXX University. XXXX has been aware of this but off and on they report a delinquency on my credit report despite their knowledge of this.
Product: Checking or savings account

I scheduled a payment to put {$620.00} on my rent and unfortunately forgot about it due to a mental health issue. My account was overdrafted by {$230.00} and some change ( I can not remember the exact amount of change ), when I checked my account on the morning of XX/XX/year>. I deposited {$250.00} on XX/XX/year>, at XXXX. I have done this in the past, and never had an issue with a returned check fee. 

My account is set up to return payments if I do not have enough funds. But I have been a customer with Bank of America for my entire adult life ( 20 years ), and NEVER once has anyone properly explained how the cutoff times work. As a matter of fact, XXXX ( the supervisor I spoke with today ), specifically told me on a recorded line that she doesn't even know the cutoff times. 

In addition to that, I have been specifically told that as long as I deposit the funds before XXXX, that my account would be in good standing. I was never told before today ( XX/XX/year> ), that the cut off time for electronic deposits is XXXX. I was never told before today the cut off time to deposit electronic funds was XXXX hours earlier than cash. I was however told on a recorded line ( although the last time was a few years ago a few years ago ) that I had until XXXX to deposit any funds and keep my account in good standing. In this instance " Any '' could only mean cash or electronic deposits. 

XXXX is telling me that Bank of America refuses to pay the third party fee that I'll now be charged, because it's not a systematic error. And XXXX also acknowledged ( on a recorded line ) that although their agents misinformed me or haven't informed me this information in the last 20 years ( despite me asking ), that they're refusing to take responsibility for their agents misinforming me ; that along with the supervisor admitting she doesn't even know, means it's absolutely Bank of America that dropped the ball. 20 years. Never had this issue. 

The XXXX fee I did have for my rent that was my fault ( this was several years ago ), I paid it. Because I never deposited the money that time. So I take responsibility when it's my fault. But Bank of America telling me that they gave me a packet 20 years ago with the fee schedule ( I do not have a fee schedule from 20 years ago memorized, I have had multiple concussions ), and that is sufficient, is absurd. Because again, it's impossible for me to have retained that information, and also I was given the wrong information on numerous occasions since then. 

I appreciate XXXX, because she was the first person to tell me what exactly is going on with the returned checks and breakdown all the cutoff times. But I refuse to allow Bank of America to refuse to take responsibility for the misinformation I've been given over the years. 

Also, I've done this before, but again, before today, no agent ever explained to me ( even after me asking about returned checks ) that what time the rent actually processes vs when the money is deposited makes a difference ( Although it's within the same day ).
Product: Checking or savings account

I am filing a complaint against Capitol One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capitol One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings Account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in insignificant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit card or prepaid card

I am attaching a document that has screen images and describes my three complaints. 

Complains 1 deals with an erroneous charge showed up on my account statement from Synchrony Bank this month. Syncrhony refuses to accept my request to dispute the charge. My only option according to their customer service representative is to report it as a fraudulent charge. I believe the charge is an error by Synchrony. I called Amazon.com and spoke with a customer service representative and they have no such transaction in their records. 

Complaint 2 deals with Syncrhony not providing on the statements a way to reference charges for Amazon purchases. They provide an erroneous transaction type of number that is not available in the Amazon system - at least to customers. Sometimes transactions/orders are split up and this can make it impossible to verify amounts. Indeed, had this type of system been available for this current dispute it would have provided a tool to try to understand what happened. 

Complaint 3 deals with the fact that Synchrony has its chat option activated but it is clearly unavailable. I understand this because of the pandemic, but what is unacceptable is that it still forces customers to go through a number of steps only to find this out.
Product: Credit reporting, credit repair services, or other personal consumer reports

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
TransUnion, XXXX, XXXX are non-affiliated third companies & an invasion of my right to privacy
Product: Debt collection

To whom it may concern. With accordance with the fair debt collection practices act ( FDPCA ) 15. U.S.C 1692G. I would like A Validation of this debt letter. I would also like the original contract with the original creditor with my signature on it. The only information you sent me was a account summary report. Be advised that I am fully aware of my rights under the FDCPA and FCRA and will take appropriate legal action if these rights are violated.
Product: Debt collection

On XX/XX/2021, I sent a certified letter to National Credit Adjusters ( NCA ) to verify a debt appearing on my credit report in the amount of {$690.00}. As of XX/XX/2021, I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my investigation results twice from Complaint ID XXXX and Complaint ID XXXX and saw some accounts were verified by you. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, family, etc? If so, please inform me of the person who completed this investigation. One more thing, I was reading the FCRA and noticed you violated these laws as well : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681a. ( e ) 15 USC 1681b. ( a ) ( 2 ) 15 USC 1681i. ( 5 ) ( A ) ( i ) I, XXXX XXXX, consumer, and natural person, am aware of all my rights that I have, and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1 ) Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation 2 ) Account Name : XXXX  Account Number : XXXX XXXX XXXX XXXX Delete This account Immediately, unless you want to pay {$1000.00} per violation Please See my attached Credit Reports Printed on this Date XXXX and this Date XXXX that have the exact same mistakes on many places of the report as I have circled for your convenience. What is outstanding and a complete violation of the so called Verified Accounts is the amount of mistakes that were never fixed from before nor after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give SYNCB/SAMS club written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : SYNCB/SAMS CLUB DATE OF INQUIRY : XX/XX/20XXXX XXXX
Product: Checking or savings account

On XX/XX/19, I was the victim of grand larceny by communication when a scammer claiming to be my mortgage lender 's attorney ( I was just about to buy a house ) duped me into wiring them {$100000.00}. The FBI and my bank ( XXXX ) have worked quickly and diligently and I will hopefully get " almost all '' of those funds back. But I want to lodge a complaint against the recipient bank Wells Fargo, which fails to verify all beneficiary account information before opening bank accounts. The bank account was fraudulently set up in the name of my mortgage lender 's attorney. Wells Fargo is the only bank that doesn't verify EIN # s, etc. before opening accounts, as I understand this is not a formal banking regulation. Please do what you can to make verification a requirement. My attorney tells me he has recently heard of several lawyers-clients who were victims or near-victims of this scam since Wells Fargo allows illegitimate persons to set up accounts in the names of other people/companies. Also, I understand the US Attorney likely won't prosecute the people who committed this crime as the amount was under {$1.00} million. However, I imagine their scam has collected well over that amount from numerous people connected to home purchases, especially in the expensive New York region.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to report my account late monthly to the various credit agencies. 

The student loan account was charged off and I was told would be sent to a collection agency. The agreement was that to avoid being sent to a collection agency, I can pay XXXX XXXX the monthly agreed upon payment directly at a reduced interest rate. 

Ive been paying them approximately {$200.00}, as agreed, monthly over the last two years, never late during that time. However, XXXX XXXX has been reporting my account late every month with the credit bureaus r

eporting the account as failed to pay. Ive included a copy of the XXXX   credit report which reflects the current balance of {$35000.00} ( original balance of {$33000.00} ). There is a past due listed if {$9300.00} which is not consistent with any communication provided by XXXX XXXX. 

The repayment terms are 235 months. 

The current monthly payment of {$200.00} across 235 months at 0 % interest, clearly indicates that it more than pays for the debt over that period of time. As such, the reporting to the various credit agencies is incorrect. The account should be reported as current - in repayment - paid as agreed. 

XXXX  previously removed the account for a month based on my dispute but they started to rereport as of last month. I would like for this account to be reflected correctly on a monthly basis as paying as agreed or removed from my credit report permanently with no future reporting. 

Thank you, XXXX
Product: Debt collection

Diversified Adjustment services called me and threatened to ruin my credit and have me deported if I did not pay a utility company for a debt I either don't know or that is the product of identity theft. Diversified Adjustment Services Inc said that although I was born overseas in XXXX XXXX as US Citizen because my father was in service, and as a result if I lost paperwork and didn't pay the bill that they would report me to someone at XXXX for immediate deportation ( lived in country for over 40 years as US citizen ). 

The phone number that called me was XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous UNAUTHORIZED hard inquiries on my credit report for which were not authorized by me, XXXX XXXX XXXX, and they need to be deleted. Inquiries include : XXXX XXXX ( XX/XX/2023 ) XXXX XXXX  XXXX ( XX/XX/2023 ) XXXX XXXX XXXX XXXX ( XX/XX/2023 ) XXXX ( XXXX and XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report.

Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. 

Please correct this account : XXXX XXXX XXXX XXXX : {$31000.00}
Product: Credit card or prepaid card

XXXX Sent payment to Vendor {$54.00} ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Contacted merchant about receiving product, thank her about the product but item wasn't as described. Received item defective. 
XXXX Reported to bank Wells Fargo XXXX filed dispute. 
XXXX Vendor messaged me to check why I filed a bank dispute since I received the product but she didn't want to resolve issue anymore since it's been 2 months but she was informed when I filed the dispute. Vendor threatened me to cancel the claim because it's not fair. She insisted on fixing the issue and stating I should quit the claim. I feel like I should have gotten at least partial refund or credit from her business, nothing was offered. The product I received had a hole and item was not wearable at all. 

It's been more than 90 days and I haven't heard from my bank about this issue.
Product: Credit reporting

Dear Sir or ma'am, Today, I spoke to a representative from Equifax to dispute a dismissed Chapter XXXX bankruptcy on my credit report, which was filed in XXXX 2006. 

However, He stated to me, " This is Federal Law and it Can not Be Removed ''. Hence, I can not dispute this item. Subsequently, he gave me the phone number to the Federal Trade Commission at XXXX. I explained to him XXXX and XXXX gave me a suspense date of seven years for this public record, and could not explain the discrepancy of their-Equifax differentiation of ten years. 

Ultimately, my complaint is for Equifax to remove this derogatory public record as the other XXXX credit bureaus have done.
Product: Credit card

I have had this credit card for 8 months, and I have spent over {$40000.00} on various business expenses related to my work travels. Given the frequent need for car rentals, hotel bookings, and meals while on the road, it would greatly benefit me to have a higher credit limit. Having a convenient credit card with an increased limit would allow me to manage my expenses more efficiently and eliminate the need for frequent credit limit adjustments. I take pride in my timely payments and have never been late on any payment so far, which further supports my request for a credit increase.
Product: Debt collection

Events at XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OR XXXX - We pay rent on XX/XX/XXXX. 
- Loss of heat XX/XX/XXXX with notification of service request sent to building. We hear from other tenants that their heat is also out. 
- We pay rent on XX/XX/XXXX. 
- XX/XX/XXXX we send a notification of termination of our lease at the end of XX/XX/XXXX and receive confirmation on XX/XX/XXXX from management. 
- On XX/XX/XXXX, other tenants also lost heat and were compensated with 1 month of rent in contracts with the building without requirement to extend lease or renew lease. I have a copy of this contract. 
- On XX/XX/XXXX we don't pay our XXXX rent, having continued to have no response and continuing to have no heat for now nearly 2 months. 
- On XX/XX/XXXX another renter is offered a one-time rent credit for one-month 's rent without contingency on continued lease or renewed lease as compensation for inconvenience of having no heat in the middle of winter. 
- On XX/XX/XXXX we are offered a one-time rent credit for one-month 's rent contingent on us choosing to continue our residency with XXXX XXXX and renewing our lease.

- XX/XX/XXXX discriminatory practices are brought to the awareness of the XXXX XXXX by email. 
- XX/XX/XXXX 10-day nonpayment of rent notice threatening " if rent is not paid by deadline set forth below, your Rental Agreement will terminate and the landlord will proceed to take possession of the premises in accordance with Oregon law XXXX '' - XX/XX/XXXX - we receive a response by email from XXXX XXXX ( XXXX ) stating " I was able to converse with ownership this morning. Their position on your request has not changed. They believe they have the right to offer remediation to residents at their discretion. The fact that you are in violation of your lease by not paying XXXX rent only reinforced them in their decision. I do realize you were hoping for a different answer, however, at this time ownership and thus XXXX consider the matter closed. '' - XX/XX/XXXX - we move out and vacate the property with all our belongings having still not paid XX/XX/XXXX rent. 

Debt Collection Around the beginning of the year XX/XX/XXXX we star to get phone calls from various numbers with representatives from Columbia Debt Recovery LLC DBA Genesis trying to confirm our identity, information and request payment for debt we owe on behalf of XXXX XXXX. 
On XX/XX/XXXX I send a cease and desist message to Columbia Debt Recovery LLC DBA Genesis by email. I provide them with all the evidence of predatory practices and discrimination by XXXX XXXX. 
on XX/XX/XXXX we receive a response from : COLUMBIA DEBT RECOVERY LLC DBA GENESIS, XXXX XXXX XXXX XXXX, WA XXXX with a validation of debt with XXXX XXXX as an attached XXXX 

We continue to have a decreasing credit score due to the debt collection efforts being sent to credit reporting agencies for a debt that is unjust and should not be due.
Product: Debt collection

In XX/XX/XXXX, I bought a used car through XXXX XXXX that I later totaled in XX/XX/XXXX. When I purchased the car, I also purchased the GAP insurance, which is supposed to pay off any remaining balance not covered by insurance. It did not pay off the balance. Two years later, XXXX sent me to collections. Central Credit Services LLC sent a letter offering a settlement amount, which I accepted. I started my payments XX/XX/XXXX, to pay the settlement amount of {$1500.00}. In my agreement with Central Credit Services LLC, I agreed to pay weekly payments of {$25.00}, till paid in full. I mail the payments out every Friday, my payday, and I write the account number on every check. Two weeks ago, I received my envelope with my check Return To Sender, Undeliverable. I figured I had written the address too sloppy or something. I then put that envelope stamped Return To Sender, that {$25.00} check, and the current weeks {$25.00} check into another envelope to send back to them. I did not want them to think I was breaking our settlement agreement. This past week on XX/XX/XXXX, I received a letter with one of my checks ( number XXXX ), saying that they were unable to verify a valid account. They were requesting additional information, such as my name, account number, address, etc. Before check XXXX was returned, check numbers XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have cleared. Check XXXX has been returned to me. Check numbers XXXX and XXXX have cleared since they first received check XXXX. As of today,XX/XX/XXXX check numbers XXXX, XXXX, XXXX, XXXX have not cleared and are still in their possession. Is this debt finally paid in full? And if they don not have a valid account, where did the checks go that were cashed, and where are the checks that have not cleared?
Product: Debt collection

I checked my credit report on XX/XX/XXXX to see a collection from Blackwell Recovery ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ) for {$780.00} for a purchase supposedly made on XX/XX/XXXX. When looking at the collection on my credit report, there is no information for days late XX/XX/XXXX, no information on account type, only that the original creditor was XXXX XXXX XXXX, who I have never had an account with. I do not know what this debt is, nor have I ever had a personal or business account with XXXX XXXX. I have disputed this charge, and have contacted Blackwell Recovery ; however, I am unable to reach them and have received no notices by XXXX mail or email in regards to the collection. This account is not mine, and I have no knowledge of the account, and to reiterate, have never had an account with XXXX XXXX.