23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I just want to send a letter regarding the bizarre and incredible lack of continuity I have received from Synchrony Bank in relation to a recent ID theft. 

Approximately XX/XX/2015 I sent a fax to Synchrony Bank requesting that my wife be added to my Gap at at Synchrony Bank. 

Approximately a week later I started receiving alerts from XXXX about activity on my account. XXXX is a credit monitoring service. 

I called Chevron/Synchrony and a fraudulent account had been opened in my name. The fraud department representative I first spoke with was named XXXX. He was aggressive and unusually improper with how he handled the situation, he threatened me saying that if I did not give him my mothers maiden name I would be held responsible for all ongoing charges to the new account. It seemed very improper to me so I got off the phone and contacted XXXX for help. 

XXXX contacted Synchrony again and stayed on the line while I went through the process of closing all accounts due to fraudulent activity. I had to speak with XXXX different representatives at Synchrony. XXXX of them were outsourced and very difficult to deal with. 

I then received an email from Synchrony Bank dated XX/XX/2015 that stated my wife had been successfully added to the Gap account. I noticed that the address on the email pdf was not mine. 

XXXX XXXX XXXX, CA XXXXI called Synchrony again and reported the address change. The key here is that the correspondence was regarding the Gap card, but what I know know is that whoever stole the info was somewhere in-between the Gap card request made via fax and the Chevron Visa cards that were created fraudulently. 

The next day I received XXXX credit cards from Chevron/Synchrony Bank with XXXX different names on them. XXXX with my name on it and XXXX with complete strangers. 

I called Synchrony Bank and alerted them to the situation, I spoke with fraud CSR XXXX ID XXXX. She gathered all the fraudulent credit card info, names and address of fraudulent cards and transferred me to the lost and stolen card department to have the account closed. She explained that the account had not been closed previously, the it was indicted that I had contacted Synchrony to dispute charges, not to confirm fraudulent activity. It is untrue and incorrect and your recorded customer service lines will prove that. 

I then received a statement with charges amounting to {$4300.00} and called Synchrony again, this time spoke with fraud CSR XXXX who explained that the account was indeed closed, to disregard all statements of activity and that I would receive a fraud claim affidavit to sign and return and in approximately 30 days a final fraud resolution letter. 

The troubles and misinformation I am having with Synchrony surpass anything I could imagine from a credit company and I have chosen to close my only other Synchrony Bank account which was a Gap account. 
As soon as I receive an acknowledgment from Synchrony of any kind I will open a police report and encourage them to be in touch with Synchrony as soon as possible.
Product: Debt collection

My name is XXXX XXXX owner of XXXX XXXX. On my office phone we have been receiving calls for months from Nissan Motor ... XXXX asking for an employee who does not work in the office, he works at XXXX sites. We informed the employee when the first calls came in and informed Nissan Motor the same. Nissan Motor has continued to call sometimes three times a day. I have informed the call multiple times to stop calling and they just say thank you and call back. These calls have impacted my business as we have only one line and only one or two people in the office. The phone in my office is XXXX and the caller is asking for a XXXX XXXX. 
Please help in making these calls stop. Thank You XXXX XXXX
Product: Debt collection

When I was a minor ( about XXXX years old ), I received care from a local XXXX in the XXXX Ohio region by the name of XXXX XXXX. Under the arrangement, I would go to XXXX appointments and they would bill my parents for the appointment. About a year and a half ago ( at which point I am XXXX years old, which is a few years after I stopped going to the XXXX  ) I noticed on my credit report a debt in collections. I called the collection agency and found out the debt was sold to them by XXXX XXXX. I knew this could not be legally my debt as I had never signed any agreement with XXXX XXXX to bill services in my name ( which is essentially opening an open-end credit account ), I never received statements from XXXX XXXX notifying me of the debt and its balance, and I was not of legal capacity to contract as a minor. After I found this out, I immediately sent a letter to both XXXX XXXX and the collection agency requesting debt verification. While the collection agency did confirm that they could not verify the debt and ultimately deleted the account, I never received any response from XXXX XXXX. About 6 months later or so, my brother calls me asking how to handle a debt in collections, and I find out that XXXX XXXX sold the exact same debt amount to the exact same collections agency and put it under my brother 's name instead ( and I don't even think he went there ). Regardless, XXXX XXXX is flagrantly violating TILA, FCRA, and other credit regulations related to the transparency, disclosure, and authorization of debt. When confronted by consumers about their violation of the law, they choose not to respond to the consumer, and instead try to pass off their faulty debt to a different party altogether. I believe it is in the best interest of all current and future consumers in a financial relationship with XXXX XXXX that their credit, billing, disclosure, and authorization practices are audited to ensure compliance with all applicable federal regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$2200.00} ; ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

I had a car and credit card through capitol one. I removed my wife at the time from my credit card somewhere around XXXX of XXXX. She filed for divorce in XX/XX/XXXX. The divorce was finalized XXXX of XXXX. They gave her the car which she paid off in XX/XX/XXXX. She paid the car payment through Capital one app. She didnt have any of my username or password but had access to my credit card purchases. I contacted Capitol one fraud department in XXXX of XXXX and they said she wasnt on the account and she couldnt see my purchases. She sent me pictures of charges from her phone. I had Capitol one cancel my card and reissue me a new card. Also I got a new XXXX XXXX card in XXXX. I had passwords that my ex wife did not know. Then my ex wife sent me more pictures of my account on XX/XX/XXXX. I called Capitol one XXXX department again and told them about this situation and the replied they was no way that she could see my account. I paid off both cards and canceled both accounts. I contacted my ex wife and she said she just login her Capitol one app where she used to pay here car payment and my information was on her dashboard on app. This is invasion of my privacy and Capitol one could do nothing to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I sold the truck on XX/XX/year>. The buyer was waiting on a clear title to pay me. As a former bank director with connections, I had the ability to borrow $ XXXX from my bank to facilitate the payoff, and I sent a check from my bank to Ally Bank on XX/XX/year> in the amount they requested. My banker had tried to get Ally Bank to accept a wire transfer, but they told him that the funds might get lost. I mailed the check at the post office to make sure they timely received it. 
On XX/XX/year>, I called Ally Bank as I had heard nothing nor received anything. They told me the amount was wrong because they had not received it within the 10 day time frame for the payoff amount sent, and had sent the check back to me. I explained that the amount was the amount they had requested, so then they told me that the problem was really the verbiage on the check saying " payed in full. '' When I told them that the check contained no such verbiage, they had a rep from Florida call me with instructions to send the check back to them when received, and that they would accept that amount. 
On XX/XX/year> I finally got the check back and overnighted it to Ally Bank with an additional check for {$400.00}. to make sure that the payoff would occur and my title would be sent to me. Ally Bank received and signed for the checks on XX/XX/year> at XXXX. I called the Florida rep back and left XXXX messages for a call back, but never heard back. 
On XX/XX/year> I finally received my title and lien release in the mail and was able to transfer the title to the buyer of the truck and received payment for the truck, which I then used to pay off the interim loan I had obtained. 
Throughout this extended delay, I was paying Ally Bank $ XXXXday and my own bank XXXX XXXX/day, so the purposefully " slow-play '' by Ally Bank cost me over $ XXXXday while they sat on my funds. 
I am not asking for any financial reimbursement. I would, however, like someone to investigate the operational policies and practices of this lender as this is the second time to experience this scenario with this lender. 
I had he ability to borrow $ XXXX at my bank to " expedite '' the Ally Bank process, which still took 6 weeks from start to finish. The average consumer does not. Again, as a former bank director overseeing seven branches, I have seen these loan payoffs normally handled in hours. 
Because of my experience on two occasions with Ally Bank, my banking experience, and word-of-mouth from auto dealer staff, it is apparent to me that Ally Bank does this to consumers as a normal business practice, clearly making their actions and inactions qualify as predatory business practices. 
I would appreciate the appropriate regulatory people taking a look at their books to determine just how often this is happening to the consumers.
Product: Debt collection

Repeated calls ( several every day ). I filed an earlier complaint but nothing was done. 

I have no debtsIs this complaint process of any use???????
Product: Credit reporting or other personal consumer reports

XXXX is violating 15 USC 1666b . This company is inaccurately reporting late payments on my consumer report on the following dates ; XXXX, XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to XXXX, XXXX, and Transunion to let them know they were breaking the law by reporting certain information on my credit report according to 15 U.S. Code 1681a ( d ) 3, 15 U.S. Code 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) and 15 U.S. Code 1681 ( a ) ( 4 ). The 3 credit companies have been made aware of this via letter in the mail and I've asked multiple times for them to remove this from my credit report. The letter was sent XXXX, XXXX 2021. I have yet to hear from them and the items in question have not been removed. According to 15 U.S. Code 1681 ( a ) ( 4 ) - I have a right to privacy and I deem all information pertaining to me as private including the information on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. Complaint Summary : I am submitting this complaint against [ transunion ] regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). On [ XXXX ], I discovered discrepancies in the following account ( s ) : XXXX. XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX - XXXX XXXXXXXX XXXX  XXXX - XXXX Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 2. Section 611 : Right to dispute inaccuracies and request investigation. 3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, [ Credit Bureau Name ] has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
Product: Money transfer, virtual currency, or money service

I was a victim of an online scam and lost {$7500.00} in XX/XX/2021. I filed a claim with my bank ( Bank of America ) that month but they will not help me because I authorized the XXXX transactions. I received a letter from the bank on XX/XX/2021 stating that the claim was denied. I trusted my bank to process the transactions expecting some type of protection, yet they have given me their back. Online scams must be stopped and the banks/XXXX are not helping at all!!
Product: Debt collection

I have a {$300.00} line of credit through Kohl 's department store Kohl 's collection department calls me within 2 days of the due date making false statements stating wrong amount due, telling me I've been turned over to collections, trying to get more than the amount due. Calls received are approximately 3 a day, every single day from XX/XX/XXXX from blocked numbers and last evening it came through Kohl 's corporate office. I'm going to pay the balance, the harassment is unbearable. Most recently on XX/XX/XXXX even though I was not delinquent, rep stated I was delinquent, I asked if it was in collection and he said yes, I proceeded to ask why I would be reported to the bureau if my payment were due 2 days ago? He played a lot of games with me I made two attempts with him to pay. I was harassed for 27 minutes to try and make a payment he had issues with processing the payment I had a fight on the phone with the individual, he was extremely rude defensive and retaliated, he refused to identify himself or transfer me a to a manager. Subsequently I have continued to have calls from Kohl 's on a daily basis because I've been put in a collection loop even though on the same day after calling twice, a supervisor was was asked to make a note on my account the payment would be put in the mail, it should be there in 7 days. This is their method of operation every single month the payment isn't made early or on the due date.
Product: Credit card or prepaid card

I Have Already addressed Victoria Secret about the late fees that have been applied to the card. 
I experienced a time when I called just about 2 hours after after the due date time. 
At that time, I was assisting my mother as she was ill, there was no internet service where I was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Vehicle loan or lease

I attempted to resolve this issue in XXXX of XXXX in writing with no luck. 3 payments of {$330.00} were made/posted in XXXX of XXXX ; 2 payments on XX/XX/XXXX received on the same day ( interest charged {$20.00} & {$100.00} ) a 3rd payment on XX/XX/XXXX ( interest {$23.00} ). An attorney informed me that because ( 2 ) payments were received on the same day BMO should not have charged me twice with interest. Original loan was 72 months ; this account was closed against my will or primission. I continued to deposit approx. {$330.00}. a month into my BMO account. I forgot about the taken interest payments until I received a survey from BMO bank and I responed with a low score. I received a phone call as to why the low score and I explained my story of double dip intrest charge taken. I was told nothing could be done about this because the account was closed. I withdrew my funds from BMO ( {$5900.00} ). The survey was a reminder of the negligence on my account by BMO. BMO took my interest payment and the availability for me to accure interest on my investment. So I removed my investment from BMO. I am willing to use the accounts again if BMO is willing to make good with what they did, if not Im now good with what I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under these laws these accounts should be removed 15 U.S.C. 1681 ] ( 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. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for filling to properly investigate my dispute regarding the inaccuracies in my credit report. Despite my submissions, Equifax consistently responds with 24 hours stating any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i which mandates a reasonable investigation of disputes.
Product: Vehicle loan or lease

Back in XXXX I bought a car from credit acceptance XXXX XXXX XXXX after then XXXX I got sick I went to credit acceptance and asked do they have XXXX insurance on this long and they said not on this particular loan don't have XXXX insurance so they put me on a payment plan. XXXX I got sick again and was in the hospital for a very long time had to go into XXXX XXXXXXXX with the car I have been paying on it up until this year early part where I got sick again and couldn't no longer make the payment in bankruptcy and they dismissed it credit acceptance repossess the car and XXXX I mean one payment on it to get it back then they said after I got it back I had to pay {$480.00} almost {$500.00} a month for the next 3 years on a car that is not even worth {$9000.00} they say I know for for back payments are in pay {$17000.00} into the car I'm not going to pay his car until XXXX they need to make an offer with me so we can get this settled this was very prepended on their part not to have a XXXX insurance on these loans
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE HAD AN ACCOUNT WITH SANTANDER AND PAID IN FULL. The write-off is the only derogatory information and it is FALSE.     After some investigation I found out that the owner of the account had a very bad accident back in the fall.  XXXX  totaled out the account but there was a dispute over the value of the car, the amount of gap insurance, and a deductible. I could not get much more information because IT IS NOT MY ACCOUNT.     I have also reported this to my state 's consumer protection board. This has wiped more than  XXXX  points off my account. IT IS INACCURATE AND fraudulently reported as failure to pay car payments but it is because they did not receive an amount from  XXXX . Santander decided to falsely report it as missing payments instead of taking up a dispute with the borrower, the insurance company, and THEY WO N'T REMOVE THIS DISROGATORY INFORMATION. They never contacted me because it is not my account. I have never lived at  XXXX   XXXX   XXXX  and have not lived in CT for more than 10 years.
Product: Credit card or prepaid card

I opened a Wells Fargo ( WF ) Small Business Platinum Visa Card back in XXXX. As per it's terms and conditions as shared in the attached I neither received promotional one time credit nor promotional 0 % interest rate for 9 months. 

Upon calling WF team refuse to admit it. I called them day before yesterday ( XX/XX/2023 ) around XXXX pm and they hung up on me then yestedday ( XX/XX/2023 ) and around same time and samething happened after listenign to me and by knowing that the have made a blunder about it their XXXX XXXX hung up on me even after this time I specifically told her to do not do it. I've tried and now tired of calling them hence reching out to CFPB.