23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My credit account with them was closed after filling disputes and was not verified or notified had to get new password to see credit score
Product: Credit card or prepaid card

Last year I rented my apt to various people as XXXX. During that time when I arrived home several months ago I noticed that my credit report had a credit card from SYNCB ASHLEY FURNITURE. I immediately contacted them and they said not to worry that I would not be responsible for the opening of the fraudulent card and transactions. I also need to note that the ironic part is that the fraudulent credit card shows that payments were made and they even had the furniture delivered to the apartment I was renting. I later found out that payments were being made moreover so I would not notice that the fraudulent credit card was ever opened I would have to guess. I received a letter from SYNCB stating the fraudulent credit account is being removed from my credit report and I would have to wait 60 days. Upon the 60 days I received another letter finalizing my dispute and being that payments were made I am responsible for an application I never authorized or approved.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been multiple hard and soft credit pulls on me that was not authorized by me. I do have the XXXX XXXX XXXX, XXXX XXXX, and XXXX. 
The employer info is also correct. There are also several address listed that I have never lived.
Product: Consumer Loan

I ended my lease with Infiniti XX/XX/2016 through a trade into XXXX. XXXX paid off my final 4 payments and disposition fee for a total of {$2000.00} on XXXX/XXXX/2016. This included 4 payments@XXXX for XXXX - XXXX 2016 and a disposition fee of {$390.00}. I had ACH on this loan and additional payments drafted on XXXX & XXXX as I did not cancel the ACH to avoid any potential credit issues if XXXX did XXXX close my lease on time. I contacted Infiniti in XXXX to see what the hold up was with ending my lease and to seek a refund for the 2 additional payments tha were drafted after the time of XXXX being paid off by XXXX. I was told I needed to remit a final odomometer reading statement to close out my account. This was faxed on XXXX/XXXX/16 & XXXX/XXXX/16. I called several other times within XXXX to XXXX to seek my refund and was advised that it could take XXXX weeks to generate an end of lease lyability statement. I once again called XX/XX/XXXX to seek the refund and was advised that the end of lease statement will be expedited to a Manager as it should have generated by now and I was assured it would be completed by XXXX XXXX. I call again on XXXX XXXX as no such letter has yet been generated. I spoke with another Manager who advised they will seek my refund and try to expedite the letter. As of XX/XX/XXXX still no letter available and no refund received. I was assured by the Manager that they will call me back with an update on XXXX and no call was received. The car was returned over 3 months ago and yet I still do not have a refund for my 2 payments that were overpaid as well as anything else that Infiniti may owe me. Please look into this and help me obtain my refund plus any additional recourse tat I may have against Infiniti. I was a loyal customer of Infiniti for over 10 years and leased XXXX vehicles through them and would have expected to be treated more fair.
Product: Mortgage

I pay my mortgage payments with Bank of America ( BoA ) on the XXXX of the month online. ( It takes up to 7 days for it to clear the bank which by the way it is from a BoA checking account ) Unfortunatelly starting on the XXXX of the month, the XXXX harassing phone calls a day will start wanting to know why I have not paid the mortgage. This never ends until the payment has cleared. Is this really necessary? Do they not look into the BoA account and see that there is a confirmation on file with a payment scheduled for clearing before starting the calls? Now the kicker of the most troubling part is that they have now started to call my dad who is my emergency contact asking him to contact me to make payments that technically has already been made. Not only is this annoying, but also disrespectful because I have been a loyal client of the bank for over 20 years. If it was not because I have multiple accounts with them, I would close all my accounts and stick with my credit union.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have request Transunion and XXXX by phone / fax and letters to up date my personal information.

The Creditor XXXX never sent Validation of Debt ( {$130.00}, {$440.00}, {$3100.00} I request this information since XX/XX/2018 With no response XXXX   deleted all all information which shows me that XXXX and TransUnion failed me as a Customer. TransUnion and XXXX has a balance on my Credit from XXXX XXXX that show a Balance of {$880.00} witch is paid in full. Therefore I was denied Credit.
Product: Student loan

I took out a student loan for the amount of {$12000.00} XX/XX/XXXX to attend XXXX XXXX University in XXXX, GA. I was assured that my interest rate was 6 %, and reluctantly agreed. What I did not know at the time was that the interest rate was variable, deep within the many pages of fine print of the original contract. Since then my interest rate has ballooned to 18 % and now currently it has went back down to 13 %. I am not working, and although I have been trying hard to gain employment I have been successful. Back in XX/XX/XXXX, after graduating, I found myself in the same predicament, and XXXX XXXX lenders allowed me to defer my account for three months. Now XX/XX/XXXX, I am in a devastating financial state, and XXXX XXXX says according to the terms of my agreement, I can only forebear it once during the life of the loan. They are now threatening to take me to court, and will not work with me in terms of allowing a brief forbearance while I continue to aggressively attempt to secure employment. They did say I can possibly make a payment plan of {$150.00} a month, but only if I submit my bank statement, and the rep even noted that if they find that I spend money on XXXX or restaurants, they will not consider this plan, because I must " obviously have money ''. The truth is {$150.00} is not bad at all, but I just do n't have that money at this moment. Any advice on how to proceed will be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a serious matter concerning the unauthorized disclosure of my credit information. As an individual deeply impacted by my upbringing and surrounding environment, the safeguarding of my personal data is of utmost importance to me. My unique circumstances have instilled in me a strong awareness of privacy and the critical need for consent in sharing sensitive information. 
Under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically referenced under 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; it is clear that consumer reporting agencies are obligated to operate within strict boundaries to protect individual privacy. This statute mandates that such agencies may only release consumer reports under certain conditions, chiefly requiring the explicit, written consent of the individual concerned.

It has come to my attention that my credit information has been furnished by your agency without my authorization, in direct contravention of section 15 U.S. Code 1681b ( a ) ( 2 ). This section unequivocally requires my written approval prior to the dissemination of my credit report. The absence of my consent in this matter not only violates federal law but also disregards my personal rights to privacy and control over my financial information. 
Given this unauthorized action, I demand the prompt removal of all inaccurately reported information from my consumer report. Should these issues remain unaddressed, I am prepared to seek reparation through legal channels, including but not limited to, initiating a claim for damages in small claims court.
Product: Credit reporting, credit repair services, or other personal consumer reports

The currently reported XXXX XXXX  with account number displayed on my XXXX XXXX report, shown as XXXX. the information I not REPORTED on XXXX in this reported claim on my XXXX report, and alleged as on my Equifax report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a foibleness from the mandatorily utilized reporting industrys own Metro 2 Data- filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements . With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am writing to address concerns regarding potential violations of the Fair Credit Reporting Act ( FCRA ) and associated regulations. As stipulated in 15 USC 1681 section 602a, consumer reporting agencies such as XXXX are duty-bound to uphold their responsibilities with fairness, impartiality, and a commitment to consumer privacy. Similarly, financial institutions, including American Honda Finance, are mandated by 15 USC 6801 to respect consumer privacy. 

In accordance with 15 USC 1681 section 604a section 2, I wish to underscore that the furnishing of consumer reports is contingent upon written instructions from the consumer. To date, neither XXXX nor American Honda Finance has obtained my explicit written consent to furnish my information. 

By invoking my rights under 15 USC 6802 ( b ) ( c ), I am officially opting out of and revoking any and all authorizations, whether verbal, nonverbal, written, implied, or otherwise, that may have been previously granted to XXXX and American Honda Finance. It is noteworthy that American Honda Finance failed to apprise me of my right to exercise the nondisclosure option, as mandated by 15 USC 6802. 

Furthermore, 15 USC 1681 ( c ) ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including adverse information in a consumer report without proper authorization. The reported account is deemed adverse and has been shared without my explicit permission, thereby constituting a violation of 15 USC 1681s-2 ( A ) ( 1 ) ( a ). 

Under 15 USC 1681E, consumer reporting agencies are required to maintain reasonable procedures to prevent violations. It has come to my attention that XXXX may not be adhering to these prescribed standards. 
In accordance with 12 CFR 1016.7, I am formally exercising my right to opt out of adverse reporting services. I respectfully request your immediate attention and resolution of these matters. Your prompt response to this matter is highly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and I have found the following account listed below to be in error. Pursuant to 15 USC 1666b a creditor may not treat a payment on a credit card account under LATE OPEN and consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX  XXXX XXXX Balance : {$330.00}
Product: Checking or savings account

I attempted to open a Savings Account with Discover Bank and was denied due to issues with their identity verification process. For reasons their representative can not explain other than " It's policy '', they are unable to validate me against an existing Discover credit card account that is in good standing. They will not open the account unless I send notarized documentation to them. I offered to send them photo ID ( US Passport ), offered them additional phone numbers to validate against, they refuse and insist on the notarization process. I do not feel I should have to pay money to a notary to open a savings account, particularly with an institution that I already have an established and very positive relationship with. The need to validate my identity is understandable, given the threat of identity theft, but they should have a process in place to accomplish this that does not cost their customer an undue amount of time or money. This is particularly frustrating given that I already have an established relationship with them on the credit card side of the business and can not simply open a new account off that established relationship.
Product: Credit reporting or other personal consumer reports

15 U.S.C 1681i ( 5 ) In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, # XXXX, # XXXX, # XXXXhas violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15U.S.C 1681 section 604 section 2 ; it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a account reporting as XXXX XXXX XXXX XXXX on my credit report. I am NOT responsible for this account. I have reached out to transunion on multiple occasionally asking them to investigate and send me the finding of the investigation. They have failed to do so. There is already a fraud alert on my credit report.
Product: Credit card

On XXXX XXXX, My macys card was used in XXXX XXXX to charge over XXXX in charges. I contacted Macy 's as soon as the bill arrived and let them know of the fraud. I was then informed recently that the charges were mine and were not fraud. I verified the fact that at the time I was in California sending them XXXX other credit card statements with charges in XXXX XXXX at the same time as the fraudulent charges. I just spent 40 minutes on the phone with them to be hung up on with no follow up call. They are refusing to hear my pleas and failing to remove the charges as well as now reporting me late on repayments.
Product: Vehicle loan or lease

Subject : Request for Assistance with Car Payment Due to Total Loss Loan Account Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention the current financial difficulties I am facing in making my car payment. I kindly request your understanding and assistance during this challenging time. 

On XX/XX/2023, my vehicle, financed through US Bank, was involved in a significant accident resulting in a total loss ( flooded ). I have since filed a claim with my insurance company, and they are currently evaluating the extent of the damage to determine the fair cash value of the vehicle. 

While the insurance company is actively working on my claim, I find myself in a situation where I am unable to make my car payment as scheduled. The financial burden caused by the loss of my vehicle and the associated expenses has temporarily strained my budget. 

I understand the importance of meeting my financial obligations and maintaining a good payment history. However, the circumstances surrounding the accident have placed me in a position where I am unable to fulfill my payment responsibility until the insurance company settles the claim and provides the cash value of the vehicle. 

I kindly request your cooperation and support in extending some flexibility with regards to my car payment. I am committed to resolving this situation as soon as the insurance company makes the payment, and I am back on track financially. I assure you that I will work diligently to bring my payments up to date promptly. 

I value my relationship with US Bank and the trust you have placed in me as a responsible borrower. I have always maintained a good payment record, and I believe this situation is an unfortunate and temporary setback that I am working diligently to overcome. 

If there are any alternative payment arrangements or solutions that XXXX Bank can provide during this difficult period, I would greatly appreciate your consideration. Any assistance you can offer will not only alleviate the immediate financial burden but also ensure that I continue to fulfill my financial obligations to US Bank in the long term. 

I would be grateful for the opportunity to discuss this matter further or provide any additional information or documentation required to process my request. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. I am available at your convenience to address any concerns or answer any questions you may have. 

Thank you for your understanding, support, and consideration in this matter. I have confidence in US Bank 's commitment to customer service and trust that you will take my current circumstances into account while considering my request. I look forward to a positive resolution that allows me to maintain my financial responsibilities and continue my positive relationship with US Bank. 

Yours sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is improperly and impermissibly reporting an account to the Equifax, XXXX  and XXXX  consumer as a " paid repossession '' when this is not the case. Moreover, the account has been reported twice to each of the agencies and has an inaccurate payment history - some with delinquencies reporting as late as XXXX, 2020. Complaints to the creditor and the credit reporting agencies have been ignored.
Product: Debt collection

This is a formal complaint about inaccurate information being reported on my credit report. Under the law, a credit reporting agency must take action to verify information submitted as inaccurate. And verification must be submitted to me and I have NOT received any verification. I believe the following information to be inaccurate. 1.CREDITOR NAME - FRANKLIN COLL . - Account type- COLLECTIONS. **I am disputing this account for inaccurate information. I had sent letters on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX to FRANKLIN COLL, did not hear back from them on both occasions. XXXX is reporting negatively on my Credit files and they all need to remove them immediately. FRANKLIN COLL information is fraudulent and inaccurate and that they need to remove FRANKLIN COLL IMMEDIATELY FROM all MY CREDIT FILES, I have not heard back from XXXX or FRANKLIN COLL. As of XXXX/XXXX/XXXX, FRANKLIN COLL is still reporting negatively on my all three credit files. I want this deleted immediately from XXXX credit files Now. I am getting no answers. The last report date of the account was XXXX/XXXX/XXXX so there 's no excuse as to why this accounts displaying inaccurate information. Thank you for your help
Product: Credit card

I opened a blue American Express credit card earlier this year. As part of the new account promo, I would receive {$200.00} in credit upon purchases of {$2000.00}. 
I met the threshold for the promo code and it was applied to my account. 
Today, American Express emailed me and told me the {$200.00} reward would be rebilled to my account. I called and spoke to an agent who said I made some returns. I had no idea that I would be rebilled, there is no warning or tracking of purchases towards the promo, which is deceptive. 
I will be closing both the credit and savings account I have due to this. Shame for them since I had $ XXXX in my account with them. 
I can not give my business to a deceptive company who I feel has wronged me.
Product: Debt collection

NOTICE TO CEASE & DESIST ALL COMMUNICATION AND COLLECTION ATTEMPTS : PRA LLC, is in violation of Title 12 USC 5531 : Prohibiting unfair, deceptive, or abusive acts or practices.

PRA LLC, is liable for damages pursuant to : 15 U.S. Code 1681n - Civil liability for willful noncompliance PRA LLC, is in violation of Tit

le 16 CFR 660.3 : Reasonable policies and procedures concerning the accuracy and integrity of furnished information. Company policies do not supersede law ; I am invoking my consumer rights and demand you to provide a written copy of your company 's guidelines. I also demand PRA
LLC to provide FULL DISCLOSURE OF YOUR PROCESS.

I also demand a full accounting of the ledger including consent to contract, transactions and acquisition of my personal identifying information. No consent is equal to identity theft.

I am disputing the validity of this alleged debt. I have not now nor have I ever been in contract with PORTFOLIO RECOVERY ASSOCIATES , LLC ( PRA, LLC ). Pursuant to 15 USC 1692g - validation of debts, this company is in violation of federal law. They are THREATENING to furnish an account to the Credit Reporting agencies under the guise of it belonging to me as a " collection account ''. As a consumer, I have not now or ever extended my credit to them, they have not now or ever loaned me money. I received a notification from PRA, LLC dated XX/XX/23 in response to my initial demand to CEASE & DESIST from contacting me regarding account # XXXX. I am asking PRA, LLC to provide an original contract with my signature, offer and acceptance. Copies will not suffice. I would also like to see the assignment of debt ; including a detailed accounting of any ledgers. I would also like this company to show they are registered in my state to even attempt to do business and collect on this alleged debt. This company is also in violation of 15 USC 1692e by making false and misleading representations. I also demand PRA, LLC again to to cease and desist from furnishing anything to any of the credit reporting agencies on my behalf as I also have not now or ever given them permissible purpose to do so and will not give it in the future. Any continuance or disregard to this notice will be deemed as direct violation of federal law as I am a Federally protected consumer and will also file suit for defamation of character. Pursuant to 15 USC1692 ( C ) C I am notifying you once again that I refuse to pay this alleged debt, and I am demanding you cease all forms of communication with me ; as well as cease & desist all collection/extortion attempts through any medium unless it pertains to my remedy in writing via mail.
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX     Ref : Account  XXXX  To whom i t may concern , This letter is to file a formal complaint against Citibank. Let me start by saying that when I first opened this account 2 years ago I was never explained how the line of credit would worked, which caused an issue for me as I began to accrue charges on my account. Sometime around   XX/XX/XXXX  I called customer service and inquiry about the balances showin g on my bank statement. This customer service Representative assure me that I did not owe any money that the balances on the statement was the money that I have. Today when I received my bank statement I called the customer service and find out that in fact I had a {$1100.00} balance on this credit line which I have been charged interested since  XX/XX/XXXX , as well as {$10.00} transfer fee for each transaction. I had money on my savings account and I asked why the money was not taken out of the saving account to cover these fees instead of continuing to charge me interest for almost a year. I do not believe the charges are fair. I hope that this could be investigate and resolved. I paid all of the balance so that I do not have to pa y 16 %   interest anymore.     Sincerely,  XXXX   XXXX