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

My sister-in-law XXXX in a car accident on XX/XX/XXXX. On The XXXX of XX/XX/year> she recieved a check XXXX XXXX {$4000.00}. She didnt have a bank account and so she signed the check over to me and deposit into my account. The insurance company Which also Banks at the same bank. For some reason the insurance company sent out 2 checks.Well after this stop payment. 
They froze or restricted my account For fraudulent activity. And In the meantime, I went into a local branch I talked to some guy, he talked to the fraud department, they lifted the restriction. I deposited money into my account so that it was out of the negative cause i also had a service fee like XXXX negitive and deposited the second Insurance. That check went through But in the meantime they closed my account for fraudulent activity and they are holding the check For a third party verification. My sister-in-law went and turned her phone service on because she hadn't had phone service, she used my cell phone And they said it still did not come back to her name And can not verify her. And then after that, Uh, I called the bank for our department. Again, they told me to have the company, put a recall on the check and then after the recall was, put on the check, that they would be able to Resend the new checkch and that did not happen either. Because the insurance company said that the bank was showing that the check was paid, so they couldn't issue one. So now I'm at the point where I don't have any way to verify my sister-in-law 's identity, My bank account has now been closed. 
And they are said that they are holding the XXXX XXXX dollars. Until the phone verification can be done, but it's not possible to be done. We offered every possible solution and they're saying that the phone verification is the only way.to release the check that says it's been paid
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX in which there is no lawful contract with the company has continued to contact after a cease and desist and will not produce the claim they have against the account the account holder or the original wet signature contract between both parties. This company obtained my private information without consent and authorization and now us unlawful reporting a account to damage the credit worthiness of the principal surety
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  Balance- {$930.00}
Product: Credit card or prepaid card

Hello, I booked a flight in XX/XX/2020 for a trip using XXXX Chase Ultimate Rewards points and {$11.00} in cash for a trip to XXXX on XXXX XXXX departing XXXX XXXX, 2020. On XXXX XXXX, 2020, the airline cancelled 3 legs of the flight. I immediately contacted Chase for a full refund since the airline cancelled my flight. After more than 3 months of back and forth Chase is denying me a refund of my Ultimate Rewards points and cash, instead offering me travel credit with the airline ( which I never requested and don't want ). Since the airline cancelled the flights, not me, and because it's departing from within the US, the Department of Transportation states that I'm entitled to a full refund in my original payment form. I've explained this to Chase and they refuse, saying that the airline doesn't want to give me my refund. I've also filed a complaint with the Dept. of Transportation, however I'm hoping you can help resolve this issue for me with Chase directly. I paid for a service in cash and points and that service was never provided because of the airline. I've attached documentation of all this. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello- I have reached out to the credit bureaus, department of education and aidvantage. Currently at all 3 credit bureaus it shows that my loan repayment terms are " 4 months '' therefore my debt to income ratio is ridiculously high when applying for credit. Aidvantage told me that my loan time frame is for 25 years, therefore I want the whole repayment terms length being " 4 months '' fixed.
Product: Mortgage

my mortgage company will not allow me to make a partial payment and in turn charges me late fees on the full balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

Synchrony bank systemically targets consumers with unjustified, unverified " late fees '' ... they purposely delay posting payments to collect late fees. They also consistently deliver their payment requests DAYS before the due date. When I ask for evidence of my payment being " late '', when I purposely send 10 days in advance, they don't produce any form of verification. 

They operate as more of a loan shark than a bank. The XXXX XXXX is passing legislation to prohibit this type of illegal behavior but Synchrony is trying to get as much late fee revenue as possible ... on multiple store accounts where they have bought the credit. 

CHARGING LATE FEES IS THEIR STRATEGY!?!?!?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX {$75.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$140.00} .... violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I have an unauthorized account on my credit report that needs to be removed immediately. 
MID-ATLANTIC FINANCE
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX with Social Security XXXX, a resident XXXX XXXX XXXX, XXXX, Texas XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : 1. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX Texas XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent.

o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements.

3. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After sending several rounds of disputes I have not gotten any justice. This complaint is in regards to XXXX Account number XXXX in the amount of {$14000.00} that Equifax continues to report on my credit report. 

This account has been charged off and according to the IRS publication 4681, if your debt has been cancelled or written off by the lender, you will not need to make any payments on the debt. However, you may be required to pay taxes on the cancelled debt amount reported on the XXXX form. The IRS treats the cancelled debt as income, and you will need to report it on your tax return. Income is not to be reported as a debt on any credit report because it is considered income and not a debt owed.

This is also a direct violation of my privacy and rights according to the Violation of Privay Act of 1974
Product: Credit reporting or other personal consumer reports

There is inaccuracy in my consumer reports and 15 USC 1681 ( B ) protects me XXXX XXXX XXXX as the consumer, my XXXX report claims I owe XXXX XXXXXXXX XXXX  XXXX while my XXXX report shows the balance at XXXX paid in full and my Experian claims another amount this is considered Inaccuracy on my customer report which is also against the law as XXXX XXXXXXXX XXXX Terms and Conditions page 33 stated they will not give out or sell my information to Non-Affiliates 3 rd parties. XXXX, XXXX and Experian arent affiliated. These corporations are also violating the Privacy Act of 1974, its illegal to report Transactions History but I am still seeing it present on my consumer reports. A charge off is considered Income why then are there charge off accounts reporting on my consumer reports these are all violations as I have not given written nor verbal consent to XXXX, XXXX nor Experian to report on behalf of XXXX XXXX XXXX, XXXX XXXX, etc. Under 15 USC 6802 I have a right to Opt Out of anything on my credit report I OPT OUT of XXXX XXXXXXXX XXXX  reporting to my statement and all other 3 rd party non affiliates reporting on my consumer report without my consent Charge Off are considered income and can not be reported on my credit report kindly remove them all a certificate of indebtness is my income why do you continue to use it against the consumer thats also a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reported to Credit companies by my mortgage company. I have never been responsible for a late payment of my mortgage. The new mortgaging company reported me late although my bank sent them two letters saying it had not been my fault. i understand they reported me late for a XX/XX/2018 payment, when in fact i made it on XX/XX/2018.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Reports charge off from XXXX. This account was also paid in full. The letter is attached. it was not a charge-off as reported. It was on auto pay and paid on time It was not a charge-off as reported. It was on auto-pay and paid on time.
Product: Mortgage

I have hurricane damage to my home. My insurance company released a check to my mortgage company, and my mortgage company will not release funds to me.
Product: Debt collection

My social Sercurity number was stolen along with date of birth and someone opened a auto loan account in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act XXXX account 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 XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I traded in a XXXX XXXX on a new XXXX. The day I traded I went online to VW credit and logged into my portal and pulled a pay off good for two weeks. The pay off did not state that it was specific to myself or a car dealer. It simply stated the pay off amount and residual value of the car. We gave XXXX our pay off quote and closed a deal. It turns out the XXXX dealer never called VW to get a payoff but simply went with my quote. 1.5 months later VW sends a short pay off letter to XXXX. XXXX then demanded I pay the XXXX shortage in one week. When I started making calls it turns out that VW only honors if the pay off if I am buying the car out right. Since the dealer was buying the car and keeping it they say they don't have to honor the written agreement that I had with VW. They quoted XXXX XXXX more than my payoff. However the pay off quote I have states nothing to this fact nor will they send me something in writing to this fact. I am confused how a finance company can give out different pay off numbers to a third party when it was my car to trade in if I wanted with my terms intact. Is this common practice and legal? If the pay off sent to me did not disclose this fact how can they change numbers after the fact? The mgr in VW finance said the payoff should have stated this but I have the written doc from them and it states nothing about this. Seems super shady and illegal. Please advise.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. 
1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 late payments on my credit from XXXX XXXX XXXX regarding my payments. I ask for payments extension becouse i have a family emergencies and I have to pay other loans so they dont go to collection. Some payments there were revarse of froud in bank. The payments are from XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. Please help me fix this errors from my credit reports and have XXXX XXXX XXXX correct this mistakes. My name is XXXX XXXX account number XXXX
Product: Checking or savings account

On XX/XX/year> I made a XXXX figure deposit into my checking account at chase. I was advised when I made the deposit that there would be a hold on check until XX/XX/year>. I called the bank on several occasions that the hold could be lifted and that I had to call back and Everytime I did I got nowhere. I advised that they could call XXXX first bc I had proof that the funds had been taken from the account but I think I am being jerked around. Now I want the account closed and they can not because the check is on hold. Well if the money is not at chase why can't they close my account.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX XXXX  and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Product: Consumer Loan

I visited the Lending Tree website and clicked on a link that said " view your free offers ''. I entered name, address and supposedly my last XXXX digits of my social ( per lending tree ). At no time was I told I was applying for a loan or my credit would be run. I am now getting tons of emails and call re : my loan application. I DID NOT apply for a loan or give permission to run my credit. Sent XXXX emails to lending tree customer service with no response. Called today and was told that at very bottom of the page there is a terms and conditions link. This is unacceptable. At no point did there site say ... loan application. There has been several hits on my credit report ... ..and I did n't apply for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XXXX XXXX, XXXX Account type Credit Card - Revolving Terms Usage : 31 % Balance on XX/XX/XXXX Credit Limit {$340.00} {$1100.00} Payment Info Status Current, was past due 60 days Status date XX/XX/XXXX Past due amount - Highest balance {$1200.00} Monthly payment {$25.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX 30 60 30 XXXX XXXX XXXX On Time 30 Days Late 60 Days Late Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX N N N N N N N N N N XXXX N N N N N N N N Negative Data Unavailable
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are 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 update these items. 

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

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an investigation request to XXXX and Trans Union.  They are supposed to respond with the results within 30 days, but they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I have submitted documents to the company and the credit bureau proving that the accounts listed below are inaccurate and should be deleted immediately ... ..they are also fraudulent. on my XXXX report it is listed as XXXX XXXX account XXXX XXXX opened on XX/XX/XXXX on my Transunion report XXXX is listed as XXXX XXXX account # XXXX opened on XX/XX/XXXX also on my Transunion report XXXX account # XXXX amount {$53000.00} is completely fraudulent and is not showing on any other of credit bureaus reports... .. inaccuracies alone is cause for this to be deleted immediately! They are also Fraudulent. The company refuses to remove these accounts knowing they are wrong and fraudulent. Please assist me in getting this done... ..the BUREAUS are always intentionally destroying our lives.
Product: Payday loan, title loan, or personal loan

https : XXXX This petition says it all. You can never pay it off. I have paid XXXX $ mo. And paid what was owed but 140 % interest keeps causing it to go up! One of their loan persons admitted you will never be able to pay it off by payments. One supervisor told me learn to walk. We get your car.