23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am a small vehicle wrap company. We reached out to synchrony in order to allow our customers to finance their purchases. We were at the starting process of understanding how their company works and the services that they could provide. Their representative was completely unprofessional. Despite repeated notifications that her voicemail was full it continued to be full over the next week of correspondence. When we were finally able to coordinate our schedules and have a discussion we were disconne during the most important part of our phone call. Despite trying to call back immediately and repeated emails it took us almost another week to connect again on another phone call. At the same point during our discussion we were disconnected. We immediately called back again and were immediately transferred to the full voicemail where we were unable to leave a message. We immediately emailed the contact with no response. This was the second time it happened and this company seems highly suspicious in my mind. In order for us to sign up for their services they emailed me forms to fill out. These forms included highly confidential routing, checking account, Curity number, federal ID, and other fields that I was simply supposed to fill out and then email back to them. It seems that a financial lending company would have a more secure process than a representative emailing forms and expecting secure information to be completed and sent back in email which is highly unsecure. This combined with their very vague website, horrible XXXX XXXX XXXX review, and just general common sense has led me to file this complaint. They had over 2000 complaints on the XXXX XXXX XXXX site. They have a 1-star rating. I hope that somebody looks into this company and does an audit. They are obviously highly suspect and I believe more than likely fraudulent in their business practices. There are standards that are financial company such as this would need to uphold and if they can not even clear their voicemail and have a completed call during the sales process then again they are highly suspect in my opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already filed a formal complaint with the Consumer Financial Protection Bureau on XX/XX/XXXXXXXX  case # XXXX. The CFPB reached out to TransUnion, and TransUnion responded with a scripted response and did not make the corrections to my report. I have now hired an attorney who is filing a class action law suit against TransUnion as I am currently being denied credit due to this incorrect information. 

My initial complaint for your review : On XX/XX/XXXXXXXX  I submitted a complaint to the CFPB to investigate TransUnion for incorrect reporting. The CFPB closed the case after TransUnion responded without making the necessary updates. TransUnion simply sent a standard computer generated response saying I would be notified by mail. As I mentioned in my XX/XX/XXXX complaint. Transunion has been and continues to report a XXXX  XXXX XXXX  bankruptcy that is not mine. I have told them on multiple occasions, this was a XXXX XXXX filed by my ex wife. I submitted letters from the Superior Court of California Bankruptcy division, signed by XXXX XXXX that clearly stated this is not accurate, and that I did not file for XXXX XXXXXXXXTransUnion has made the fatal mistake of ignoring that judges order. I then contacted the agency they use to verify there information, which is XXXX and they agreed that they were also reporting in error. They provided me with a letter stating the information was incorrect and they had removed it from my credit file. TransUnion unfortunately has continued to ignore all of the evidence I have provided. They continue to disregard the laws that were put into place to protect consumers from predators like themselves.
Product: Mortgage

My home was burned by fire XX/XX/XXXX, my insurance company Foremost sent a check to me and I sent it to my mortgage company. Carrington mortgage sent a check XX/XX/XXXX for the contractor to start to rebuild my home amount {$10000.00}. Contractor has sent contract to Carrington mortgage requesting funds be disbursed in one thirds, 1st one third would have been approximately {$40000.00} until the next draw. Total Funds from XXXX XXXX company to rebuild my home was {$100000.00}, Carrington mortgage is holding these funds in escrow and want disburse to the contractor. Carrington mortgage sent me a document to sign saying I wanted to pay off my house and not rebuild with the insurance money. Carrington is trying to steal my home, I'm homeless and need my house to be rebuilt as soon as possible.
Product: Credit reporting or other personal consumer reports

I am deeply dismayed by the recent credit report I received. The errors are egregious and have spiraled out of control. It's astonishing that governmental regulations permit such blatant mistakes that have such detrimental effects on individuals. If prompt and accurate action is not taken in response to this letter, I am fully prepared to hold you accountable for your poor reporting practices. 

I am baffled as to where you obtained the following accounts, as they have no place on my file. They must be promptly removed without delay. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or list of inquiries 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.
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXXXXXX 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 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.
Product: Debt collection

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 JEWELERS XXXX 15 USC 1692C ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt And they need to show COURT PROOF
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of unauthorized accounts and inquiries from my credit report, as I am a victim of a data breach. Under the provisions of 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and deleted from my credit file : XXXX Accounts : XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$7900.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX IN Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$870.00} XXXX. XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} XXXX. XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$130.00} Unauthorized Inquiries : XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Prepaid card

Wisely ( XXXXXX/XX/XXXX administered by ADP ) Introduced a new feature without notifying card holders, this new feature automatically declines every transaction and sends a text message for the cardholder to authorize the transaction, but even after this is done, the transaction has to be completely repeated. This went on for a couple of days but now they admit they have a. glitch and the authorization text is not sent for 1 to 4 hours after the transaction is declined. Furthermore by the time the text is sent, their system still only allows 1-2 minutes to approve the transaction, even though the text came hours after the text has expired. The time to authorize the transaction has passed so one must return to the retailer or the website and start the transaction completely from scratch, and it is automatically declined. The text comes1 to 4 hours late and is expired, This has become a repeating sequence of events, the card can not be used online or in person with this going on. I have spoken to Wisely numerous times, All the way up to supervisors and they dont know when the glitch will be fixed however they plan on keeping the feature of the automatic decline. although card holders can opt out when you opt out of the new feature, then everything is automatically declined and you just dont get an email allowing you to authorize it so cardholders have essentially opted out of having a usable card. 

Basically Wisely/XX/XX/XXXX/ADP has the funds of thousands of people who depend on them to receive their paychecks, their Social Security payments and other money yet there is no way for users to access their money.
Product: Credit card

The Barclaycard Arrival Plus MasterCard account was charged fraudulently twice in XXXX 2015 for {$210.00}. This card was cancelled and another was issued in its place. Barclaycard did not cancel the debt but forwarded it onto the new account and called it a dispute. I have contacted Barclaycard by email and phone on numerous occasions without success. These XXXX charges were fraud and need to be cancelled as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has been on my credit report for years for a debt from XXXX XXXX XXXX, however, I notice that they keep re-aging the open date of the collection accounts causing this to never disappear from my credit report. I called the offices of XXXX XXXX XXXX and they immediately denied any wrongdoing after I advised them that re-aging collection accounts is a highly illegal practice. They agreed to send me any documentation in regard to the liability of the account as well as relevant collection information. The rep advised me that the service date was back in XXXX, but none of the collection account information is listed that far back, it's all new information from a few months ago and this information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to report the XXXX XXXX XXXX XXXX  for violating the Fair Credit Reporting Act ( FCRA ). Theyre claiming I was late but their records are incorrect. Ive contacted the company & requested verifiable proof and they have failed to provide any verifiable documents. They have failed to comply with FCRA section 611 & are willfully noncomplying which is a violation of sections 616 & 617I need them to correct their records or be held accountable for their actions. The information is creating great emotional & physical stress and creating me sleepless nights where its impacting my job performance. Please have this matter resolved ASAP OXXXX XXXX XXXX XXXX XXXX Balance : {$23000.00}
Product: Debt collection

Ob XX/XX/2022 I called Cardinal Accounts INC about a collection account that had just recently reported to my credit report. When I called, a lady answered and asked me my first and last name. I told her and she directed me to an older sounding lady. That lady advised me she could not find my file and she would need to give me a call back to discuss the account. She said that the call would be from a no caller ID. I received a call about 5 minutes later from the same lady. She did not verify my name, date of birth, last four of social, or anything of those sorts. I asked her why she didnt do any of that being a debt collection agency before discussing any information with me. She said she didn't have to. I then asked if the phone call was recorded for both of our sake and she said it wasn't and they don't record phone calls there. The information they are reporting to the credit bureaus is incorrect and they never even attempted to reach out to me regarding the debt. They didnt even have the correct address for myself. I feel like this " debt collection agency '' is practicing fraud and should definitely be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I became aware there were fraudulent accounts on my credit report and wrote to Experian a certified letter with my affidavit to dispute and correct this information on my credit report. I spent approximately {$38.00} on XXXX tracking. I have a family to provide for and did not review my credit again until XX/XX/XXXX and noticed I had not received any correspondance from the credit bureau Experian nor emails pertaining to my dispute of this fraudulent account. On XX/XX/XXXX, I sent a second certified letter to Experian for another cost of {$38.00} and here is the tracking information for your reference : XXXX Tracking : XXXX Sent out XX/XX/XXXX, Del XX/XX/XXXX. Upon reviewing my credit report today, XX/XX/XXXX, it has been well over 30 business days and this is a violation of my rights under the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX agreed they made a mistake when investigating fraud and determining the result. I called XXXX as soon as fraud occurred on a date near XX/XX/23. I told them there was fruad, clearly since there were inmate transactions from Texas, as I am from CA. Additionally I told them I had never activated the card. The card was fraudulently activated and then used without my consent. The charges were said to be removed. After 1 month had passed, nothing had happened. So I called them back on XX/XX/23. They were able to investigate further and claimed they refunded all the fraudulent activity. After a month had passed, I was receiving messages that I had a late payment due. They in fact did not investigate ALL of the charges leaving a balance of XXXX after a late fee. I called twice about the fraudulent activity, and they claimed both times it was fixed. Finally after I received a late payment activity from my credit, I called a 3rd time to see what was happening. They finally reversed all of the charges and late fee, but left the missed payment credit report. I then chose to dispute the missed payment due to them not investigating ALL the charges the 1st time I called. Additionally, THEIR WEBSITE SAYS THEY WILL PAY FOR LATE FEES WHEN FRAUDULENT CHARGES ARE UNDER INVESTIGATION. Therefore, XXXX was NOT DOING THEIR JOB when I reported the fraudulent activity the 1st and 2nd time I was in contact with them. I do not deserve a missed payment on my credit report due to the LAZINESS of XXXX workers. Please look into call records that I have made with XXXX.
Product: Credit reporting

I asked a credit card company for copies of my application and they were unable to provide them I presented this to Experian and asked that they remove the inaccurate information or at least request proof from the creditor They stated that they are not required to request proof and they do not require that the creditor submit proof that there word is all they need
Product: Credit reporting or other personal consumer reports

This account was charge off on the following date XX/XX/year> since then the account was repeatedly been updated as charge off every month. This is an update in the payment history. A Charge off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitation. XXXX failed to investigate the account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX XXXX XXXX
Product: Debt collection

on my credit report is a collection for EOS CCA XXXX XXXX XXXX XXXX XXXX 2012 {$1600.00}. first I have never received anything from the collection agency and did n't know anything about it until I pulled my credit report. 2. I sent a letter requesting they verify the debt and I still received nothing. 3. I called XXXX and asked them about it. They looked into it and said I did n't have an account with them. I already knew that because I had XXXX before switching to XXXX. 4. I 've have disputed it with the XXXX credit bureaus multiple times and it still shows on XXXX and maybe XXXX ( i have been unable to view it online ). I want it removed it have been more than the 30 days they have had to verify it. and its false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE TRIED TO SPEAK WITH PEOPLE WHO CAN NOT GIVE ME THE CORRECT WAY BOOST WORKS. I TRIED CALLING NUMEROUS TIMES AND ALL I GET IS THE RUN AROUND AND GET TRANSFERED TO DIFFERENT DEPARTMENTS. I GET ADVISED THAT I HAVE TO SPEAK WITH SOMEONE FROM MEMBERSHIP. HOWEVER WHEN I DO THE PROMPT STATES IF I HAVE ANY QUESTIONS PRESS # 2. THEN AFTER THAT YOU GET THE AUTOMATIVE SPEAKER AND YOU ARE UNABLE TO SPEAK WITH SOMEONE AND THE CALL IS ALWAYS TERMINATED. I THEN CALL BACK AND CALL IS TERMINATED.REGARDING YOUR EXPERIAN BOOST AND YOUR ADVERTISING I WAS STATED THAT MY CREDIT BOOST WOULD INCREASE EVERY MONTH ACCORDING TO WHEN I SPOKE TO YOUT REP XXXX. THEN I TRIED CALLING HER AND I GET THIS PERSON NAME XXXX FROM CONSUMER AFFAIRS AND SHE STATES IT ONLY INCREASES JUST ONCE. SO WHAT IS THE SENSE OF HAVING EXERIENCE BOOST WHEN IT DOES NOT HELP YOUR CREDIT SCORE TO INCREASE EVERY MONTH AND WHY YOUR COMPANY KEEPS ON ADVERTISING THAT IT RAISES YOUR SCORE MORE THAN ONCE????
Product: Mortgage

As of today, XXXX XX/XX/2020, I have not receive my XXXX Mortgage payment statement, which includes a payment stub. According to Bank of America own requirements a payment coupon is required for " Crediting of payments ''. I have sent Bank of America over 5 secured messages via while logged into their website over 2 weeks ago and got no response. Calling wait times to Mortgage Dept. have been between 60 to 90 minutes every time I call. Today I get they are working on it. It is also noted that I have never had, paperless billing and confirm that via their website. It is noted that I have listed my phone number as on thier website. 

Attached XXXX document is copy of secure message while logged my Bank of America mortgage account ending in XXXX. They do not allow to send myself a cop.
Product: Credit card or prepaid card

Some one opend a credit card under my name on XX/XX/XXXX and it pulled up on ny credit score today. KIKOFF/CCB i have notified equifax about the situation. 

there is no number to contact KIKOFF/CCB
Product: Mortgage

I paid {$5200.00} on XX/XX/XXXX to XXXX. That was past due and 1/2 of XXXX 's payment. I paid {$350.00} on XX/XX/XXXX to XXXX, that was the second half of XXXX payment. I paid {$350.00} on XX/XX/XXXX to XXXX that was the first half of XXXX. I paid {$350.00} on XX/XX/XXXX to XXXX that was the second half for XXXX. I then saw on XXXX statement that XXXX had applied {$840.00} to " attny Adv Disb '' and {$190.00} to " Corp Adv. Disp '' this is incorrect. I contacted XXXX and was told the amounts would be corrected and they would put the {$1000.00} towards the remaining {$350.00} of XXXX and the rest towards XXXX. That is {$680.00} that should of been put towards XXXX payment leaving a remaining balance of {$25.00}. I made payments of {$350.00} on XX/XX/19 and XX/XX/19 directly to Loan Care ( who took over the mortgage ), both of which have been cashed by Loan Care which is a full months payments to use for XXXX. The only remaining balance that should of been shown is {$25.00}. It was then found that XXXX also misapplied a payment received of {$350.00} by putting it towards non existing late fees. This was suppose to be corrected as well ( Loan Care is who informed me of the payment being used towards late fees, XXXX is who confirmed they had fixed it ). With that correction, it would of XXXX XXXX  out the {$25.00} and put {$320.00} towards what is due for XXXX. I have been on the phone atleast twice a week with Loan Care for the past 3 weeks trying to get this corrected still with no success. I just want it fixed so I can pay the remaining {$370.00} for XXXX and get set up on auto payments starting in XXXX.