23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XX/XX/XXXX I purchased a loveseat and couch from XXXX XXXX. I applied for their XXXX XXXX/Synchrony XXXX XXXX card and was approved. Purchased the couch and loveseat for {$1500.00} with an equal payment no interest deal. On my XXXX statement XXXX for this card, I noticed a fraudulent charge dated XX/XX/XXXX for {$1700.00}! I did not make this purchase and called the fraud line XX/XX/XXXX reporting this charge as fraudulent. This was investigated and they sent me a letter XX/XX/XXXX saying that I was not liable for the fraudulent charges and they would let the 3 credit bureaus know this. The charge was removed and I payed for my furniture in full. My balance was XXXX. Then I received a bill from XXXX XXXX/Synchrony XXXX XXXX XX/XX/XXXX with a charge of {$1700.00} dated XX/XX/XXXX! AGAIN! So I called the fraud line and reported it again as fraud on XXXX investigated and once again found me not liable for the fraudulent charge. I received the same letter again saying that and that they would let the 3 credit bureaus know. XX/XX/XXXX I called them and CANCELLED the card so that this would not happen again.I had not heard from XXXX XXXX until today. I got a bill for the XXXX XXXX/Synchrony Home Account. There is a charge for {$1700.00} dated XX/XX/XXXX " Balance Adjustment ''. I called to report this fraudulent charge once more. I waited on their terrible customer service fraud line and was passed from one female agent to another. The second one said the boss was already at home, but she would make a note of my complaint about this. This is OUTRAGEOUS! How many times will they investigate this fraudulent charge and find me innocent only to re-charge me again. I am really disgusted with this. How do you charge a CLOSED account. I have the confirmation number XXXX for XX/XX/XXXX, when I phoned them at XXXX XXXX  and CANCELLED. I am so tired of dealing with this. You sit on hold forever and it NEVER gets resolved. Please help me with this.
Product: Credit reporting or other personal consumer reports

I have tried several times to get my account balances and status updated with TransUnion and XXXX. They both are not showing updated balances and the last date of payment correct for XXXX. TransUnion also is not showing the correct balance of my XXXX XXXX. I am not able to file additional disputes with TransUnion. They only allow you to file one dispute at a time and it takes so long get a dispute resolved. I am trying to buy a house and this is really affecting my credit score with information not being update in a timely manner and not being able to file more than one dispute at a time.
Product: Checking or savings account

I was laid off during the holiday season and with that came late fees on my debit card with Capital One, causing my account to go - {$95.00}. My taxes were deposited last week and when I went to access my account it was locked. The message stated that your account is restricted and any available balance may not be used. The deposited amount covered the negative balance and put my account back into a positive balance. However, I spoke with customer care on XX/XX/XXXX and they stated that there was no way for them to unlock the account and all they could do was transfer it to an internal savings account and then transfer said funds to an external account which would take 3 business days and I would be able to do that Wednesday ( XX/XX/XXXX ). I called again on Monday ( XX/XX/XXXX ) to ask if there was any way to expedite the process to which I was told no. That was impossible. I called again yesterday ( XX/XX/XXXX ) because the funds were not available in my savings account like I was told on three occasions and still locked in a restricted account. I spoke with two agents and then finally got hold of a supervisor who told me that the request wasn't even processed until Monday and that he didn't even have the option to do an internal transfer of my funds. He informed me that the only option would be to mail a check or process an external transfer to my XXXX XXXX account and I won't get those funds until this upcoming Monday ( XX/XX/XXXX ). I asked if there was any way for them to unlock the account even for just an hour so I could transfer the funds myself and if they could expedite them because I have a wedding to attend this weekend, I broke down on the phone because I've been having such a hard time in life lately and they are holding my funds, hostage. The balance of the locked account is {$610.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Visa card said that I was 30 days late and STILL late on a payment. I have showed proof of payments etc., and Experian will not help. They do an investigation and I get an email 4 hours later that the investigation is complete.. I highly doubt that. There is no infrastructure to XXXX Visa, so trying to talk to customer service is speaking in a foreign language. Experian does absolutely nothing to help and XXXX Visa will XXXX up your credit. I lost my job due to the pandemic, yet I still paid. Thats more than I can say for what most people did to take advantage of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally requesting the deletion and removal of the following accounts and information from my consumer report. The accounts and details listed below should not be reported on my consumer report, as it directly violates the FDCPA and FCRA. It is imperative that these accounts and information are promptly deleted and removed from my consumer report to comply with several laws. I expect immediate action to remove these accounts and information.
Product: Checking or savings account

I received a letter from Bank of America Dated XX/XX/XXXX informing me that my account has been closed, no reason given. I called the customer service and also the bank and I was told that my account is being investigated and after the investigation they will send me a check of what ever I have in both my checking and savings. I received another letter dated XX/XX/XXXX accompanied with a check in the amount XXXX as what is left in my savings account. While still expecting the balance in my checking I received another letter informing me that after their investigation my account has finally been closed with balance of {$37000.00} and no money will be refunded to me. I want you to use your good office to look into it and recover my money for me. Attached is the letters and balance from Bank of America.
Product: Prepaid card

I have a {$50.00} gift card, the website and phone number posted on the card are : prepaidgiftbalance.com and XXXX I have attempted to check the balance on the card, but their website says " Card Not Found '' their phone number has a automated voice that continually asks me to input the card information. Either way, I am unable to retrieve the card information. Their website has no means to communicate with a operator regarding the problem.
Product: Credit reporting or other personal consumer reports

TransUnion NEVER received my written permission to report the XXXXXXXX XXXX XXXX XXXX account, which means they are already violating 15 USC 1681b ( 2 ) by reporting this account without my written authorization. But it doesnt stop there. XXXX failure to ensure accurate reporting also violates 15 USC 1681e ( b ), which explicitly requires credit reporting agencies to maintain maximum possible accuracy in the information they report. This negligence demonstrates complete disregard for federal law and my rights as a consumer. Despite multiple disputes regarding this account, TransUnion has willfully refused to remove it, which constitutes repeated violations of 15 USC 1681n and 15 USC 1681o. These actions demonstrate both willful and negligent noncompliance with the Fair Credit Reporting Act. By continuing to report this inaccurate information, TransUnion is knowingly disregarding federal law, which exposes them to liability for damages of at least {$1000.00} per violation, plus additional punitive damages for willful misconduct. This unresolved account has caused severe harm to me, including emotional distress, damage to my reputation, and financial loss. I demand immediate removal of this account from my credit report. TransUnion must confirm this action in writing and provide an updated report without delay. Failure to resolve this matter will result in further legal and regulatory action. I trust the CFPB will take appropriate action to ensure TransUnion complies with federal law and ceases these harmful practices immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute since XX/XX/2020 and only XXXX  has removed the inaccurate information and student loans that were transferred to another lender. Also, the document that I have provided from the XXXX XXXX XXXX does not have my original signature. It has someone name XXXX which I have no idea who that is. 

XXXX XXXX XXXX- Does not have my original signature on the documents provided XXXX XXXX XXXX account XXXX-Innaccurate information XXXX  shows XX/XX/2020 date opened and Equifax shows XX/XX/2020 last date reported is also inaccurate XXXX XXXX- desputed and removed by boyh XXXX  and Equifax XXXX  has not removed this account. 
XXXX XXXX opened, balance, high credit score past due, all is innacurate information with all 3 credit bureaus.

XXXX-Not my information XXXX/XXXX- reporting inaccurate information with all 3 bureaus.

.
Product: Credit reporting or other personal consumer reports

Last month I called XXXX XXXX to get an extension to XX/XX/XXXX due to me taking money from my retirement on the XXXX and money would be processed into my bank account by XX/XX/XXXX. They granted me an extension and told me that was he longest they could grant and I told them that was the date I was asking the extension for. I asked for an extension only because due to my prior tenant nonpayment of rent and damaging my home in Florida and me being stationed in Illinois I have been paying the mortgage in Florida since XXXX and the bills in florida on top of my rent here and bills here in Illinois. I needed help because I dont not have it at that time but I told them I would have it XX/XX/XXXX and was granted that extension. They dont even wait past XX/XX/XXXX. They were untrue of helping me and still did the late payment. Not long after XX/XX/XXXX which was the date I paid it on I received a late payment on my credit bureaus. If I had known this I wouldve agreed to the arrangement. This unfair and doesnt abide by the FCRA regulations. I just needed a few days extension until I received my money and they granted me the extension but still ended up putting a late payment on my credit reports. Please review the call I made to them last month when I was told my extension was granted. This late payment took XXXX points off of my credit bureaus that I am trying to repair due to having to maintain both locations until I can get my home fully repaired and rented out again. I have more money going out than coming in and trying to repair it has been costing me on top of paying for two locations. Im XXXX  and having bad credit can get me kicked out and I am close to retirement. They have continued to be unfair and not honest. Now there are two late payments on my credit.
Product: Checking or savings account

In XXXX XXXX XXXXXXXX, I created a kids savings account for my son and deposited XXXX dollars. On XX/XX/XXXX I received an email at XXXX XXXX  saying my sons account was closed. With no warning or information about what is going on. I called that morning and was told that it could be the check was bad. When I informed the person who was telling me that the check was from a scholarship account and was deposited almost a year ago she then looked again and said she cant say what happened. Only that my 3 year olds account is a risk and capital one closed the account. She then said I cant ever open an account.

The following day I went in to a physical location and was told that they have no idea what happene
d.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date :XX/XX/XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX Phone : ( XXXX ) XXXX Dear Jefferson Capital Systems , RE : Cease and Desist of All Communications I am writing to formally request that Jefferson Capital Systems immediately cease all forms of communication with me regarding the alleged debt connected to my account. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to demand that a debt collector stop contacting me regarding an alleged debt. 

Please take note that your company must also immediately stop all forms of direct or indirect communication, including phone calls, text messages, emails, and postal mail. I also request that my personal information not be shared with any third party without my written consent. 

In the event that you believe this debt to be valid, I demand full verification of the debt under 15 U.S.C. 1692g ( b ). Until such verification is provided, any further contact or attempts to collect the alleged debt will be deemed a violation of the FDCPA.

Failure to comply with this cease and desist request may result in my pursuit of all legal remedies available to me under the law, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 

Please confirm in writing within 10 business days that you have received this letter and that all communication has ceased. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2022, a Request for Accounting & an Official dispute was sent out to Fortiva Credit Card XXXX XXXXXXXX XXXX XXXX XXXX holding Certified mail # XXXX. Fortiva Credit Card received the request and dispute, however Fortiva failed to respond in accordance with laws and failed to provide debt validation as requested within the letter sent and received by FORTIVA. The account is being reported to the consumer reporting agencies and I have concerns regarding the account being associated with Fraud. Law requires that an account be 100 % accurate and that FORTIVA provide complete validation including a CONTRACT signed by all parties which FORTIVA has failed to provide to me. The account is fraudulent and is being reported to my consumer report in error and FORTIVA has failed to cease and desist their reporting of the account from all agencies as requested in my correspondence sent to them and received and they have failed to validate. Furthermore, FORTIVA received by dispute but failed to mark my consumer report as disputed.
Product: Student loan

The email was sent on XX/XX/year>, at XXXX To : XXXX & XXXX I sent an email stating that I am requesting that you provide verification of this debt. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX
Product: Credit reporting

I have unauthorized inquiries reporting on my Experian Credit report. The unauthorized inquiries are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report because they are hindering me from obtaining credit. I don't recognize these accounts. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX, XXXX has placed a collection on my credit profiles claiming that I owe {$180.00} to XXXX. I've never had an account with XXXX before.
Product: Credit card or prepaid card

I believe this is a switch and bait situation. My initial application on XXXX/XXXX/0218 indicates the terms promised for an introductory offer. Upon receiving the State Farm Loyalty Rewards credit card for activation, it arrived with a different set of conditions. I could not make any inquiries until the activation was validated on XX/XX/2018. After that, I made contact with the personnel and I honestly could not make sense or understand any of their explanations and assumed the original terms where in order. Why was there an offer of one banking product given and a whole different one given? During the course of these situations, I have made several verbal inquires with account representatives regarding many other concerns. 
I Respectfully, understand State Farms launch into the credit card banking business. So with that in mind, I submit this complaint. Additionally, I feel the personnel are incompetent with their notations and providing any historical facts. 
Enclosed are all the documents I received which includes the application and documents received afterwards. 

Thank you for your assistance in this matter, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian/Unknown Sources did over dozens of inquiries on my report without my permission
Product: Mortgage

Nationstar violates the HMDnA in reporting the facts of my loan to the VA. They didn't know about the unauthorized transfer of the title and the current interest rate awarded to the investor after I complained about being scammed. It doesn't seem to be fair or make sense to be stolen from and have the thief be rewarded.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Accounts : 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

I am in the process of clearing negative items that the are marked as " CHARGED OFF '' on my report. The reason being is that no credit reporting agency per the FCA has the written instructions from the consumer to include ANY information on a consumers file. I have disputed the items many times to no avail and without proper documentation per the FCRA. These items are negatively affecting my reputation and credit file which is hindering the consumer to partake in the natural course of banking which is advocated upon by Congress. These are written instructions and demand from the natural person to have these inaccurate and negative items removed immediately from the credit reports of the consumer XXXX XXXX- Status incorrect- account paid- monthly payment {$0.00} XXXX XXXX XXXX- No attached collections acct-still report 3 years after closed ALL EMPLOYMENT SHOULD BE CLEARED XXXX XXXX- still updating 1 years after close Lastly the consumer does not fit the criteria for any closed account per the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Credit bureau 's is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below to be removed. according to 15 USC 1681 : I have the to privacy and did not give XXXX, TRANSUNION, XXXX written permission to furnish these accounts listed below. 


1. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The following account is not mine XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The following account is not mine XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The following account is not mine XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The following account is not mine XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made online payment from Wells Fargo on XXXX to XXXX which is due XXXX. 
When I finalized the Wells Fargo XXXX XXXX ' and sent it, XXXX XXXX XXXX only then said the payment will go through by XX/XX/scrub>XXXX ... This is after my XXXX due date and is not acceptable! This would cause me to incur fees and interest. 

Also, not until after I made this 'XXXX XXXXXXXX ' payment was it revealed that this would NOT be an XXXX or direct electronic payment transaction. Rather, it was to be a check mailed from Wells Fargo ( in the physical mail ) to citcard. On top of all this, Wells Fargo deducted the funds out of my account on XXXX before they even mailed the check to XXXX? If this is a check transaction, why are they deducting the funds from my account before citcard even gets the check? This is wrong. If this is Wells Fargo policy then Wells Fargo is taking advantage of making interest on customers funds while the customer checks are delayed in clearing a week or more.
Product: Credit reporting or other personal consumer reports

In XXXXXXXX XXXX XXXX I requested a 1099-c form and never received it.