23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

FNBO ( First National Bank Of Omaha ) opened my bank ( checking ) account on XX/XX/XXXX and funded it with {$350.00} from XXXX XXXX ( an ACH withdrawal ). 

On XX/XX/XXXX, {$350.00} was withdrawn from my XXXX Bank account and transferred to FNBO. 

On XX/XX/XXXX, FNBO closed my account. 

The {$350.00} was never returned to XXXX XXXX  or sent to me via check. 

On XX/XX/XXXX, After several conversations with both FNBO and XXXX ( starting on XX/XX/XXXX ) to attempt to find out where the {$350.00} is, a conference call was initiated by XXXX with FNBO. 

During the conference call : - FNBO Manger, XXXX, states that the {$350.00} was returned to XXXX on XX/XX/XXXX. 
- XXXX Representative, XXXX, requests documentation from FNBO in order to track that transaction. 

On XX/XX/XXXX, FNBO Supervisor, XXXX, states that she will contact the correct departments, get the requested information and have it faxed to XXXX but that since it was late in the day that it probably wouldnt be faxed until XX/XX/XXXX. 

On XX/XX/XXXX and XX/XX/XXXX : Calls to XXXX made and they report that they have not received any faxes from FNBO. 

On XX/XX/XXXX : FNBO representative, XXXX, states that they faxed the requested information on XX/XX/XXXX. I requested that the information ( a letter/statement that FNBO closed my account on XX/XX/XXXX as well as a trace ID for the return of the funds ) be emailed or sent to me so that I could make sure that XXXX gets it. XXXX stated that, per documentation from a supervisor ( XXXX ), they would not be sharing any information or sending any of the documents to me. That XXXX XXXX would have to call them to request any more information.

**When asked for an ID number for this call, XXXX stated that there is no ID number.
Product: Debt collection

In XXXX of XXXX I purchased a XXXX motorcycle  from a dealership. The default company to make payments to the dealer was Synchrony Financial. 

I made my first few payments with them for several months, before switching to XXXX XXXX for a better interest rate. XXXX XXXX sent me a check to forward to them. I forwarded this check in XXXX ( Which was cashed ). Several days later I receive a letter and the title to my motorcycle from Synchrony. The letter stated my lien was lifted and I owned the motorcycle. 

Now in XXXX, I am still getting called and sent bills from Synchrony after telling them to leave me alone. Ive spoken with XXXX XXXX to make sure I had a copy of this check which was cashed. 

I am not paying or responding anymore to this bank and would like to file a harassment claim if thats even possible. Theyve been nothing but unhelpful and lack simple communication skills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX - NUMBER 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.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES
Product: Checking or savings account

In XX/XX/ 2022, I received emails about an account being opened in my name with my email address with Chime. I did not open not authorize an account to be opened. I informed chime via email several times that I did not open or authorize this account to be opened. I also demanded that they remove my account and my information and block any related information to my name or me in any manner from their entire system. This conversation and multiple requests achieved nothing except chime continuously refusing to remove my application, account, or personal information from their system.
Product: Credit reporting or other personal consumer reports

All three credit bureaus : XXXX, XXXX, and Experian are reporting a fraud account from XXXX XXXX in the amount of {$1900.00}. This is not my account it is a result of identity theft. I have disputed this fraud account several times with the three credit bureuas.
Product: Credit card

Without any notice, Chase suddenly closed my 3 personal cards and 5 business cards this morning ( XX/XX/2023 ). I was on a trip and a Chase card was all I had in my wallet, so it was incredibly inconvenient. 

I called to ask for the reason, and was told to go to branch. I went to my local branch, but the representative there spent 30 minutes on the phone and said he could see no reason either. I'm very confused about what is going on.

I'm really hoping this can be fixed in some way. I have been a Chase client for many years and have always paid my balances on time and in full.
Product: Debt collection

I Received A Letter From Phoenix Financial Services LLC, Dated XX/XX/XXXX... Noted As A Second Request ... Never Received Any Prior Corresponces Or Telephone Calls From Phoenix Financial Services LLC ... .Stating They Was Contracted By XXXX XXXX XXXX To Resolve A Debt ... After Checking XXXX XXXX, I Found This Was Listed On XXXX And XXXX As A Collection Reported On XX/XX/XXXX ... I Have Disputed This Negative Collection Thru XXXX XXXXWith No Resolution ... I Have Never Had An Account With Either Of These Collection Companies Listed ... They Also Have Listed On The Back Of The Letter ... An Original Credit Listed As XXXX XXXX XXXX ... Which Was Lasted Reported On XX/XX/XXXX ... Never Giving Any Information As To Them Being The Rightful Owners Of This Alleged DebtOr Entering Into A Signed Contract With Me In The Payment Of Alleged Debt.
Product: Mortgage

I helping my mother who is a non English speaker apply for a mortgage. We applied using quicken loans and they first stated we can get a 3.5 % down. Then the told us it has to be a 5 % down since he owns a home with my dad that is already paid off. Once we entered escrow XXXX XXXX a Solution Consultant called and said he has to change the terms to a 10 % down payment because he feels that my mom job was to far from the home she is getting and that he dont believe she will stay in that job. So he is forcing us to get the home as a secondary property which is that what we first agreed to. My mom feels deceived and lied to by this company they are denying her a mortgage by increasing the down payment to go over her availability funds. From 5 % XXXX to 10 % XXXX when she only has XXXX available. Since she is a XXXX residence we also feel she is being discriminated based on her national origin since he is refusing to close escrow unless she can provide more money for the down payment which they never mentioned when we first started the process. They where aware of all the fact of her job location current home and the new home she was applying for why wait until we are in escrow to change the requirements and threaten to cancel the loan application if she can not obtain twice as much for the down payment the first ask for. This is unfair, misleading, practices from quicken loans. 
Here is his info who is refusing my mom a loan. 

XXXX XXXX Solution Consultant Direct : XXXX XXXX XXXX XXXX Fax : XXXX XXXX XXXX XXXX | NMLS # XXXX
Product: Debt collection

I spoke JC Penny to make payment arrangements. They said I had to pay a certain amount. Next thing I know Collectors are calling me and family members threatening them. They threatening to put me in XXXX. I was scared that they where following me. It showed they wrote it off on credit report. Debit is from XX/XX/XXXX and they are back to calling with Threatening Language.
Product: Credit reporting, credit repair services, or other personal consumer reports

I see a couple of hard inquiries I never authorized and theyre really effecting my credit. Ive been trying to put my credit on freeze and have a fraud hold on it.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXXXXXX and XXXX XXXXXXXX, Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX and XXXX customer service representative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loan for an auto lease through XXXX XXXX. I turned this lease in early in XX/XX/XXXX and got a new lease through XXXX XXXX. The payoff amount of {$30000.00} was sent to XXXX XXXX on XX/XX/XXXX and shows that it was received on XX/XX/XXXX. I  received over 15 calls harrassing me for late payment where I continually explained to them that the payoff was sent and showed complete. However, after each call and explanation I would receive more calls about the issue from representatives with no prior information of my calls and discussions of explanation. On multiple occasions I asked XXXX XXXX to take action to figure out why this was not showing in their system and I pleaded with them to not report anything negative on my credit. After 45 days of battling with them and XXXX back and forth they finally said that it was their fault and they located the check. I just received a notice from XXXX that XXXX reported a late or delinquent account in XX/XX/XXXX but this is more than 30 days past the time that they received the payoff in full. My new loan that shows from XXXX on my credit was at the same time I turned in my other vehicle so there is no way I could have been late on any payment. I do have proof of this in documents and have sent this to XXXX. I take my credit report very seriously and would like action taken against XXXX XXXX for this mess. I have wasted valuable hours during my work day on numerous occasions to deal with something that was their fault. I do not want this reported to any other agency and I would like this and all traces of this removed from my report or I will be forced to seek legal action against the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am pleased to see some improvements on my report and some of the items which I have disputed were removed. However, there are still remaining items on my report which is unauthorized and resulted from identity theft. I am pleading for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureau is required to remove any items listed on an identity theft report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX Date Updated : XX/XX/XXXX ; XXXXXXXX XXXX Date Updated : XX/XX/XXXX
Product: Debt collection

In XX/XX/XXXX i closed two accounts with the company synchrony bank, for XXXX XXXX XXXX. They continued to bill me and charge late fees. I spoke with several repreresentatives and informed them i was willing to pay the actual balance owed minus all the late fees from the date Id closed the accounts. They declined. On XX/XX/XXXX a representative from synchrony debt collector impersonated a law enforcement/govt official at an acquaintances home thinking it was my address, and tried to serve me demanding my location and threatening i have an impending lawsuit. The homeowner advised them i have not nor have ever lived at the address. They continued to try to press the homeowner for information with a packet of paper to say i was to be served. This is in clear violation of the FDCPA, in addition to revealing personal information to a non privileged party.
Product: Debt collection

This company has been harrassing me by telephone saying that i owe them multiple debts. I sent a dispute to their company and they have responded with a letter stating that they have already verified these accounts and that they are under no obligation to verify again. However, I DID NOT receive anything from this company prior to the billing statement i received in XX/XX/XXXX. As per The FCRA i have the right to dispute any information that is being reported to the credit bureaus. Also Billing Statements ARE NOT considered verification of accounts. This company continues to report these accounts to the credit bureaus without having properly provided information on as to how these accounts are verified. This disputed information will be forwarded to the FTC and Attorney general 's office due to unfair and improper reporting actions on Louisiana Recovery Services behalf. I do not and have never been in contract with this company nor have i ever accepted services from their company so i am requesting that all collections attempts to stopped immediately. 

UNVERIFIED ACCOUNTS : XXXX billing - {$48.00} LRS/ XXXX billing - {$43.00} XXXX XXXX - {$1700.00} XXXX XXXX - {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get XXXX, Experian and XXXX to remove a bankruptcy from my credit reports. They have failed to do so. 
XXXX could not verify the information and deleted the bankruptcy from my file because it was not accurate. Now the credit bureaus need to delete it as well. I have asked them many times and they refuse.
Product: Credit card

Their system automatically charged me for two months billing. I called four different times afterwards and each time they confirm to me that I paid for two months in XXXX telling me that my next bill was not due and tell XXXX. Then I get a bill for XXXX telling me that my two payments were actually just one payment. I let them know that the automated system told me it was charging me for two months. I also let them know that customer service confirmed 4 different times that I paid for two separate months at once through the automated system that forced me to do it, but now its only showing that I paid a large amount, way above the minimum payment, and only acknowledging it as a single months payment. They refused to do anything to correct the problem. They refused to look back at the past recorded phone calls. They wont even let me file a complaint with the company.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

on XX/XX/2018.iIwritten a debt validation letter to collection agency second round LP on a debt from XXXX XXXX they state their is a balance of {$800.00} the second debt they claimed i owe a balance of XXXX .i have not received any respond back after 30 days .i ask second round to remove the negative item off my report they send the debt off to another company.i also disputed the items with transunion .they have not given me any responds back either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INTIAL DISPUTE XX/XX/XXXX 30 DAY DEMAND XX/XX/2021
Product: Student loan

I received a screenshot from mother of a letter she opened in the mail stating that they demand payment in full of all principal, interest and any outstanding fees. At the bottom of the letter it says call us to make payment arrangements. I called their customer service and was asked to verify my information with them which o nly 1 of the 3 contact pieces they had were correct. My address seemed to be right in their system yet I have never received any correspondence from them about my student loan. When I called I was told that the letter demanding payment in full was not true and they tried to apologize for that being sent to me and also told me they have no payment arrangement options available except for forbearance ( but only if you are a certain number of days late ) otherwise they have no other ways to assist a borrower with making payments and coming current. So basically the letter I received was not right and they had no way of pulling it up to confirm that with me. I am frustrated because no one in the company knew the differenc e between payment arrangements and forbearance when I tried to go into detail about what could be available to me. I got no help and was told to look at my promissory note ( that i signed in  XXXX  ) and see what options are available to me under that if any are or if my loan defaulted that it would go back to citibank and they would come after me. ( THIS COMPANIES NAME IS   XXXX   XXXX   WHO NOW SERVICES AS OF  XXXX / XXXX / XXXX   XXXX  STUDENT LOANS )
Product: Credit card or prepaid card

I canceled my American Platinum card over a year ago. Recently, I received a letter stating that I owed money on the card. I called American Express and they said it was taken care of and I wouldn't have any issues. I was also told that this was American Express ' fault and not my own. 

Flash forward a month and my current Gold card gets declined. I called American Express and they said the Platinum card issue was not resolved and, because my gold card was linked to my platinum card, it was declined in association. It was a Saturday and I was told it would be resolved first thing Monday. It was not. 

My husband tried calling Monday and was on the phone for 2 hours with no resolution. I called later that day and after 2 hours all they could do for me was let me temporarily use my card for 5 days while they worked to resolve the issue. I doubt it will be resolved by then and my card will be unusable again due to an issue on their end. When I asked for a refund for my yearly fee, I was told no. I asked to speak with a supervisor and no one was there. I was told I would receive a call from a supervisor within 24 hours and no call came. 

American Express is holding my card XXXX due to an issue on their end that is out of my control. They have been harassing me with continual pay up texts, emails and mail. They have wasted hours of me and my husband 's time. I have been with amex for 6 years and it has become apparent that they only care about your money and not you as a consumer hence why they refused to refund my yearly fee.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information in my credit report was incorrect when I looked into it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these accounts. ( A ). Treating these reporting experiences as unverified information without presenting the evidence within the allotted legal time frame is unacceptable. 
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: Student loan

I have student loans through fed loans. They have miscalculated how many payments count towards federal student loan forgiveness and I have waited 18 months for this to be updated and they continue to refuse to update my account to correctly reflect my number of payments. 

All three of my loans should have the same number of payments and payoff date and they continue to not update for over a year despite phone calls and emails.
Product: Debt collection

Prince Parker and Associates have been sent a verification of debt and cease and desist letter. They also have incomplete and false information listed on my credit report making it nearly impossible to contact them. Attached is a screenshot from my XXXX credit report. This is not their correct address so how am I supposed to ensure that I can dispute this properly when I have received nothing even from this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting acXXXX 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 has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 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 and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I went to get pre approved for a loan and my credit report was pulled. XXXX and XXXX reported a credit score and listed the credit cards I am an authorized user on. However, XXXX listed no score or credit cards. I attempted to contact the company to remedy the issue but was unable to reach an actual person and the automated assistance options were unable to help me. I was unable to file a dispute with XXXX since the company stated I had no accounts. I then contacted Capital One which the credit card I am an authorized user on is issued from. Capital One advised that I reach out to XXXX  directly ( which I already did ) and stated that they report all information to the 3 credit bureaus. There is no way to contact XXXX and I am unable to get pre approved until this issue is remedied.
Product: Debt collection

XX/XX/XXXX of this year I received a call from XXXX XXXX angrily collecting a debt that I did not know of. I asked her to give us information on XX/XX/XXXX regarding the debt. On XX/XX/XXXX we receive a note that this is related to my hospitalization at XXXX XXXX XXXX XX/XX/XXXX 
The bill is for an unbundled XXXX service. As far as I know, XXXX XXXX and my health insurance XXXX XXXX has paid all of my hospital bills together with my Worker Comp insurance XXXX XXXX. 
The XXXX mentioned in the bill, did not send me any bill requesting any payment at all. The only time I heard of this unpaid service was on XX/XX/XXXX