23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I got a card guard notification for four charges made to my XXXX, one of which was from XXXX XXXX  in California. When I clicked on the notification, I noticed the charges were fraudulent. I immediately called the bank to report the charges, open a dispute, and turn my XXXX  off to prevent future spending. 

On XX/XX/XXXX, I got a letter from my bank saying that the XXXX XXXX  dispute was not approved and that I would be charged {$190.00}. I immediately called the bank to appeal their decision. They were unwilling to change their decision because XXXX XXXX  sent them proof I was the one who made the ticket purchase. The proof included a printout showing the tickets were redeemed on XX/XX/XXXX. I politely disagreed with the bank 's decision because I did not make the purchase nor use the tickets. I was told I could email any information I had to their XXXX  dispute department. 

On XX/XX/XXXX I went onto XXXX XXXX  ' website and found information saying that ONLY the purchaser of the tickets could redeem them and that the tickets were not transferrable/shareable. I immediately emailed my bank with proof that I was not in California on XX/XX/XXXX. If I were truly the one who purchase the tickets, how could they have been used if I wasn't in California that day?! 

I called the bank on XX/XX/XXXX to make sure they got my email. I was told they did and that they were not changing their decision as the information I sent them wasn't anything new. It was new as they didn't have proof I was not in California the day the tickets were used. I mentioned this to them and all they kept saying was that the information wasn't new and they couldn't help me. I was told my only option was to contact XXXX XXXX  and argue with them. 

I have been a loyal customer of my bank for XXXX  years and am extremely disappointed with the lack of help I have received. I made a good case for myself, combined with the fact there were three other fraudulent charges made on the same day, that were refunded to me. I am seriously considering moving my accounts to another bank.
Product: Credit card or prepaid card

on XX/XX/2022 i tried to make a purchase with my XXXX store card, which run by Synchrony Bank Card Services. I later received an email that the store card was declined. 

I logged into the Synchrony Bank Card Services website to find out the card had been closed. 

I checked the messaging area of the banks website and it was empty. 

I then used the online chat feature to find out from an agent that my card was automatically closed and the only option was to reapply to open a new card. 

My issue here, is XXXX I was never notified that the account was closed. XXXX I was never given a courtesy message that my account was on the verge of being inactive for too long. XXXX By closing the account, they impacted my credit rating. XXXX their recommended solution was to again, impact my credit rating. 

They offered me a XXXX $ credit to my account if and when i reapplied for a new card and approved. {$30.00} wont come even close to the costs i will incur on future financing of cars, etc. due to a lower credit score. 

They clearly have the ability to identify an account that is on the verge of closing, and they also have the ability to make use of their very own messaging system to tell the consumer.
Product: Mortgage

I have been dealing with BB & T ( Now Truist ) for many months regarding a forbearance and deferment. After being harassed with frequent calls regarding the status of our loan and receiving miss information I filed a complaint against them regarding their handling of our forbearance and deferment paperwork. 

Currently, I have been trying to cancel our escrow account as I have lost complete trust in Truist 's ability to manage any mortgage or escrow account. Truist has repeatedly shown that they can not handle an account with efficacy and professionalism. I have to wait on hold for hours at times being passed back and forth between departments that each give me different information and are unable to answer simple questions regarding my loan and/or escrow. 

Today ( XX/XX/XXXX ) I spent 2 hours on the phone with Truist just to simply find out the status of my escrow account. Several weeks ago I submitted a request to cancel my escrow account, I explained that I would be paying the taxes and insurance myself. I was told that the request would take up to 10 days to process and that we'd receive a letter in the mail with information regarding the cancelation. As I have not received anything from Truist to date, I called them today in order to figure out the status of our escrow and what our new payment would be without the escrow ( before filling out a check and mailing the mortgage payment ). I have spoken with three department 's only to have the third department ( Lost Mitigation want to redirect me back to the previous department ). 

I have no confidence in Truist to be honest, efficient, and/or competent ( with my account or my time ).
Product: Student loan

I have consolidate my student loans, but since the numbering system of loans are being used, I am unable to verify my count data. Out XXXX payments, how many more do I have? How many loans do I still have to pay and when will the payment counts be adjusted as I have consolidated due to the instructions put forth by the DOE. The XXXX XXXX website is convoluted and I don't know where I stand in payment counts. Please help.
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. 

List of Unauthorized Inquiries : 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 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 card

My XXXX Wells Fargo card is used for rent and apple only but it keeps getting fraudulent charges. This has happened multiple times over a year timespan. 

This card is only used for rent and XXXX. However, fraud keeps happening. Reading other reviews online shows that there is a clear data leak. 

Additionally, some agents ask for sensitive information that seems unnecessary over the phone, while others do not ask for the same amount of detail. It is concerning that different agents would require different amounts of verification. Details requested when calling in : 1. Security code 2. address 3. last 4 of card 4. last 4 of SSN 5. Mother maiden name
Product: Student loan

I am a former XXXX XXXX XXXX student. I applied for a private loan with ASFG, who uses XXXX XXXX. I made XXXX payment of XXXX in XXXX of 2016. The school closed down with out notice to any of the students. I have been in contact with stating to get the money from XXXX XXXX. Also have been getting statements and a letter of default on my loan. There are the ones who are breach of contract, for shutting their doors. I would like my loan to become a zero balance. My account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Account ( XXXX ) : # XXXX Account Name : GOLDMAN SACHS BANK USA My Social Security number is : XXXX My date of Birth is XXXX Dear Sir or Madam ; I disputed the referenced accounts above on XX/XX/2020. The credit report of XX/XX/2020, and my report # XXXX shows results these items was deleted from the credit file. Now I notice these items have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. 
Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted. 
( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. 
I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action by filing a lawsuit and seeking damages. Also, I have re-disputed this fraudulent account from my credit report a numerous of times since XX/XX/2020, but you all are complying with the company and keep reinserting this fraudulent account back on my credit report. Your agency may avoid such action by immediately and permanently deleting this listing from my credit report. 
Thank you, XXXX XXXX XXXX
Product: Credit card

I'm filing this complaint against capital one for purposely adding cash advance charges to my account without me using cash advance services XX/XX/2023 I was on the phone with capital one regarding me using my card for XXXX services and I was asking them questions about it but not one time did they say that me using the XXXX XXXX with the card is a cash advance so I used the app one time sending {$1.00} just see if it would work it work while I was on the phone with them however today XX/XX/XXXX I checked my account and I was charged a cash advance fee of {$10.00} I tried to get the cash advance service removed from my account and was hung up on then I called back to speak with a supervisor and explained to him everything that happened and that capital one was on the phone when I asked them if my card would work with the app not one time did they say I would be charged a cash advance fee over the phone the manager did not want to remove cash advance services which I never use on purpose to have me pay high interest charges and fees so I can not keep up with my bill this is a scam and they are trying use this on their customers to put them in debt i want the cash advance services removed from my account and this situation looked into
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 6 Accounts on my credit report that do not belong to me I have not used or know what these accounts are I need these off my credit report ASAP!!!!! 

XXXX XXXX XXXX  - Acct # XXXX XXXX {$1000.00} XXXX XXXX  - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX XXXX {$0.00} XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX XXXX  - Acct # XXXX XXXX {$67.00} XXXXXXXX XXXX- Acct # XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION REFUSES TO PROVIDE PROOF THAT THIS BANKRUPTCY IS VALIDATED. 

TRANSUNION REFUSES TO PROVIDE THE VENDOR INFORMATION THAT IS REPORTING THIS BANKRUPTCY. 

TRANSUNION IS VIOLATING MY RIGHT TO PRIVACY TRANSUNION DOES NOT HAVE MY WRITTEN PERMISSION TO REPORT ANYTHING ON MY CONSUMER REPORT ( PERMISSIBLE PURPOSE ) ( 15USC1681B )
Product: Credit reporting or other personal consumer reports

They say that it's not their problem to resolve inaccurate information
Product: Credit reporting or other personal consumer reports

This company has gotten a response from the data furnisher that is not valid. They are using this response to keep fraudulant and innacurate accounts on my credit report. they have also ignored arbitration letters. These accounts were disputed every 40 days for over the past year, FTC and police reports have been mailed to this company. The fraudulant and innacurate account ( s ) were removed from each bureau except this comany. They refuse to provide explanation as they say they do not disclose this information. this is a violation of the FCRA as i have the legal right to know every detail about my personal information. I am asking these accounts be removed once again and one final time or I will seek compensation for each violation done by your company for failing to remove these accounts listed below. 

XXXX XXXX XXXX last XXXX SSN : XXXX Birthdate : XX/XX/ account : XXXX XXXX  account number : XXXX account : XXXX XXXX account number : XXXX
Product: Mortgage

In XXXX XXXX we did a refinance loan on our home with Freedom Mtg during the process we received a refund check from them on our Escrow Acct on XXXX/XXXX/XXXX in the amount of {$810.00}. Then on XXXX/XXXX/XXXX we received another refund check for escrow for the same amount. Then on XXXX/XXXX/XXXX Freedom Mtg, put a " REFER TO MAKER '' on the first check dated XXXX/XXXX/XXXX which in turned cause me NSFees with my XXXX XXXX XXXX account. Then on XXXX/XXXX/XXXX I went and spoke to the local manager at XXXX and they called Freedom Mtg and spoke to XXXX and said that I needed to request refund back from them. 
Long story store and many voice memo 's later out of {$450.00} they sent me a check in the amount of {$220.00} on XXXX XXXX, XXXX almost 4 1/2 months later. 
I want the balance of what is owed to me plus pain and suffering from being told one thing after another. 
This is also caused us problems with the new mtg company XXXX XXXX because of not getting this handled in a timely manner and as caused our current loan to fall behind. 
All of this XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block this account as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XXXX XX/XX/2013 XXXX : {$2900.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my credit score. But it is unavailable and has been for awhile. I checked today XX/XX/21. And was told it's because I am deceased. My daughters can verify that I am still alive and social security can also verify. I really would like to fix this ASAP. I'm thinking of buying a home or car. Thank you
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a credit repair companies which is not true. Please see attached file. 

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 TransUnion 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 XXXXXX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc XXXX CFPB Case # : XXXX Experian XXXX XXXX XXXX. 
XXXX, TX XXXX XXXX, you, your company NOTICE OF DISPUTE ; DEMAND FOR VALIDATION AND PROOF OF CLAIM! HAS FAILED Violation 1. ) trying to collect a charge off you dont have legal rights too. 
2. ) Furnishing deceptive forms.

3. ) False and misleading representation Collection of extensions of credit by extortionate.

4. ) Aggravated identity theft.

5. ) Sharing non-public personal information.

6. ) Willful noncompliance.

7. ) I would like to see the bill of sales and any documentation how account transitioned To Whom it May Concern Last and final warning before I get my legal team involved. Your company is in direct violation of the FDCPA, TAX Regulations, and the FCRA. I've exercised my right in the letter Ive sent your company by mail as well online. XXXX XXXX is a third party debt collector meaning they obtain a file and aggravated identity theft. 18 U.S.C 884- Collection of extensions of credit by extortionate means ( A ) whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means. ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than XXXX XXXX  or both. This is not proof of verification but validation. 

XXXX XXXX are not affiliates of the original creditor nor are they " bureaus. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, Its only XXXX credit bureau The Dodd-Frank Act granted rulemaking authority under the FDCPA & FCRA to the Consumer Financial Protection Bureau ( CFPB ) 2 and, with respect to entities under its jurisdiction, granted authority to the CFPB to supervise for and enforce compliance with the FDCPA & FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, XXXX and Transunion for over 2 years regarding 2 accounts that are not mine reporting on my credit reports. They refuse to prove to me or show evidence that these accounts belong to me and they won't remove them although I have told them I have been a victim of identity theft 2xs in my life. I just want them to stop ruining my life and delete this false reporting from my credit reports. 

XXXX XXXX XXXX Last reported XX/XX/2022 {$1000.00} Open balance XXXX XXXXXXXX XXXX XXXX XXXX  and XXXX XXXX Last reported XX/XX/2022 {$190.00} Open balance XXXX  Original creditor
Product: Debt collection

I was contacted on XX/XX/2022 by XXXX a third party collector for Plaza Services. Plaza services is the current owner of the debt. My original creditor was XXXX XXXX. I was told by XXXX  that when I pay the debt they will notify Plaza who will then notify XXXX to update the tradeline as paid. Due to this agreement that XXXX was sure would happen I set up the payment arrangement and made my first payment of {$300.00}. I spoke to a rep from XXXX on XX/XX/2022, who contacted me from phone number XXXX, who stated that even though I pay Plaza they will not update my tradeline. I also spoke to all three credit bureaus who also advised me that XXXX is not obligated to update my tradeline. I reached out to XXXX  and relayed this information to them and they stated that I was lying because this is what she tells all her customers. The agent from XXXX asked that I pick one of the credit bureaus and call while she was on the line because she wanted to hear this information from the credit bureau herself. I reached out to XXXX while she was on the line and XXXX confirmed that the information that XXXX relayed is correct and they do not have to update their tradeline. Now that it has been confirmed that the information XXXX has given as a means of collection under false pretenses, I am asking that they return the money that I have already paid and to discharge the debt because I was not given correct information during the collection process. The agent proceeded to threaten me by stating well how about we go ahead and have Plaza add their tradeline to your credit so you can get double dinged and then we can mark that tradeline as paid. Which she stated that she was not being malicious or threatening, however, she knows that would scare me into thinking they will harm me further if I do not think it is fair to pay after they gave me false information. XXXX used incorrect collection practices and they need to rectify this issue.
Product: Credit reporting or other personal consumer reports

I have credit inquiries that I do not recognize and I have no credit obligation with this company. XXXX XXXX XXXX XXXXXXXX.