23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Last year I called Synchrony bank, I was trying to log on and find out about a bill that I have just received, apparently, I unknowingly applied for it through an offer when checking out of Amazon to get a discount. Therefore, I called Synchrony Bank when none of my information could get me logged into the system. After speaking with the customer service, I paid the card off and I asked that she close the card at that time and she told me once the payment was made the account would be closed. 

XXXX 2017, I received another bill and I had made any purchases, I called them again, Synchrony Bank and spoke with a representative, she pulled up the old records saw the old notes acknowledged what happened and that the bill was paid, and said that if this bill was due to the interest. I ask interest for what? the bill should be paid off. I still can log on to this account, I paid it and then sent me a letter which I have missed placed saying that they will remove from the credit report and closed account, now the bill is up to {$240.00}. I have also put in a disrupt on my credit reports. I get a new bill and almost set up a payment until I saw the credit card number, then I canceled.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There were inquiries fraudulently made to my personal credit. Names of the companies and dates of them are listed below. I have sent in proof to the credit bureaus but they refused to have these removed. They are breaking the credit law. Please have this resolved with the credit bureaus immediately by having them remove these inquiries immediately off my credit! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/year>
Product: Mortgage

The property located at XXXX XXXX XXXX in XXXX, IN XXXX has been in foreclosure for well over 1 year. The property has not been maintained by anyone. Windows are broken, there are holes in the siding, the fence is falling down, there are multiple dead trees, and all the neighbors have to chip in to keep the yard mowed and the weeds at bay. The result has been a significant eye sore in neighborhood that has resulted in people leaving the neighborhood, and difficulty in attracting new home buyers. The HOA fees have not been paid in several years and this property has become a large burden on the neighborhood.
Product: Checking or savings account

It would not let me log on thru a app to get a loan
Product: Checking or savings account

XXXX XXXX was deducting {$70.00} from my bank account each month for internet service. 

In XXXX in noticed XXXX XXXX had deducted {$80.00} from my account. The service had also become unstable and unpleasant to use.

Upon further review, XXXX XXXX had deducted {$80.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, without my knowledge or permission.

I filed a dispute with Key Bank but I was still charged the amounts. Key bank didn't credit the amounts and denied my dispute.

I've filed multiple complaints regarding this issue with XXXX XXXX but they haven't address the issue. I've disconnected service with XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX accounts on my credit report that are reporting inaccurate information, they appear as charge off written off but I did not receive the XXXX form that they supposed to send me since they listed as total loss, I have requested this forms with no answer from lenders as well I have disputed with Experian however they havent removed this items and they only keep updating them
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer services and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account Vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

This company reported multiple inaccurate late payments on the account I am making on-time payments on my account and I have a proof that all the payments are all submitted. Late payments you reported in XXXX and XXXX should be removed. I already disputed this account which clearly shows in the Dispute section of the credit report but you fail to correct and do the necessary investigation on this account. The payment I made on XX/XX/2020 shows as current, but the payment I made XXXX and XXXX are showing as late. I do not want to waste my time and money sending dispute letters to this company and they still continue neglecting their duties on reporting the account with 100 % accuracy. This needs to be removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX made a hard inquiry on my account on XX/XX/2017. No institution information is provided. I have no idea what this is from and would like it removed from my credit
Product: Debt collection

i was called on XXXX/XXXX/2017, by Midland Credit Management from the phone number ( XXXX ) XXXX a woman asked for my son XXXX XXXX. I told them he does not live here. They asked if they could call me back. I replied " No ''. The lady asked me a second time if they could call back. I again said " no ''. Then she asked me a third time if she could call back. I shouted at her that I had said " no ''. I asked how many times I had to say no to her and for her not to call me back?
I was contacted by my former employer on XXXX/XXXX/2017, that XXXX XXXX had called the business asking for my son. I consider this harassment. I told them not to call me anymore so they called my former employer. The woman on the phone told him her name was " Heavenly ''. She said it regarded a personal business matter. Her phone number is ( XXXX ) XXXX. Extension XXXX.
I am a third party. This debt has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is showing a credit inquiry on my credit reportfrom XXXX XXXX that donot make nor did I authorize
Product: Checking or savings account

I called Chase about a month ago because I had 3 charges to my account that were causing an overdraft that I didnt make. They told me to lock my card and they would resolve the issue but soon after my account was closed permanently due to suspicious activity and I cant open an account with them or anywhere. They wont tell me why and I quite honestly dont understand whats happening
Product: Credit reporting or other personal consumer reports

XXXX XXXX streaming and consumer agency is a illegal company that digs up dirt on people to use against them illegally. I asked them to cancel my subscription that I never signed up with to removed from being used to against me illegally. They agreed but is still using the product against me illegally. I would like to sue them for XXXX dollars because I have been refused many loan offers because of them. This company uses false reports on people from rentals ... .... This is illegal...
Product: Credit reporting or other personal consumer reports

I have contacted all three Credit bureaus, XXXX, Transunion, XXXX to update and correct my personal information : My correct information is as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX I have never lived at : Remove these addresses XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, which has resulted in multiple fraudulent accounts and inquiries appearing on my credit report. These include 21 unauthorized U.S. Department of Education accounts, two auto loans fraudulently opened with XXXX and XXXX XXXX XXXX, and 40 hard inquiries that I did not authorize. Additionally, unemployment benefits were wrongfully filed in my name without my knowledge or consent.

These fraudulent activities have severely impacted my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation and removal of these unauthorized accounts, inquiries, and any related fraudulent information from my credit report.
Product: Credit card or prepaid card

I had been using Bluebird by American Express since late XXXX with no difficulty. I opened the account under my maiden name and have since married ; I was informed this would not be a problem, and I should just send a copy of my updated ID card. 

On XX/XX/XXXX, I received an email stating that my account had been permanently suspended ; there was no prior notification of an issue. When I contacted their customer service, they said I was suspended for receiving direct deposits under my married name. They refuse to refund my money without a Letter of Indemnity ; my only funds were from Unemployment, and the Unemployment office is unable to intercede on my behalf. 

I have contacted a lawyer and am currently trying to contact the HR department at my former job. I have no idea what to do next ....
Product: Mortgage

My Mortgage was transferred to PennyMac.The previous mortgage company didn't require HO-6 insurance, but PennyMac does. After notification from PennyMac, I purchased the HO-6 insurance starting XX/XX/2020. However PennyMac further requested insurance evidence between XX/XX/2020 and XX/XX/2020 and enforced a {$160.00} insurance premium on me. The process is unfair given the fact PennyMac didn't inform me to purchase home insurance before finalizing mortgage transfer. During all communication PennyMac didn't inform me the proper duration and starting date insurance either.
Product: Debt collection

On XX/XX/2022, contacted XXXX ( Originator of debt ) and there is no record of any such debt owed. On XX/XX/2022 attempted to communicate this info to AMSHER but was greeted with abusive language. Currently derogatory info is reported on my credit report. This info us unfounded and not supported by documentation and violates requirement of the Fair Credit Reporting Act. Amsher Collections fail to provide documentation of any existing debt " to me '' .after repeated requests. Amsher knowingly purchase medical debts to coerce settlement/payments from consumers without proof of debt existence
Product: Credit card or prepaid card

My American Express XXXX were abruptly suspended after XXXX years and I was told that I have to submit filed tax returns in order to restore my privileges and I never received anything in writing. I spoke to XXXX XXXX who was assigned to my account.
Product: Debt collection

collection agency has tried to make attempts collecting a debt that was settled directly with the vendor months ago. They have contacted family members as well attempting to collect a debt that is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX
Product: Credit reporting or other personal consumer reports

Someone at a bank ( XXXX  ) opened an account fraudulently. So they used my name and social security number. The bank and the Experian credit reporting agency refuse to remove the fraudulent information in the report, claiming the the identification information matches my name... yeah, because that's how identity theft works. I have included ANOTHER FTC Identity Theft report, showing that this is a case of fraud, and have gone through all the proper channels of reporting it to local and federal authorities. Now, it is EXPERIAN that is violating the fair credit reporting act by not removing the fraudulent information in a timely manner.
Product: Vehicle loan or lease

My vehicle was a total loss from Hurricane Milton in Florida. I contacted Vystar several times to advise the vehicle was a total loss and the insurance was in the process of paying the loan. I also advised I had the GAP insurance to pay balance. Vystar credit union continue to charge fees. Even after receiving {$13000.00} from auto insurance and {$6800.00} from GAP insurance. Vystar received a total of {$20000.00} from insurance. Which I feel I should now have a XXXX balance however credit union loan still shows a balance owed of {$2400.00} this balance includes late fees charged continuously after notice of loss. This has also hurt my credit score as Vystar continued to report to the credit bureau.
Product: Checking or savings account

I have a checking and savings account with Citi Bank. It is my primary account for paying bills and holding my money. 

On XXXX Citi bank called me and said that I has some fraudulent charges from XXXX. I confirmed that these were fraudulent charges. 

On XXXX I called CIti bank back because my online banking access was sudenly removed. Citi said that due to my fraudulent charges they removed my online access to my bank account. 

When I told Citi that I am traveling and need access to my online account restored, they said that they will ship me a new debit card and I need that debit card number to restore my online access. 

I explained, again, that I am traveling and will not have access to my mailbox to receive the new debit card, but I need access to my bank account online. The Citi employee told me he can't help me. I asked to speak to supervisor. Supervisor said that my access to the online account should be restored in XXXX hours. 

It is now XX/XX/year>2024, XXXX hours later and I still can not access my online banking. Today on XXXX I called Citi bank again. They told me they can not help me unless I give them the new debit card number. 

I said I am traveling and am not near my home mailbox. The Citi employee told me to " ask a friend to go to mailbox and get the debit card : '' This is unacceptable. 

Citi took away my online access with no explanation, or alternative way to verify my identity in order to give me online access back. I can not manage my bill pay or see my balance! 

I need access to my online banking restored ASAP!
Product: Credit reporting or other personal consumer reports

I am requesting that several fraudulent hard credit inquiries be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX This bank charges account inactivity fees as many banks do. However, what this bank also does is disable your online access to your account when they begin charging your fees. I've now been on the phone over XXXX XXXX trying to reenable this account so I can transfer my funds out. 

This practice seems as if its goal is to ensure it is as difficult as possible for people to : XXXX. Notice that their account is getting inactivity fees XXXX. Withdrawal funds from their inactive account, ensuring the bank maintains control over the funds and can gain from the inactivity fees. 

It is predatory.
Product: Credit card

I am a credit card holder for XXXX XXXXAvant LLC . On XX/XX/XXXX I made my monthly payment ( by telephone, this company does not offer automated assistance and therefore it is generally with a " offshore '' customer service representative. I was informed that I would receive my confirmation by e-mail. On XX/XX/XXXX, I received a telephone call from my bank, XXXX XXXX, " Account Take over Fraud Department. I was informed that I needed to shut down my checking account and open another one ... with the representative. VERY suspicious, I declined to do this until I could go to my local branch bank and do it in person. In addition, they could not give me any details as to what was wrong. I have been a customer for over 26 years with XXXX XXXX. ( a complaint has been filed with your offices ). On XX/XX/XXXX, I saw a charge from XXXX XXXXAvant and it was from my checking account paid on another customers account, I have the documentation and details from the transaction. I contacted my bank and reported fraud ( they never disclosed to me that this was the " transaction ''. I filed a complaint with the XXXX of Illinois, ( this is where the company does business ) and read over 250 complaints against this company. To date they have not assisted me with my complaint or taken corrective legal action for the internal fraud that was committed, or refunded my money. Today, i received a response from the XXXX that Avant is sorry for my inconvenience and asked if I would e-mail them the bank information that I hold. I want this company held liable for the illegal fraud. I am due to make my monthly payment to Avant this month but extremely concerned due to the breech of my personal and confidential information by XXXX XXXXAvant LLC .
Product: Debt collection

Received a collection call for a missing payment for XX/XX/2019 that was paid on XX/XX/2019. Servicing transferred from XXXX XXXX to PHH Mortgage. Payment was sent by XXXX XXXX  to PHH on XXXX vis XXXX ( XXXX ) and received by PHH on XXXX signed for by XXXX. PHH denies receipt of payment and customer service refuses to acknowledge the issue. Called several times and always waste away on hold. When someone finally answers I am either hung up on or placed on hold again.
Product: Mortgage

My case happened in 2013 but I only heard about you now. I found " First American Mitigators '' as a law firm specializing in loan modifications. I contacted them, and based on our conversation, they agreed to take on my case, assuring me, that they would negotiate a loan modification with my lender, in order for me and my children to be able to stay in our house after my ex husband had moved out. 
I paid them {$5000.00}. Months went by without any news. They had also advised me to not pay my mortgage while the negotiations were going on. Every time, I called them to get an update on the situation, I was told to be patient and that they were working on it. A year later, I received a letter from my lender, notifying me that my property was going into foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit. I found that my address is still not the correct address on Experian credit bureau. If you look at my identity theft report it has my correct address listed on the Federal Trade Commission Identity Theft Report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX. XXXX XXXX XXXX XXXX XXXX, Fl XXXX has never been my address. Ive also noticed that Experian shows that my employer is XXXX in which Ive NEVER worked for that company ever. I dont know anything about XXXX. There is also an inquiry that shows XXXX XXXX that I dont recognize and I have asked Experian to remove that inquiry from my report because I have no knowledge of XXXX XXXX. Ive also reached out to your bureau several times in regards to the illegal reporting from XXXX. Someone used my information illegally, my social security number, my date of birth and my name. I have reached out to you several times about this to let you know that my information was breached on several instances and that is what lead me to file an identity theft report with the FTC. How many times do I have to keep letting you guys know that XXXX is not my debt. I dont know anything about XXXX until I received a copy of my report. Please remove XXXX XXXX from my from my credit file as this is not my debt for the last and final time. 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 605 B section 2 : also states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 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. PLEASE LOOK AT THE FTC REPORT TO SEE THAT I HAVE FILED A IDENTITY THEFT FOR FINEWISE/ OPPLOANS THIS IS NOT MY DEBT. MY DATE OF BIRTH, MY SOCIAL SECURITY, MY NAME WERE BREACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion, XXXX, and XXXX for reporting inaccurate information on my credit report. Despite my repeated attempts to correct this, the incorrect data remains, significantly harming my credit score.

**Account Details** : - Creditor : XXXX XXXX - Account Number : XXXX - Status : Voluntary repossession initiated in XXXX, closed since XXXX **Complaint** : - XXXX XXXX refused my voluntary repossession request in XXXX. 
- A court judgment was awarded in my favor, and the account has been closed since XXXX. 
- The account is still being reported as open and late, which is inaccurate. 

This continued misreporting violates my rights under the Fair Credit Reporting Act ( FCRA ). I have made numerous attempts to correct this with the credit bureaus, providing necessary documentation, but they have failed to update my report.
Product: Credit card

I had purchased furniture from XXXX XXXX home store with TD bank in summer oXXXX XXXX  and I was offered is 0 % interest if paid in full in 2 years. The store told me " no hidden fees or extra fees '' but i was charged multiple fees including interest charge even if i made full payment in 6 months. Even if i brought up this issue they were not interested in resolving the issue and i ended up paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out several letters in regards to a few accounts reporting on my credit report that did not look accurate. I asked for them to review everything and confirm these accounts that I'm not familiar with. I have not heard anything. 

I sent a letter on XX/XX/2021 and XX/XX/2021 these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX