23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

When reviewing my checking acc. statement, I saw a withdrawal from Synchrony bank for XXXX XXXX purchase for XXXX, XX/XX/24. So I called the Synchrony Bank and told them what I observed in my personal acct. They said I made the payment on their website, but I went to their website because I received a bill and it didn't indicate that the auto pay was set up. When I went to the website I wanted to make sure it was set up and there were not overdrafts or extra fees charged as I set that up at the furniture store. So, I asked for a refund and they told me they could not reimburse the funds back into my acct., but would send a check which I would receive in 8-15 days. After one month, I called and said I never received the check. They said that they would send the check and I would receive it in 8-15 days. I still have not received the funds. 
I have tried to photo the bank statement and also scanned it into my computer but the file is empty. If I could send it to an email address for proof of this statement, that would be very helpful.
Product: Checking or savings account

On Monday, XX/XX/XXXX, I deposited a check drawn on the XXXX XXXX XXXX XXXX in the amount of {$55000.00} in my account with Capital One, with the expectation that the monies would be available on Tuesday, XX/XX/XXXX in accordance with the provisions of implementing Regulation CC. In subsequent conversations with representatives of Capital One, they advised me that a certain amount would be available on Tuesday, XX/XX/XXXX, but that the full amount would not be available for four ( 4 ) business days for " security reasons ''. When I pointed out that the check was drawn on another financial institution and that the only way a bank check could be returned is if it is lost and/or stolen and that because it was being deposited into account with the same as the check payee, and therefore was neither lost nor stolen, their " security reason '' was without merit. I requested that the matter be escalated and that I receive a call back, but I have neither received a call back, nor has the full amount of my check been made available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect reporting of my name and address on my credit profile. I have sent dispute letters XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking for Equifax to remove all the incorrect information per 30 to 45 days guide per FCRA. I am force to submit an complaint and it's causing me to not getting approved for loans and employment to this information being reported incorrectly. 

Incorrect Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked them to remove all inquiries because I didn't apply to any of these companies. 
- XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Mortgage

Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned '', which is entirely false! This letter was never addressed, and instead my loan was sold to Ocwen immediately. I am writing now, because come XXXX/XXXX/XXXX, my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX, I took a XXXX ARM XXXX, with the plan of selling the property within those 5 years. As you can imagine, the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX, a rate and term refinance or a consolidation refinance. Additionally, I have a 2nd mortgage with XXXX, formerly XXXX XXXX XXXX, which is a 30 year due in XXXX. I have an additional 5 years on this mortgage at 9.75 % until it Balloons on me. With no options to get out of either of these mortgages, due to lack of product or assistance, I feel stuck. I am a mortgage broker myself, and have been for the past 14 years, I can not find an option to get out of these mortgage. I can not refinance and I can not sell. Additionally, because my mortgage license is tied to fiscal responsibility, there are no options for me to short sell, deed in lieu or allow foreclosure. This would all impact my mortgage origination license and ultimately harm me and my family even more. I need help. I need assistance. I am a responsible person with good income, good credit, XXXX children and a career. I have no options, and come XXXX of this year, XXXX, I am going to be put in a situation that I simply can not afford. There are no options out there for people like me who pay their mortgage on time each month, but do n't have the required equity to better their situations. Neither Ocwen or XXXX can refinance me. I have tried to Modify, but make too much money. I have been contacted by companies telling me they can get me a modification, but only If I do not pay the mortgage for 2 months. Im not willing to do this either, as that is not the right thing to do. Please let me know what options I have so I can continue to hold onto this property until I have an opportunity to sell it. 

I have attached a timeline of communications in which IndyMac bank simply refused to take responsibilty
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX, XXXX, and Experian XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to dispute the following information on my XXXX credit report. The accounts in question are : Account Name and Number : XXXX XXXX XXXX XXXXXXXX accounts contain several inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ). According to these sections, all information on my credit report must be 100 % accurate across all three credit reporting agencies. If the information can not be verified as accurate, it must be corrected or removed. This inaccurate information is unjustly affecting my credit standing. Therefore, I request that you investigate this matter and remove the inaccurate information from my credit report. Enclosed are copies of my credit report highlighting the inaccuracies, as well as any supporting documentation. If my request is not fulfilled within XXXX to XXXX  days, I will proceed with litigation to collect {$XXXX} in damages for each inaccuracy on my credit report, as permitted by law. Thank you for your prompt attention to this matter. Sincerely, XXXX
Product: Credit card or prepaid card

I have had my credit card with XXXX XXXX XXXX for less than two weeks. I started making payments on the card after making purchases because I purchase more than my credit limit in a month. I accidentally put in the wrong account number from my financial institution and realized my payments were not going through. I called XXXX XXXX XXXX to inform them of the issue. After holding for hours and being transferred over and over and calling them on 5 different occasions they finally told me to call back at the end of the week after the payments have been returned. I called them today XXXX/XXXX/2017 and I opened my account with them in early XXXX. My payment still is not due and I have n't even received a statement because my account has only been open for a couple weeks and I was notified that they sent me to a collection agency and closed my account. 

I did not receive a phone call back or any written notice despite the fact that I tried to reach out to them multiple times and spent hours on the phone with them. I was the one that found out that there was an issue with my account information for my payment and I called them to notify them. I have been treated very unfairly and they have not responded to any of my inquiries and after promising to call me back I have not heard back from them at all. I am very upset with their treatment of me and with the overall lack of professionalism. It is extremely unfair that they have closed my accounts and sent me to a collection agency after I have been desperately trying to correct this as soon as I found out and that I received no notifications or anything. Again I have n't even gotten billed yet because my account is two weeks old. I am in shock that a company is allowed to operate in this manner and possibly mess up my credit score with no warning and within a couple of weeks of opening my account. I was transferred from one person to another with no one able to assist me and spent hours on the phone on hold.
Product: Checking or savings account

On XX/XX/2020 I attempted to use my temporary debit card to purchase something and it was declined. I was confused because I knew I had more than enough funds in the account to cover the purchase. I called US bank right away and the automated answering system informed me that my card was put on hold for suspected fraudulent activity and it asked me to verify if I made any of those transactions ( {$1300.00} ) which I did not. I was transferred to fraud department by the automated system and I explained to them what happened and they filed the claim for me explaining that provisional credit will be available in 10 business days. They instructed me to break and throw away the card that was compromised and I would get a new one in the mail. They also instructed me to fax back a declaration form which I did the next day on XX/XX/XXXX. I called US bank on the XXXX of XXXX Friday and I was informed that it hasnt been 10 business days yet and to wait till Monday the XXXX. Fast forward to today XX/XX/XXXX, I called US Bank once again to inquire as to why my provisional credit wasnt provided after checking my online account. After a long hold, they informed that my claim had been closed since XX/XX/XXXX and the investigators determined that I initiated those fraudulent transactions. I was shocked by this because no one told me this on Friday when I called and i asked to speak to the claim investigator but they told me only they can call me so I have to wait for their phone call. I am beyond frustrated because US banks fraud system detected this fraud in the first place and my card was placed on block due to those transactions which I verified were not initiated by me the same day when I tried to use my debit card. To add to all this frustration, A US bank branch manager in XXXX sent me a letter informing me that my account would be closed at the end of XXXX for no reason. When I called for answers they told me they had the right to do that and do not need to provide me any explanation. I have been US bank customer for over two years and Im really disappointed with how they are treating me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I am very stunt of how credit cards started theirs thief style stared charging their redicilous fees and XXXX off recking peoples credits and so on Problem 1- capital l one stop mailing statements without my request so in XX/XX/XXXX I requested and told their customer service over the phone that because I have been Haked twice and because of the headache and hassle I went through I decided I dont do on line banking ever again therefore I dont care how much credit cards like internet Ill do it my way and thats not to do on line banking case closed. 
Problem -2 I made a transfer over the phone I asked customer service about transfer fees she said the transfer will be treated as a purchase so their wont be any fees so I get my statement capital one charged me {$20.00} interest late fee and madd my account past due I call customer service and tell them that I never got statements I wasnt suppose to get charged regarding transfer they need to reverse all the fees then he told me I have to pay off the account in full then they will take all the fees back Well with everything they did I dont trust capital one because if I pay off the account then call for fees credit requests They will tell me something around the fees charged were ledgenamet
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting Act Online Information System Account # ending in XXXX, XXXX XXXX XXXX Account # ending in XXXX, and XXXX XXXX  Account # ACCIL have violated my rights. 

15 U S.C 1681 Section 602A states that I have a right to privacy.

15 U S.C 1681 Section 604A also states that a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 U.S. CODE 6803-DISCLOSURE OF INSTITUTION PRIVACY POLICY, AND ACCORDING TO U.S. CODE 6802- OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION.

( b ) OPT OUT ( 1 ) IN GENERAL A FINANCIAL INSTITUTION MAY NOT DISCLOSE NONPUBLIC PERSONAL INFORMATION TO A NONAFFILIATED THIRD PARTY ( XXXX, XXXX, AND EXPERIAN. ) UNLESS- ( A ) SUCH FINANCIAL INSTITUTION CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, IN WRITING OR IN ELECTRONIC FORM OR OTHER FORM PERMITTED BY THE REGULATIONS PRESCRIBED UNDER SECTION 6804 OF THIS TITLE.

ALSO ACCORDING TO THE " GRAMM-LEACH-BLILEY ACT '', FINANCIAL INSTITUTIONS MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION-SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT '' IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES.

UNDER THE FDCPA, A COLLECTOR MUST PROVIDE YOU WITH INFORMATION ABOUT THE DEBT IN ITS INITIAL COMMUNICATION OR WITHIN FIVE DAYS AFTER THE INITIAL COMMUNICATION.

ALSO, THE FDCPA STATES, " YOU CAN NOT ATTEMPT TO COLLECT AN DEBT WHILE A PERSON ( THE CONSUMER ) SUPRESS VALIDATION. 
XXXX, XXXX, EXPERIAN, AND THE ACCOUNTS LISTED BELOW HAVE CLEARLY VIOLATED MY RIGHTS : 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 FAILURE TO RESPOND SATISFACTORILY WITH DELETIONS OF ALL THE ABOVE ACCOUNTS WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST, XXXX, XXXX, EXPERIAN, WHICH I'LL BE SEEKING A {$1000.00} PER VIOLATION FOR DEFAMATION OF CHARACTER ( PER SE ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD. 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOMPLIANCE-616 CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE.
Product: Debt collection

This is the second complaint filed with this company Procollect. I have faxed on XX/XX/18 notication of fruad/identify theft regarding collection on my credit reports. I am XXXX  and live on a fixed income and for this reason I would not authorize anyone using my personal information. I'm requesting deletion of this collection be removed from my credit reports. Please see attached.
Product: Credit reporting

I am not sure if this is the right category for my complaint. I have contacted all XXXX credit bureaus about my credit score decreasing by XXXX points. After speaking to a representative at both XXXX and XXXX about the issue they assured me the credit bureaus would have to explain what happened. So far none of the XXXX have been able to explain it. I pay XXXX {$6.00} a month to lock my credit report and notify me of any changes to my report. No one can access my report without my knowledge or permission. XXXX, a creditor of mine, arbitrarily, increased my credit limit from {$350.00} to {$600.00}. I did not request the increase and XXXX did not view my credit report. My credit score went from XXXX to XXXX on Trans Union and also dropped significantly on the other XXXX bureau reports. Each agency has tried to speculate about what possibly happened and none of the scenarios presented are applicable to me. My credit utilization went from XXXX % to XXXX % and that, based on all credit simulators and credit information online should have increased my credit score and not caused it to drastically decline. The representative at XXXX indicated I need to go out and use some credit. I do not want to keep increasing my debt in order to raise my score. I am currently trying to obtain a mortgage and have been diligently working on my credit score over the last several months raising it up from low XXXX to almost XXXX. After an unsolicited {$250.00} increase to a card with a {$93.00} balance my score drops like a rock! Trans Union told me I need to seek a credit expert. I do not need a credit expert. I need to know why decreasing my utilization had an adverse effect and not a positive one as it should have. There is something very dishonest about this and because the credit bureaus attempt to say this process is done by some random calculation of the information is deceptive. Computer programs can be fixed for any given result. This is not random and take into consideration, now " XXXX '' is affiliated with XXXX major credit reporting agencies constantly making " recommendations '' to apply for additional credit and the credit bureaus are constantly pushing credit monitoring products for profit. I am not in control of my credit, the credit bureaus are controlling my life and taking away my choices. This is a scam to benefit the credit bureaus, credit card companies and not the consumers. I am being victimized, manipulated and exploited because I need to utilize the credit reporting system in order to acquire the basic necessities of life. I am not sure if this is a matter for this agency, for legislature or if I should contact an attorney but I am covering all bases. Average hard working people need regulations for this type of greed, abuse and victimization.
Product: Payday loan, title loan, or personal loan

As per 15 U.S. Code 78cc, which emphasizes the importance of valid contracts, along with 15 U.S. Code 1692g Validation of debts and 15 U.S. Code 1681s2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. 15 USC 1681A & 15 USC 1681B CC XXXX Last reported XX/XX/2023 {$2400.00} Reported balance
Product: Mortgage

Back in XXXX, of this year, I was behind on my escrow account, by {$1000.00}. So my payment went up to {$780.00}, Starting XXXXXXXX XXXX. They take, XXXX XXXXXXXX month out of each payment for Escrow. I am caught up on escrow and the amount in there, Freedom Mortgage says on statement, either stays the same or goes down. I've tried calling their 3 phone lines. The 1st one is just a recording telling me what i owe and that's it. The 2nd one is not in service and the 3d one, I tried telling the lady what should be in my escrow after paying {$780.00}, for 4 months. She hung up on me. Just got my statement for XXXX ( late ). Now they are charging me 2 months of {$780.00}, plus a late fee. Last month and this month, I sent {$700.00}. Cause I feel that my escrow should be caught up and that they are Frauding me out of alotbof money, that I can not addordon this 80 year old house. I can go to my bank and get all checked printed up from XXXX till now. And all recent statements. If They don't fix this issue. I'm suing Freedom Mortgage for the outstanding principle on this loan. I do know, this complaints against them with the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been receiving several phone calls and mail from XXXX a collections agency representing TD Bank/Target Credit Card. They gave the account number XXXX. They told me I had until XX/XX/ to respond and dispute the amount of the said debt. The issue is this account is open and active. I have been making my monthly payments and was completely blown away that they would send my account to collections. The account has not fallen into a collections status since I open the account. My rights as a consumer are being violated because of whatever issue they have in their system. To place my account into collections has been disturbing me as I know that I have been making payments to them. I actually used the card just last month to make a purchase and made a payment this month, I have an available credit right now. The harassing phone calls and a letter stating I am in the collection on a current account are very unethical and wrong on their part. I have tried to contact the XXXX number on the letter only to be told that they were unable to talk to me and that my account had been transferred but would not tell me where was even more stressful.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I pulled my credit reports from XXXX I have them attached. There are seven accounts that are reporting inaccurate. I know my rights as a consumer and I know that al my consumer reports must be fair and accurate. These seven accounts are reporting incorrect time frames and balances. This is incorrect information is affecting my livelihood and mode of living. I demand that these accounts are removed from my consumer reports due to inaccurate reporting. These accounts are reporting as " CO '' every month and that is inaccurate. This is causing the statue of limitations to continue to be prolonged because the time is starting over with this inaccurate reporting. I submitted these disputes to XXXX, TransUnion, and XXXX because each agency is reporting this information for these companies. I have my letter, consumer reports and the laws that protect me as a consumer.