23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I started looking for options to refinance my existing mortgage in mid XXXX. At the time, I reached out to Suntrust Bank ( Truist ) that gave me a good quote. I asked to lock the rate. I was told I needed to apply online by the end of that weekend. I did. Next, all of the sudden, they weren't able to lock that rate and of course rate was higher now. Did not move forward. 

In XXXX, I decided to get quotes again, got a decent quote and this time and I was able to lock the rate ( of course with a little increase by the time I did ). I went through the whole process. Got my initial closing estimates, which I agreed to. When time to close on the loan arrived, I get closing disclosures, which, in the section of Services Borrower can shop for, the cost had tripled from the initial disclosures. I reached out to the mortgage officer and she went back, asked her supervisor, and came back saying that it was a mistake and that she was going to fix it " not to worry ''. A few days later, I get a call from the title company to close on the loan. At that time I did not have a final closing disclosure. The closing was set for XXXX on XX/XX/20. That morning neither myself nor the title company had the closing disclosures. Finally, at XXXX, they sent 4 different disclosures with different numbers not stating which one was the correct one. 
The title company kept trying to come to get my signature. By XXXX I managed to talk to the mortgage officer ( XXXX XXXX ) who told me that the closing disclosures where the ones I had gotten in the past. I told her that I had not agreed to that and that those services can not increase more than 10 % per mortgage rules ( I did not shop for those services. I accepted the services provided and quoted by the bank ), and instead they were increasing 300 %. The mortgage officer said that they had to change title company and that was the price. I refused to close on those conditions and told her to refund me the appraisal fee she had charged me, as I was being defrauded. She ignored me. 
The following week, after I made clear I did not want to close with the bank anymore, all of the sudden, another title company calls me to close!! I went back to the mortgage officer and asked what was that. Her response was that she can not give me the money back but she can now close with the original disclosure estimate. 
I continued to say no, I do not want to work with people or an institution that behaves like that. It was a clear situation where the officer or the bank was trying to rip me off. Only when I decided not to go ahead they lowered the costs to what they had promised. They clearly lure people with fake rates ( that then they increase ) and with fake closing costs ( that then they increase ). This is dishonest! 

I only asked for my refund of {$680.00} to forget about it and move on. The mortgage officer has ignored all my requests.
Product: Credit card

( 1. ) Letter sent to me from Synchrony Bank, XXXX XXXX XXXX XXXX XXXX  regarding Synchrony XXXX XXXX account ending in XXXX. 

( 2. ) Letter stated : " After a review of your account Synchrony Bank has decided to close your account. The reason for their decision is the number of dishonored payments on this account. 

( 3. ) I contacted the bank and spoke to an employee named " XXXX '' employee ID # XXXX. I inquired of her to provide what payments and when they were dishonored, to clarify why I asked the question is because I made an electronic payment to Synchrony bank in the amount of {$95.00} as required by their payment notification shown on their website for this account. Synchrony 's online payment policy as found in the terms and Agreement paragraph " states '' online payments will be posted within XXXX XXXX hours. This action did not occur based on my follow-up of ensuring the payment was received, however ; there was no indication that the payment was received/posted after 3 days. This is not the first time payment was made but not posted until several days later and not as stated in the Terms and Conditions clause. 

( 4. ) I then asked XXXX if I can speak to a manager or the bank manager ( someone I believe would have the authority to waiver/rescind the initial letter sent to me ). Her response was she is a supervisor/manager and " quote '' the only one in the bank that can take the action I requested. XXXX stated it was not possible to make an exception in this matter and she was the only one with the authority to do so if possible. She begrudgingly stated the reason given to me for not reversing the bank 's decision was solely because their policy is strict and no exceptions will be considered. 

( 5. ) I invite you to review the activity sheet for this account which can be found on the Synchrony Bank website. It reflects various actions ( dated XXXX XXXX- XXXX XXXX ) initiated by Synchrony bank. There is no indication of a dishonored payment shown here or in my personal checking account ( XXXX XXXX XXXX XXXX ) that would prompt Synchrony to initiate the action as stated in their letter dated XX/XX/year>. It is clearly visible that a payment made by me in the amount of {$190.00} on XXXX XX/XX/year> is posted on the website under my account. Furthermore ; this payment has been debited from my XXXX XXXX XXXX XXXX XXXX account. 

( 6. ) There is Clear Unmistakeable Evidence ( CUE ) that Synchrony has an accounting system that is not updating in a timely manner, accounting for, or providing accurate information as it pertains to my account and more than likely many others.
Product: Vehicle loan or lease

I made my payment for this account with XXXX XXXX on the XXXX of XXXX XXXX at XXXX XXXX central time I made payment of {$540.00} which i have done this before several times on this day I was told by them and also recording to get payment in by XXXX XXXX  eastern time to be accounted for on time. well this particular time they mark me late, and said it did not post until the XXXX of XXXX, but acknowledge they took payment on XXXX/XXXX/XXXX and it was late but i made it before the cut of time which they said this is correct but we will not change the marker it was there on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXXXXXX They have violated my rights.

15 U.S.C 1681 Section 602A states that I have the right to privacy 15 U.S.C 1681 Section 604A Section : It also states a consumer protection agency can not furnish an account without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) -- 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: Money transfer, virtual currency, or money service

I started trading one year ago and putting all my money in a crypt wallet named Coinbase. Everything was okay until one day my account was restrained or blocked. I only can see my savings but I can't buy more, transfer or sell. 5 months ago this happened and I tried 20 times to contact and ask for help and they always answer the same email and telling that muy problem is solved. they don't solve anything and when you answer the same email telling then that they didn't, they tell you to make a new request.
Product: Checking or savings account

On XX/XX/XXXX I used bill pay to pay XXXX XXXX {$25.00} for phone services. I was given a confirmation # XXXX. It posted on bank account on XX/XX/XXXX. On XX/XX/XXXX my phone service was suspended for non payment. I called the carrier and they had not received the payment. I had to make the payment to have my service restored. I called Huntington Bank on XX/XX/XXXX and was told the payment to XXXX was not sent and a refund was request and I would have it in XXXX -XXXX hours FILE # XXXX ... ... 
I check my bank account today ant the {$25.00} still was not refunded back to me. I called the bank today and they had closed the case. I called XXXX XXXX and they only have the payment I made on XX/XX/XXXX and no other payment. My next payment is to be made by XX/XX/XXXX meaning theu don't have any payment from Huntington
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in XXXX XXXX XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. I have already gotten a police report with local police. And I have contacted the FTC. These items need to be deleted from my credit report. XXXX, XXXX, XXXX, XXXX XXXX. Inquiries : 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
Product: Debt collection

I did not sign up for this American Honda Finance Corporation account with the balance of {$3000.00}. I did not give anyone consent or authorization to use my information for this account. I did not benefit in any way from this account. This account is FRAUDULENT and is a result of IDENTITY THEFT. I have filed a police report with the XXXX Police Department, a FTC Report with the Federal Trade Commission. 

I disputed this fraudulent account with American Honda Finance Corporation several times and they keep denying it. Back in XX/XX/2014 I was a victim of Identity Theft when someone opened a XXXX XXXXXXXX Credit card, a XXXX account, rented furniture from the XXXX XXXX, and also financed a car in my name. American Honda Finance Corporation is the only company of the four that denied my request to have the fraudulent account removed from off my credit report. I filed a police report as well as a FTC report.
Product: Credit reporting, credit repair services, or other personal consumer reports

All my data was sold by XXXX and possibly to many other unknown companies starting several years ago potentially as far back as 2007, even during my time in the XXXX XXXX. Between then and now I am not sure to what extent my personal identity and information has been breached and shared. There is an XXXX XXXX account that I am not aware of in collections. There are three unknown hard inquires on my report as well. There is also a XXXXDept of Ed account that should not be there, as that loan is not valid because the original loan was cancelled as a result of a class action lawsuit ( Sweet v. Cardona ) XXXX I also did not give, authorize, or provide any WRITTEN CONSENT for any of the information shown on my credit reports of which are being reported by these reporting agencies.
Product: Credit card or prepaid card

I wrote to them through the Comenity Bank website for XXXX XXXX. 
They do not know how to read and thus gave me a non sequitor response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account name # XXXX XXXX XXXXXXXX Account number # XXXX Account type # Collection Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # 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. 

Account name # XXXX XXXX  Account number # XXXX Account type # Rental Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account # 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. 

Account name # XXXX  Account number # XXXX Account type # Charge Card Responsibility # Individual Date opened # XX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  opened a fraudulent account in my name. The person I spoke with in the fraud department said it could have been the person who lived here before me and they're placing the account under my name as a result. In order to have this account removed from my credit report, XXXX  is asking me to send them proof of residence which I don't have. They're telling me that they possibly mistakenly put this account in my name and the burden is on me to produce a document I don't have access to in order to have this fraud removed from my name. XXXX  sounds like a reckless company with unfair collections policies. Neither they nor the collections agency they've placed my account with have access to my account information because the account is too old. They can't even give me a complete address. The collections agency only has the city, state, and zip code. The collections company has no proof that I owe this debt and neither does XXXX XXXX. They're expecting me to jump through hoops to prove that I don't owe this debt but they can't even provide something as simple as an address where the service was supposedly installed.
Product: Checking or savings account

A check I mailed to a client was stolen and fraudulently cashed. The check was written on XX/XX/2023 and cashed on XX/XX/2023. Check number XXXX for XXXX Made out to XXXX XXXX I filed a claim with XXXX XXXX and after working though the contradicting instructions from their representatives the claim was submitted in XXXX. Check number XXXX for XXXX was written and cashed on the same dates to the same recipient. Several months ago I received the money back for check XXXXXXXX. XXXX XXXX keeps telling me that Cadence bank 's investigation is pending but refuses to share with me the details that Cadence bank sent in their update because " customers cant speak to that department ''. I received a call from the check casher 's ( XXXX XXXX XXXX XXXX ) Collection department ( XXXX ) Who was calling to collect the funds on the check ( meaning that they never received the funds from Cadence Bank ) The collection department also informed me that the check was cashed by a " XXXX XXXX ''. It is pretty easy to see that Cadence bank still has the funds, XXXX XXXX has been completely incompetent from start to finish and XXXX XXXX XXXX XXXX cashed a check fraudulently signed for by XXXX XXXX that was addressed to XXXX XXXX. I haven't been able to get any update the last 6 months other than " Cadence Bank 's investigation is still pending and we can't share the details in the note they send us because that department doesn't talk to customers '' Even tho I was paid months ago for check XXXX
Product: Credit card or prepaid card

Account # XXXX XXXX I opened the credit card at the cash register. I felt bad for the cashier because the supervisor was telling the cashier he had to sign up more customers for credit cards. So I said I would sign up thinking I would put my purchase and cancel it in 6 months. I might visit XXXX once or twice a year. I completely forgot about it and two months later I checked the paperwork the cashier gave me and it was all black. I believe because of the heat transfer of the paper. I never got a credit card or a bill. Finally three months later I received a bill and no credit card. I called and the call went to their collection department. I told them that I have n't received anything until now. I agreed to pay what I owed and the interest to that point. I told them I wanted to talk with someone from XXXX. I did n't think it was fair that I had 3 months of fees and wanted to talk to someone. I repeatedly asked to talk to someone in charge. I was on the phone and on hold for almost an hour. They said if I made the payment they will have a supervisor call me once the payment cleared. I asked why did n't they think to call if someone never activated the card. They did n't care. I asked would n't that throw up a red flag. I agreed to pay off what I owed plus interest but wanted to talk to a supervisor. They agreed and I made the payment. I asked them to close the account. Months passed I only received one of the bills and no phone calls. I called and tried to talk to them and the account was n't closed. She closed the account and said I was on the hook for everything. They would wave one payment if I made the back payment. I agreed that I will pay the first three months of fees to end the nightmare. Then the rep said I would still have to pay all the other fees. I did n't agree with that. I said that I would file a complaint if they did n't try to work with this situation. They said that nothing could be done. Had I closed months ago they would still charge the high late fee and report every month until I paid everything. You could not do anything because you agreed to have our credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : 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 

FCRA violations 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
Product: Credit reporting or other personal consumer reports

I have tried many times to get Comenity Bread to report the account as OPEN/NEVER LATE. The company continues to report the account as CLOSED on my XXXX and trans Union credit reports. This is not correct. THE ACCOUNT IS OPEN AND BEING USED EACH MONTH. I need them to report the correct status
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX I submitted certified letters to all 3 credit bureaus ( XXXX, Transunion, XXXX ). I disputed numerous inaccurate trade lines on my account. I requested that they verify all items and provide me with documentation. After the first attempt no changes were made. I then submitted another certified letter to them again on XX/XX/XXXX. This letter was again in dispute of inaccurate reported tradelines. I requested they be verified and original documentation be provided to me. This request again was not completed. I then sent them a third request via certified mail on XX/XX/XXXX restating the purpose of the letter was to manually investigate all items listed. They responded once again that they are making no changes and that all information was verified. Yet again my request for manual verification was completely ignored. I sent them one final 4th request on XX/XX/XXXX again by certified mail, restating for the 4th the items that needed  to be verified or removed along with the the method, the name, and of course the original contracts that were signed with my signature. This final attempt was again ignored and not corrected. I have a copy of all certified and notarized letters, along with receipts of the sent letters. This needs to be completed and fixed and all items removed.
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX Credit Bureau. I am a victim of identity theft and did not make the charge or the accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife was checking on a new truck and I told her that I did not want the people doing a hard inquiry on my credit and they said they wouldnt. Instantly I received 10 hard inquiries and I want them taken off and something done to them. Its the XXXX dealer in many Louisiana. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i received a loan inquiry from a company i never reached out to and they got a copy of my credit report and it is now listed as a hard inquiry i never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter over 60 days ago to Lexis Nexus about inaccurate, incorrect bankruptcies they are reporting on my consumer report to XXXX, XXXX, and XXXX. This company is in violation to ( 1 ) my right to privacy as I have contacted the court and was advised they DO NOT report any information the THIRD PARTIES. ( 2 ) I never gave you permission written or oral to report anything on my credit report which is a complete VIOLATION of 15 USC 1681A ( 4 ) ( b ) ( 2 ) which is to respect my right to privacy as a consumer. Violation # 2 Under 15 U.S. Code 1681b- Permissible purpose of consumer reports which means you had no right to utilize my report as this was not for unemployment nor insurance. I have failed to hear any response from Lexis Nexus and I'm tired of my request being ignored. It has been more than enough time to respond to me and this is a violation under FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the a Fair Reporting Act XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section A States I have a right to privacy.

15 U.S.C 1681 section 604 section 2 It also states a consumer reporting agency can not furnish an account without written notice.