23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I received an offer from Synovus XXXX XXXX with a credit limit of XXXX after reading more on this card issuer I immediately canceled without ever having used or activated the card. ( the offer stated that I could cancel within 30 days if I had not used the card ). 
I recently checked my credit report and find that they report that I opened the account in XX/XX/2021 ; was then 30 days past due in XXXX and charged off by XXXX. 
First I can not be 30 days past due one month after an account has been opened. Neither can I be past due on a card thats never be used or activated. And then from open to close in 60 days they charge off an account that never had a balance to charge off. Ive requested they remove this information and they refused. This information is misleading to say the least and very damaging to a credit report, not only that it is fraudulent information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach : DEPT OF EDUCATION, XXXX XXXX XXXX XXXX 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

XX/XX/2023. Portfolio Recovery called me at XXXX XXXX. I answered and stated do not KEEP HARASSING ME AT XXXX XXXX. I am asleep.. And they hung up without saying anything, because they know theyre breaking the law. 

Im incredibly frustrated bc I do not sleep well or enough, and its one of the worst things to do when Im recovering from XXXX, and a XXXX. Woke me up from sleep. This is the second day in a row they have called me between the hours of XXXX and XXXX. 

Yesterday XX/XX/2023 they called me at XXXXXXXX XXXX. Which I picked up and stated IT IS XXXX PLEASE DO NOT CALL ME AND HARASS ME AT XXXX XXXX XXXX XXXX. They hung up without saying anything. 

I have screenshots that show the calls time, and number- and this is not the first instance of this. 
Ive had at least 10 other calls over the last 6 months or year that have been in the hours before XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Its was a total of 9 inaccurate accounts that dnt belong to me nor did I authorize. 7 of the accounts were deleted but 2 still are reporting. Please remove these accounts from all 3 bureaus
Product: Money transfer, virtual currency, or money service

XXXX I saw that my account was being hacked and I told cash app I have a direct deposit of XXXX XXXX dollers that will be in my account can y'all fix this they said they fixed so what do you know my job sent the money that Thursday the hackers changed all my info and bout bit couns all the XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

We are not getting our statement in a timely manner and after 17 years we are still paying mostly interest. Out of our last 2 payments only around {$20.00}. went to principal.

When I've called them in the past about this they tell me things like " it's complicated and it all according to what day our payment goes in ''. I also believe they've held back deposit on payments for this reason. 

Once when I mailed the payment 10 days before it was due they charged us a late payment. The payment was received on time but they held it. When we verified this they backed off of the late charge.
Product: Debt collection

XXXX XXXX XXXX Date opened : XX/XX/2018 _ Amount {$680.00} _ Account NO # XXXX I reported it is FRAUD to XXXX XXXX since from XX/XX/2018 until now. My name is not XXXX XXXX. It's a similar name mixed with someone else.I never lived in MA. I never open any utility account under XXXX XXXX. I present all prove of address, personal ID, and file police report. I followed all steps from XXXX XXXX requested. Still could NOT get ride off this negative record. It's 21 months still pending. 
Whatever I called, email, disputed ... ... Nobody answer, nobody take care. 
21 MONTHS, still can not solve my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX  XXXX XXXX Acct # XXXX, XXXX XXXX XXXX  XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXXXXXX Acct XXXX XXXX, XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

loan with PHH XXXX loan number XXXX reported to them back in XX/XX/XXXX that this mortgage was not reporting a credit agency for both my wife and I was told they would start reporting Had my credit pulled for a VA cash out refinance and found out still not reporting to any credit agency was told that is was because we had a chapter XXXX BK and it needed to be reaffirmed after agent XXXX # XXXX found out we reaffirmed with XXXX that it will have to be go to their BK department now I was on hold for 45mintues and still on phone Agent told me that it shows that we reaffirmed with XXXX even OCWEN serving reported up until XX/XX/XXXX as reported on updated credit report. 
XXXX agent has no pull to correct this and now have been told it has be submitted their credit operation department to investigate I Need this to report to all 3 credit agencies for both my wife and I to finish our refinance
Product: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 


I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 

I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 


I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 

Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 

I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX Balance : {$1600.00} ; US DEPT OF EDUCATION XXXX Opened XXXX XXXX, XXXX  Balance : {$1600.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Bank account or service

BBVA Compass keeps manipulating transactions and charging me overdraft fees The transaction they claim overdrafts my account never shows on the online banking And the fee is always when I have a positive account balance bigger than any transaction I have made. They refuse to refund these fees and tell me their system is different from what I can see. It appears to me they are stealing my hard earned money because you ca n't charge a customer a few and not show them on the system you give them to monitor their account where the fees originate from. They have now stolen over {$200.00} from me this month alone. I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently ordered my annual free credit bureau report from Experian. 

Because I am a previous identity theft victim, I have placed credit freezes on all of my credit bureaus for a charge of {$5.00} per bureau. When I ordered my bureau from Experian, a message came up that implies my credit bureau is not frozen, although I have proof in the form of a credit card charge that the freeze was lifted for about a week in XXXX and then placed back on the account. This is because we applied for a new HELOC loan. 

At no time while I ordered the free credit bureau report did the company ask me to pay {$5.00} to unlock my bureau. They also never required me to provide a pin number. When reviewing my bureau, no where did I find a notification stating my bureau is on a freeze. It clearly states this on my other credit bureau report. If my bureau has been unfrozen despite paying for the fee, I will be absolutely furious. I am attaching a screen print of the message from Experian when I ordered my credit bureau report.
Product: Credit reporting or other personal consumer reports

I previously notified Equifax that I found fraudulent information on my credit report. Instead of blocking the reporting of this information as instructed by congress they claim that they did an investigation and updated the information, but failed to let me know what was updated. I am entitled to review any information attached to my credit file. I want to see the name of the person that verified this information, what was updated and provided me with proof that this information came from a first-hand source that has first-hand knowledge that the account belongs to me, and that the information provided was in fact 100 % accurate. If this can not be provided, please remove the named accounts immediately! 15 days should be enough time to get this done.
Product: Vehicle loan or lease

In XXXX of XXXX  I discovered that NFCU did not have the title to my vehicle on hand while trying to complete a sale of the vehicle. After multiple phone calls over the course of the two weeks to follow I was condescended and belittled by 3 supervisors who claimed it was my fault that the title had gone missing and one who stated that NFCU records showed them never receiving the title from XXXX. 
Once the records of both the CA DMV and NFCU XXXX and a branch in XXXX XXXX Florida were checked the following was concluded : In XXXX of XXXX, I made a request, through the branch in XXXX XXXX Fl, to have the title sent there so I could register the vehicle as I had just been stationed in FL. A request was made to CADMV to turn the XXXX into a paper copy ( per CADMV records ) That paper copy was mailed to NFCU with a tracking number to confirm receipt on XXXX at the address on file ( XXXX XXXX XXXX, XXXX XXXX, PA ) ( per CADMV records ). From there it was sent via XXXX standard mail to the branch in XXXX XXXX FL. ( per NFCU records ). The branch confirmed that it has no records of ever receiving it or reaching out to me to inform me that it never came in. NFCU has an internal policy that if a title is sent to a branch and not claimed by the member that it is to be returned to the main title holding section in PA after 30 days ( per NFCU ). That policy was never carried out. ( per NFCU ) The events as outlined above and the negligence demonstrated by NFCU to follow common sense practice, such as utilizing mail with tracking service, and disregard for internal policy resulted in the title for my vehicle going missing and remaining missing for a period of 2 years and ultimately resulted in the inability of myself to sell the vehicle to an individual who had arranged to pay more than the remaining loan amount.

In order to try and correct this matter NFCU filed for a duplicate title from CADMV ( per NFCU record ) and charged me a {$25.00} fee ( which they said would be waived prior to me giving consent for the order ). It was only after I received a letter stating that the amount had been debited from my account and confirming via the online app, and calling the help line that the amount was refunded to me. 
I tried negotiating for fair resolution on three separate occasions through a case manager as NFCU supervisors said case managers are the only ones who can do anything beyond. All three were denied. 
No further resolution has been reached. 

For these reasons and pursuant to 12 USC 5531 I am filing the complaint of abuse. Navy Federal Credit Union took unreasonable advantage of my reliance on them to safeguard the property held and displayed negligence on multiple occasions to follow set policy, which is not consistent with acting in the best interest of the consumer.
Product: Mortgage

Amerisave charge me a deposit of {$500.00} as an initial the loan. The loan request were declined after 4 months. When I did request to return back the {$500.00} they dont do that. I did ask in the beginning if I cancel the loan request you return back the XXXX the loan officer told me yes.
Product: Money transfer, virtual currency, or money service

{$94.00} balance on my Venmo balance. My account. I need transfered to my bank account. VENMO GIVING ME HARD OF TIME.
Product: Debt collection

SyncB/TJX Cos : They have multiple times stated that its been verified but they havent shown me any documentation to assist in where to dispute next. There is literally no way they can prove something that didnt happen did!
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX /   2017    XXXX    XXXX  was sent a letter from me asking for the original instrument of indebtedness in its original form of this said account in exchange for payment.   XXXX     XXXX  never responded to my letter.   XXXX   XXXX   was stating that I owe  XXXX . After the letter was sent, I checked my credit report on  XXXX   XXXX ,    2017  and the balance was changed to {$33000.00}. I was expecting a letter from them to no avail about this situation. Upon checking my credit report today  XXXX / XXXX / 2017   XXXX   XXXX  jumped the loan amount back to {$50000.00}.
Product: Credit card

Capital one close both my accounts for no reason. When I called they said its from a year old returned payment.
Product: Debt collection

I contacted Navient Solutions about making a payment on my private student loan. I spoke to XXXX customer service representatives that were very rude. Both representatives yelled at me within moments of speaking to them. The female representative did not answer my questions and spoke in an aggressive manner the whole time. She asked me questions that did not seem relevant in finding a solution to my situation but more aligned with her aim to be as verbally abusive as possible. She blamed working late hours on the reason why she was so rude. She also said she was not in customer service as another excuse to be so patronizing and verbally abusive. I finally received the answers and a solution to my problem when speaking to their supervisor.
Product: Checking or savings account

On XX/XX/XXXX {$180.00} was taken out my account without my permission from Key Bank. I notified the bank was given a phone number to call, I called the number and it said it was no longer in service put in a dispute and was denied. I have been denied my money since XX/XX/XXXX up until XX/XX/XXXX I have put in five or six disputes and all were denied I was told that they contact the company and spoke to someone and they told them that I purchase something from them I asked the bank can I get the company 's name phone number address and what did I purchase and I was told that they could not give me that information
Product: Mortgage

I have been making mortgage payments with XXXX XXXX XXXXXXXX bill pay for the past 3 years with no issues until XX/XX/2023 the payment was rejected and sent back i started to getting miss payment letters and paid a late fee and my XXXX  score dropped by XXXX points i have sent numerous letters but cant get a response.
Product: Money transfer, virtual currency, or money service

I sent money on XX/XX/12 but two days later 1 hour after the bank filed it I contacted them and asked them to cancel it but then they took 4 days to get back to me so by that point the other bank was already involved. If chase had just put a stop in there wouldnt be an issue I tried calling them too but their line is disconnected for that service center I also had to have a different one refunded and I lost {$50.00} on it and they havent refunded me Ive tried emailing them both times multiple times and they dont ever respond
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a medical bill previously closed by the original creditor in XX/XX/XXXX. We confirmed the closure with the original creditor in XX/XX/XXXX, with a confirmation  letter dated XX/XX/XXXX. A collection agency seems to have fraudulently purchased the debt. When asking for debt validation from the collection company, none was ever received. Information was sent to Experian for investigation, and twice Experian replied that the debt is " valid '' and " remains '' on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information on my Equifax credit report is incorrect. I sent all documentation required both by fax and mail. My fax was confirmed that it was received. I could not get the issue resolved by the regular Equifax customer representatives. I requested to speak with Supervisor. The supervisor looked into the issue and after a long tedious process stated he updated my information. My birth year was incorrect. When I went to the Equifax online app. I found the information was not updated. Because I had been trying to resolve this four hours. I called the fraud number. I spoke with a supervisor who looked into the matter. He informed me that he was looking at his system and it showed the information was updated. He stated that my birth year was listed as XXXX I informed him that I was currently looking at the Equifax online app and it showed that the my birth year was incorrect. It had it as XXXX. 

These are the problems I encountered.

1. The main system at Equifax does not match the information that is on the Equifax on line app 2. The customers services representative are not able to have access to all the information and changes made by supervisors and as a result is giving the consumer information that is not totally accurate.

3. The verification process should be looked into. Representatives are asking verification question over and over again during the same call. It is not an efficient process and it is actually inhibiting consumers from getting critical information updated that is incorrect on their credit reports. 

In addition XXXX has address and are incorrect. This information does not match the Information that XXXXXXXX XXXX uses. The XXXX XXXXXXXX at XXXXXXXX XXXX told me that they are associated with XXXX. He pulled my credit report and verified the addresses that he showed on file. He went over each one separately. I confirmed the ones he had on his system were correct. When I checked the online Experian account it had addresses with information that were NOT correct there were addresses that the XXXX XXXX XXXXXXXX did not have. This informs me that the information for XXXX across different application and/or business users of XXXX products are NOT consistent. 

XXXX does all application and companies that use XXXX have the same information?
Product: Credit card or prepaid card

hello my credit card company I know is doing illegal activities on my account is " Shop your way '' citi bank card. I have documentation that I have screen shot on my phone from their web site of all the transactions. as of right now they have debited my account {$7500.00} for a clerical error on their part. there is more illegal interaction that has lead up to this point. all of these interaction have taking place within the last 7 days. 

please call me so I can explain in more detail XXXX thank you XXXX XXXX XXXX XXXX