23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$0.00} - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX fl XXXX XXXX You are in Direct Violation of The Fair Credit Act { XXXX XXXX and XXXX XXXX XXXX XXXX  } HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION 602A CLEARLY STATES THAT I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604ASECTION 2 : IT ALSO STATES CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRRITTEN CONSENT.

15 U.S.C 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE REMOVE THESE LATE PAYMENTS AND UPDATE THESE ACCOUNTS IMMEDIATLEY AS YOU ARE IN DIRECT VIOLATION OF SEVERAL LAWS UNDER THE FAIR CREDIT ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for only one credit card by Chase, nowhere does it say that an application demands 2 inquiries for one credit card. And I discovered that I received 2 inquiries on the same day, one on XXXX  and one on XXXX  report. I was granted the credit card but I wish I knew there would be 2 separate inquiries and I wouldn't apply. I called to ask why that happened and they said they can do whatever they want and they don't have any note saying that explicitly and asked me if I want to cancel my card but they can not remove 1 inquiry. It is just not usual to get 2 inquiries by any company so it was so unexpected and I believe it might have been a mistake or if not, they should mention it before someone applies. I am planning to get a car soon so this is highly inconvenient and totally not necessary, if I knew I would definitely go with a different credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was already enrolled in classes for the XXXX XXXX XX/XX/XXXX at the XXXX XXXX XXXX College XXXX XXXX. As a result it was my understating, From Nelnet representative, that if you are enrolled in school loan payments are frozen once you are actively enrolled in college classes. Yet it shows I have late payment form XX/XX/XXXX on my credit score on that student loan account when I was clearly  enrolled in school. This is clearly detrimental to my credit worthiness. There is an attached screen capture show me paying off the remainder of the Bill from the spring XX/XX/XXXX so I can register for the Fall XX/XX/XXXX semester.
Product: Credit card or prepaid card

I made a purchase on XXXX XXXX with my Us bank altitude connect card in early XXXX. My card member agreement says I should get XXXX points for " travel ''. So i called the Bank and asked them to confirm if I would indeed get XXXX points. The representative on the phone said that I would. I made purchases with XXXX XXXX going on the information the rep told me over the phone. After my statement closed, I saw that I only received XXXX points and not XXXX. I called US bank and asked why this was the case around on XX/XX/XXXX. The rep again on the phone told me they are not sure why I didn't receive XXXX and that XXXX travel should have qualified. They said I would receive a letter from a supervisor soon. I got the letter today on XX/XX/XXXX and the letter just says that XXXX XXXX is a travel agency and doesn't count as direct travel purchases. I understand that is their policy, but I feel misled by the US bank reps. If I knew ahead of time that XXXX XXXX would not count, I would have used a different card. But I used my Us bank card because of what the rep told me over the phone. This was a very large purchase and the points are not insignificant.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I noticed that my student refund was sent to an account that I no longer have. 
I attend XXXX XXXX XXXX XXXX. I began looking for my refund only to find out it went to an account I have not used since XXXX. 

Upon my bringing investigation, I was told {$2000.00} went to an account of an old girlfriend. 
We are not on good terms. I immediately called Key Bank to see if my name was listed on her account, and I was told my name was on no accounts, but my ex-girlfriend did receive the money and planned not to return it. 

XXXX sent the money because it was the account I had on file. However, I believed that my account was inactive, and I would have to provide up-to-date information before transferring the funds. 

I have filed a complaint with the XXXX, but I received a message that XXXX is not liable, and neither is KEY Bank if the money is not returned. 
I never authorized the transaction. XXXX states an account becomes dormant after 12 months of activity. This account has been inactive for three years, and their policy states that to reactivate, one must perform a transactional activity. I did not perform such action as I was locked out of the account. 
I did not re-authorize any funds to go into an account with no activity in three years. 

I have visually impaired, and these funds are my only source of income aside from my social security.
Product: Vehicle loan or lease

On XX/XX/XXXX XXXX I refinanced my vehicle through Westlake Financial. In the State of Ohio a company has 30 days to file a lien on a vehicle. After refinancing my vehicle I did not receive a memorandum of title. Eventually the title came after being file XX/XX/2022. The memorandum of title also came directly from WESTLAKE normally it would come from the State of Ohio. Why was the lien file 4months after the paperwork was signed also why does it look different from the original memorandum of title? Please see the attached documents
Product: Checking or savings account

I was supposed to be paid on XX/XX/year>. I have not received my direct deposit. I have bills coming out of my account that will default and cause me late fees and it will also overdraft my account.
Product: Credit reporting or other personal consumer reports

This company is reporting fraudulent inaccurate information on my credit report.
Product: Mortgage

Since transferring my mortgage from XXXX to Select Portfolio Servicing , Inc. XX/XX/XXXX, I can not get SPS to make monthly payments with the " fully amortized '' option. Instead, as interest rates increased, less principle is paid. The monthly amount remained the same. With 12 years remaining on the mortgage, I should be paying increasingly more principle per month. I could be looking at a 6-figure balloon payment in XXXX. 

Around XX/XX/XXXX, when interest rates were going up, I noticed my principal amount going down. The mortgage statement has 4 options : " Minimum '', " Interest Only '', " Fully Amortized '', " Accelerated ''. " Minimum '' and " Accelerated '' have the same principal/interest distribution ; they shouldn't be the same. " interest Only '' is not applicable. " Fully Amortized '' has a higher principle, but it appears to fluctuate slightly from month to month but only between about {$900.00} and {$950.00}. 

I've always paid the " Fully Amortized '' with other servicers, so I called to complain. They said they'd correct the situation, but they simply added a fixed extra principle payment of {$270.00}. I still didn't have the fully amortized payment. 

I called a couple more times over the course of a year, and spoke to a reassuring service representative. Ultimately, unsatisfied I finally wrote and mailed a letter on XX/XX/XXXX. SPS responded in writing, called, and told me that payments were being made with the fully amortized option. 

Looking at my Form 1098 for XXXX, I noticed my principal payment was only {$9400.00}, and my interest paid was {$14000.00}. I will call SPS again about this, but my principle should be lower by now. 

I only have the paper brick version of our original XXXX mortgage from XXXX XXXXXXXX ( acquired by later by XXXX ). I requested any original loan documents and information from Select Portfolio Services , Inc. but have yet to receive them.
Product: Checking or savings account

I have 2 bank accounts with Capital One, one is an individual and the other is a joint with my wife. I had unauthorized charges on my debt card that is linked to my individual account. I called and notified Capital One as soon as I saw these charges on my account. Capital One was not able to resolve the issue within 10 business days and gave be provisional credit while they investigate. I was contacted on XX/XX/XXXX by an investigator regarding the unauthorized charges. He asked if I could file a report with the local authorities. I explained to him that I was in my car and asked if I could do it on Monday when I got back in town. He stated that he really wants me to do it sooner than later. I then told him that I will try to get it down online when I get to where I was going. When I tried to file the report online, it stated that this type of report can not be done online and it has to be done my mail or in person. On Saturday XX/XX/XXXX, I realized that my individual and joint account were both frozen. I called Capital One to find out what is going on and they told me that I have to speak with the representative that put the freeze on my accounts ( this was the representative that I spoke with the day before ). On Monday XX/XX/XXXX I called the representative a number of times and left a number of voicemails. Finally I was able to get ahold of him through a service team member. He said that he has up to 72 hours to call me back but, since he has me on the line he would answer whatever questions that I might have. I ask him about the freeze and he admitted that he did do it. I explained to him that I could not do it online and that I had to either send the form in or do it in person. He then stated that's not what he told me to do. He stated that he told me to do it Friday, which is not correct. I let him know that he can not freeze my funds on my accounts. He said that he will continue to have all of my accounts frozen, including the one with my wife, until the investigation is complete. This violates my rights under the Electronic Fund Transfer Act ( EFTA ). Under EFTA V. Consumer Liability and Error Resolution ( 12 CFR 1005.6, 1005.11 ) it states the process and procedures on how a bank is supposed to act. Capital One is not doing this.
Product: Money transfer, virtual currency, or money service

I placed a transaction to transfer money to XXXX from my XXXX account to a relative in XXXX for family maintenance. After placing the transaction, every XXXX hrs, placid team started sending me emails asking for more and more information. After uploading pictures like DL copy, they texted me that they need more information and I have to call them and provide them more information. I asked them is this information needed by regulatory ( government ) or placid. I asked this question 5 times over XXXX phone calls and each time they responded this information is needed for Placid and not required by regulatory. When I denied additional personal information which is not required by regulatory, they cancelled my transfer without sending any communication. 
My Complaint is with Placid located @ XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX and their website is https : //www.placid.net
Product: Credit card or prepaid card

On XX/XX/2020 I received a welcome letter from XXXX XXXX. That letter mentioned a new credit account opened in my name. However, I have not made any purchases of XXXX equipment nor applied for any financing with XXXX XXXX or any other financial institution in years. I attempted to call ( XXXX ) XXXX phone number, included in the letter, but could not get through. After automated greeting, my calls went to hold, where they remained for over two hours. I have made a few attempts, patiently waiting 2 2 hours on hold each time. On XX/XX/XXXX, I filed a police report for an identity theft case and opened a case on FTCs IdentityTheft.gov site. I have sent a US Certified Mail package to the XXXX XXXX Customer Service address, provided in the welcome package : TD Bank N.A. 
XXXX XXXX XXXX XXXX, NJ, XXXX XXXX Due to the problems with USPS Tracking system during the month of XXXX, I have sent another copy of the package to XXXX XXXX/TD Bank, once again asking them to close the fraudulent account and send me a written confirmation that I am not responsible for charges on this account. I have enclosed all documents available to me at the time to help XXXX XXXXTD Bank to investigate this case. First package was delivered to XXXX XXXX/TD Bank on XX/XX/2020, second copy was delivered on XX/XX/2020. 
I hoped that thanks to my prompt actions, XXXX XXXX/TD Bank could trace the shipping address of the online purchase that was financed in my name, and turn thieves into police custody. 
A week or so later I received a statement, showing an online purchase and financing of 3 ( three ) XXXX cell phones for the total amount {$4000.00}. 
It has been about 4 weeks, since XXXX XXXX/TD Bank received my letter and all supporting documents. For some reason I have not received any response from XXXX XXXX/TD Bank. Reaching their customer service over the phone is not possible. I spent hours and hours on hold trying to reach a representative, with no success. Today I received another statement, showing the original {$4000.00} balance and {$110.00} late fees, so apparently XXXX XXXX/TD Bank is not looking into this case.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a dispute letter to Equifax about negative information reporting on my credit report about these specific accounts XXXX XXXX XXXX BALANCE {$0.00}, XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX {$2.00}, XXXX XXXX XXXX  ACCOUNT CHARGE OFF, XXXXXXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX {$640.00} XXXXXXXX XXXX {$630.00} XXXX XXXX XXXX XXXX {$140.00}, XXXX XXXX XXXXXXXX {$7000.00}, XXXX XXXX XXXX $ {$1500.00} XXXX XXXX XXXX {$720.00}. Under the Fair Credit Reporting Act 15 USC 1681 section 604 A explicitly states that a consumer reporting agency can not disclose an account without my explicit written instructions. Furthermore the provisions within 15 USC 1681 section 602 A affirm my entitlement to privacy. It has come to light that this agency are not in compliance with the guidelines established under the Metro 2 credit reporting framework. I want all these Negative accounts remove off my report, I'm trying to better my quality of life and cant because of this agency unethical tactics.
Product: Credit card or prepaid card

Dear Sir, I have a carecredit issued by Synchrony Bank. 
In XX/XX/2020, there is a card security fee for {$66.00}, I contacted card security in XX/XX/2020 and cancel the services for XXXX and for future charges, because I did not enrolled for this. 

In XXXX I received my statement from Synchrony bank showing there a another fee for XXXX for card security again. I call card security on again and they told me they stop my services for XXXX and XXXX and they issued a credit. 

When when I received my XXXX statement Synchrony Bank I don't see any credit form card services and Synchrony Bank keep charging me a fee for. 
As of XX/XX/XXXX, Synchrony Bank owed my XXXX. 

I tried to reach out to Synchrony bank many time and couldn't reach them. 
Synchrony bank need to credit my account for XXXX and stop billing me for the card security. 

I need help from your agancy to get this done.
Product: Debt collection

XXXX XXXX XXXX has been contacting me regarding an {$1600.00} XXXXXXXX XXXX bill that was settled XX/XX/2017 for the amount of {$1000.00}. The account was settled with XXXX XXXX XXXX now known as radius global solutions. I contacted both companies trying to get a receipt or proof of payment mailed to me I've been told that I will receive something in the mail. I've been waiting for over a year for the proof, the only proof I have is my bank stamen which shows the payment for the amount and the companies name and number. I took the stamen to XXXXXXXX XXXX and they told me that it wasn't enough. I also have my policy numbers so if its possible please help this has caused a negative impact on my credit.
Product: Credit reporting or other personal consumer reports

XXXX XXXX uses FICO XXXX  score. Neither XXXX, Transunion, XXXX, nor MyFICO will provide a FICO XXXX  Score. The bank refuses to give me copy of the FICO XXXX score saying it is illegal for them to provide me a copy of this report showing this score. Decisions are being made about my access to credit, while simultaneously being denied access to this very information. Most customer service personnel at this bank or at ANY of the credit bureaus DO NOT even know or understand what " FICO XXXX  '' is.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX
Product: Debt collection

XXXX/XXXX/XXXX XXXX XXXX referred XXXX bills for services to a collection company, Interstate Collection Inc. After examining the explanation of benefits and speaking to a representative from my health insurance company, it was determined that the dates of service and fees are erroneous. I wrote a letter to the collection company denying bill. I also spoke directly to a customer service representative from XXXX hospital billing office by phone. When I quoted the dates of service and fees listed on bill the representative stated that she did not have that information in the system. Letters and phone conversations have been unsuccessful in getting this matter resolved. This negative information will affect my credit rating and impact the interest rate. 
Listed Below is the bill information Date of service : XXXX/XXXX/XXXX {$180.00} Date of service : XXXX/XXXX/XXXX {$20.00} Date of service : XXXX/XXXX/XXXX {$100.00} Date of service : XXXX/XXXX/XXXX {$170.00} My health insurance company mails me an explanation of payments which listed the fees they pay and the any cost that I am responsible for. I reiterate -- the insurance company has stated that they do not have any information for dates and fees listed above. I am responsible for deductibles and copays.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical bill from XXXX reporting a collection on XXXX of my credit reports. The bill is from the birth of my XXXX in XX/XX/2018. At the time I was admitted into the hospital I was covered under VA insurance for XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also added my XXXX  to my employer 's XXXX plan and it was back-dated to her date of birth. Additionally, I was in bankruptcy at the time of her birth. The collections is under XXXX and XXXX and says the original debt was incurred this year, which it wasn't. This debt should have been disclosed XXXX years ago, but I am just being billed for it this year. All of the previous claims that XXXX has sent me were handled by the VA. I have documentation to prove my claims and somehow the XXXX and XXXX are claiming that the debt is valid and correctly reported.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights. Due to privacy and confidentiality under the law 15 U.S.C 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 ). 

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 ) - States A consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c Section ( a ) ( 5 ) - States no consumer reporting agency may make any consumer report. Containing any of the following items of information. Any other adverse item of information, Other than record of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 Section ( a ) ( 1 ) - States a person shall not furnish any information relating to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To whom it may concern, I applied for a Chase Sapphire XXXX credit card on XX/XX/XXXX. Shortly after, the application was declined, and I called to request a review of the application. On XX/XX/XXXX, I received a call from a supervisor with the same department letting me know that upon reconsideration, the application was approved. I applied for the Chase XXXX credit card on that same day. On XX/XX/XXXX, my Chase Sapphire Preferred credit card account was closed and the pending Chase XXXX credit card application was also declined. I called to request a review, and received a callback from XXXX with the same department on XX/XX/XXXX letting me know the Chase Sapphire Preferred account was reopened, and the Chase XXXX credit card application will be reconsidered. The application was approved shortly after. However, on XX/XX/XXXX, again, my Chase Sapphire Preferred credit card and my Chase XXXX credit card were both closed, with the same set of reasons given as the letter sent to me on XX/XX/XXXX. I requested a review again, and got a call from XXXX on XX/XX/XXXX letting me know the account will remain closed for the same reasons. I called again and was advised that it is highly unusual for accounts to be reviewed again in such a short period of time, and given my circumstances and that both times the reasons given for the account closure are the same, I can not comprehend why the same set of reasons could yield two totally different decisions. I can only imagine that the true reasons may not have been provided. Furthermore, its simply unacceptable from a consumers perspective to be approved a credit card that was closed so soon when my credit information hasnt changed, even though it was cited as the reasoning behind the review. I am writing to request the Executive Office to reinstate my credit card accounts ending in XXXX and XXXX. Thank you.
Product: Credit card

Synchrony bank/Walmart is reporting XXXX different accounts on my credit report, XXXX of which does not belong to me. XXXX account number is listed as XXXX on my credit report, and shows that it was opened XX/XX/2010. The correct account that belongs to me was opened XX/XX/2010 and the account number is XXXX. I disputed this with all XXXX credit bureaus, and nothing was changed. Furthermore, how could I open an account in XX/XX/2010, and turn around and open a new account in XX/XX/2010 when I already had an account?!