23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony Bank - Lowes Credit Card The company does not any longer provide an online statement unless you agree to electronic billing. That 's probably legal. 

The company does not provide a statement of " balance due to avoid interest charges on your next statement '' ( XXXX XXXX does ). They 've argued that is legal and they 're not obligated to provide that information directly. Consumers can calculate the amount by subtracting promotional balances. 

Today I 've been on chat support with Lowes/Synchrony to pay my bill correctly, and so far XXXX agents can not explain what happens when I send in a payment regarding how the payment is applied to promotional balances. Oldest balance first? dunno. Allocated proportionately? dunno. 

The answer offered by each is that it is 'automatic ' and 'by the system '. 
It 's probably disclosed somewhere - but why would n't a full time company representative know this? 

What I was trying to understand is that I had actually zero current activity but there are XXXX separate zero interest promotional balances incurred at different times. Today I was making a payment. My past payments reduced the balance of all promotional purchases but not the oldest first. No one can explain the logic. 

The agents say that they can not explain the allocation but, to their credit for doing their best within their authority, that consumers have to call or chat each month if the consumer wants the payment applied to the oldest balance or in any particular way. 

Could the company comment, is this information correct? 

Why ca n't anyone just explain the payment policy? ... is it too complicated?
Product: Credit card

I had a fraudulent charge on my account and First Tennessee cancelled my card and reissued me a new card. When they did this, they cleared all of my electronic account statements so that I no longer could see my old charges. When I asked about obtaining the statements ( that I never received in paper I do n't think, as they were only provided to me via the site ) that told me I needed to pay {$7.00} per statement. I explained that I still have a credit card account with them and explained why that card had been closed. They advised it made no difference and that I needed to pay the $ XXXX. This does not seem fair, to close an account because of fraudulent charges and then tell me I no longer can access my old statements without paying {$7.00} for each month I need to see.
Product: Vehicle loan or lease

CREDIT ACCEPTANCE CO account with account # XXXX opened on XX/XX/year> and a balance of {$0.00}. I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. Was also discharged through bankrupcty XXXX XXXX
Product: Checking or savings account

OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.
Product: Vehicle loan or lease

Dear CFPB, I am filing this complaint against Gettel Nissan for their failure to deliver on promised products and services, as well as for ongoing issues with my vehicle that remain unresolved despite multiple attempts to address them.

When I purchased my vehicle from Gettel Nissan, I was offered a package of free products valued at {$7500.00}. These products were advertised as part of the sale and were a key factor in my decision to proceed with the purchase. However, upon delivery of the vehicle, these products were not installed as promised. I have contacted the dealership multiple times over the last 120 days, but neither the sales team, service department, nor finance department has taken any meaningful action to resolve this issue. To date, I have not received any response regarding the promised package.

Additionally, the vehicle has had mechanical issues from the day it left the dealership. Specifically, there are persistent noises coming from the front and rear wheels on the right side. The dealership attempted a repair, but the noise continues and has worsened. I have tried to schedule a follow-up appointment, but it has been extremely difficult to secure a timely response from the service department. Meanwhile, the issue persists, making the vehicle increasingly unsafe and uncomfortable to drive.

Gettel Nissan 's actions violate consumer protection laws, including false advertising and failure to provide goods and services as promised. Their negligence in addressing the mechanical issues could also pose safety risks. As a consumer, I believe I am entitled to receive the products promised at the time of purchase and to have my vehicle re
paired promptly and correctly.

I request that the CFPB investigate this matter and assist in holding Gettel Nissan accountable for their breach of contract, poor customer service, and lack of follow-through.
Product: Credit reporting or other personal consumer reports

I'd like to dispute the reporting of a late payment on my credit report.I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. 
According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. Therefore, I kindly request that you update this account to reflect that it has never been late. XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX & XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Experian..I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please this is very exhausting, nobody wants to grant me a loan because of this ... XXXX XXXX  ( Original Creditor : XXXX  ) XXXX, XXXX XXXX   XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXXXXXX XXXX XXXX XXXX I was expected to receive a {$20.00} payment but it never came. went to go check to see if it was in my account and it wasnt. then the person who sent me the money had an email that stated it would then be received on the XXXX XXXX XXXX. I got SMS messages stating that the person sent me the payment but it never came through in my bank. In my bank account it shows no pending payments or anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I disputed 2 accounts with each credit bureau on my credit report that both accounts addresses were wrong on my report. The letters were returned back to me they were not deliverable. I sent each credit bureau a copy of the return letters with a copy of the Postal Service tracking system that states the address is no longer valid. This is an error on my credit report, therefore according to FCRA Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher knows or has reasonable cause to believe that the information is inaccurate. Given that the furnisher has provided false information on my credit report both accounts should be removed.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA XXXX Code XXXX since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX Bank account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Money transfer, virtual currency, or money service

They had no phone number or ability to speak to anyone about it. No live agents no ability to text anyone
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I noticed there are multiple duplicate inquires on my credit report that is driving my credit score down. It says there are XXXX inquires on my credit report and that should not be the case. Please remove the following inquires as they are duplicates that I did not authorize. Its against the Fair Credit Act for someone to pull your credit without authorization. 

XXXX XXXX is on my credit report over 10 times and they were only authorized to pull my credit report once, I did not authorize XXXX XXXX to pull my credit report, XXXX is on my credit report twice and I only authorized them to pull it once, I did not authorize XXXX XXXX  to pull my credit report, XXXX XXXX  is on my credit report 3 times and I only authorized them to pull my credit report once, XXXX XXXX  is on my credit report 7 times and I only authorized them to pull the report once, XXXX XXXX is on my credit report 3 times and I only authorized them to pull my report once, I never authorized XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, or XXXX  to pull my credit. 

Anything marked with an asterisk *** should be removed. If someone can assist me in removing these unauthorized inquires and duplicates from my credit report I would greatly appreciate it. 

XXXX XXXX*** XX/XX/XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report is showing unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese unauthorized inquiries has affected my credit profile in a negative way, under the FCRA specifically U.S Code 1681 ( n ) I am entitled to protection against any unauthorized use of my personal information including inquiries into my credit report without my explicit permission. Pursuant to 15 USC 1681 section 602 states I have a right to privacy which has been violated. These unauthorized inquiries needs to be removed immediately.
Product: Vehicle loan or lease

I applied for my SCRA Benefits for XXXX XXXX XXXX. The Company informed me via phone, that my APR rate would be lowered from at 4.77 % to a 3 % due to the SCRA benefits. However, that never happened. I have been reaching out to this company for over an year now, still no valid response. The only thing I am being told is that the system is down, so they can not apply the SCRA benefits to my account. I paid the car off last XX/XX/2020, and initiated my SCRA benefits with XXXX XX/XX/2020. 

I did not receive anything in writing from this Company, I requested numerous of time and never received anything. 

I do have emails I sent them with my requiring documents, as well as follow up emails tracking the status of my SCRA benefits. 

I was also informed that I couldn't talk directly to their SCRA department, so I was only able to talk to supervisors and they would email the SCRA department directly or provide me with their email, which I have emailed them numerous of time as mentioned.
Product: Debt collection

Debt Recovery Solutions , LLC indicated on my credit report that I owed them {$150.00} for a debt that was not mine. I suspect that the debt is my son 's because he has the same name and when I called them I confirmed that fact and asked that they remove the collection from my credit report. I was told they could not so when I asked to speak to a supervisor I was told to hold and after 20 minutes I was told I would receive a call back. That was at XXXX so when I did not receive a call back by XXXX I called back and was told that they returned all calls by XXXX same business day. I had not received a call back by XXXX so I called back again and was laughed at by the gentleman that answered my call who said that it was 10 minutes until closing and they had 48 hours to call me back, The next day I received a call at XXXX from somebody who refused to spell her name who literally bitched me out and threatened to hang up every other sentence and racially harassed me until I hung up on her. This is not my debt and I am suffering from a decreased credit score as a result of this company not doing their due diligence to ensure they are attacking the credit report of the correct person by either checking the SSN or date of birth of the party before they arbitrarily put a black mark on somebodies credit report and I demand somebody from our governing authority do something about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

OneMain is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, one main still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, account which was involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. The following account need to be blocked or removed from my report. Please see this matter is attended to with the utmost urgency. XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I directly disputed these accounts through Experian. 
XXXXXXXX XXXX XXXX {$11000.00} XX/XX/XXXX XXXX XXXX XXXX {$530.00} XX/XX/XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have marvelous been improving my credit score over XXXX past in six months, only to find out that I have been screaming to remove XXXX XXXX vehicle loan on a XXXX XXXX XXXX, from a XXXX XXXX XXXX XXXXXXXX, no fault of mines! XXXX XXXX paid out covering me till defendant paid! But, Gap company breached contract never paid, but XXXX contacted me for a settlement program followed my half-payment as settled but, never mailed me out the 1099-C form for my taxes, they have recorded but has denied me access for some time, violating my rights! I'm requesting a full deletion of the charge off, removed from the following : XXXX, Experian, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX and requesting compensation for all the high interest rates of 26 % and principal balances plus 2 cars XXXX XXXX XXXX, XXXX that broke down in 6months ( stoped running ) and 2nd vehicles XXXX XXXX XXXX, same thg ( discontinued in the USA ) brokes down daily as a result of the charge-off causing me heartache, headache and definitely lose of income struggling to pay bills. I have spent hours on the phone w XXXXXXXX XXXX  esp this pass Monday XX/XX/XXXX while a the dealership trying to purchase a new car again within the last 2yrs, as a result of higher interest rates and lower credit score @ I have the internal setup within the Chase banking System causes lazy employees not to serve the general public in a way that helps to be successful! Several ppl, working on their Credit Specialty team, XXXX XXXX XXXX, Total Loss team, Bankruptcy team, they love transfer my calls around and around in circles.
Product: Checking or savings account

Citibank closed my checking and savings accounts due to XXXX issues. I contacted them to resolve the issue and provided all the information they needed, however my accounts still remain frozen and closed, and autodebits for my bills continue to be rejected, resulting in both fees from the bank as well as the billers. I have tried to call the XXXX XXXX XXXX and have even visited the branch but they have not re-opened my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are XXXX inquiries on my credit report from credco which I did n't authorize. I do n't know what credco is or what its for.
Product: Money transfer, virtual currency, or money service

I had catch app issues with money being taken out my account I would try to reach out for assistance not once did I ever get help they gave a fake customer service number and I never found out who the customer service person was and Im sure they stole my information thats not legal and I want all my money back that they stole I still have not been able to contact them
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MoneyLion is a financial technology company, XXXX XXXX XXXX XXXX XXXX XXXX, Member FDIC. 


I HAVE A ISSUE MONEY LION SAID THEY FOUND NO ERRORS LIKE OF COURSE MY BANK WOULDNT SEE WHATS WRONG I WENT ON XXXX XXXX TO REQUEST A HOTEL FOR ME AND MY WIFE HONEYMOON BUT WHEN I GOT THE HOTEL THEY ASK ME FOR MY ID WHICH I FORGOT AT HOME THEY TOLD ME I COULD COME BACK WITH THE ID AND CHECK IN AND I TOLD NO THX I WANT A REFUND THEY SAID DUE TO THEIR POILCY THEY CANT ISSUE A REFUND EVEN THOE I HAVENT CHECKED WHICH I USE XXXX XXXX SO I COULD CANCEL MY Reservation. AT ANYTIME SO I CONTACTED CUSTOMER SUPPORT TO WHICH EVEN THOE I HAVE THE CANCELLATION FOR REFUND FOR ANY REASON THEY COULDNT ISSUE A REFUND ANF THE HOTEL TOLD ME I HAVE TO TALK TO THE BANK FOR A REFUND SO I SUBMITTED A DISPUTE SENSE I DIDNT GET MY MONEY BACK AND WAS LIED TO AND DIDNT GET MY HOTEL ROOM AT ALL I WAITED 3 MONTHS FOR THE DISPUTE TO BE COMPLETED TO GET MY MONEY BACK BUT TO MY SUPRISE MY BANK WHICH IS MONEYLION DECIDED DENY MY DISPUTE SAYING NO ERROR HAS OCCURRED IMAGINE IF YOU WERE IN MY SITUATION AND YOU LOSS EVERYTHING TO YOU WOULD BE XXXX XXXX TO I SAVE UP THAT MONEY FOR ME AND MY WIFE HOTEL FOR THE HONEYMOON AFTER THE WEDDING WE HAD TO WHERE WE WERE LIED TO BY XXXX XXXX REJECTED A ROOM SENSE WE DIDNT HAVE A ID and FOR MY BANK TO REJECT MY REFUND REQUEST LIKE HOW IS THIS EVEN OKAY AT ALL IF YALL EVEN HAVE A HEART YOU WOULD APPROVE MY request i WORKED HARD FOR MONEY LIVING PAYCHECK TO PAYCHECK ONLY WORKING FOR A FEW HOURS TO MAKE A LIVING AND STUFF ITS NOT FAIR THAT THE HOTEL GOT TO KEEP MY DEPOSIT AND XXXX XXXX LYING THEY NEVER TOLD ME ANYTHING ABOUT WHEN THE TIME REACH XXXX the cancel for any reason is no longer available they had me on long waiting time to reach customer support 5 hours and came up with Alot XXXX  excuse and my bank refuses to see anything wrong I want my bank to issue me my dispute of {$110.00} back to me
Product: Debt collection

I keep receiving calls from a debt collection agency asking to speak to someone I have never heard of before. I told them the number they are calling is my cell phone number and I do not know the individual they are looking for. I requested they stop calling me ; however, they have continued to call me multiple times. The number I received calls from is ( XXXX ) XXXX.
Product: Vehicle loan or lease

I have a lot of problems with my Ally Account. Ally claims that I owe them currently an overdue amount of {$1600.00} for missing only one month of payment. My monthly payment is {$620.00}. I pay through my XXXX Checking account, in which this account has been previously blocked by Ally to make payments to. It took me months to get through to clear that up due to unprofessional representatives and unknowledgeable representatives. I am currently on hold making my last attempt at speaking to a representative to come to some resolution on my car payment. They post all over the place that if a person needs help due to circumstances like reduced pay, which is my current situation. I have asked for loan refinance and loan extension, I am told by representatives that there are no options for me. This is HIGHLY DISCRIMINITIVE AND IMMORAL BUSINESS PRACTICES. Please investigate and help.