23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a complaint against XXXX ( acquired by XXXX XXXX ) and Synchrony Bank regarding deceptive practices, failure to provide refunds, and refusal to address safety concerns related to XXXX 's aligner program. 
XXXX marketed its aligner program as requiring oversight by licensed dentists who would review dental records and ensure personalized treatment plans. However, in XX/XX/scrub> 2024, XXXX issued a Field Safety Notification admitting flaws in its patient onboarding workflow, revealing that its process failed to adequately screen contraindicated patients. 
After the XXXX notification, XXXX required me to sign an acknowledgment form to proceed with refund discussions, despite my inability to find a local dentist willing to sign off. After signing, both XXXX and Synchrony Bank refused a refund, citing the lack of a dentist 's sign-off, even though I withdrew my child from treatment due to safety concerns and the XXXXXX/XX/XXXX findings. In addition, we had not received the remaining aligners in her treatment plan due to not being able to obtain a dentist sign off. Synchrony Bank, which extended credit for the treatment, refused to investigate or refund payments despite evidence of XXXXXX/XX/XXXX deceptive practices and the XXXXXX/XX/XXXXs safety warnings
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this complaint is because I tried to work it out with the bureaus, and they are still not complying. I requested a debt validation letter from XXXX and the agency reporting these false misleading inaccurate accounts XXXX Bank of America and XXXX ) nothing has been done to try and correct their inaccurate reporting. I specifically want them to send the application or contract used to open these accounts bearing my signature because that is my right as a consumer. I sent letters to XXXX the XX/XX/2022 and we are in XXXX the XXXX, and nothing has been done and I have not heard from XXXX, XXXX or Bank of American yet regarding this matter which makes me assume they can't validate this debt which is supposed to be removed. The only thing I received from XXXX was a letter saying they updated my accounts. These creditors are reporting without my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern My name is XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature. I formally request that these fraudulent inquires be immediately deleted from the credit file that you maintain under my social security number. While checking my most recent credit report I noticed several credit inquiries that I did not authorize, made by the following companies listed below. I am writing to provide proof of me filing an FTC and a CFPB complaint in order to have all inquiries removed from my credit Report due to fraud. I have listed all accounts below. They were placed on my credit report starting dates on XX/XX/XXXX and XXXXXXXX XXXX with some duplicates on the same dates. I thank you in advance for your cooperation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX BANK XXXX XXXX XXXX
Product: Debt collection

Received letters from XXXX XXXX XXXX twice since 2018. I contacted them with question about the debt/delinquent account, and why it pertained to myself. My father and grandmother purchased a vehicle through a local dealer. On the letter from collection is reference from the dealer to myself with an outrageous balance that is false and also doesn't involve me. They give no information in why they're collecting this debt and also no reason given about such.
Product: Credit reporting or other personal consumer reports

The negative rating on my account is a source of great XXXX  for me. I'm extremely concerned about how it may affect my creditworthiness. This rating has already led to a rejected loan application and higher interest rates on my current credit accounts. I can not overstate the financial hardship and emotional strain this unfavorable rating has caused and will continue to cause until it's addressed.
Product: Money transfer, virtual currency, or money service

Offending company : CashApp, Subsidiary of Square , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Website : cash.app Transaction Date : XX/XX/2020 Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Bad/ potentially illegal business practices I transferred money into my CashApp account so that I could then transfer it into another one of my accounts that for some reason can't link to the originating account no matter how many times I tried, and CashApp had no problem taking my money and then decided it was suspicious activity after taking my money and is now withholding it. There is no phone number that I can call, and they are not responding to emails even though their website says they respond within 24 hours. Their website even explicitly states that there is no phone number that can be used to speak with support. The only email 's that I have gotten from them thus far ( I've sent around 10 e-mails ) as a response indicates that they might hold my money for up to 45 days, which they said after already holding my money for 10 days. There is nothing suspicious about the transaction. Both accounts are in my name, and they have no reason to be doing this. I simply don't understand how this is legal. It is royally XXXX me over. I'm going to have to pay late fees and interest because I can't pay my bills because of this. This is apparently a fairly common occurrence with cash app according to other complaints I've read, which is why I'm reaching out and I've also brought this to the Florida Attorney General 's office attention because this is not okay for regular business practice. They are holding my money, and I guarantee making interest on it while I have to pay fees because I can't access my money. It's nothing short of criminal. They are ruining my credit. I desperately need MY MONEY.
Product: Credit reporting or other personal consumer reports

The last verified, date open, closed date, creditor type, payment frequency, the comments and remarks are being reported incorrectly. please removed this damaging information from my report. 
Account status XXXX show Derogatory, Experian, and XXXX shows paid. 
Also date opened XXXX show XX/XX/XXXXXXXX Experian XX/XX/XXXX. And XXXXXXXX XXXX 
Last Reported XXXX shows XX/XX/XXXX, Experian XX/XX/XXXX and XXXX show XX/XX/XXXX. 

Comments : XXXX stated Settled- less than full balance. 
Comments : Experian Account legally paid in full for less than the full balance. 
Comments : XXXX : Settlement accepted on this account or paid account/zero balance. 

Im requesting that this account be removed from all 3 Credit reporting agency. Please investigate this account! I know if it is not reporting correctly this needs to be deleted off my report Sincerely XXXX XXXX XXXX
Product: Student loan

On XX/XX/XXXX, I properly submitted my request to transfer to the new SAVE IBR plan for student loan repayment through the federal student aid website ( which I was directed to by Nelnet 's website. ) On XX/XX/XXXX, the federal student aid website reports that my application was processed. The same document states that Nelnet processed the request on XX/XX/XXXX. 

On XX/XX/XXXX, I logged into Nelnet to confirm my payment was reduced. ( Originally it was set to be {$330.00} in XXXX, the federal IBR calculation placed my obligation at {$54.00}. ) Nelnet has my payment at {$330.00}, still. I called them to find out what was happening on XX/XX/XXXX. While I was on the phone, after I entered by loan information, I received an email stating that my IBR application was in process and that I would be updated in 10 days with another email, regardless. 

It is now XX/XX/XXXX and ( 1 ) I have not received an update email on whether the IBR plan was processed, ( 2 ) I have attempted to call for an update but have remained on hold for ( so far ) 1 hour and 40 minutes ( and counting ), and ( 3 ) the Nelnet site still has my obligation at {$330.00}, due in two weeks. 

I am exasperated by this process and there is no way I can afford that payment. Please help. 

For reference, my student loans are under my maiden name ( XXXX XXXX ), my loan number through Nelnet is XXXX, and the last 4 of my SSN are XXXX. My current legal name is XXXX XXXX XXXX XXXX.
Product: Mortgage

My home in XXXX XXXX Florida was declared a disaster area after Hurricane Irma. As such I was able to take a 90 day forbearance and was explicitly told by the lender, Ditech, that I would have no negative marks made against my credit. During the forbearance I sold the home and the mortgage was paid off in its entirety on XX/XX/2018. I entered into contract on a new home purchase today and when my credit was examine my score had dropped from XXXX to XXXX. The very same day I went under contract Ditech reported I was 90 days delinquent on the account. I am now unable to find the loan due to the huge impact their mistake had on my credit. PLEASE HELP!
Product: Credit reporting or other personal consumer reports

My Experian, XXXX and XXXX reports show ( 2 ) address that are incorrect : 1. XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX 2. XXXX XXXX XXXX, XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my report, Where not authorized By Myself.
Product: Credit card or prepaid card

I had my Discover credit card stolen during holiday season. The first charges beginning on XXXX XXXX  of XXXX. During a 2 week span over 3,000 dollars was taken off of the card. Once I received notification that some charges were suspicious, I went online ( after having to reset my password because I could not login ) and froze my card and reported it lost/stolen. I was unde the assumption that once I report the card loss/stolen the company would reach out to me. After a couple of days of not hearing from them, I chatted with customer service which told me I needed to call fraud protection. I called and reported what happened and later agreed to signing a form to consent to investigation and to contact the police. I signed the form sent it in. I spoke with the police they said that due to the holidays and the crowds it would be difficult to track down the exact person and it would take time. Fast forward to XX/XX/XXXX I received a letter saying there wasnt any fraudulent activity. I spoke with a lady on the investigation team is saying it has to b someone close to me and is pushing me to press charges even after I told her there is no one that admitted to doing anything. She is saying that that is the only way that I would avoid having to pay the card back. Theyre not wanting understand my case because of the amount. I dont know who did this to me and I may never know but I dont want to be held responsible for something I did not do! Please help!
Product: Mortgage

I am concerned about the method of collections. In the past week, I have received calls after XXXX p.m., received XXXX calls within XXXX seconds where they hang up every time I answer, and was left a voicemail where the agent was clearly on a personal call.
Product: Debt collection

I received a letter in the mail on XX/XX/2020 informing me that I {$960.00} to XXXX XXXX XXXX XXXX I have never used a XXXX account so I have no idea where this notice is coming from or how I would owe them that much money. I am not even sure where this came from because the letter was addressed to me using my maiden name and I have been married for over two years now and do not use my maiden name for anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 4 years now my credit reporting is XXXX up. My bankruptcy fell off my credit last year. I am still currently a victim of identity theft. The IRS is still doing an investigation currently. I'm a victim of XXXX XXXXXXXX. Whoever took my identity tried to set me on XXXX some months ago. I just got out the hospital a few months ago with nothing resolved.
Product: Credit card or prepaid card

I was advised by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, that there was suspicious activity on an XXXX XXXX XXXX MasterCard opened in my name. The account was opened fraudulently on or about XX/XX/2018 in XXXX XXXX, FL, probably in an XXXX XXXX store. 
I called XXXX immediately XX/XX/2018, on receiving their letter and spoke to XXXX ( ID # XXXX ) in their Account Protections department. He agreed to terminate the card and set aside the {$490.00} charges made on the account. He said he would send me a " Statement of Fraud Forgery '' affidavit form to complete and return. Not received as yet. 
I filed an Identity Theft Report, number XXXX. 
I filed a report with the local police I placed a 90 day Fraud Alert with credit bureaus on XX/XX/XXXX I mailed a " Disputed Account - Notice to Furnisher '' letter to XXXX on XX/XX/XXXX. 
I filed a dispute request with XXXX  on XX/XX/XXXX. Only Credit Bureau showing account so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a certified letter with return receipt to XXXX XXXX on XXXX19 with an enclosed check for the full amount allegedly owed. Stating : " Enclosed is a check for the alleged balance for the above-mentioned account # XXXX for {$1900.00}. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 
Upon cashing this check you have 30-days to comply with the above. 
Notice to principal is notice to agent, notice to agent is notice to principal. '' On XXXX19 XXXX XXXX received the letter, and cashed the check on XXXX19. The account has still not been removed my credit file even after XXXX XXXX received my letter/contract where it stated upon cashing the check, that they agree to the terms in the contract. I then sent another letter to them with a photocopy of the first letter/contract and the check. Stating : " Since you have cashed the check you have violated the terms of the contract by not settling the account as paid in full, and also by not removing any and all derogatory reporting from all credit bureaus including but not limited to XXXX, XXXX & TransUnion. By dishonoring the contract and violating the terms, you have agreed to compensate me in the amount deemed reasonable by the court, and the agreement is a Cognitive Contract, where you also agreed to Summary Judgment against you. '' On an updated report it still shows Failed to Pay.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> and XX/XX/year> Payments never late! 
They did not make adjustments I've reported to the credit bureau and they did not update the account National credit systems {$6300.00} Account not mines! This was uploaded to XXXX multiple times it clearly states from a judge that I am not a named party
Product: Checking or savings account

I've have a chime banking account open since year XXXX the year of XXXX chime banking closed my account due to identification verification upon me sending them the identification documents they year of XXXX they have not reopen my account even though I've sent them identification documents numerous times.
Product: Checking or savings account

Please refund {$310.00} in overdraft fees over the last couple days. 

Very sad and disappointed I always have to go through this channel to receive a response from you. 

Thank you.
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681 b ( 2 ) and FCRA section 605B it is illegal to report anything on my credit report without my permission. Please remove this XXXX  XXXX XXXX XXXX XX/XX/year>2022 XXXX XXXX  XXXX XX/XX/year>2022 XXXX XXXX XXXX XXXX/XXXX/2022 XXXX XXXX  XXXX XX/XX/scrub>/2022. Also keep in mind that you are required to delete this no later than 4 days after you receive this dispute from me. 

Failure to respond with deletion of the above reference account and sent out a free copy of my report actor. The changes have been made will result in legal actions being taken against your company for which I will also be seeking XXXX per violation for defamation of character negligent enablement of identity fraud section 605B of the fair credit reporting act
Product: Mortgage

MY CURRENT ISSUE WAS NOT LISTED IN CHECK BOX. SEE BELOW. 
As I continue to research and telephone agencies to confirm information on website under legal. I have discovered that current mortgage servicer do not have license to operate in Alabama. Their website is misleading. I have requested for the company to provide proof of license to operate in the state where they are collecting. 

A complaint has been submitted to the State XXXX XXXX STATE BANKING DEPARTMENT regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unauthorized mortgage servicing activities in Alabama. 

This is being hardship on me as well as my family.
Product: Credit card or prepaid card

I contacted capital one back in XX/XX/XXXX during the government shutdown, i was placed into a program that reduced my interest rate for 3 months, then they took me off plan, when i was thinking I was in a hardship program, now they won't put me back because I don't quality. I contacted them, spoke to 3 people, the last one being the manager who gave me same information. Previous 2 supervisors I spoke to were very rude and spoke to me in a very condescendant as if they were superior then I was. I think this company is getting richer by taking people 's money but won't let them anymore since i plan to default on the card so that I can pay it off.
Product: Credit card or prepaid card

Consumers need to be protected against the lack of transparency by Capitol One, XXXX XXXX XXXX, XXXX UT XXXX for the following : Unlike other major credit cards firms such as XXXX, XXXX, etc : Capitol One refuses to print on cardholder 's statements the expiration date of the promotion offer ( s ) that are in effect. Moreover, this expiration information can not be found on any online account. 

Their customer service supervisor makes no apologies for this lack of transparency and informs cardholders that expiration dates of accepted offer ( s ) was mailed in the initial " Welcome Package ''. 

This unfair policy by Capitol One is merely to keep the cardholder off-guard to the upcoming higher interest rates which is also unlisted. 

Capitol One must be forced to be more transparent to their cardholders.
Product: Mortgage

I completed a full documentation refinance transaction with XXXX XXXX XXXX   thru a broker named XXXX XXXX signing closing documents on XX/XX/XXXX. My previous loan was held with XXXX and the new transaction was originated thru XXXX ... additionally my current loan was kept and is serviced by XXXX. I was approved to close in mid XXXX and completed the closing without issue on XX/XX/XXXX with a guarantee to fund before the end of the month. My XXXX payment was outstanding, and I followed up with XXXX and my broker multiple times to ensure that it did not need to be paid. I was assured that the funding of the loan would occur in XXXX and that the payment was included in the payoff of the old loan. Additionally, XXXX waived a late fee proving that this was in fact made note of in their system. I followed up on the funding of the loan daily, and was assured on XX/XX/XXXX that the loan was funded and satisfied. It was not until XX/XX/XXXX that I realized that the entire time XXXX had reported me 30 days late regardless of the aforementioned facts. The entire time I had the money to make the payment as scheduled and was told not to make it by both the broker and XXXX. It has drastically reduced both myself and my wife 's credit score. We could not take advantage of multiple rewards offers for credit and we can't refinance to obtain the currently low interest rates. Prior to this we had a perfect payment record and our scores were almost 800. Please help.
Product: Credit card

A drive by merchant stopped and asked if I would like some pine straw installed for {$6.00} per bale, I told them ok just keep it under XXXX bales, being I was just refreshing the front yard. They installed XXXX bales for {$160.00}, I paid with a citi costco card, they ran it on their phone and left, when the credit card statement arrived I had been charged {$2800.00}. I immediately called the company ( XXXXXXXX XXXX XXXX, no answer, filed a dispute online with citi costco, went to XXXX XXXXXXXX store to fax/email receipt, couple weeks later they denied my claim saying they did not receive my receipt, asked them if I could send again, called them a couple days later and they said they had received it and would reopen, couple weeks later, denied due to no receipt, I don't know what else to do, we are retired and live on a fixed income, {$2600.00} is a lot of money, thanks
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$380.00} XX/XX/year> 15 U.S.C, 1681section 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. 15 U.S.C 1681c ( a ) ( 5 ) Section 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.