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

On XX/XX/2021, I called Amazon/Synchrony Bank at XXXX to pay off my promotional balances, as per the instructions on my account statement. The representative I spoke to was happy to help me. She told me that I could make a payment with her, at no cost, to completely pay off my promotional balances. She calculated the total amount needed to pay off my promotional balances and I provided her with my payment account information. She told me that she was allocating the payment as we were on the phone. I was happy. 
Then I got my statement and it indicated that the promotional balances had not been paid off. I called the same number on XX/XX/2021, and was told that the payment had not been allocated to the promotional balances. That representative said I would have needed to change how payments were allocated, via the website, prior to making my payment and that they couldn't do that for me at the customer service number ( even though my statement said to call customer service if I wanted to pay off my promotional balances ). I pointed out that taking my money and lying about how it would be applied is fraudulent and he agreed to submit a request for reallocation of the payment. He said it should be resolved in 5-7 days. 
Tonight I called back in and was told that they did not reallocate my payment, they refused to confirm whether any request had been made to do so. They will not apply my payment to my promotional balances. They further stated that the only way I can pay off my promotional balances is to pay off my entire non-promotional balance first. This is also a lie because I learned from my call on the XXXX that I can change the settings online to allow my payment to be applied to the promotional balance. 
As of tonight, I have requested the return of the funds I paid to be used to pay off my promotional balance. I specifically requested that they DO NOT return the amount I paid for my minimum payment due. My intention is to take those funds ( if I get them ), change the settings online, and then resubmit the funds to pay off my minimum balance. 
Based on the lies that I have been told so far, I am afraid that the request for the return of my funds was not really submitted and when I call back next week, there will be a new set of " facts '' to keep me from being able to pay off my promotional balances. Dealing with the lies is so stressful and frustrating. If I had been told the truth from the start I could have easily taken care of this and moved on with my life, instead of wasting hours of my time calling repeatedly, doggedly arguing the point to try and get Synchrony Bank to allocate my money the way I was told it would be allocated when I called the number my statement told me to call, and now filing a complaint with the CFPB. 
I should not have to do this. Companies should not be allowed to just lie to their customers, take their money, not do what they said they were going to do, and get away with it. This must be fraudulent and they should be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS HAVE VIOLATED MY RIGHTS : XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$130.00} XXXX {$71.00} XXXX {$140.00} XXXX {$150.00} XXXX {$150.00} XXXX {$210.00} XXXX {$65.00} XXXX {$150.00} XXXX {$150.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXXXXXX {$940.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$3200.00} 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Submitted to have inquires removed by certify mail and got no response
Product: Mortgage

We fell behind on our mortgage a while back, the company we originally signed with, XXXX XXXX Loans, sold to Bayview Loan Servicing and we did not get informed of this as it was happening but rather thru the bill. Life happened around us, our oldest daughter had a XXXX that resulted with XXXX her mom. This daughter kept us occupied along with my own struggle of XXXX and my husband working XXXX jobs to try making ends meet. We did n't and fell further behind. We were approved with a XXXX program, but the 3rd month a submitted payment a couple days too late. We reapplied, over and over and over. Each time we were given hope it would be approved due to our medical hardship. This has dragged on For nearly 5 years. They delay with several letters at once, each contradicting themselves, even a lawyer looked over our papers and said as much. She of course told us we have a lawsuit against them. We just want to make our mortgage right and keep our home. Of course with " bad credit '' we ca n't get a loan to pay our past due balance and the mortgage company has put us off for so long we are in a foreclosure process. Again, we desperately want to keep our home and looking for answers to do so.
Product: Debt collection

I paid a debt to the collection agency Procollect in full and was sent a letter of confirmation. I dont recall who I spoke with but they said the debt would be removed from my report after payment. It has been several months and debt is still on report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumers reports and noticed that I had a late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that I have included screenshot inside this complaint on dates of XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attachment.
Product: Checking or savings account

XXXX XXXXXXXX thru XXXX activity and XXXX to transfer chime I have no active chime account or transfer activity and we see transfer activity via XXXX XXXX  checking transfer without my permission Absolutely fraudulent activity. And enclosed pic shot and actual transaction report to XXXX XXXXXXXX bank he denied due transaction Is not my authorized transfer chime Is fake and fraud action required by XXXX XXXX and chime play me fraud active transfer XXXX chime
Product: Credit card or prepaid card

Claim Number : XXXX is not being acted on for 3 months and I am asked for the same paperwork over and over. The company is a fraud and lies to customers at every turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am aware that my rights have been violated. These accounts have invalid information and these companies refuse to follow the laws. I need help with these accounts being removed from all 3 of my credit reports. 

In accordance with the Fair Credit Reporting ActXXXX XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX DP OF EDUC Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Untitled { , Collection/Chargeoff, Medical Subject has not satisfied debt. } Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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: Checking or savings account

I signed up with a company to help me consolidate my debt and they went into bankruptcy and they didnt do anything for me and they got {$1400.00} of my money so I didnt pay any bills miss my credit up and I got behind on everything and now my credit score is low could be and Im out my {$1400.00}
Product: Payday loan, title loan, or personal loan

Im not sure why my complaint was closed when I have 60 days to respond that's not professional at all. OneMain continues to persist that they aren't governed by federal law which is not true at all. OneMain never explained to me what how they came up with the finance charge in our agreement. Not only that but I also read that the finance charge is the sum of all charges, so how would I be paying anything more than that? I also understand that OneMain is supposed to tell me about my right to rescind this transaction and Never did. None of these right were clearly and conspicuously disclosed to me. This whole transaction is unlawful.
Product: Credit reporting, credit repair services, 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 to privacy and confidentiality under 15 USC 1681. 
wrong spelling of last name. 
NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOFT INQUIRIES Date Company Request Originator Description XX/XX/XXXX XXXX XXXX, XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXXXXXX XXXX XXXX  XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Direct to Consumer Report XX/XX/XXXX XXXX XXXX XXXX Account Review Inquiry XX/XX/XXXX XXXX  XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XX/XX/XXXX XXXX XXXX ID Report XXXX XXXX | XX/XX/XXXX Page 39 of 46 XX/XX/XXXX EQUIFAX XXXX XXXX Direct to Consumer Report XX/XX/XXXX EQUIFAX XXXX XXXX  Direct to Consumer Report XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX EQUIFAX UPDATE Automated Consumer Interview System XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX EQUIFAX XXXX XXXX Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX INFORMATION SVCS Automated Consumer Interview XXXX XX/XX/XXXX EQUIFAX Automated Consumer Interview System XX/XX/XXXX XXXX XXXX Credit Report XX/XX/XXXX XXXX, XXXX Account XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Prequalification for Installment ( not Mortgage, Auto, Home Equity ) XXXX XXXX, XXXX XXXX  Credit Report XX/XX/XXXX XXXX XXXX Prequalification for Credit Card XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Report XX/XX/XXXX XXXX XXXX Direct to Consumer Report has violated my rights.

15 U.S.C 1685 section 602 A. States i have the right to privacy.

15 U.S.C 1685 section 602 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1685c. ( a ) ( 5 ) Section States : no consumer reporting Agency may make any consumer report containing any of the following item of information Any other adverse of information, other 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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to belive that th information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX criminal XXXX  institution did fraud and identity deft on my name. And possibly shared with that XXXX  and unknowing XXXX, XXXX, transunion. This four criminal companies are holding my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked several times via fax, email and in writing for Equifax to remove a fraud alert off my credit report and update my address and basic information and they have refused. Its been over 6 months trying to fix this with them. Also, my account is locked and so is my credit.
Product: Credit card or prepaid card

On XXXX 2022 my prepaid card account was closed by the card company without notifying me of closure. Before closure of prepaid account on XX/XX/2022 requested a dispute of a transaction error of {$140.00} from merchant XXXX XXXX XXXX in which the prepaid card company provided a provisional credit. Waited 10 business days for an update from Netspend prepaid card company which was on XX/XX/2022 of a credit refund to the card account in the amount of {$140.00} via check. as 5 business days passed failure to receive the return of funds from closed account in the amount of {$140.00} from Netspend. Called numerous times regarding of not receiving the check by mail via USPS, they have given me different information regarding my check of return funds. It has passed 10 business days and still no refund check from Netspend and they fail to assist me due to closure of card account.
Product: Credit reporting or other personal consumer reports

I am appalled by the lack of responsibility on your behalf. When is the XXXX, Experian, and XXXX going to fix all the erroneous information on my personal credit file? For the past months my requests have been overlooked. Discontinue the stall tactics and please repair the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If your investigation can not confirm the accuracy of the information I believe to be incorrect, please rectify the issue immediately. Additionally, please provide a description of the procedure used to determine the accuracy and completeness of the information to my address provided.
Product: Mortgage

Dear Sir, I am writing to you because I have been over charged by SLS. I have tried to solve the problem directly with SLS and they are intentionally refusing to solve my problem I am demanding that they fix the following incorrect charges immediately. 
1. I should have not been charged for attorney fees for late payments due to California Homeowners Bill of Rights. 
" Restriction on dual track foreclosure : Mortgage servicers are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. When a homeowner completes an application for a loan modification, the Foreclosure process is essentially paused until the complete application has been fully reviewed. '' I sent the last completed loan Modification application to XXXX my previous servicer on XXXX/XXXX/XXXX. In XXXX XXXX I was notified that loan modification was transferred to SLS. I was contacted by SLS in XXXX XXXX they required for an updated XXXX. 
SLS denied my modification citing that my loan was not owned by XXXX XXXX saying my loan is owned by a private investor which does not participate in modification. I sent a dispute letter and proved that in fact my loan is owned by XXXX XXXX. EXHIBIT -A- I applied for assistance from Keep your home California they paid SLS {$20000.00} on XXXX XXXX, XXXX to reinstate my loan back to the original agreement. I signed a XXXX deed of Trust for this amount which was filed in XXXX XXXX County Recorder 's Office Doc # XXXX. It was my understanding that {$20000.00} will cover my mortgage payment from XXXX. My direct payment to SLS should have been commencing XXXX/XXXX/XXXX, however they send me a statement for XXXX XXXX, XXXX which I paid on XXXX XXXX, XXXX. I have been over charges and I am requesting my over payment to be applied to my XXXX XXXX Payment. 


Balance Owed Date Principle Interest Escrow Total XXXX/XXXX/XXXX {$440.00} {$460.00} XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX {$1400.00} XXXX/XXXX/XXXX 3 % {$1400.00} XXXX/XXXX/XXXX {$390.00} XXXX XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} XXXX/XXXX/XXXX {$1600.00} Total {$19000.00} Payments XXXX/XXXX/XXXX Keep your Home California {$20000.00} XXXX/XXXX/XXXX XXXX XXXX {$1600.00} Total {$21000.00} Over Payment should be applied to XXXX XXXX Payment {$1800.00} I am asking you to review and correct my payment accordingly Thank You
Product: Student loan

I have contacted aidvantage with a conditional acceptance on XX/XX/2022. With the tracking number XXXX I received notification that they are my new student loan servicer now instead of Navient. I have requested that they provide the original instrument of indebtedness in its original form between them and I. And I have yet to receive a response. It is close to going over the terms of the postal rule. I need the proof original instrument between us to continue its agreement.
Product: Debt collection

Credit management company XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX I do not believe that this debt is mine, and I am requesting debt validation. Along with the original contract of this outstanding debt. 

{$1000.00}
Product: Credit card

This is regarding a disputed transaction with XXXX XXXX in XXXX, PA. 

On XX/XX/XXXX, I checked into XXXX XXXX XXXX for a planned two-night stay. Unfortunately, on XX/XX/XXXX, I received the devastating news of my grandmother 's passing. Given the circumstances, I made the decision to check out around noon, a day earlier than planned. The front desk graciously acknowledged the situation and assured me of a refund for the unused night, amounting to {$210.00}. They provided me with a receipt clearly detailing this refund due back to my Apple Card. 

Days turned into weeks, and the promised refund did not appear on my card. Trusting in the reliability and integrity of the Apple brand, I initiated a dispute via Apple Card. However, I was genuinely shocked when the resolution initially sided with the merchant. I reopened the dispute and resubmitted my information, but it was again denied by Apple Card. 

To be clear, I have concrete evidence in the form of a physical receipt which confirms the refund owed to me. It is disheartening to think that despite such unequivocal proof, the matter was resolved against me, especially considering the emotional distress I was undergoing due to the sudden demise of a close family member.
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX close my account in XXXXXXXX XXXX XXXX  They refused to close my account, and they reported that my account was 30 days late. Upon realizing this, I called again in XXXX to request that the account be closed. I also requested this information in writing. They subsequently closed the account in XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Theres a business credit card account reported on my personal credit report XXXX and XXXX. I contacted the Chase Bank via secure message about this issue to request to remove this business credit card account from all of my personal credit reports on XX/XX/scrub> 2025. No responses from Chase Bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 Subject : Request for Removal of Fraudulent Accounts Dear XXXX XXXX, Experian, XXXX I am writing to inform you that I, XXXX XXXX, have been a victim of CPN ( Credit Profile Number ) theft. Multiple accounts have been opened, closed, and maintained in good standing without my authorization. I have no knowledge of the individuals responsible for these actions. My address was used but a forwarding address was submitted in connection with this scam. 

Below is a list of the fraudulent accounts that appear on my credit profile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already contacted the local police, and I have been advised to file a complaint with the XXXX ( Consumer Financial Protection Bureau ). My CFPD complaint number is [ Insert XXXX Complaint Number ]. 

I have attempted to resolve this matter directly with your bureau, but I was informed that providing the XXXX complaint numbers is necessary. Therefore, I kindly request that you investigate these fraudulent accounts and remove them from my credit profile at the earliest convenience. 

Please find attached copies of relevant documentation, including the police report and any other supporting evidence. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and assistance in resolving this identity theft issue. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

On my Experian Credit Report I have 1 account in collections with XXXXXXXX XXXX XXXX with an amount of {$870.00} claimed to be owed to them. I have disputed this account and they come back with, " this account is confirmed ''. I have requested all documents and I received nothing. 

XXXX has sold this account to continually refresh the open date for a fresh 7 year debt collection process. On this account, as reported to XXXX it says " Date Opened : XX/XX/XXXX ''. It then says, " Date Reported : XX/XX/XXXX ''. Then the XXXX report says " XXXX XXXX  : XX/XX/XXXX '' which is 7 months before the account was even opened. 

I called them at XXXX on XX/XX/XXXX at XXXX XXXX, and was told that I was speaking with a Collection Agency, so the information on the XXXX report again is not correct. The collection agency then stated that the actual account was opened with XXXX originally in XXXX of XXXX, this is not what the credit report reflects. Then they said the address was XXXX XXXX XXXX XXXX. In XX/XX/XXXX I was living on XXXX XXXX XXXX , yet the account and the debt is confirmed to be mine. 

I feel like XXXX is owned by the mob and they just keep selling the data and getting it pulled back into their office and the calendar of seven years restarts again, this is unethical and inaccurate information in complete violation of the Fair Credit Reporting Act. 

If it remains on my credit report, I demand to see the original loan application information for it to be verified by humans and not a computer program.