23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I made a promotional purchase on my synchrony care credit credit card. The amount was for {$770.00} and my promotion was set to expire in 12 MONTHS. My monthly payments were being paid BEFORE TIME. I was approved to upgrade my care credit card to a care credit Mastercard with savings & perks to be used wherever Mastercard is accepted ; so I started using my card everywhere. I paid off EVERY STANDARD PURCHASE & made payments towards my PROMOTIONAL {$770.00} purchase. In XXXX on the XXXX before my bill was due on XX/XX/XXXX. I made a HUGE 1 time payment in the amount of {$1400.00} & I called to tell the customer service representative to ALLOCATE/ APPLY/ PUT/ etc my payment towards ALL standard purchases. I checked my bill in XXXX & my money WAS NOT applied correctly, my payment of {$1400.00} was used to pay off my 1 YEAR PROMOTION. I was very upset & I called back in & I was told it will be corrected but it takes up to 2 billing cycles. I waited until XXXX, my account WAS NOT corrected & there were 2 interest charges on my account the XXXX one was for {$25.00} XXXX XXXX & the next was for {$23.00} XXXX XXXX. I made a call & I spoke with a manager name XXXX I explained to XXXX after explaining the problem to 6 other representatives who recorded & have transcripts of all my calls turned complaints! XXXX stated I see the problem, we made an ERROR, Im sending the issue over to my teams who can reverse & allocate the money in the manner you requested & intended. I had to repeat 6 times in the first 3/months Im not paying off my 1 YEAR promotion! Im paying ALL STANDARD PURCHASES, if you dont pay a standard purchase in FULL the balance of whatever you leave will be charged INTEREST! MADE IT VERY CLEAR, WHY WOULD I PAY MY PROMOTION OFF BEFORE PAYING MY STANDARD PURCHASES OFF? Im being CHARGED INTEREST UNFAIRLY! Thats illegal to charge me interest on a promotional offer that clearly states, if this promotion is paid off in one year from the date of purchase with monthly payments there will be NO INTEREST! Now I have 2 more interest charges {$18.00} XXXX  & {$15.00} XXXX. I DO NOT OWE ANY INTEREST, I have a second promotion on my account that I charged in XXXX on the XXXX for {$520.00}. Its also a ONE YEAR PROMOTION, its on my account, its correct but my other promotion is still showing paid in full & I did not want it paid in full & I want my account CORRECTED WITH MY TWO PROMOTIONS & ALL INTEREST FEES DEPLETED! I dont owe ANY INTEREST & after this is resolved Ill be happy. I spoke with XXXX XXXX on XX/XX/XXXX @ XXXX XXXX who stated she sees the entire transcripts from XXXX through XXXX but she had no authorization or authority to fix the account. XXXX transferred me to XXXX XXXX but he couldnt figure out if he was a representative or manager & he was not helpful in any way.
Product: Money transfer, virtual currency, or money service

I launched my business in XX/XX/2024 and almost immediately encountered significant issues with Square. From XX/XX/XXXX to XX/XX/2024, the business generated {$13000.00} in transactions. However, Square then restricted my ability to process payments, stating that my funds would be held for 180 days unless my customers initiated refunds themselves. Despite a customer attempting to initiate a refund on XX/XX/2024, Square canceled this transaction at XXXXXXXX XXXX. It has now been 90 days since the restriction began, leaving my business crippled and plunging me into debt. Repeated attempts to address this situation through emails, calls, and chat have been unproductive. The representatives consistently state there is nothing they can do but wait out the XXXX period. Meanwhile, my account displays a balance with upcoming nightly transfers totaling {$13000.00}, yet all transfer attempts are met with a message stating they are " currently unavailable, '' effectively locking me out of my funds. Each effort to resolve the issue has led to being either ignored or shuffled between different representatives without any resolution.
Product: Credit card or prepaid card

I applied and was approved for a Sam 's Club MasterCard which is owned by Synchrony Bank. A few days after approval, I received a letter via USPS from Synchrony Bank that stated : " When you were approved, we did not assign to your account the best interest rate we offer. '' It stated that I was entitled to a free credit report and if I had any concerns I could contact them and/or XXXX -- the supplier of their credit data.

I know I have excellent credit. I get a free FICO credit score every month with my XXXX credit card account. My score is always in the 800s. I also get a free FICO score with my XXXX   XXXX XXXX account and it is in the 800s as well. The XXXX  XXXX XXXX FICO score is supplied by XXXX, by the way. 

I ordered a free credit report from XXXX as suggested by Synchrony. When I received the report, I could see no derogatory information at all, so I decided to contact Synchrony Bank by phone. I asked them to tell me specifically why I received a sub-standard account when I have excellent credit. After being placed on hold for quite some time, XXXX, told me that she was unable to explain why I received the higher interest rate account. I asked to speak to someone else regarding the matter and she said she had already inquired with her manager and they could not help me. She stated the approval process was all automated. I asked her what criteria were needed in order to get the standard ( better ) interest rate. She said she did not know and neither did anyone else. I told her I would be filing a complaint. 

My concern is that this is a scam created by the credit card company ( Synchrony Bank ) to charge higher interest rates to everyone. If I have excellent credit scores and did not receive the best interest rate, what do they require in order to get the better interest rate? No one could tell me when I called and asked.
Product: Money transfer, virtual currency, or money service

I used zelle numerous times and reported discrepancies and took losses from missing money.My bank and Zelle failed when I made claims still never received money they failed to investigate. They informed me that recovering the lost funds was impossible and I took a lost and my bank blaming Zelle and Zelle blaming my Bank so it was lost funds. The CFPBs findings indicated that Zelle has not only neglected to protect consumers but always allowed repeated offenders to exploit the system leaving users vulnerable to scams
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance : {$47.00}
Product: Credit reporting or other personal consumer reports

A XXXX, XXXX, XXXX, and XXXX  days late need to be removed from my credit report.
Product: Debt collection

I called Pendrick Capital Partners LLC on XX/XX/XXXX To get more info on all my supposed debt accounts with them. I spoke on the phone on the same day with XXXX at XXXX. When inquiring about supposed said accounts her tone changed from Professional to Unprofessional. I inquired about an account that was with XXXX XXXX XXXX. I had previously sent in a complaint about them not being able to verify a bill because I was told they didnt have it, and the same was said with XXXX XXXX XXXX told me on the phone they wouldnt have it, XXXX would. So in conclusion they both couldnt provide me verification and I believe this is a violation of FDCPA. XXXX is the Current Collector but yet dont have any receipts or verification on any bills they have on me.
Product: Credit reporting or other personal consumer reports

The three main credit bureau are reporting inaccurate information on my credit report. 
Please see attached files below.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, has violated my rights. 

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 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 reason.
Product: Credit reporting or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$2000.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$940.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX ( Original Creditor:XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX {$1300.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$830.00} XXXX XXXX Balance {$900.00} XXXX XXXX XXXX Balance {$640.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$390.00} XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of some accounts on my credit report. I didn't even know about credit system since I got to this country in 6 years ago, until got separated from my husband and move out then I started receiving letter form companies about debts that I did not own or have knowledge of. 
I called these companies and told them that I did not open an account with them or have knowledge of any accounts. They assured me that the issue will be resolve because they couldn't or have any prove that it was me. 
They did close the accounts and I never received any letter again from them. 
Years gone by I ask told by a friend that I can sign for credit monitoring and keep track of my credit when I will did and discovered that those accounts were added to my credit report. I called the 3 credit bureau agencies numerous times and sent the letters three times and informed them that I have no knowledge of the accounts and they accounts doesn't belong to me. After several dispute they still have the accounts as open and collections without any prove. I asked for prove and they sent me a summary of monthly data of reports that was sent by these companies ( collections ). 
It is clear that these 3 credit bureaus are working for other companies and collections companies to put false information and false accounts into consumers like myself, to use their power to make me as a bad credit consumer. 
And what that means is that I will be force to pay for something that I have no knowledge of, to be able to get approved for any purchase of a car, a home and etc. They have refused to investigate, they have not sent me any prove, they have not deleted the fraudulent accounts and am asking for the intervention.
Product: Debt collection

A medical doctor was reimbursed by XXXX for customary and reasonable charges. He was upset with the amount and sent his full bill to Creditors Discount & Auditors. They placed a collection notice for the full amount even though I made 2 phone calls and responded in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once I was released from the hospital, I contacted Capital One customer service department and explained to a Capital One representative that I had been XXXX XXXX XXXX XXXX XXXX XXXX, which caused my payments to late. The original amount I owed on the Capital One XX/XX/2022 statement was only {$34.00}. When I released from the hospital in XX/XX/2022 the amount owed on the Capital One credit card bill had ballooned to {$140.00} after late fees and other charges were added. 

The Capital One representative stated she could not waive all the fees but she granted a partial waiver and waived some of the fees and I paid the credit card bill in full with the representative on the phone in the amount of {$63.00} via my checking account/ACH transfer. 

I informed the representative I was concerned about Capital One reporting the late payments to my credit reports. I have decent credit and have not paid a bill late in over twenty years. The Capital One representative told me she would notate my account that had been affected by XXXX XXXX XXXX XXXX XXXX XXXX  which caused the late payments. My Capital one bill had always been paid on time until XXXX XXXX XXXX XXXX XXXX XXXX 

Per the guidance provided by the Capital One website and representative my account would not be reported late to the credit reporting agencies/companies because I was affected by XXXX XXXX and due to the federal CARES Act and XXXX XXXX Capital would not report a late payment. 

Unfortunately, even after all the public assurances given on the Capital One website and by the Capital One representative I spoke with, Capital One did and continues to report late payment ( s ) to the credit reporting agencies, XXXX, XXXX and XXXX. Which has and continues to negatively impacted my credit scores. 

I have attempted to reach back out to Capital One customer service and I was told there was nothing they could do to remove the late pay ( s ) from my credit reports even if it was a result of me XXXX XXXXXXXX XXXX XXXX XXXX  I also attempted to contact Capital One executive office via email but did not receive a response from Capital One via email.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I made, in good faith, a deal with XXXX XXXX Harley Davidson and Harley Davidson Financial Services to purchase a XXXX XXXX XXXX XXXX XXXX. 
I have filed a small claims case against XXXX XXXX Harley Davidson and have informed Harley Davidson Financial Services, a.k.a. Harley Davidson Credit Corporation, that the matter is in a court case and to stop calling me about it. 
After several call-backs, I began blocking the source numbers but they change source numbers and keep calling, several times every day.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries are fraudulent never ever filled out any application for a car or credit..I will have the list posted down in attached form..I 'm asking for these to be removed from credit report..I 've complained to the creditor company several times no removed items..yet please help me remove these items
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the XXXX XXXX XXXX Account, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had credit cards for two years with XXXX and XXXX XXXX XXXX XXXX ( XXXX  ). I had made sure both credit cards report to the bureaus. I was about to refinance my mortgage and they wanted to pull all 3 credit bureaus scores, EQUIFAX had nothing. I was telling them that I need this done for refinance so they took a copy of id, ssn and a hand written letter. I have not recieved no response!!! I need this before XX/XX/XXXX otherwise I can not refinance.
Product: Debt collection

FirstPoint is sending me letters trying to collect a debt I do not owe for XXXX I have sent FirstPoint a dispute letter I haven't heard anything back as of yet.
Product: Money transfer, virtual currency, or money service

My account was closed without any reason. I did nothing wrong. A payment was received from the XXXX website, then they requested documents, and then my account was closed. Please solve my problem and escalate it to the relevant authorities.
Product: Mortgage

XXXX XXXX XXXX XXXX was originated with XXXX XXXX  and sold to Specialized Loan Servicing in XXXX. I have been making on time payments on my loan since origination and following the transfer. The original statement Principal with Specialized Loan Servicing on transfer was XX/XX/XXXXXXXX XXXX  {$37000.00}. XX/XX/XXXX was {$37000.00}. When I recently checked my balance in order to refinance the loan with a different institution, it was {$330000.00}. This amount was also reflected on my XX/XX/XXXX statement. I contacted the lender last Tuesday, XX/XX/XXXX, to inquire about the error on my account and was transferred to an escalation team. The person I spoke with assured me they were looking into it and I would be contacted within 48 hours with the resolution. I had not heard anything by today ( XX/XX/XXXX ), so I called back. This time, the customer service rep told me I could not be sent to an escalation team nor could I speak with a manager, and I would have to wait until XX/XX/XXXX for more information on the issue. In the meantime, the lender is reporting the wrong amount on my statement and more concerning, I'm worried it will show up on my credit report and that they may be calculating interest based on the wrong loan amount. The customer service rep was rude and refused to allow me to speak to anyone else at the bank.
Product: Mortgage

My husband and I obtained a mortgage as co borrowers. he was later diagnosed with XXXX. when he passed away I made the mistake of furnishing a death cert. the account then changed to the estate of my husband.

In 2018 I paid off the mortgage with an escrow balance. the balance was sent to me in the name of THE ESTATE OF ... .I CAN NOT CASH THE ESCROW REFUND. I am told I have to open up probate in order to cash the check ...

II have tried several times to fix this, I hired an attorney to try and straighten this out. since I am co borrower the title goes to me. the lender never contacted me about the attorneys letter and the return of the check. the lender never voided the returned check, and will only issue a check in the estate of my husband.

I am told I have to open probate for one check. everything else was put in my name because he knew he was going to lose his fight with XXXX.

Is there anything I can do? I need help. being a widow is bad enough on social security without having to take care of things like this.

the lender was supposed to pay the property taxes out of escrow and did not. forcing me to take money I dont have out of pocked to pay the property taxes on time. this is a hardship. please help
Product: Money transfer, virtual currency, or money service

Zelle never stated that if sent to the wrong person you could not get your money back. The disclosure was not stated before the transfer.
Product: Credit reporting or other personal consumer reports

For the past two months, I have tried to reach out to your company regarding these items that I want removed/deleted off my report and so far, nothing is being done. I am filled with so much stress in life already and these inaccuracies are adding up to that- worsening my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of a recent data breach and identity theft. As a result, several fraudulent accounts have been opened in my name without my knowledge or consent. I have discovered these accounts reported on my credit report, and I am requesting immediate action to resolve the issue and remove these fraudulent accounts from my credit file. 

The accounts that I have identified are as follows : XXXX XXXX  Account Number : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX Account Number : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : # XXXX I have already taken the following actions : I filed a dispute with the credit bureaus, including Experian, and requested that they delete and block these fraudulent accounts from my credit file. 
I have attached an Affidavit of Identity Theft and other supporting documentation to verify my claim. 
I requested that these fraudulent accounts be removed within 4 business days, as required by the Fair Credit Reporting Act ( FCRA ), Section 605B ( 15 U.S.C. 1681c-2 ). 
I contacted the relevant financial institutions to report the fraud and asked for the accounts to be closed. 
Despite these actions, the accounts remain on my credit report, and I have not received the timely resolution I am entitled to under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Collegiate Trust or NCT is reporting inaccurate and inconsistent information to XXXX and XXXX. This includes different payment history on the respcitive bureaus and wildly inaccurate and incossitemnt key filed like date of first deliquncy, account status etc. I have sent documentation to get the information corrected to no avail. Therefore I am filing a dispute with the CFPB to have them delete the entire tradeline from my XXXX and XXXX credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Co Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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