23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Regarding Lack of Clarity and Unfair Charges on Best Buy Credit Card Dear CFPB, I am writing to file a formal complaint regarding a lack of transparency and unfair practices related to my Best Buy Visa credit card. 

When I applied for the card, I was only presented with two options : the My Best Buy Credit Card ( no annual fee ) and the My Best Buy Visa Credit Card ( also advertised as no annual fee ). Based on this, I believed I was applying for a no-annual-fee card. However, I was later informed that I have a Best Buy Visa Gold Card with an annual fee, which I was not aware of during the application process. 

I have reviewed both my physical card and my statements, and nowhere is it indicated that this is a Gold card with an annual fee. Despite this, I was charged an annual fee, followed by a late fee for not paying that annual fee, which I had not expected or been clearly informed about.

I believe Best Buy and Citi should be more transparent about the card options they offer, as this lack of clarity is both deceptive and unfair to consumers. I am requesting the following : 1. A return of the annual fee and late fee, as I was not properly informed about them. 
2. A downgrade of my card to the My Best Buy Visa Credit Card with no annual fee, as initially expected.

I would appreciate your assistance in resolving this matter, as I believe Best Buys credit card application process needs to be clearer to prevent further confusion and financial penalties for consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

From time to time, there is a dispute for one reason or another. Most are cleared up without problems. Sam 's Club/ Synchony Bank contacted me last XXXX, stating questionable transactions which appeared to be fraud. At that time they cancelled my card and sent out a new one. I was told that when my statement came in, check each transaction and advise them of anything I believed was Fraud. .... I did so and have followed up on these charges with Sam 's over & over. They not only refuse to credit my account, but continue to add interest and late fees. All Credit Bureaus have been notified of my imagined delinquency. ... I am attaching letters and the most recent statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 XXXX reported to my personal credit report that I owe them {$4500.00} for multiple devices. However, I did not agree to, nor did I receive any goods from XXXX. I contacted them to dispute the claim and they asked me to contact the store and collect security camera footage of who used my information to secure the devices. However, the store does not have that recording. I have disputed this via certified letter to XXXX when I was first notified, and I did not receive a response. I submitted proof that XXXX and its collection agency did not respond to my dispute to all three reporting agencies, Equifax, XXXX, and XXXX and they all refused to remove the incorrect information from my reports. 
I disputed this information in the legal timeframe allowed by the FCRA, the creditor did not respond with proof that the account belongs to me within 30 days from receipt of my certified letter disputing the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am forwarding this complaint myself. There is no third party involved in this request. This WELLS FARGO appeared to be included in Bankruptcy which is erroneous because this account is {$0.00} in balance and it only reports on my XXXX Credit Bureau Reports. Send any and all documentation that validates your investigation and comments and that the XXXX Credit Bureau is legally allowed to report this on my credit report. If unable to, remove the account immediately. 
XXXX - WELLS FARGO XXXX XXXX XXXX WELLS FARGO XXXX XXXX - WELLS FARGO XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been contesting credit report fraud ITEMS. The items are neither in dispute nor removed from my report. The XXXX and TransUnion credit bureaus appear to be ignoring the pattern and allowing these false items to harm my credit score. I have demanded that an investigation be launched and that verifiable proof be supplied if the things claim to be mine. ENOUGH IS ENOUGH! HOW MUCH DOCUMENTATION IS REQUIRED TO GET SOMEONE TO DO SOMETHING? CHECK OUT THE ATTACHMENTS! THIS IS NOT ROCKET TECHNOLOGY! You requested documentation, and I provided it. AND AGAIN! AND AGAIN! This is my final choice before I consult with my attorneys and file a lawsuit for full compensation and damages. Please remove it ASAP! 
XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXXXXXX Balance : {$0.00}.
Product: Mortgage

SPS servicing has been stalling my loan mod application since XXXX/16. 
They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. 
The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. 
Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.
Product: Mortgage

On XX/XX/XXXX I was charged an application fee of {$100.00} from PennyMac for a home mortgage refinance and given a rate lock for 45 days. I have provided all documents as requested within hours of such request. 

On XX/XX/XXXX I was given a closing disclosure that was far from accurate and misrepresented my local property tax amount, tax balance and APR. 

I asked for this to be corrected and I have not seen an updated closing disclosure nor do I have closing date. I have also asked for an explanation on why the APR was different and they did not explain it.

I have not heard any updates from PennyMac on where this loan stands and it's been over 75 days from the application submission and nearly a month since the inaccurate loan disclosure was provided. I have provided updated tax information which is publicly available on the county website and updated payoff figures from my mortgage company. PennyMac does not answer its emails and its phone systems continuously ring or go to voicemails that are not setup.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent Experian a follow-up letter requesting Method of Verification as they had verified an inaccurate account as being listed as accurate XXXX XXXX XXXX  XXXX. 

According to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Based on my certified mailing tracking record number XXXX Experian received the letter on XX/XX/2020. It is now XX/XX/2020 and I have received not received their Method of Verification within 15 days of my request. By not replying in a timely manner to my initial letter Experian has not only violated federal law, but has also failed to provide me with a copy of any viable evidence showing the account is being reported accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing a complaint against XXXX, TransUnion, and XXXX  because they are not complying with their own policies in a timely manner. The letters attached is my third round of letters, I've sent all three without any response and it has been over 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists
Product: Credit reporting or other personal consumer reports

I am writing to submit a complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ) by failing to investigate my dispute and provide the results. 

On XX/XX/year>, Equifax received my dispute notice via USPS Certified mail, signed for by " XXXX XXXX '' On the same day, however, Equifax failed to provide me with the results of its investigation. 

On XX/XX/year>, I contacted Equifax and spoke with XXXX of their agents. The agent informed me that the investigation was complete as of XX/XX/year>, and the results were mailed. However, I had yet to receive the investigation results. The agent offered to resend the results, but instead, I received a credit file dated XX/XX/year>, which I did not request. 

I believe Equifax failed to conduct a reasonable investigation into my dispute, as required by the FCRA. If an investigation was conducted, I would like the CFPB to assist me in obtaining the results. THESE RESULTS IS NEEDED RIGHT AWAY. 

I have attached the following documents to support my complaint : XXXX. A copy of the dispute notice mailed to Equifax on XX/XX/year> XXXX. The return receipt from the USPS Certified mail, signed by " XXXX XXXX '' on XX/XX/year> XXXX. A screenshot of my call log with the date and time of the call with Equifax on XX/XX/year> XXXX. The credit file Equifax sent instead of the investigation results Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

I have sent numerous letters to my mortgage company regarding fraud contract such as po box not contracting venue and 18usc 1341 and 1342 and now my credit is impared. The mortgage is not even in my correct name. For the voidance of perjury, i require correct parse syntax sentence structure. I have all documents. I have contacted the XXXX XXXX XXXX director as well.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, authorized this dispute due to multiple violations of the Fair Credit Reporting Act ( FCRA ) that have affected my credit report. Specifically : Civil Liability for Willful Noncompliance ( FCRA Section 616 ) : Credit information was accepted without proper verification of its accuracy, which is a willful violation. Under FCRA, this can result in civil penalties of up to {$1000.00} per violation.

Failure to Disclose My Right to Opt-Out ( FCRA Section 603 ( d ) ( 2 ) ( A ) ) : The reporting agencies failed to inform me about my right to opt out of sharing my personal information, which misled me and violated my consumer rights.

Furnishing Deceptive Forms ( FCRA Section 623 ( a ) ( 3 ) ) : Inaccurate inquiries and accounts were reported without proper validation, which violates Generally Accepted Accounting Principles ( GAAP ) and constitutes deceptive reporting.

Debt Collection Practices Act Violation : The reporting agencies allowed inaccurate debts and accounts to be reported without my consent, leading to unfair practices and unnecessary harassment.

Unauthorized Disclosure of Debt Information : Debt collectors violated regulations by sharing my information with third-party credit reporting agencies about an alleged debt.

Inaccurate Reporting of Late Payments : Late payments were inaccurately reported on my credit report without a clear definition of what constitutes a late payment, which misrepresents my credit history.

Failure to Properly Determine Finance Charges : The credit reporting agencies failed to accurately calculate finance charges, violating their responsibility.

Permissible Purpose of Reporting Information ( FCRA Section 1681b ( a ) ( 2 ) ) : Unauthorized hard inquiries were made on my credit report without my written consent, violating the permissible purposes rule under FCRA.

I have requested that the credit agencies immediately correct these violations by removing inaccurate and unauthorized information from my credit report. If these issues are not addressed promptly, I will be forced to pursue legal action under the provisions of the Fair Credit Reporting Act.
Product: Debt collection

I had a Wellsfargo credit card back from XX/XX/2013, it has been charged off and closed. It has been over 7 years since this credit was open. I do not owe this money anymore. Please assist with this issue.
Product: Credit card

I was making a payment on my Lowes card on XX/XX/23 and discovered my account was closed. I have not received a letter stating my account was being closed. I called Lowes Customer Service and was informed on XX/XX/23 my account was closed because I have too many accounts with high balances. Well who don't have credit cards with large balances at this time with this economy. I was okay with Lowes dropping my limit but to close my account entirely hurts my credit score.
Product: Student loan

I borrowed XXXX form XXXX XXXX that is now Navient with the help of a co-signer in 2004. I have been paying on this loan for 10 years and still owe XXXX. I have been charged late fees when my payment was on time. I have paid over XXXX in interest and the principle has never gone down. They refuse to let my Co-signer be released even after this long period of time & payments being made.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with career step, I do not have a contract with Monterey Collections Sv, they did not provide me with the original contract as I requested. 
Also it is not listed with the other credit bureaus : XXXX and XXXX, which proves it to be inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown late payments XXXX XXXX XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 60 days Status Updated XX/XX/XXXX Balance {$4.00} Balance Updated - Credit Limit {$1500.00} Past Due Amount - High Balance {$1500.00} Monthly Payment {$4.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX XXXX XXXX NY XXXX Ownership Individual Original Creditor - Company Sold-to
Product: Credit reporting or other personal consumer reports

I have an account with XXXX XXXX XXXX XXXX and a separate account with Navy Federal Credit Union. However, I have never authorized Navy Federal Credit Union to report any information about my XXXX XXXX XXXX XXXX account to XXXX or any other credit bureau. 

After speaking with an XXXX representative, it was brought to my attention that Navy Federal Credit Union has been reporting my XXXX XXXX XXXX XXXX account information to XXXX without my consent. Furthermore, the information they are reporting is inaccurate. Specifically, they have reported a balance of {$2100.00} for my XXXX account, which is incorrect. The actual balance is {$1900.00}. This unauthorized reporting constitutes a breach of my privacy and has been flagged as fraudulent. 

Additionally, I noticed another discrepancy involving a company called XXXX XXXX. This company has reported a collection account on my credit report to XXXX, claiming it is a recent debt. However, this account was fully paid off in 2019. It is fraudulent and misleading for them to report it as a new debt within the past three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've never really paid to much attention to my credit before till recently. when I was receiving loan offers in the mail and credit cards and phones calls not stop people wanting to give me a loan. This all happened after me and my son father broke up I cant prove this was him but someone was applying for me credit everywhere wasn't getting approved. when I did a credit report I saw some stuff but not everything that's on there now wasn't on there at first. In XXXX my online banking account was hacked into I am still not really sure what happened. I received a check in the mail from worth finance for {$1000.00} it was XXXX time and with no help from my sons dad I was relived I got it. I deposited through my XXXX XXXX   XXXX app. and like 2 weeks later another XXXX dollars was pending in my checking except I didn't know where it came from and my online banking didn't show anything but {$1000.00} was pending. I called the bank asked about it beings its was a Saturday there wasn't much they could do or tell me then the money first disappeared and days later my account was clothed. I called no one knew or could tell them I finanially received a letter in mail with instructions on what I needed to do. so I filed for identity theft reported it to the police and in XXXX almost 3 months later they closed there investigation. I then learned the worth finance check had something to do with it and I've been have a hard time with my credit since. no one actually stole anything or was able to get a credit card that im aware of yet. I would really appreciate it if you'll could help me fix my credit issues. I do everything from the bank and my identify theft report.
Product: Money transfer, virtual currency, or money service

I want to know why was my account limited. In my last dispute the case was decided in the favor of the customer before I could submit a reply when I still had 2 days left to respond. I did not violate the user agreement in any way and I'd like to see try to prove that I did. Limiting my account was a mistake and I'll gladly dispute you for the money being held in arbitration. 

I will not be waiting 180 days because I already know I'll get nothing at the end of the 180 day period. You'll make me wait several months but instead of sending any money, exactly a month before the 180th day you'll seize all the money as payment for " damages '' that don't exist. I know your pathetic company 's slimy tactics all too well. This is hardly my first time getting f***ed over by your company. 

I couldn't care less about the limitation. I'm already processing payments with a better company. You can keep me banned but you're not keeping my money. I will give you one chance to pay me the money I'm owed. Deposit the money once they become available to my bank account or you can tell your lawyers I will see them in arbitration with a dispute but I can promise you won't only be for the seized money since it's hardly everything I'm owed. In addition to all money from my most recent PayPal account XXXX I will be coming for every penny previously and just as unjustly seized from other PayPal accounts that I own and used to process payments on my website as well as thousands of dollars in lost revenue due to inactivity resulting from my inability to process payments which is result of the unjust limiting of my PayPal account.
Product: Checking or savings account

Chase keeps freezing my account for " suspicious '' activity any time I try to perform a transaction. Apparently it's not enough to have an extremely strong password and a 2-factor auth device, while logging in from the same device and IP address I used to sign up with. Calling them, they ask identity verification questions that make no sense, and they refuse to tell me where they're coming up with the bogus info for the questions so I can't fix the issue. Phone reps instruct me to drive 4 hours round trip to visit a branch - which I did do, only two weeks ago ( mid-XX/XX/2020), and presented ID. Today ( XX/XX/2020 ) I try to do another transfer and they freeze my account again! The transfer is NOT SUSPICIOUS! I was logged in with my usual device, and provided the security PIN they emailed me in order to perform the transfer. The PIN was accepted and everything was fine. In spite of that, fraud department called me to verify, and the rep 's headset was screwed up and they couldn't hear me telling them to authorize it. There's seemingly no mechanism to get them to call a second time, and now the whole account is frozen again. I tried to log in and I'm being denied access. I called in and they're telling me to go visit a branch and show ID AGAIN. I can't keep driving 4 hours to a branch every time I need to do a transaction!
Product: Money transfer, virtual currency, or money service

This morning PayPal emailed me that my account has been permanently banned and I can no longer use it. They gave no reasoning behind this, nor the opportunity to appeal.

I called their customer service line and got someone who stated they could not tell me why I was banned and I could not appeal the decision. I asked for a supervisor and once they came on they also stated they could not explain why either. I asked for another supervisor and they stated that I could go no further, they no longer wanted to do business with me, and that they would hold any funds for up to 180 days or permanently. I told them that was illegal and they said I would have to consult with a lawyer if I wanted to seek legal action.

I called a second time hoping to get someone more sympathetic, and I was told the exact same thing. This representative told me to try setting up a new account under a different name and email and maybe it wouldn't get banned.

I have had this PayPal account for over 10 years and have never had any issues. I do not use my account for anything illegal or against their policy to my knowledge. I feel that if there was an issue I should at least be given the chance to correct it before they outright ban me and steal my money. 

I am seeking my account to be reinstated and in good standing.
Product: Credit reporting or other personal consumer reports

Fraudulent accounts are on my credit report that is damaging my score
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX  in XX/XX/year> due to them being reported as collection company on behalf of XXXX XXXXXXXX. I asked them to validate my debt according to XXXX XXXX  I requested a detailed list of payment history with XXXX XXXXXXXX. I requested the signed original contract with creditor XXXX XXXXXXXX, I asked for proof of any insurance claims filed on this debt and I requested proof that they had chain of title command to collect on this debt. They were not able to provide and validate debt.