23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was misled into thinking that I could have a XXXX alternative from XXXX in XXXX GA. They set me up with a Comenity Bank account for a debt of over {$5500.00}. After XXXX weeks I let XXXX know that I had zero results. They had me wait until a full 3 months had passed to see me, all the while I was making payments to the account. 

After 12 weeks XXXX got me in, took my XXXX, and took after pictures. I almost cried, I had gained XXXX and there were no differences in my pictures. I was clearly upset with the results and wanted to speak to someone. The nurse said she was sorry, suggested some natural ideas help with XXXX and said a manager would call me. 

Once I finally heard from a manager they tried to sell me on a second round of the procedure for another $ XXXX. I refused and contacted Comenity Bank for help. 

The service from XXXX was fraud. The pictures on the sales ads were deceptive, and it should be illegal to take advantage of consumers like this. They advertise XXXX alternative and show unrealistic before and after pictures. I had zero results and informed the company after 4 weeks to let them know. 

After I filed the dispute, Comenity Bank instructed me to work my issues out with XXXX. I contacted the XXXX corporate office and was told they would offer me a credit and that a manager in GA would reach out to me. 

The manager in Georgia did reach out to me. She agreed that the service was NOT successful and offered me a store credit for future services of {$2800.00}, still wanting me to pay Comenity $ XXXX. I refused this offer and went back to Comenity bank to let them know we could not resolve this ourselves. 

I was told by the XXXX customer service that the dispute would be refiled on XX/XX/2017. I have written on the company XXXX and client portal for updates and help with no reply other than call customer service. Today I called customer service and they said they had no record of me contacting XXXX to resolve and thought they had sent a letter to inform me. The rep said she was n't sure why the letter was n't mailed and would reopen the case. 

I feel like I am getting the run around from the bank and have definitely been scammed by XXXX. PLEASE HELP ME! I have two other accounts with Comenity funded ( XXXX and XXXX ) that are paid on time and XXXX is actually paid in full. 

I have no problem paying my bills but do have a problem being taken advantage of. 
When I complained on the Comenity XXXX page a consumer referred me to contact your site for help. I hope that you can help me and shut companies like this down. I wish I would have done more research before using XXXX. I see that many thousands of other people are going through this too. 

Kind regards, XXXX
Product: Money transfer, virtual currency, or money service

I paid for a service today XX/XX/23 {$220.00} via PayPal for ethical hacking account recovery. The service provider lead me to believe they were assisting me but after multiple requests for more money to be submitted, I determined I was being scammed. I filed a dispute with XXXX but they denied it because I authorized the transaction. I requested a refund via the service provider as he guaranteed recovery and have gotten no response. I have all correspondence between myself and said scammer.
Product: Checking or savings account

I opened a savings account on XX/XX/2021 on Lending Clubs website. I transferred {$60000.00} from my home bank ( XXXX XXXX  ). I tried to gain access to my new account with Lending Club but was told my account was locked and being reviewed. I called my home bank to report this and was told the money is already gone and they could not help. My money is missing and nobody can tell me where it went.
Product: Mortgage

The first issue comes with the escrow account. There was an issue with my taxes to start this year that created a shortage. I have since fixed the issue with the township and it took a couple months for Amerihome to figure out what they were doing wrong on the analysis to XXXX XXXX that I had to search online my public tax records and send it to them in order to get my mortgage payment fixed. I just received an email again that my taxes are doubling which mirrors the issue that we resolved in XXXX this year. If the issue is not fixed by XXXX, then I will again be paying over {$600.00} into my escrow account that does not need to be there. I should not have to worry about this every 6 months, the level of professionalism from Amerihome has been less than ideal. 

The second issue I continue to battle is the negligent appraisal. I paid to have an appraisal done to remove the PMI on my house. It came back way below market and the XXXX changed my house from a XXXX bedroom ( which was what was on the appraisal to get the loan ) due to him not liking the room size even though it had a closet and ample space to be a bedroom. He stated in his report that french doors were not akin to a bedroom. He defended this by saying it has no additional market value being a XXXX bedroom home so calling it a XXXX bedroom had no bearing on the appraisal. I also learned that he was using homes farther out that were of less value than homes closer and alike to my house which was driving down the price of my home to keep the PMI on my loan. In XXXX a house on XXXX XXXX and slightly smaller sold for $ XXXX more than what they appraised my house for which strengthened my case that my house should have appraised for more. I have put over $ XXXX into my house that includes a new room, new flooring throughout, new windows throughout, along with having a piece of lake front property that is included in the loan and deeded to the house. The appraisal stating that my house has only appreciated from XXXX to XXXX from XX/XX/XXXX to XXXX of XXXX does not follow any of the market logic, especially with the amount of money put into the home.
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. 
XXXX XXXX XXXX Account 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 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XX/XX/2023 :
Product: Credit card or prepaid card

The Total Card from XXXX XXXX XXXX is a good card, but due to a financial hard ship I have a few late payments on the account. I would like a XXXX removal of late fee in lue of my payment of all credit card debt owe on my account. After payment of balance I will keep my card limit below 30 % of the credit limit. I have attempted to call the company be have had extended hold times or drop calls.
Product: Checking or savings account

.... The XXXX XXXX, NY ] Webster bank branch will not provide paper or electronic statements for my bank/trust account ; nor will the branch assist with setting up on-line access. Whereas, the said branch [ management ] rarely accepts/returns my telephone calls for a discussion to resolve the problem. On occasion, when I was able to speak with the branch manager ( XXXX XXXX ), the discussion concludes with the " intent '' to correct and resolve the problem. However, as of the date of this transmission, the problem still persists as referenced. XXXX XXXX, Successor Trustee. For convenience and edification, a copy of a check is herewith enclosed.
Product: Vehicle loan or lease

I had a account with jp chase Morgan bank a vehicle loan. I had to volunteer repo on the vehicle bcuz I couldn't pay for the vehicle anymore. I lost my job. The vehicle was in perfect condition when I returned it. This is tarnishing my credit report by saying I owe XXXX XXXX more dollars on the car I turned in. Please help bring this charge off my credit report.
Product: Mortgage

Lender/Servicer proceeded with foreclosure sale the day after denial and did not give borrower opportunity to appeal the decision.     An appeal was sent to the lender as well regarding violations of RESPA Regulation X  12 C.F.R. 1024.41 ( g )  ( h ).
Product: Checking or savings account

Chase Bank is refusing to enforce fraud protection on my checking/savings account following the theft of {$18000.00} from my bank account along with my cell phone. The theft occurred while on vacation in XXXX XXXX, LA, XXXX XXXX. Police report was provided to Chase bank along with video surveillance obtained by the XXXX XXXX Detective XXXX XXXX XXXX. Chase claims because my PIN was also stolen that this can not be considered fraud, which is completely absurd. If my PIN had not be obtained by the thieves, then they would not have been able to steal the funds in the first place. Chase claims has been contacted numerous times over the past 3 months and always re-direct the call to another department or simply hang up on the call all together. Finally, after consistently calling for claims status, Chase bank cancelled my checking account, removing my access to all the claims documents and statements associated with this fraud. They still refuse to re-open the checking account to allow me to regain access to my notices and letters.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of a data breach, I did not authorize these accounts or inquiries, and they do not belong to me. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of this inaccurate information.

Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries DEPT OF ED - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XX/XX/XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a FTC fraud report due to the inaccuracies on my credit report with XXXX  XXXX  and Equifax.
Product: Credit reporting or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting various of inaccurate addresses on my credit report And names that are in no association with me Ive tried to dispute them with no success
Product: Mortgage

Ocwen Loan Servicing Account # # XXXX XX/XX/XXXX thru XX/XX/XXXX. 
During this time, Ocwen improperly calculated loan balances, misapplied payments, late charges, failed to correctly process escrow and insurance payments. Ocwen compounded these failures by illegally foreclosing on my loan and submitting an erroneous 2nd lien on the property.
Product: Credit card

So on the XXXX of XX/XX/XXXX, I went to XXXX Toyota ( XXXX California ) to get my current car serviced, while there, I was approached by a salesman who showed me the new XXXX XXXX and wanted me to test drive it, so I did! Afterwords we went in to view numbers, the only thing I was told, was they were going to do a soft pull on my credit to give me small estimates, they did that, which I was okay with, they never once mentioned a hard pull or me signing up for a credit card, i consistently made it clear that I wasnt wanting to make a deal that day, he kept pushing, he wanted me to try to come up with a down payment and kept bringing up the Toyota Credit card and I kept telling him I didnt want to put anything on my current credit card or get one! He kept pushing until I told him I had to leave and would maybe be back, today I received a credit card for the amount he has wanted to get me set up with! This is hurting my credit right before I make a big move across the country! I need to buy a house soon!
Product: Credit reporting, credit repair services, or other personal consumer reports

My Bank XXXX referred me to XXXX, which referred me to Credit Advisors to negotiate reduced interest rate on my credit cards. I spoke to XXXX XXXX multiple times in early XXXX. He explained that they had a program where by I could enroll all my credit cards, they would put them on reduced negotiated rates. He explained that I would not be able to use the cards while they were in the program, but they would re-activate once paid off, or I could remove them to the program at any time. While on the program, I would make one consolidated payment to Credit Advisors. We spoke on 3 or 4 occasions because I had to look up data and card numbers, and he had to calculate what my consolidated payment and what the interest rates would be. I have 2 credit cards with XXXX XXXX - a XXXX card that I pay off every month. I have had this card for approx 30 years. Last year I ran approximately XXXX - XXXX per month in company expenses thru this card as I work for a start up. I also have am XXXX XXXX XXXX credit card with a balance and a high interest rate. Right now I am not traveling, so I don't need the XXXX card, but if the country opens back up I will need it. XXXX said since I can withdraw a credit card at any time he recommended I put it on the program, or I could pay off the XXXX card early and then have both cards back to use. I also was not sure putting all the cards in the program was a good idea as I might not have enough emergency funds, but he convinced me otherwise. He sent me a contract, and I asked if I had to read it carefully and he said it was everything we discussed. I signed up. I have since discovered that XXXX XXXX 100 % Materially Misrepresented this program. Credit Advisors has permanently closed all of my accounts and tagged them as in collection. I have asked to be withdrawn from the program and they have told me I can not. XXXX was not adequately supervised, and I am told their phone calls are not recorded. I now have need for emergency funds. I have lost 30 years  worth of credit history. I can not re-apply for all of these cards without a significant negative impact to my account. I NEVER would have enrolled any of my cards in the program if I had been told my accounts would be closed. I had additional travel benefits I got from some of the cards. This company made false statements to my detriment, they are saying they can not fix it. They are not qualified to be a credit advisor. They gave me VERY INAPPROPRIATE Credit Advice. I have spoken to their CEO and a manager and they are telling me I can not withdraw from the program. They say can not re-open my accounts that they closed without authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

XX/XX/XXXX I have been a costumer of Capital One Credit cards since XXXX and have been in good standing for the entirety of this period. I paid off the remaining balance of debt in full online last month ( XX/XX/XXXX ). This month ( XX/XX/XXXX ) I received additional interest fees of that previous balance which came to the amount of, {$11.00}. 

I called and spoke to 4 separate employees on XX/XX/XXXX in which 2 of them were Senior Account Supervisors, XXXX # XXXX and XXXX # XXXX. I asked that they remove the {$11.00} interest fee as a courtesy. This was denied. They advised me that I am not " eligible '' for this because I would have had to make 2 full balance account payments consecutively. I asked how this could be the case, how could they have offered customers payment deferments without paying for interest due to COVID. I was advised that they did offer this in the beginning, but they are no longer offering this now, so they could not help me. When I asked about speaking with anyone else, above them, they both advised that their position is the highest rank and that there was no one else that could help me. I asked XXXX, the last supervisor I talked to, to place a complaint. He said he made a note of the complaint. I asked if I would receive some sort of confirmation, letter in mail, or follow up. He stated, " No. '' So, Capital One also has a policy according to XXXX that complaints are collected for better assistance but you as a customer will never hear about whether your complaint was reviewed and our even filed! How is this even a way of running a company that is customer based!? 

As a longstanding customer since XXXX I am appalled that the one time I ask for a courtesy of a fee to be waived at the mere dollar amount of {$11.00} after paying off my debt in full could not be granted. Not to mention the unprofessional attitude of the last Supervisor, XXXX. He spoke to me as if I were incompetent and in a condescending tone. I will no longer utilize this card and do not plan to ever be a customer of Capital One again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed all three credit bureaus a letter disputing some inaccurate things on my credit report. It has been almost 90 days and I have not received a response. I understand that COVID has caused a lot of thing to slow down, but this is a bit too long waiting for a response. Reviewing some of the the things on my XXXX  report makes me feel that I have been impacted by their data breach and my personal information has been used by the wrong person or persons. This has caused me quite a bit of stress especially dealing with the deaths  of my friends due to XXXX. I am asking that these items be removed from my credit report.
Product: Debt collection

On XX/XX/2024, I was contacted from this number by XXXX, they didn't leave a voicemail. So I called back and when going through the waiting process, there was no mention of the company nmae. So I waited till an associate came on the line and asked why I was contacted. They did not disclose any information. So I ended the call and called in again, spoke to another associate that told me they were looking for me and ir was a business matter. I said okay so what is this about you contacted me. They wouldn't provide any information and it final took me asking for the company name to know they were from Synergetic Communications , Inc. Then I called in a third time to them and it took speaking to another associate, where I was able to get answers. But it took him along time to provide me with answers into what is going on after I provided my name, address. And he repeatedly asked me if I had a different number as they keep files under phone numbers instead of the debtor 's name. So it took him reaching out to someone else and using my dob ( date of birth ) to get what the debt was and what it was about. I asked them to send me provide of the debt to the address that is attached to the debt to send an letter of proof for the debt.
Product: Credit reporting 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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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. Any other adverse item of information, other than 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 computer reporting agency if the person knows or has reasonable cause to believe that the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX - Contacted XXXX ( credit reporting company ) via mail to dispute a XXXX XXXX account that is in collections under company name, Waypoint Resource Group. I have NEVER had a XXXX account. 

XX/XX/XXXX - XXXX identified the information as accurate via Waypoint. I was instructed to contact Waypoint directly. 

XX/XX/XXXX - Contacted Waypoint via phone. The representative would not provide information about the account. He only wanted to get personal information from me and instructed me to contacted XXXX. 

Submitted an online dispute form with XXXX, indicating that I had contacted Waypoint. 

XX/XX/XXXX - XXXX, again, identified the information as accurate via Waypoint. I was instructed, again, to contact Waypoint directly.