23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I went to Lowes Home Improvement to return an item that I purchased on my LAR account. I had paid off the account weeks prior to the return. The customer service person would not refund the item, but told me Synchrony bank would have to send me a check for the refund. On XX/XX/XXXX I was told by the store manager and the credit manager at the bank the store should have refunded me. While talking to the LAR team manager he assured me they had the credit from the store and a check was already in the mail that same day and it would arrive to me in 7-10 days. I called Synchrony bank back XX/XX/XXXX, XXXX, XXXX, XXXX inquiring about my money that I had not received. I called Synchrony bank agin on XX/XX/XXXX and talked to a LAR team member that told me a check had not been processed. I asked to speak to her manager that told me the exact same thing, but said she could process the check then and would expedite it. She said she would file a complaint. I called again on XX/XX/XXXX and was told the check was supposed to be mailed out today! I have been lied to several times and feel I have been wronged and the bank needs to make their wrong right, by getting me my money and giving me compensation for the stress Ive experienced! Im sure others are experiencing the same thing, which is very unprofessional and unreliable! If I had not continued to call, this refund looks like it would have never been processed! Synchrony bank you need to check behind your trusted workers as this makes you look slack on handling volume!
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I discovered several unauthorized hard inquiries that I do not recognize. I contacted the credit bureau to dispute these hard inquiries and requested their are removal. Unfortunately, the credit bureau refused to remove them off my report. This issue is causing undue stress and negativity affecting my financial standing.
Product: Bank account or service

I have checking account that I allowed to become inactive. The bank charged me {$30.00}. a month for four months, totaling {$120.00}. I called the bank and they refunded half of the total. I believe that {$30.00}. per month is a ridiculous amount to charge for not writing a check. Is there anything more that can be done to get the remaining {$60.00}. 

Thank you for your advice and assistance.
Product: Money transfer, virtual currency, or money service

This company has discriminated against me, manipulated me, baited me, falsely accused me of a federal crime to an official government website when the crime was provably not committed, forced me to commit actions within my account so they could suspend my account because of an undisclosed vendetta they have against me or some sort of bias they have against me. They refuse to explain themselves, keep blaming their system and wont assume fault. I am attaching a thorough file that includes proof of : - my identity - bank statement - card ownership- their baiting, lies and manipulation - false accusation of a federal crime - review of prior correspondence and negation of their claims - personal statements and complaints - review of their acceptable use policy and checklist of my not infringing upon it - proof of identity theft This is a XXXX page document. Read everything. You owe me at least that much after all the emotional turmoil youve put me through. And if an American, decision-making employee could call me, instead of a computer or foreigner relentlessly copying and pasting or telling me the same thing over and over again, this would be dealt with a WHOLE LOT QUICKER. My number is XXXX. Ill be awaiting your response and I wont stop until you give me a satisfactory explanation.
Product: Credit card or prepaid card

About XX/XX/2020 I initiated a mortgage process through XXXX XXXX ( XXXX XXXX ). At the beginning of the process I was asked by the broker for a credit card to pay for appraisal. Upon providing the credit card information, the broker immediately charged my card for " professional services '' which is a fraudulent charge. 

I immediately sent notice to the broker the charge was not authorized and that I am immediately ending the mortgage process because of his theft. The broker responded by scheduling an appraisal of the home, despite being told to end the process. Several days later an appraisal was performed. 

I notified Capital One I am disputing the charge as it is invalid. The broker claimed the charge was to pay for the appraisal. I provided all documentation proving that I terminated the mortgage process days before the appraisal was scheduled. For reasons unknown to me, Capital One told me they were allowing the charge to stay despite my proof the charge was theft. I suspect this is a case of inter-institutional camaraderie ; one hand wash the back of another. 

The charge of {$500.00} was mere theft and I am entitled to my money. I think Capital One should pay punitive damage for what they had done as well, even if the damage goes to a good cause
Product: Credit card

I bought something with my credit card from a merchant and had a dispute. The merchant sent me the wrong item. My credit card company asked me to fax information. I let them know that I only have email and no fax. They said that they would pursue the claim without that information and if it fails, they would still reimburse me {$30.00}. I called to check on this. After waiting nearly an hour, I spoke to a representative that told me that they never offered to pay me {$30.00} for the incident. Instead, they would close the case without any resolution. At the moment, they have allowed a merchant to get away with theft.
Product: Vehicle loan or lease

I made my {$550.00} on XX/XX/XXXX ( due date XX/XX/XXXX ) to Capital One Auto Finance. On XX/XX/XXXX payment was reversed by Capital One Auto Finance - but monies were not returned to my facilitating bank account with XXXXXXXX XXXX I received an email telling me my payment was late on XX/XX/XXXX. I called Capital One we spoke with a supervisor who told us the website was under maintenance it was a glitch and would be fixed in XXXX days. I was told I would not be charged a late fee. On XX/XX/XXXX I received another email regarding the late payment and now a late fee is assessed. I called and spoke to a manager again - who said she would " waive '' the late fee. I told her a late fee was never warranted so " waiving '' the late fee is ridiculous. I advised them I wanted a confirming email of the issue and the fix. I was told that their department can not send emails. I asked for a manager over her. I was told that dept. didnt open till XXXX I would have to call back. I told her under the circumstances I should be able to have someone return my call. She said she could escalate but it would take XXXX hours to get a call back. This is unacceptable. They have not credited my account for the monies taken from my checking account, nor have they returned the funds to my account. Now they are assessing late fees. I warned of my legal and complaint actions if a late payment was reported to the credit reporting agencies.
Product: Mortgage

I received a letter in the mail from the current holder of my home mortgage which is Chase Bank. In the letter it showed my current rate of 3.375 and on the top of the letter it said " You could lower your rate to 2.641 '' My thought was that I could potentially lower my mortgage payments so I was wondering how much it would save me. Apparently when I asked them how much it could save me there was a hard inquire done by them on my credit report and I know this because I received an email from XXXX saying that a request had been made. 

Nowhere on the piece of mail they had sent me ( which I never requested ) did it state that they would pull a credit report on me by simply asking a question which they initiated and in doing so this hard inquiry would effect my credit rating. 

They sent me this information which I never requested. It was proactive by them not me. Had I known that this call would have an impact on my credit rating I never would asked them to pursue looking into how much it would save me. 

This information should be made clearly to the customer in the original piece of mail they had sent me that they would be doing a hard inquiry and that inquiry would impact my credit rating. 

I see this as an unfair move on their part which may impact me negatively with the credit bureaus going forward.
Product: Debt collection

CMI Group is constantly calling me regarding the collection of a debt. I informed them numerous times that I was not the person that they were trying to reach indicating they were calling the wrong number. I have repeatedly asked them to stop calling me, correct the information they have on record and remove my number from their records. They continue to call me from other numbers so Im not able to prevent contact even after consistent blocking. This disrupts my work day and ties up my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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
Product: Mortgage

My loan was sold to  Regions Mortgage. I received a threatening letter concerning the status on my insurance. The Regions insurance representative informed me that YOU at the CFPB write the letters and that they are the only letters that can be sent out. It is rude, grammatically incorrect and threatening.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as a follow-up to my complaint last XXXXyou are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., Please block these items that resulted in alleged identity theft : XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX  XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Debt collection

XXXX # XXXX This company has been reporting this a fraudulent! Account was closed and charged off as of XX/XX/XXXX. Its XXXX. 
15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate XX/XX/XXXX Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) PATIENT/LAUNCH I am writing to formally dispute the accuracy of the information contained in my credit report issued by your agency. Under the provisions of 15 U.S.C. 1681e ( b ), you are required to ensure that the information provided is accurate, complete, and up to date. I have reviewed my report and found the following error ( s ) that I believe to be inaccurate : This information is incorrect, and I request that you conduct a thorough investigation and correct this information accordingly. I have attached relevant documents to support my claim, such as : In accordance with 15 U.S.C. 1681i, please initiate an investigation into this matter and inform me of the outcome. I request that you update my credit report as soon as the investigation is complete, and that you send me a copy of the corrected report. If the disputed information is found to be inaccurate or unverifiable, I ask that it be removed. 

Please let me know if you need any further information to process this dispute. 

Thank you for your prompt attention to this matter.
Product: Debt collection

Security Credit Services , LLC has been harassing me and is suing me for a debt that is a result of identity theft and has failed to produce any proof that this alleged debt belongs to me. I've sent them copies of an identity theft police report, IRS Identity Protection letter and an XXXX Identity Theft notice and are in violation of : 15 U.S. Code 1692e - False or misleading representations Nebraska Revised Statute 25-824 Rule 11 of the Federal Rules of Civil Procedure
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized hard inquiry showed up on my credit report on XXXX from XXXX XXXX XXXX XXXX XXXX. I immediately contacted all 3 credit reporting agencies to place fraud alerts on my credit report. I have also contacted XXXX XXXX and alerted them of the potential identity theft. I was informed by the bank that a credit card application was submitted using my personal information. They have canceled the application and offered to send letters to credit bureaus to remove the inquiry from my report. 
I am filling this report for record purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit report was run without permission. I was a previous jpcmb card holder and have closed my account years ago
Product: Debt collection

I have sent multiple debt validation letters to United We Collect Inc, formerly known as United Collection Service , Inc . I sent the original debt validation letter on XX/XX/21 and sent a second validation letter on XX/XX/21. I did receive correspondence from United We Collect in the mail. This company has failed to validate this alleged debt. Instead, they sent an itemized list of charges along with a copy of a patient statement from my medical records which I know is a direct violation of Hipaa regulations. United We Collect Inc has violated my Hipaa rights. I've never signed a Hipaa form authorizing them to have access to this information. Please terminate this account and cease all collection activities or I will be forced to take legal action in response to this violation. I have attached the forms that were sent to me for your review.
Product: Credit reporting or other personal consumer reports

I spoke with supervisor- XXXX on XX/XX/XXXX in regards to a unknown credit card balance. I have been trying to log into my account for several months before the above date but kept receiving an error message when I would attempt to log in with user/email and password, I tried to reset my password but I would never receive the password change request email after making several attempts to reset it. I I was no longer using the credit card so I wanted to close it before I was charged any ( annual ) fees. So on the same day I tried once again to log on and after getting the same result I decided to contact your customer service dept. 
I spoke with a supervisor, XXXX XXXX and he explained my account was past due and over 120 days past due and I asked how is that possible when the card has not been used and I asked why was I not notified of this and was told that I had been notified several times. I asked in what form and he said by phone calls and emails. I then asked what info is on file and he gave me phone #, email and address that did not belong to me or anyone I knew. I was absolutely floor 'd because I couldn't understand how was someone able to get access to my account when I was in possession of the physical card. He informed me that all my personal information had been changed in XXXX though your website .... and I was never notified of these changes. I should have received an email confirming these changes but nothing and what was even worse, I asked XXXX can I make changes back to my correct information he informed me I would need to get validated that I am the owner of the account ... ..WOW!! Where was that kind of security when I needed it? XXXX said because it was done on your website, as if that made me feel better. 

I am a responsible adult that works hard at maintaining a good XXXX XXXX ; however in XXXX of XXXX I suffered a serious car accident that left me severally injured and in turn left me out of work where I eventually was terminated because I was unable to return back to work any time soon. During that time I suffered financially which hurt my credit pretty bad. After sometime I was able to start back making payments and I was able to settle on some of the account balances for a lower amount. Not what I wanted to do at all because that only added to my credit problems but its what I had to do to start turning this around. 

I asked your representative how does this get resolved and he explained I would need to pay it in full. 

Had I know at any point and time I had a balance I would have paid it the first month it because again my intentions were to close this account and work on bringing up my credit score, this was the last thing I needed or expected. The company has a duty to me to keep my account info safe and to inform me of any changes made to prevent fraud. 

As of XX/XX/XXXX XXXX XXXX reported this account as a CHARGE-OFF so now I have a brand new mark on my report due to my account being compromised. I hope we can reach some type of agreement that can be beneficial to me as well as your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been receiving several collection notices from companies that do not list an original creditor. I'm also receiving alerts from my subscription service through XXXX and ProtectID that these " collections '' are only hitting the XXXX XXXX. The best I can tell these debts are 2018 and they are large amounts I do not recognize nor has any one previously contacted me about them. These written notices should be required to provide all pertinent information from day one. According to XXXX reviews, some of these companies are listed as fraudulent. They do not populate anywhere else. I have tried to reset password on XXXX to dispute these items and it keeps telling me DOB and SSN are not a match. I've tried calling the toll free customer service line and it's limited options to who can speak to a live agent. Instead, I tried through XXXX to troubleshoot access, update information and initiate disputes but they sent me back to the call center on Friday. They have limited hours XXXX XXXX XXXXXXXX CST which is a direct conflict with my work schedule. You also can not opt to speak with a live person! I certainly don't know the " trick '' or work around to get to a live agent. I can not miss work and continue to spin my wheels to get this resolved. These credit reporting agencies have too much power over our livelihoods! " Thanks for that information. Unfortunately, I am unable to locate an account with the information provided. Is it possible that we may have other details on file for you? Can you provide a screenshot of an email that we may have sent to you in the past? XXXX XXXX This is an example of the back and forth back and forth all day Friday!
Product: Debt collection

The initial compliant number was XXXX Pennsylvania HIGHER EDUCATION ASSISTANCE AGENCY in XXXX, PA are still attempting to collect a purported debt that is not owed at all. They stated that they are not going to do anything else and here is proof that they are XXXX LIARS. XXXX XXXX, has been satisfied with the payments that have been provided and XXXX, is not collecting so why am I being harassed Pursuant to section 806, 15USC1692d ( 1 ), and ( 2 ) by A XXXX SET OF DEBT COLLECTORS, I am nervous and upset by them attempting to GARNISH the little money that I make and I have been working with the XXXX XXXX XXXX XXXX teaching school for the past 15 years and this CORPORATION is trying to garnish my pay. I really need to be compensated for their disregard for the CEASE AND DESIST ORDER. I am filing another complaint so they will know please do not attempt to contact me again. I will also file a Court case against them if they call me a borrower one more time. I also need them to send me a check in the amount of {$10000.00} for harassment. These people XXXX do not want to work and want me to become a slave for them. I am already dealing with enough. I do not want to see anything but a check in the mail. These XXXX better obtain a job like I have and they have the nerve to want me to send my information to them concerning my banking and investment assets really. These people need to send me money for even asking about my private information. XXXX CEASE AND DESIST, CEASE AND DESIST CEASE AND DESIST. The rest of the DEBT COLLECTORS have been satisfied and here you come trying to get my signature so you can obtain money there is none so why are you trying to steal from me. STOP STOP STOP. I have the full faith and Credit of the United States and this DEBT COLLECTOR is in Commerce not I a Natural Person who has power to obtain anything for family, personal, and household use. The CROOKS ARE IN COMMERCE. ESPECIALLY XXXX XXXX XXXX XXXX I KNOW NOTHING ABOUT THESE CROOKS.