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

I am in my 3rd attempt to dispute a charge from XXXX XXXX XXXX for a Project that was cancelled via text with his salesman XXXX XXXX. My husband signed the Agreement back in XXXX of XXXX and due to the lack of feedback from the company for a month we cancelled the job on XX/XX/2022, and they know the project was cancelled because they charged my account {$10000.00} in early XXXX. There was never any work performed or any items purchased, the owner of the company contacted us several weeks after the cancellation insisting that we allow them to continue the work informing us that if we allowed someone else to do the work it would be bad. After several emails and text he realized we were not going to let them do the work so he told us that he would charge us a cancellation fee ( {$10000.00} ). The Project never started the only documents that was ever signed was the agreement by my husband and I am being forced to pay for literally nothing because Synchrony accepts his fake paperwork. XXXX could not have purchased anything on our behalf because the design was never finalized, my husband didnt sign off on anything other then the agreement and I signed up for the Synchrony account thru their salesman. XXXX XXXX the owner sent unsigned documents as proof that they did work to Synchrony, insisting that we allow them to do the work and at the same time saying we didn't cancel. But then acknowledges that we did cancel and that we didnt receive a cancellation notice because he needs to send it to us. The documents synchrony is accepting is being created by XXXX to continue the lie because all we have from them is the initial Agreement letter, that only my husband signed. Again we didnt sign anything and didnt receive anything from Keystone not even the documents needed to start the project for the HOA. I dont understand why synchrony is taking his documents as proof without allowing me the opportunity to dispute, my account is being scammed by this contractor. I have attached the emails and the lawyers document along with Texas consumer law 601 regarding cancellations ( they can not be done electronically ) I have to have a signed copy acknowledging I understand their policy. Furthermore we didnt sign a sales slip or cancellation notice as I was informed by Synchrony customer service agent, he provided this after my lawyer sent a letter telling him that he was in violation of the Texas consumer code involving cancellations. I am being asked to prove that I am being frauded how do I do this when XXXX can make up documents with not wet signatures to prove they are right? Case # XXXX Synchrony Design Account
Product: Debt collection

I have received repeated emails from this company claiming that I owe a debt that I am completely unaware of and know nothing about. It is strange that I have been getting emails, but I did not realize the seriousness of this until recently. The information states that I owe a debt from a company called XXXX XXXX  that I do not owe. Please research your records and get this corrected immediately or I will be forced to take legal action here. In 2006, I found that I was a victim of identify theft, and I received a Judicial clearance from the judge attached, that shows that I was a victim. I was told that someone was using my information and it would be hard to control, but I have to put a stop to these inaccuracies immediately. I will contact my lawyer because this is getting out of control and out of hand.
Product: Checking or savings account

I started XXXX  about a week ago. I went to setup my XXXX account. Put all the info it asked me, including my social security # and my license. Then it didnt get approved. I called support and they told me to reply to said email. I did, and they asked me again to fill out the form. But this time they wanted my XXXX and said that a tax return was non sufficient. Which made no sense to me because you get your XXXX with your taxes. I resubmitted the application with the info, and they replied saying I didnt get approved again and that I could not resubmit. Ever since Ive called support over and over asking the same questions and get no where. They bring me all the way to the higher support, just to tell me to reply to the email again. I did so and they keep sending the email that says I can not resubmit again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX IS REFUSING TO UPDATE IN MY CREDIT REPORT AN ACCOUNT THAT IS NOT MINE ACCOUNT # XXXX OPEN SINCE 2019. 
BEEN DISPUTING THIS ACCOUNT FOR A LONG TIME
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Mortgage

StoneGate Mortgage sold my loan to another loan company without properly notifying me or having my approval. The only action they took to inform me this transaction is to send a good bye mail to my address when I was moving to a new place and traveling a lot for business. They never tried to call me or send me an email about this. 
I set up an auto-payment for my loan in the past few years and was never late for paying that. However, my auto-payment information was not updated when StoneGate sold my loan, which lead to late payment for 3 month and a dramatic drop of my credit score.
Product: Prepaid card

I purchased a {$200.00} gift card from XXXX on XX/XX/2023. I have not been able to use it at my landlord ( XXXX XXXX, XX/XX/2023 ), at XXXX ( XX/XX/2023 ) or at XXXX ( XX/XX/2023 ). The only transaction I have ever seen posted was a {$0.00} pending transaction on XX/XX/2023, which was reversed XX/XX/2023. 

I have contacted ( XXXX ) XXXX ; the representative " XXXX  '' simply confirm my card is valid, and also confirmed that the XXXX XXXX and XXXX transactions have been declined for security reasons. " XXXX  '' then asked me use the card elsewhere, but failed to tell me where the card would be accepted. " XXXX '' also asked me to call ( XXXX ) XXXX for customer service ; upon calling that XXXX number, there is only an automated message asking me to be sure to enter my card number, expiration date, and security code -- all of which I had done in the declined transactions. There is no option to speak to a live agent at the XXXX number.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I have found some information on my credit that is not accurate. I have been looking for a new job yet when my credit report is ran it seems like someone else information is coming up on my credit report. My name XXXX XXXX 
XXXX I work for XXXX XXXX  XXXX. My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX.The following address are not mine please delete/remove them : XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX , AL XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, AL XXXX . I would like a full report as well. The following number do not belong to me please delete them from my report as well. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

My payment was due in a Saturday, XX/XX/XXXX, payments arent processed over the weekend. I understand I made a mistake not paying it prior to the week and would receive a late payment. A late payment was added to my account on XX/XX/XXXX for {$37.00}. My payment the following Monday, XX/XX/XXXX was made to pay everything owed. Which should have left me going into XXXX with no balance forward. XXXX I have {$37.00} from XXXX, {$2.00} minimum interest charge, {$6.00} interest charge to equal a total of {$43.00} plus a {$37.00} late fee with another {$2.00} minimum interest charge for a total of {$82.00} now owed. 

I called to ask if the late fee for XXXX could be removed ( which Ive never asked for before ) out of good faith since it was my understanding that it should have been included in my payment. Which in turn should eliminate other charges as well. I spoke with a kind woman who after speaking with her supervisor said she could remove that late charge but the other charges would remain so I asked to speak with that supervisor because I didnt feel like my complaint was being understood. That supervisor told me he only could offer me a {$15.00} credit as he couldnt remove a late fee and if I needed help on this matter that I would need to hang up and go online and message someone. I shouldnt have to hang up to message someone after speaking with XXXX people. I told him after hearing that XXXX contemplating closing my card and he informed me if close my card he cant remove my late fee. When I asked for clarification on if it was a late fee removal and a credit he was offering he said no and that this wasnt a productive call and hung up on me. 

It is predatory to add on fees before a payment is made and to not have that included in the payment when opting to pay off the entire card and it is predatory to only offer removing a late fee if I keep my account open.
Product: Checking or savings account

I purchased two pairs of gloves from a company. I only received one pair of the gloves. I received the gloves after the second attempt to purchase. Ive contacted my bank twice ; both times being denied a reversal of the debit. I was told before the second denial the dispute was being researched between XXXX and PNC bank. 
Both payments were made using the same card, the company has not ( to my knowledge ) provided proof of a receipt for my first purchase or tracking details for the gloves. I did not receive the gloves the first time. 
I was smart enough the second time to use my debit card through XXXX for assurance and the gloves were received. I have a locked mailbox so they wouldnt have been stolen. 
PNC continues to deny my dispute because I authorized the transaction. I did authorize it but Im not in the business of donating money to companies. I expect that the merchandise will be received. 
I am frustrated because at this point PNC and XXXX both seem to be ignoring the fact that I didnt receive the gloves. I am not asking for the money back for any other reason.
Product: Credit reporting or other personal consumer reports

My grandfather passed away recently and I have been under a lot of stress. For the first time in years, I missed one payment on a credit card which was the XXXX  card. It was for {$40.00}, and I never would have missed a {$40.00} payment had I not been going through what I was going through personally. I contacted XXXX and Told them about the situation, and promptly paid off the entire balance not just the past payment. They removed the late fee, which now brings my balance to negative {$40.00} or {$40.00} in credit. If you look at my past record of late payments on any of my accounts you will not see any late payments related to any of my credit card accounts. All three of my credit scores went down tremendously due to one late payment. I contacted XXXX and XXXX and provided them with the new balance and the information given by XXXX. However, my credit score has yet to improve. I have been locked out of the TransUnion account for the 5th or 6th time, therefore I've had no communication at all from them. This is absolutely ridiculous that that my credit score dropped XXXX points over one late payment and they are so quick to drop your score, yet don't raise it again when you give them proof of what occurred. The credit bureaus are a scam. I also pay a fee every month for experience and have added numerous bills to their boost program, and not one time has my score risen. It is absolutely ridiculous what they do to people, especially those dealing with a close relative that passed away who is already going through a very hard time in their life.
Product: Credit reporting or other personal consumer reports

I believe my consumer rights are being violated per FCRA section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting erroneously that this account is open. 
I have no open account with Portfolio Recovery. 
I have no contract with Portfolio What is a factoring account? 
I have disputed and it has come back verified. 

I wrote to the BBB of Virginia on XX/XX/2018 and has been assigned case # XXXX The BBB response was as follows : " We have reviewed your complaint and see it is outside the realm of assistance provided through BBB. However, in order to be of some assistance, BBB has forwarded a copy of your complaint to the company. BBB did not request a response from the company, therefore, no further action will be taken by BBB and has closed your file. '' What??????!!!!! 

So, I paid them, and my account shows open and reporting, hurting my credit, and the BBB refused to help me and is useless.
Product: Checking or savings account

As advertise by Wells Fargo bank I have opened new account and followed instructions for direct deposit. This new account has promotion of {$250.00}. After several e-mail communications bank is refuse to pay promotion amount. They are claiming direct deposit is not valid. Account was opened in XXXX 2017.
Product: Credit reporting or other personal consumer reports

This dept collector engaged in abusive, deceptive, and unfair practices of the FDCPA which is prohibits. They furnished this account that we didn't agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and l did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA l 'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.
Product: Credit card

I am formally complaining against XXXX XXXX XXXX XXXXXXXXMILESTONE I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ).

I have contacted XXXX XXXX XXXX XXXXXXXXMILESTONE who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that XXXX XXXX XXXX  XXXXMILESTONE stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Product: Mortgage

Bank of America canceled my escrow account effective for XXXX XXXX XXXX 

I had to make a full payment of about {$1900.00} for XXXX XXXX XXXX. When I asked about the breakdown of XXXX XXXX XXXX  payment, I was told it included about {$700.00} for escrow. This means the escrow amount paid with the XXXX XXXX XXXX  payment which was paid after I received a check for escrow being held wouldnt have been included in that escrow refund check.
Product: Debt collection

I was originally living at XXXX XXXX XXXX in XXXX. The automatic payment systems did not auto-withdraw the payment, even though I was enrolled in it ( see attachment ). The total bill of {$1400.00} due on XX/XX/XXXX was already paid on XX/XX/XXXX for an amount of {$1500.00} ( including late fees, see attachment ). 

Later in XXXX of XXXX, I received a collections notice from National Credit Systems for this XXXX payment. This is a wrong collections, as I already paid. I sent a letter to National Credit Systems to remove this collections account and they did not respond.
Product: Checking or savings account

I received a cashiers check dated of XXXX XX/XX/XXXX and that funds was debited after a stop payment was issued. The letter states since the account was closed with a negative balance owed a check was enclosed. I havent banked with Wells Fargo since XXXX and havent received or heard anything in years. I dont know if this cashiers is fraudulent or not, Ill like to declare if it is or not. However I did just call the number on back of the disclosed letter, XXXX and states it is a collection agency attempting to collect a debt.
Product: Money transfer, virtual currency, or money service

in XX/XX/2019 i made hotel reservation thru Chase Travel, and paid total {$1000.00} for hotel in Greece.Hotel cancel my itinenary due covid 19 and notified Chase travel for refund.Chase Travel sending me notification about processing a refund, but not refunded yet. i spoke with dozen suprvisors over 12 month period and evryone agree that they unlawfully holding my money, but they have limited tools to help.its disgraceful.please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself. I'm not swayed that Transunion efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. Transunion is reporting inaccurate information on XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Checking or savings account

Well Fargo deposit accounts that were wrongly frozen and charged me fees after fees, some one wrote me two business checks, wells took the money and closed out the accounts. Totaling out to XXXX. I was always charged for some type of fee and and charge for things i didn't charge and i couldn't get my funds back.applied other incorrect charges to checking and savings accounts, and improperly froze some accounts several times where i couldn't pay my bills and now its on my credit and i cant open up another checking with other banks. I have actually file a law sue against Wells Fargo
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously submitted a compliant under case # XXXX. XXXX  did not address the concerns in my letter in the reply they submitted to the the CFPB : 1. The reply did not explain why the charge-off on the account was reported as of XX/XX/XXXX for over a year, and why it was changed to XX/XX/XXXX, after my dispute was filed in XXXX of XXXX. 
2. The response states the date of first delinquency reported to the credit bureau was XX/XX/XXXX, and claims that the change made, did not affect how long the information was to remain on my credit ; however, the information that I submitted, shows that the account was listed to remain on my credit file until XX/XX/XXXX prior to the update XXXX made to the credit bureau, and afterward, it shows that it remains on my credit report until XXXX of XXXX ( see attachments originally submitted and included again herein ). 
3. Additionally, the payment history included in the reply shows the account was dispositioned from the primary system of record on XX/XX/XXXX, which means the date submitted to the credit bureau is incorrect. 
4. Finally, the payment history shows that this amount was owing as of XX/XX/XXXX after the lease maturity occurred on XX/XX/XXXX ; therefore, the last day of payment should actually be XX/XX/XXXX. XXXX needs to correct this error in reporting of the details of this account.