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

This complaint is in regards to my B of A XXXX XXXX card ending in XXXX. On XX/XX/20 I logged into my account and noted two charges that were not mine. I immediately tried calling the B of A dispute number provided on the web page ( XXXX ). I was put in a queue that neither told me how long the wait was, or what number customer I was in line. Periodically, between awful musak, a message reminded me to " Continue to hold and I will be answered by the next associate '' and that " Your call is important to us ''. During the time I was on hold, several more fraudulent charges appeared on my account. I was able to suspend the account/card on my own ( with no assistance from B of A ) during this time. After over 2 hours of MY time on hold, I gave up and ended the call. 

Over the next two days I tried to call several times to this number and another number ( XXXX ) also provided by B of A. Several ~ 2hour waits on hold ( again with no information about the queue ) resulted in the call being dropped/ended by B of A without my being able to speak with anyone there. I tried also to call the regular customer service number provided on the back of the card ( XXXX ). Here I had to provide my debit card number, and last four digits of my social security number. Then provide the card number several times to the customer service associate I reached, followed by D.O.B. address, phone, and a security question. Twice I reached someone and was told they could not help, but offered to transfer me back to the line I had already tried to call unsuccessfully which I explained would not help in any way. The last time I called, I demanded to speak to a supervisor and was transferred to " XXXX '' in the fraud department. 

XXXX seemed to understand my frustration and after again asking security related questions, offered to transfer me using an " internal '' number that isn't given out to customers to get me in touch with someone to resolve this situation. I was again put on hold and heard the familiar recording ( " Continue to hold and I will be answered by the next associate '' and that " Your call is important to us '' ). After ~ 90+ MORE minutes on hold I again gave up and plan to call customer service again. 

This problem follows other issues with B of A including their arbitrary cancellation of one of my credit card accounts that i did not want and that they refused to fix ( an account that was 15 yrs old ) and the company 's charging me {$12.00} a month for the privilege of having another credit/debit account with them. Because I have a relatively low balance, B of A feels they can charge ( steal ) {$12.00} a month from me. This complaint should reach XXXX XXXX and various people in departments from customer service, fraud, debit cards, and software/programming should ALL be FIRED
Product: Credit reporting or other personal consumer reports

This company has been reporting on my consumer report for a while, I sent this company a cease and desist & they still refuse to stop all collection activities. I also did my due diligence and looked at XXXX and I saw that the company is not bonded or licensed in South Carolina to collect. So Im trying to figure out why this company is trying to collect from me. Can you please get this company to stop trying to collect from me because at this point its illegal.
Product: Mortgage

XXXX bank bailout was suppose to help.borrower instead emc/Chase bank used greed to put me in XXXX XXXX ext maturity XXXX then another hamp XXXX ext me 30yr you can not get two hamp back to back no default involved after pay 22yr on 30yr fixed principal came atop then XXXX modify start over with interest atop again so I will never own home 32yr still.pay interest atop not fair 40yr interest on one loan loan should have based payment on XXXX divide income of XXXX month making XXXX affordable but to get 30yr from me you made my p & i XXXX so greedy investor continue get paid now I die never got my house i paid for since maturity went XXXX to XXXX i need to know if emc told Chase i was not new i was paid in full as far as interest on loan they should have went to next victim i been here 30yr i paid my loan i refuse pay twice don't let endChase steal my home
Product: Debt collection

On XX/XX/XXXX Radius Global Solutions called me and stated this was an attempt to collect a debt. I said I don't owe anyone. They said I owed {$750.00} to XXXX XXXX XXXX for charges related to phone number XXXX ( a phone number I have never had in my life ) from XXXX in the year XXXX. I informed them this was incorrect. I never had that phone number and I owed no company any debts and that all of my financial affairs are in order and have been preceeding said dates. They did not listen and proceeded to threaten me with a legal referral and report to the credit agencies. At best they said they would send a letter to XXXX XXXX XXXX stating the customer said the charges were fraud but that I would have to call XXXX XXXX XXXX and work that out with them while they report to my credit. I got upset because these charges are not mine and I'm about to by my dream car in 3 months and I can't have anything hit my credit report so I paid the bill in full and told them I would file a law suite ( which I am ) and I would report them to you. 

This debt is not mine. I do not owe XXXX XXXX XXXX {$750.00} from XXXX  for XXXX. I have never had that number in my life all my phone numbers in North Carolina have all began with area code XXXX. Never once area code XXXX. Never. 

After I paid the bill they did not provide any receipt of the transaction. The only gave me a confirmation number which is XXXX They the acct number was XXXX.
Product: Credit card or prepaid card

Synchrony Bank has lowered the limits on all my credit cards to half of what they were. As a result, I have never been late on any account. Unfortunately, this has significantly lowered my credit score by 125 points because now my credit utilization is showing almost double what it was because of their action. 

What is XXXX is that they say they are doing this because my credit utilization was going up. Synchrony is not the only financial company doing this ; I've had XXXX, XXXX, and others. My credit utilization was going up because my other credit limits were being lowered. They are ruining my credit! 

These companies purposely affected my credit score. Unfortunately, I'm not the only one suffering from this indignity. Many Americans are being subjected to this scam and during one of the worst crises in history. 

This should be illegal. If anything, freeze the credit limit and don't allow purchases once you reach a certain point. This would at least not affect credit scores. Credit card companies need to be held accountable for this action. The bills passed in Congress regarding mortgage and credit card forbearance don't go far enough. It should have protected bill-paying customers, so their credit scores weren't impacted. 

Credit Cards are needed, and during good times they sure don't mind increasing your credit limit. However, something needs to be done and quickly. This should be illegal. I could understand if I was late or late on other cards multiple times, but this wasn't the case. Calling doesn't help because they won't do anything about it. I hope some Congressional action is taken to stop this nonsense.
Product: Credit card or prepaid card

On XX/XX/2022 having unresolved charges for 6-months for non-received items from Amazon which were charged as delivered to my Amazon Prime store card, I paid in full and when posted to the account at XXXX balance I closed the account. Now in XX/XX/2022 ( 7-months later now ), Amazon has posted the credits which were due me to this closed account ( one month after closed ). Synchrony Bank has allowed transactions to occur on a closed account. This is unacceptable and must never happen, yet it has. In conversation with Synchrony, the representative with whom I spoke seemed to think this was fine and dandy since the transaction was a credit rather than a charge. I DON'T CARE. They allowed activity on my closed account!!! This must not be allowed- EVER! That is my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute for the inaccuracy of these accounts and submitted it to Experian, XXXX, XXXX, and the company itself, but no one has responded. On XX/XX/2022, I filed a Validation of Debt to Experian but still no response coming from them and refused to remove the inaccuracy items from my credit report.
Product: Debt collection

Transworld Systems INC, a debt collector reported that I was delinquent even after I made payment of complete agreed upon amount towards settlement. 
Transworld Systems INC had confirmed that they will not report if I make the full settlement payment. After I called and informed they corrected their reporting error, but the harm was done by then in terms of incorrect reporting to Credit Bureau 's resulting in my lower score for the month XX/XX/XXXX. 

I would appreciate if corrective actions are taken before incorrect report is sent to credit bureau 's. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete this account : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  Has violated many of my rights concerning my privacy and securities. 

Per 16 CFR 313 model privacy form. I have a right to opt out of the company sharing my personal and financial information.

Per 16 CFR 313.7 methods of opt out. I sent a written notice to the company of me reserving my rights verbal non verbal written non written.

15 Usc 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX, TX XXXX Email : XXXX Date : XX/XX/2023 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX CC : Consumer Financial Protection Bureau Dear XXXX XXXX XXXX write to express my acute frustration and disappointment with your flagrant mishandling of my previous request. Your egregious errors have not only violated Section 611 ( 15 U.S.C. 1681i ) and Section 623 ( 15 U.S.C. 1681s-2 ) of the Fair Credit Reporting Act ( FCRA ), but they have also put me at a significant financial disadvantage, causing unnecessary stress and emotional turmoil. 

The accounts I demanded to be added are as follows : XXXX. XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX- [ XXXX ] XXXX. CAPITAL XXXX - [ XXXX ] XXXX. XXXX XXXX - [ XXXX ] XXXX. XXXX XXXX BANK - [ XXXX ] XXXX. SYNCB/AMAZON PLCC XXXX XXXX XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX XXXX XXXX - [ XXXX ] XXXX. XXXX BANK - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] XXXX. XXXX OF XXXX / XXXX - [ XXXX ] The failure to include these accounts in my credit report adversely impacts my creditworthiness, hampers my financial planning, and obstructs my eligibility for loans and credit applications. This is an unacceptable and grievous error, which I demand be corrected immediately. 

I insist upon the following : XXXX reinstatement and addition of all the accounts listed above. 
Written confirmation acknowledging this correction. 
An updated copy of my credit report reflecting these changes, as per FCRA Section XXXX. 

Failure to comply within the XXXX FCRA-mandated window XXXX force me to escalate this issue by filing formal complaints with the Consumer Financial Protection Bureau XXXX CFPB XXXX and pursuing all available legal remedies under Sections XXXX and XXXX ( XXXX U.S.C. XXXX and XXXX ) of the FCRA. 

This is your final opportunity to resolve this before I take further legal action. I expect immediate and effective resolution. 

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

My XXXX XXXX XXXX credit card XXXX XXXX Statement said that I needed to pay {$200.00} in order to avoid the deferred interest on my account. 

I paid {$210.00} on XXXX XXXX. My due date was XXXX XXXX. 

The company distributed my payment between three different balances, but nowhere in the statement, nor in the terms and conditions, was this business practice explained. 

I am therefore filing complaint for lack of transparency in the company 's method for allocating payments. In most credit cards, all transactions are added together and the minimum payment amount applies to the entire account, not individual transactions. I thought that I was paying both the minimum payment and the remaining balance on my transaction whose promotional period ended on XXXX I have consistently paid in excess of my monthly minimums. If the amount needed to pay off my expiring balance was clearly and transparently stated, I would have provided a large enough payment on XXXX XXXX to pay off the balance. 

I now have {$510.00} of interest charged to my account although my remaining balance was less than {$30.00}. 

I called the company and was told to formally file a complaint since the line manager does not have authority to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Items in good standing keep falling off my credit report causing my credit score to drop significantly. Major financial is in good standing with {$5000.00} credit limit and XXXX  balance due
Product: Debt collection

In XXXX XXXX, I received a copy of my credit report, in detailed it showed a collection from a third party company called Fair Collections and Out. This debt collector reported that I owe {$3300.00}. Consequently, this is a false attempt to collect a debt that was stolen from the original company- XXXX XXXX who did not solicit or file with Fair Collections and Out. When I spoke with XXXX the leasing agent from XXXX XXXX he stated, " He was not aware that XXXX XXXX had filed any actions against the account. '' In XXXX XXXX, myself and my roommate moved out of the apartment due to a fraudulent check that was written on the account. XXXX stated, " if we left before XXXX and did not leave the place in disarray he would not file an eviction against us. Now a year later there is an attempt to collect a debt from an account that is reported as a XXXX balance. According to the last printout, myself and said roommate does not have any monetary obligations to this property. 

I have sent emails, letters to each credit bureau, and a formal letter to Fair Collections and Out asking that this debt be removed. I have not received any responses from the either company. I have not received any documents stating that this account is validated by XXXX XXXX. 

Please look at the bottom of XXXX and you will see that the balance is XXXX.
Product: Credit reporting or other personal consumer reports

Hi I never signed up for a chase account in my life please remove.
Product: Debt collection

On XX/XX/2018 I hired a credit consultant to handle this for my behalf. My credit consultant has been trying to reach them since XX/XX/2018 regarding this XXXX XXXX XXXX judgement. They never reached back to her in order to try to resolve this matter. I am concerned that they are not professional in the services they provide. I would like an investigation regarding this attorney 's office. I would like for them to contact XXXX XXXX at XXXX in order to discuss options in resolving this debt.
Product: Debt collection

On XX/XX/XXXX. I received an alert from XXXX Credit Bureau regarding a collection item on my credit report. I don't know who XXXX  XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted XXXX XXXX, XXXX, and XXXX and disputed it. When I contacted XXXX XXXX at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with XXXX XXXX. I spoked to XXXX XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at XXXX XXXX did not remove the item. 

My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Product: Credit card or prepaid card

To Whom It May Concern, My name is XXXX XXXX, my new capital one account number is XXXX. I have been a satisfied customer of Capital one for over 9 years. 

Capital ones outstanding customer service is the reason Ive remained a loyal customer. Ive always considered it a priority to make all my payments on time. Unfortunately, My account was compromised. Fraudulent charges were made on my account without my knowledge in the month of XX/XX/2019. Sadly, on my credit report it states I was 120 days late from XX/XX/2019 through XX/XX/2019. 

I had been carrying a sizable balance for several months. Then, I finally paid off the full balance in XXXX of 2019. 
I decided to pay off my balance because I knew I would be out of the country for several months to take care of a family member. 
Upon returning to the XXXX I realized my account had fraudulent charges and my card was missing. I immediately reported it to the credit card company. The representative took my claim but unfortunately did not file everything correctly. He had only disputed a portion of the claim. So I had to dispute the fraud charges a couple of times. As a result my claim was resolved in my favor. ( I have attached a copy of the proof with this letter. ) Capital one records will show I had never been late with a payment prior to this unfortunate event. As a long-time customer in good standing and for the integrity of the account, I respectfully requested to remove the late payments from my file as it is adversely affecting my credit report. The reporting of the late payment to all 3 credit reporting agencies should have been avoided by capital one due to them preforming a through investigation which clearly proved the charges indeed were fraudulently made.Thank you very much for your consideration and hope to hear from you soon. 

Respectfully, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 2V.31 financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

On XX/XX/2021, I submitted an over the phone payment to Caliber Home Loans in the full amount of {$2900.00} My husband and I were looking to do a refi around this time and were informed not to make the payment for that month. However ; we decided that wouldn't be the way to go and to make the payment. After calling caliber customer service the agent insured us the payment would be received that same day on time with no problem. And of course this was our first time ever making a payment over the phone. 
Records will verify.
Product: Money transfer, virtual currency, or money service

I sent XXXX XXXX  on gcash using sendwave for my XXXX  last XXXX weeks ago, and the status is still processing until now. This was on XXXX XXXX, 2024 and then I checked on the other day, it is still in processing status. It says that the recepients first name is incorrect. I used his name always, but then I was shocked, why is it somethings wrong with his name. So I tried to contact you guys but it went to an automated message.
Product: Credit reporting or other personal consumer reports

I have a missing account on my Transunion consumer report. I wrote transunion already to inform them of the missing accounts that the other agencies have reported. 
ACCOUNT # XXXX XXXX XXXX account # XXXX opened XXXX amount {$1000.00} status closed.
Product: Credit reporting or other personal consumer reports

For whatever reason XXXX XXXX is now making more errors on my report than XXXX has historically been doing. This account is closed! Why they keep XXXX XXXX the reporting on it is beyond me! Per FCRA laws I should not have to keep disputing the same accounts over and again with this inept bureau! The bank is no better because they're positively and ultimately RESPONSIBLE FOR ALL REPORTING TO THE CREDIT BUREAUS!!! So I'm including them in this complaint because the reporting is coming from them directly! So they and XXXX XXXX are completely inept! The CFPB just sued XXXX and XXXX for constantly not taking care of disputes filed by consumers. Do you want to be next?????? You recently got sued for misreporting info on employment background checks! I keep up on what's happening because I subscribe to the CFPB notices. FTC, XXXX and FDIC too! So I'm not an unaware consumer, I'm VERY aware of what is going on! So you're probably on the list to be next to get sued for bad business practices. The banks have been getting hit hard too and I'm glad!!!! All of you deserve to be put out of business! This is inexcusable. Both accounts have been closed for years! So this constantly getting info incorrect will not continue to go on! It will come to an end even if I have to force that end!!!