23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Deceptive Payment Plan Practices by Synchrony Bank I was sold XXXX products by Synchrony and in both cases given a promotional rate and a minimum monthly payment. In the first product sold to me in XXXX, the agreement that I signed included a minimum monthly payment and the date of the end of the promotional rate. The date of the promotional rate coincided with the end of payment of the principal if I made the monthly payments on time. The agreement stated that if there was a balance after the cutoff date for the promotional rate, I would be charged interest on the entire principal rather than just the unpaid principal. While I was concerned that this was wrong, I signed the agreement knowing that I could cover the monthly payments and that would ensure that there is no balance on the ending date of the promotional rate. 
A few months later, I purchased the second loan product from Synchrony Bank. At the outset, the agreement looked very similar to that of the first product. A minimum monthly payment and the date of the end of the promotional rate was provided. I signed the agreement assuming that if the minimum monthly payment was made in time, the balance would be XXXX on the date of the end of promotional rate. However, the minimum monthly payment was much less than that required to complete paying off the principal by the date of the end of the promotional rate. 
On XX/XX/XXXX, which is the end of the promotional rate for the second product, Synchrony Bank charged me {$4900.00}. This amount includes the interest on the principal that I already paid. 
This practice is deceptive in my opinion because : XXXX. I should have been clearly informed that the minimum monthly payment in the second product was not sufficient to pay off the entire balance in the period of the promotion unlike the first product ; XXXX. Changing how much the minimum monthly payments cover the principal from XXXX product to another is a tactic to catch customers who may not read the entire fineprint ; XXXX. The interest should be payable only on the balance, and not on principal already paid because that reeks of gambling with the customer.
Product: Credit reporting or other personal consumer reports

My account is inaccurately reporting that this account was paid in settlement. This account was paid by the insurance agency therefore it was paid in full. I have never made any type agreement with BMW to settle this account.
Product: Debt collection

In XX/XX/2022 I received a letter from Credit Corp Solutions in regards to an debt owed. The amount they are claiming I owe is a lot more than the original amount. I asked them to verify the debt, to which they sent me back a letter with no documentation saying it was verified. I have another company trying to collect on the same debt, they gave me the proper documentation and the amount is correct. Credit Corp is trying to charge me double what is actually owed.
Product: Student loan

While out of work and in financial distress, Sallie Mae strongly advised that I consider a forbarence on my loans. I have not been informed of any other payment options. Among this, I inquired on multiple occasions about receiving a reduction in the interest rates on my loans. With over {$70000.00} in loans, they were charging over XXXX % interest. They refused to work with me.
Product: Debt collection

Billing statement received from XXXX XXXX XXXX Department ambulance billing for balance amount of {$950.00} on my wife 's account with due date XX/XX/. I wrote a check for this amount with the account number of XXXX ambulance billing written on it and sent in XXXX ambulance billing on XX/XX/. Posting date of check was XXXX indicating that the bill was paid. 
On XX/XX/ I received a Debt collections notice from XXXX XXXX XXXX XXXX XXXX stating that they are trying to collect debt that I owe the XXXX XXXX XXXX XXXX XXXX Department XXXX Services. I contacted XXXX billing on XX/XX/ to resolve that matter, with no resolution of it. I contacted the debt collector on XXXX  and per their advice sent copies of the posted check and of the billing statement from XXXX proof that the bill was paid- to them by email. They confirmed receiving the email. I have since called the XXXX. Collector 3 times, per their advice to check the status. They state that the debt is still in collections. 
So far the matter has not been resolved.
Product: Mortgage

Sending me false and threatening letters. This is the XXXX time. They ask that I immediately call them XXXX XXXX. Clear Path Lending.The letter states in the upper right say disbursement amount {$30000.00}, First payment XXXX XXXX. No such loan was made!! And to call them immediately at XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX my husband passed away. I lost his income as well, I didn't draw enough XXXX benefits to pay the mortgage payment & electric bills, water bill, all insurances. I told the mortgage company what was going on XX/XX/XXXX I had a appointment with Social Security to receive spousal benefits & I started receiving them XX/XX/XXXX. I tried to pay a payment XX/XX/XXXX the company didn't take it they told me my account was in the early process of legal services. I've had representatives come to my home & ask for my husband they were informed he was deceased thats putting so much stress on me. My daughter is XXXX years old & is in XXXX XXXX of XXXX XXXX XXXX. This is truly more than 1 person can take. I've lost my husband of 30 years & I'm loosing my daughter please help me keep my home.
Product: Debt collection

Debt is not accurate and neither XXXX or RMS can verify the correct detailed information on the amount they are asking for. Invalid debt. AND after requesting further information bc of in accurate documentation they sent a letter 10 days later still claiming I owe their amount of debt. I was under the impression that if i dispute this debt they are not to pressure me for 30 days. They will not listen when I say the documents are inaccurate and do not show the amount they are asking. They repeatedly call when I asked them to stop. They said this isnt up for debate and I owe that amount and they are reporting me.
Product: Credit reporting or other personal consumer reports

I have an unauthorized inquiry from US Bancorp on my credit report from XXXX of XXXX. I would like to removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Product: Credit card or prepaid card

In XXXX of XXXX I open an Apple Virtual Card, I am not sure but someone got access to my account, it could be that someone got information from my phone or some other way but whoever did that made purchases on my card from XXXX or XXXX of XXXX to XXXX of XXXX. I since to avoid any further problems or fees with Apple Cards/GS Bank XXXX XXXX I have paid the card and requested the other virtual card to be canceled and give me a new one. Nevertheless, this difficult and stressful situation has caused me a loss of financial and emotional hardships.
Product: Credit card or prepaid card

Dear Barclays Bank Delaware Please reinstate my Credit Card and my Line of Credit. The Account was improperly terminated. 

I have repeatedly asked to place this card on auto pay. You have my XXXX  XXXX XXXX account on file and you know my credit history is excellent. I am XXXX years old.

On or about XX/XX/XXXX I contracted XXXX XXXX [ this fact is not in dispute ] On or about XX/XX/XXXX i paid my bill. 

I also asked to be provide with a CC that did not have an annual fee since i was not going to be able to redeem my numerous miles that i accumulated. 

I was denied another path. So I was paying for benefits that i was not receiving. 

There was a dispute as to what happened to my miles. I had about a XXXX XXXX miles and XXXX free air fairs that were denied me. 

I already paid the Fee for the Frontier card for the year XXXXand thereafter my Credit card was wrongfully and without notice terminated My CC was terminated without notice sometimes around XX/XX/XXXX Contrary to Federal and NYS police, I I was not provide the option or address to make a complaint and dispute in writing by any of your representatives XXXX except the last. 

FCRA Credit Bureau, Disputes XXXX XXXX XXXX XXXX XXXX XXXX Another credit line was terminated in XXXX. I would like it reinstated as well No notice was given pertaining to the Termination of my two credit lines. 
credit card companies are required to give any notice. Although the Credit Card Act of 2009 says creditors must give customers 45 days ' notice of major changes to the terms of their accounts, courts have decided that a card cancellation caused by inactivity doesnt count. 

I would like all the miles i earned to be posted. I have used the card for business since the inception. I attempted to redeem my miles and was denied and mocked for asking in XXXX of XXXX I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. 

I would also like my free tickets for XXXX. I could not use them because of Covid. I paid for them in my yearly fees for the CC. 



I protest that this conduct is defiant to NYS and Federal Laws. 

As the world continues to cope with the impacts of the COVID-19 crisis, federal and state governments are offering relief and resources to Americans affected by the pandemic. In addition, many businesses and financial institutions are stepping up to provide some relief to those who are worried about their financial security. 

I would like my Credit rating restored : Lenders as required by the Coronavirus Aid, Relief and Economic Security ( CARES ) Act will not cause consumer credit scores to go down. Your closing of my two accounts did cause my Credit score to go down. In hereby emply XXXX support of the CARES Act urging all consumers who are in financial distress as a result of COVID-19 to contact their lenders and reach an accommodation. I am in medical financial distress from XXXX.
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 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 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, credit repair services, or other personal consumer reports

I reached out to each of the three credit bureaus by mail on XX/XX/XXXX, regarding the XXXX XXXX XXXX account XXXX. I asked each of the bureaus to investigate this account because I saw inconsistencies on the payment histories across each of the bureaus. The three bureaus conducted investigations and got back to me in writing concluding that all of the information concerning this XXXX account is accurate and verified by the creditor. 

Still, the credit bureaus continue to report inaccurate information. For instance, XXXX reports this XXXX account as being XXXX days late on XX/XX/XXXX, which is different from XXXX reporting 180 days late on XX/XX/XXXX. The XXXX report indicates that the account was CLOSED on XX/XX/XXXX and the other two bureaus do not indicate as such. Moreover, Equifax does not list any payment history at all for this account. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), once inaccurate information is identified, the credit reporting agency shall delete the information from the consumer 's file.
Product: Debt collection

Date opened : XX/XX/2019 Amount : {$370.00}, closed @ {$450.00} Contacted company, was not able to get this situation cleared.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX XXXX ( XXXX XXXX ) due to significant discrepancies and inaccuracies in the reporting of my account, which violate the Fair Credit Reporting Act ( FCRA ). The inaccuracies in the payment history and account information are causing harm to my creditworthiness and need immediate investigation and correction. 

The account in question was opened on XX/XX/XXXX, with a reported balance of {$220.00} and a credit limit of {$750.00}. However, the reporting of this account across the XXXX credit bureausExperian, XXXX, and XXXX riddled with errors and inconsistencies. Most notably, the payment history includes conflicting and inaccurate information. For example, XXXX reports no late payments, while Experian and XXXX both show multiple late payments. Experian lists 30-, 60-, and 120-day late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but XXXX reports only 30- and 60-day late payments during the same period. Furthermore, XXXX shows a 120-day late payment in XX/XX/XXXX that does not appear on Experian 's records. These discrepancies indicate that XXXX XXXX has failed to ensure accurate reporting across all bureaus, as required by law. Additionally, the charge-off status and related dates are inconsistent. Experian reports the account as charged off on XX/XX/XXXX, while XXXX lists the charge-off date as XX/XX/XXXX. The " Date Last Active '' also differs significantly between Experian ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). These discrepancies further highlight the lack of accuracy and proper record-keeping by XXXX XXXX. I was never notified of updates or changes to this account, including its charge-off status or adjustments to the payment history. This failure to notify me is a violation of my rights under the FCRA. Additionally, the presence of unauthorized and inaccurate reporting may constitute identity theft or misuse of my personal information. If XXXX XXXX can not provide valid documentation to substantiate the debt and correct the inaccuracies, I am requesting the immediate removal of this account and all associated negative marks from my credit report. These errors have caused undue harm, and I trust the CFPB will ensure that XXXX XXXX complies with federal regulations regarding accurate and fair credit reporting. 

Attached is a copy of my credit report with all discrepancies highlighted for your review.
Product: Debt collection

Unauthorized accounts have been identified on my credit report. I ask for these fraudulent entries to be removed immediately.
Product: Checking or savings account

On XX/XX/ 2022, my wife went to PNC bank for an international wire transfer of {$1500.00}. The bank office made a mistake, and the wire transfer was done twice ( {$1500.00} plus {$1500.00} ) without my authorization ( I have a copy of the signed paper from the bank for one wire transfer only ). The bank did not inform me of the mistake, and i found out about that only when i checked my bank account on-line few days later. As of today, after almost 3 months approx. the bank has not returned the money yet ( 2nd wire transfer of {$1500.00} sent out as bank mistake ). Every time I call the bank both : subsidiary and head office ; they have plenty of excuse and I am very frustrated because they do not want to take the responsibility of their mistakes. I need your help and support to make pressure to PNC Bank returning my money in my account. More than happy to hold a conversation with your representative.
Product: Student loan

I have reached out to Mohela about my income based payment program and the hold time was 4 hours I scheduled for a call back the person I talked to had no info transferred me to another line with a 4 hour wait time after 2 hours I hung up. I consolidated my student loans from XXXX percent to mohela only because XXXX kept sending me letters about how I qualify for the loan forgiveness program ONLY if I consolidated my loans I did and now mohela and the government is playing around with Americans once again. I promise you I will start a class action lawsuit against this I know Im not the only one this happened to I am so sick of the lies from going to college and getting this huge student loan debt to get a job where I have never even needed a degree for not even a job in the same field play with me if you all want to. I am so sick of this now I cant even get anyone in the phone for a payment program because I will not be able to afford to pay this student loans with the way this country is going the middle class is supporting the rich and the poor so that is where my extra money goes ask them for your payment
Product: Debt collection

Received a phone call from ( XXXX ) XXXX. The caller said they were with a company named Contract Callers , Inc., on a recorded line, and they had a personal matter to discuss with ( My Name ). First, they would need my personal address to discuss any further. I declined providing personal information unless she provided employee name, employer address, and telephone number in accordance with the FTC 's Fair Debt Collections Act. She simply said she was not going to provide this information and the phone number is on caller ID. I, again, declined to provide sensitive information until she provide the information. She said she was noting that I declined to verify and could not longer proceed further with phone call. I agreed and she hung up. I proceeded to research the company. I found out the company has made fraudulent attempts in the past.
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 unprotected and vulnerable. Also, the process to resolve a dispute was deceptive and unfair. They did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused financial loss and a significant inconvenience, and I seek appropriate redress of these violations.
Product: Checking or savings account

Wells Fargo sent me and my wife a promo to get money from them to start up a little small business to make purchases and deliver them to XXXX  XXXX people and anyone who are not able to go shopping for what they needed and I have the transportation delivery service and my wife goes shopping for them and purchased everything that they needed and she is a XXXX who takes care of them and go out and beyond to help them in anyway we can and they just pay for what they want purchase and just pay a small amount delivery service or transportation to where ever they needs to go to and we explained to Wells Fargo Bank everything about our small business to make money to purchase our own home and we needed four accounts checking personal and business and mobile checks deposit account and two savings accounts that have all access account which has the balance of XXXX for purchases and XXXX for ATM withdrawal and a check books and at first they told us to apply for a credit card for business and Personal and once our accounts were setup and they started switching up the information about our business and Personal accounts and kept denying the money transfer from the available balances that they gave us and added limitations to our business and Personal accounts and blocked our mobile checks deposit after we made a mobile check deposit for XXXX DALLORS and blocked our XXXX transfer funds from the available balances and they sent us two platinum debit cards to use for the two savings accounts that have the balances attached to them and they have continued to denied purchases and won't let us create our own ATM pin numbers for ATM withdraws or in store purchases or online purchases and setup these accounts since XXXX XXXX until today and they still haven't sent us our pin numbers or make any online purchases or transfer funds to our personal accounts or business accounts and they have continued to mislead us and have yet to release the mobile check that we deposit on the XX/XX/XXXX at for XXXX dallors and I have been reaching out to them and they kept giving us misleading information and false advertising and we have lost money and stopped us for helping others with whatever they needed and they have deceived us and we just wanted to save for a down payment for our own home and they have did the same thing to our the daughter who wanted to start up her own clothing line to make extra money for college since her bank accounts were compromised and hackers stolen her college trust fund that we put away for her to go to college and this is not fair and we are losing our costumers and Clients and revenue because of this situation
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of hard inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Hard Inquiry List : XXXX XXXX FOR XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX On XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX