23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XX/XX/2020 : I call Synchrony Bank to inquire why transactions aren't going through. *transactions are denied thru money in my PayPal XXXX and from my bank, despite funds being available. I escalate to dismiss all late fees. 
call lasts XXXX XX/XX/2020 : Email frXXXX XXXX  -- Payment confirmation received XX/XX/2020 : Email from XXXX -- Your payment was returned XX/XX/2020 : Email from PayPal -- Payment receipt received XX/XX/2020 : Email from PayPal -- Your bank declined payment XX/XX/2020 : Closed account XX/XX/2020 : Call Synchrony Bank to inquire why account closed. Am told I missed payment in XXXX XXXX lasts XXXX XX/XX/2020 : Email from PayPal -- Your payment is scheduled XX/XX/2020 : Called XXXX to ask how payment is distributed. Agent says payments apply to special financing last if customer doesn't call and dictate how they want the payment distributed. 
XX/XX/2020 : Email from PayPal -- Your payment was not applied XX/XX/2020 : Contacted XXXX XXXX to inquire about denied transactions and agent says transactions were never attempted. " That's odd. We don't ever block payments to customers bills or credit card. '' For nearly a year, I have been making payments to PayPal and they have been returned by Synchrony Bank. This month has been the most egregious delay in scheduling the payment and getting a notice that the payment was not applied. Regardless of what bank account I pay from, even if I attempt to transfer money from my own PayPal account balance within PayPal,  Synchrony claims the transaction is denied or the payment isn't applied. 

It seems purposefully confusing because notices come from PayPal but payments go through synchrony and synchrony blames it on PayPal and PayPal blames it on synchrony. Synchrony also blames my bank ND my bank says they have no record that there has even been an attempt to put the transactions through. When they do go through, it is applied however Synchrony decides rather than customer interest or special financing purposes. 

Lastly, the late payments and closed account have significantly impacted my credit score and the stress is unnecessary, especially given the times. It's confusing, expensive, and wastes my time.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Current Address ( es ) : XXXX XXXX XXXX  XXXX XXXX, CA XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX  XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX  XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CO XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Employers : XXXX XXXX XXXX XXXX Employers : XXXX XXXX  XXXX Employers : XXXX XXXX Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I am filing this complaint about the Forgery of the furnisher I have attached all my correspondence from Equifax, XXXX, and The courthouse.
Product: Checking or savings account

I opened the Citi Wealth Management Act # XXXX on XX/XX/18 under promotion transfer asset over 100K get {$600.00} I did everything I required for that promotion and called many times XXXX since XX/XX/2018 But they are not honor that promotion, I only get XXXX from them.
Product: Mortgage

Green Tree Servicing bought out our XXXX mortgage. Since then they have been out of compliance with our original mortgage with XXXX. We pay our mortgage on a bi-weekly basis. The extra half payment that occurs twice a year is not being applied to the principle balance they also are withholding escrow payments from these payment. These payment should be immediately applied to the principle and not left in their unapplied funds account, additionally, no escrow should be withheld.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are various items that are not reporting correctly and some collections that are not mine please see XX/XX/XXXX doc attached that details every inaccurate entry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!
Product: Credit reporting or other personal consumer reports

Sheffield Financial holds my installment account for a small loan of XXXX that began XX/XX/year>. 
Acct # XXXX I set up autopay online and made consistent payments manually for XXXX. The autopay began in XX/XX/year> and was completed without error. However, there was some internal error either within Sheffield or my bank which led to a 30 day late payment on XX/XX/year>. I was never notified by Sheffield that the autopay of XXXX was not completed so I assumed it was processed. 
This is the only 30 day late payment on my credit and its preventing stellar scores. Sheffield has not been cooperative in admitting any communication fault nor offering any good will adjustment on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE ALL FRAUDULENT ACCOUNTS AS I HAVE NO KNOWLEDGE OF ANY OF THESE ACCOUNTS DUE TO THE XXXX DATA BREACH. ALL OF IT IS BEING INVESTIGATED BY THE FTC. ACCORDING TO FCRA XXXX THIS INFORMATION MUST BE BLOCKED IMMEDIATELY. 

CAPITAL ONE BANK - XX/XX/XXXX {$810.00} ACCT # XXXX UNKNOWN CREDITOR - ACCT # XXXX {$320.00} XXXX XXXX XXXX - XX/XX/XXXX {$21000.00} ACCT # XXXX XXXX XXXX XXXX  - XX/XX/XXXX - ACCT # XXXX {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$160.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$1500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT WAKEFIELD {$780.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT Account Number XXXX Account Number XXXX Account Number XXXX
Product: Mortgage

I requested the PMI be removed from my loan as my loan has reached the 78 % Loan to Value ratio that is stated in The Homeowners Protection Act of 1998 ( HPA ) requiring removal at that threshold. My mortgage servicer is refusing to remove the PMI and stating : " Servicer ( XXXX, XXXX XXXX ) must deny borrower 's request for Mortgage Insurance ( MI ) Termination, unless borrower chooses to order a BPO or an Appraisal to determine eligibility for MI Termination based on Original Value. '' My loan is supposedly owned by XXXX XXXX. The original purchase price of the house in XXXX was {$420000.00} and it was recently assessed by XXXX XXXX XXXX at {$540000.00}. The current balance on the loan is {$320000.00}.
Product: Credit reporting or other personal consumer reports

Creditor : XXXXXXXX XXXX XXXXt Account : XXXX I am filing this complaint regarding inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my effort to resolve this matter with the reporting agency, it remains unsolved. I am requesting immediate investigation and removal of these items due to it being incorrect and does not reflect my true and accurate credit.
Product: Credit card or prepaid card

I tried to increase my credit limit with capital one account ending in XXXX.I was denied and received two letters of denial.These are probally hard inquiries which will result in a change on my credit score.I didn't apply twice for a credit increase, only once.
Product: Mortgage

I HAVE AN ADJUSTABLE RATE MORTGAGE ( ARM ) THAT RESET ON XX/XX/XXXX. THE LENDER, FIFTH THIRD MORTGAGE ONLY PROVIDED ME WITH A 1 PAGE DOCUMENT STATING THE NEW RATE & MONTHLY PAYMENT. I CONTACTED THEM TWICE REQUESTING ADDITIONAL DOCUMENTATION, SUCH AS AN AMORTIZATION SCHEDULE, AND WAS FIRST TOLD THAT THEY COULD NOT PROVIDE IT. WAS THEN TOLD IT WOULD BE MAILED TO ME ON XX/XX/XXXX & HAVE NEVER RECEIVED IT. 
THE PAYMENT QUOTED ON THEIR DOCUMENT DOESN'T APPEAR TO BE CORRECT. BASED ON THE OUTSTANDING PRINCIPAL BALANCE OF {$81000.00} WITH A RATE OF 2.5 %, THE PAYMENT SHOULD BE CONSIDERABLY LOWER THAN QUOTED ACCORDING TO A STANDARD 30 YR. MORTGAGE CALCULATOR. I AM UNCERTAIN AS TO HOW THEY ARRIVED AT THEIR FIGURES. I ALSO AM UNSURE AS TO HOW & WHETHER MY MONTHLY PAYMENST ARE BEING APPLIED AGAINST THE OUTSTANDING PRINCIPAL BALANCE. 
UNDER THE TRUTH IN LENDING DISCLOSURE ACT THEY ARE REQUIRED TO PROVIDE ME WITH DETAILS OF ALL FINANCE CHARGES, PAYMENT SCHEDULE, TOTAL OF PAYMENTS & ANY OTHER PERTINENT INFORMATION, THEY HAVE NOT. 
THEY ARE IN VIOLATION OF THE TRUTH IN LENDIGN DISCLOSURE ACT & SHOULD PROVIDE ME WITH ALL THE REQUIRED DOCUMENTATION UNDER THE LAW. I SHOULD NOT BE UNAWARE OR UNINFORMED ABOUT HOW MY MORTGAGE WAS CALCULATED OR HOW PAYMENTS ARE BEING APPLIED.
Product: Checking or savings account

i received my california state deposit of XXXX on XX/XX/XXXX and no problems withdrawing or paying bills, but yesterday morning at XXXX XXXX  i was issued my social security deposit of XXXX and made a withdrawal at an atm the max of XXXX and when i went to make a second withdrawal it denied it than i paid my storage bill and it froze my account. i do not agree with how i was treated one supervisor called me a liar and i was given the run around. i asked why did they need to verify my identity if i already had an account freeze for this in XXXX this year and prior to that i had sent my identity documents upon opening my account.
Product: Debt collection

I owe about seven thousand dollars to the VA across three different accounts and received two letters. In the first sixty days of becoming aware of this debt, Pioneer Collections had sent me a total of two letters. The first letter was a threat to garnish taxes and the second letter was a threat to garnish wages. The threat to garnish wages was received on XX/XX/XXXX. I contacted the debt collection agency and their call menu had guided me to a notification that a payment must be submitted in order to enter into a payment arrangement plan. I sent a total of {$55.00} through my bill pay application on my phone. Then I left a message requesting callback. I was willing to take care of the amounts that were owed. 

During that call the person that I had came in contact with tried to tell me that in order for me to enter into a payment arrangement with them that I will have to submit another payment by the XX/XX/XXXX. Then they were really quick to demand financial information such as my pay stubs. They were not even factoring into consideration the basics such as the fact that I do not have a vehicle, I do not have a state drivers license, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) while employed. I don't have any property and fall beneath an acceptable margin of living according to most federal assistance programs such as Food stamps, Medicaid, and some of the Low Subsidy Programs. 

Instead of emphasizing in my right to lick my wounds after a COVID outbreak that has resulted in a divorce, XXXX deaths in my family, XXXX, and XXXX years of XXXX and being appreciative that I am there to take accountability and a little bit of fiscal responsibility for the balance of these accounts they started treating me as if I had been avoiding the debt. They didn't appreciate the fact that I was there for the first time ever ( despite the bereavement ). Instead they were quick to mention that the debt is five-hundred and somewhat days old and that they are interested on taking action through my new employer, wages, and tax returns. 

They did not seem very opportunistic at all and are not interested in the bigger picture of allowing us to heal up so that we can take on more fiscal responsibility in sight of hard times, difficult challenges, and are quick to indicate to the consumer that it is their fault that these hard times have happened.
Product: Credit reporting or other personal consumer reports

The Credit reporting Bureaus are reporting inaccurate information on my credit report. Please reinvestigate this information on my report.
Product: Mortgage

During the year of XXXX my husband was diagnosed with XXXX XXXX which caused a severe hardship for our family and disrupted our financial stability.I requested a loan modification last year during litigation, and on XXXX XXXX, XXXX with Well Fargo lenders. On XXXX XXXX, I received a denial letter based on my household income. 
On XXXX XXXX, XXXX, I called Wells Fargo to request a re-entry of a loan modification based on the additional information that had yet to be considered for loan modification and the appeal process. I was told that a Hard Stop was placed on my loan because I was denied XXXX request for a loan modification and that my loan is too far past due, and that the only option I have is a short sale or deed in lieu. Well Fargo never informed me in writing of my loan having a Hard Stop status. I would like to know when was this crucial status placed on my loan, and how come I was not professionally informed? Whereas, I could have gotten proper representation.
Product: Debt collection

This company Diversified Consultants has called me non stop everyday and night and they have a collections mark on my credit, they are claiming I owe them an amount of {$420.00} when Ive never done business with them, and have no agreements nor acceptance to any relationships with them. I had the amount of {$420.00} paid off with the original company XXXX XXXX in which they claim I owe. This collections or derogatory mark they have placed on my credit is a false accusation. I will upload receipts to show proof.
Product: Money transfer, virtual currency, or money service

I recently had {$3500.00} stolen from my account fraudulently and to put it lightly, the worst part about my situation was my experience with how TD Bank handled the incident rather than the fraud itself. 

On XX/XX/2021 at XXXX, I received a call from the real TD bank customer service number ( XXXX is what showed on my caller ID ). The Agent claimed to be XXXX with the TD Bank fraud department. XXXX with TD Bank advised that I had a few suspicious charges on my account from XXXX, New York. He asked for my permission to send these charges over to their fraud department and I said sure. All he needed me to do was reply Y to a series of normal cell phone text messages. 

At no point during this call did I visit TD Banks website, use their banking app, provide my private information to the caller, or request that funds be transferred out of my account in any way. The call ended with no other actions taking place. 

Unfortunately, what I did not know is that TD Bank had already granted this person access to my account without my involvement. 

I have now been told that the criminal used TD Banks XXXX service, a service that I have never used during my time with TD and did not use on that day either. The individual initiated twenty-three charges in total using TDs XXXX service. 

After the call, I went to check my account and realized something was fishy when I couldnt log into my mobile checking account. So I called the bank using the same number I always use. As instructed by TD, I notified the police of the event and have been working with a detective here in XXXX, MA. I have now submitted three fraudulent claims through TD customer service representatives and sent a record of the police report as well. The representative that I have been in touch with at my local TD branch has even submitted a letter of acknowledgment that my situation is legitimate. 

Furthermore, I have been calling customer service consistently to check up on the status of my claims and to ensure they have received all pieces of documentation to validate my case. Each time asking for my story to be repeated. I found out by way of calling customer service my claims of fraud have been denied. I have come to conclude that my story had been skewed and altered to fit TD Banks definition of a scam, even though the criminal clearly gained access to my account before ever calling me. 

TD Banks unwillingness to listen and the skewing of facts has made this a profoundly frustrating and long process.
Product: Debt collection

Received threatening phone calls on a debt they say I owe from another company. I have not received any notice of this debt via mail but they did email me something which I believe is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.
Product: Debt collection

CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my bank lender that I was not approved for a home equity loan because items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 card or prepaid card

This complaint relates to the credit card issuer improperly charging interest on a cash advance and failing to apply payments to the highest interest-rate balance first, as required under the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. 
I have a credit card issued by USAA Federal Savings Bank, issued in XX/XX/XXXX, that was offered with an introductory 0.00 % interest rate on balance transfers through XX/XX/XXXX. 
I made XXXX balance transfers to this card, XXXX for {$12000.00} on XX/XX/XXXX, and XXXX for {$6000.00} on XX/XX/XXXX. Both of these are subject to the 0.00 % interest rate. 
Additionally, on XX/XX/XXXX, I used the card for a cash advance of {$2500.00}. That cash advance is subject to an APR of 8.9 %.
On XX/XX/XXXX, I made a payment of {$1000.00}. On XX/XX/XXXX, I made a payment of {$2500.00}. Neither of those  payments were applied in full to the cash advance. Instead, only {$600.00} was applied to the cash advance, and the rest of the payments were applied to the zero-interest balance transfers. 
When I spoke with USAA customer service representatives on the phone, once in XX/XX/XXXX and again onXX/XX/XXXX ( after receiving the latest bill ), they said that the payments were being applied to the earliest charge first ( the balance transfers ), and would continue to be so applied until those are paid off in full, and would only be applied in full to the cash advance balance after that. In the meantime, they informed me, USAA intends to continue to charge me interest at an 8.9 % APR on the cash advance. 
I pointed out to the USAA representatives that such a policy and practice is violates the federal Credit Card Accountability Responsibility and Disclosure Act of 2009. That law clearly requires credit card issuers to apply any payments in excess of the minimum to the highest-interest balance first. That law explicitly includes cash advances. 
Since USAA has declined to correct this misapplication of my payments, and is continuing to improperly charge me interest, I am requesting the help of the CFPB in having them immediately adjust those payments to apply them retroactively to the cash advance rather than the 0.00 % APR balance transfers, and to have USAA reimburse the improper interest rate charges of {$15.00} made on XX/XX/XXXX, and {$14.00} made on XX/XX/XXXX. 
I also request the the CFPB ensure that USAA is not improperly charging other customers interest and improperly applying payments to balances chronologically, rather than according to which has the highest interest rate.