23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

This is my response to Synchrony Bank ( XXXX ). This is not resolved. I am trying to move on, but Synchrony won't let me. They made a lot of claims, that's fine, however, please note after only a couple of months paying for my items and paying on time, XXXX. dropped my credit limit from {$1000.00} to {$460.00}, saying my credit was bad. I contacted XXXX, and my credit was good... XXXX. dropped my credit limit with them because I started lodging complaints with them about their product, service and confusing promotions. I believed I had every right to question policies. Shortly after dropping my credit to {$460.00}, they charged me {$75.00} interest on my next statement. My interest payments went from XXXX, {$2.00}, {$3.00}, etc ( small amounts ) to {$75.00}. I also questioned the giant increase in interest payments- not to start problems but to try to understand why! 

All of that is forgotten. I am trying to move on. I need to purchase a piece of furniture from XXXX XXXX. XXXX. is their finance company, and when I went to finance the furniture at XXXX XXXX  XXXX. denied me. I couldn't understand why. I contacted XXXX and was told my credit is fine. 

After XXXX. denied me twice, I received an email from them saying " oops, we made a mistake. Your credit is fine, but you can only shop at Mattress Firm and you can only have {$460.00} to make your purchase ''. I don't want to shop at Mattress Firm because the bed I purchased from them last year - sags- and is bad for my back. XXXX. is the only finance company XXXX XXXX uses. 

I need XXXX. to allow me to make a purchases from XXXX XXXX, after all, if my credit is good to shop at one store, it's good for another. 

I want to be free of this XXXX. nightmare, all I want is to purchase from XXXXXXXX XXXX and for XXXX. to lift the restriction. If they are only going to give me {$460.00} in credit- so be it - but transfer that to XXXX XXXX. I've done nothing wrong but 1. maintain good credit 2. ask questions 3. ask questions of XXXX. and they retaliated by lowering my credit.
Product: Mortgage

I am having a problem with my current mortgage company submitting a requested pay off letter to the refinance mortgage company that I have been approved with. I have sent requests dated as far back as XX/XX/XXXX, more current requests such as a second written request inXX/XX/XXXX with an attached sample letter that the underwriting department of the refinance company needs. I keep receiving a pay off amount but not what the language is needed to be able to move onto the next process with the other mortgage company. I have called on XX/XX/XXXX, I had both companies explain what was the process to each other. I called again after the two parties agreed to a 2 week manual letter to be generated from current lender. I called again on XX/XX/XXXX, I was promised a would get a phone call on XX/XX/XXXX and that did not happen, I called two more times XX/XX/XXXX again message left and no call back. I have certain appraiser deadline that is nearing, among all the other new lender deadlines. I also have divorce attorneys needing this process to be done. This is way too much emotional stress that I keep having with the current mortgage company. I have been an excellent paying customer and receiving poor service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were  challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.
Product: Mortgage

Hello my name is XXXX XXXX, I have a mortgage on my home with Lower Mortgage. I have been paying my house during the last 10 months with a bimonthly plan, which have let me pay twice a month. There have been 2 months in which I paid 3 times. I stopped that plan and asked the bank to review to get an update on my payments and we've realized that I have paid 11 monthly quotes in 10 months. In that sense, there have been 2 extra bimonthly quotes during my payment process. Those extra payments could be considered to substitute the payment of this current month. This is shown within the attached document. 

I considered that any plan created by the bank are made in the task of assisting the customer in submitting their payments. Given that, there should not be any money disappearing or debited to any other fund. I've tried to let the bank know my desire to utilize these 2 extra bimonthly quotes towards the payment of this current month. I expected for them to contact me about the termination of this bimonthly plan to update me about the balance on the account and ask me to what would be the best use of this extra quotes.
Product: Checking or savings account

As soon as I noticed the unauthorized transactions I contacted chimes dispute team. The total amount of the unauthorized transactions is {$790.00}. Chime 's dispute team came to a decision before they even processed the police report that I submitted. I then appealed their decision and resubmitted police report and filed a identity theft report with the FTC and submitted that trying to dispute team as well. A few days went by and I called and chime support and was told that within 10 days I would receive a provisional credit but after 11 days and no credit to my account I called support again only to be told now it would be 20 days. The dispute team at chime Bank came to the same decision that's the transactions were authorized but it is painfully obvious that the transactions are fraudulent.
Product: Debt collection

I have sent the company and the XXXX credit bureaus letters disputing this information they have placed on my credit report, They have not validated the debt, the collects company, or the credit bureaus. They are reporting collection twice in one year for two different months. 

I have sent the debt collection Eastern Account system company three different letters to validate that is not my debt they have just sent out a bill. I have asked the credit bureaus to do their job and investigate and reinvestigate, they just send back a response within 24 hours that it is validated.
Product: Credit reporting

Back in XX/XX/XXXX i submitted an identity theif disputes along with a official copy of my police report to all national credit agencies once I realized my identity had been stolen. The company did n't follow the FCRA laws regarding information on my credit report due to identity fraud. It states all fradulent items in my name should be blocked permanently and immediately because my private information had been compromised. There are still several fraudlent accounts reporting on all 3 of credit bureaus and I would like them removed immediately or a XXXX dollars in restitution for breaking federal laws. The negative accounts still showing that are not mine are XXXX XXXX XXXX credit cards a XXXX card and XXXX gas card opened in XX/XX/XXXX and a XXXX and XXXX XXXX furniture account. Of course the creditor will be able to verify me because my identity was stolen and used so that 's no excuse to not follow the law.
Product: Credit card

Comenity bank thinks its ok to charge a XXXX fee to mail a bill, I do not check email often and I should not be required to do so in order to pay my bill that was not set forth in the original agreement with the credit card companies and I refuse to allow them to charge me I have multiple accounts with them. I want my paper statements.
Product: Money transfer, virtual currency, or money service

I sent {$600.00} from XXXX  through MoneyGram Payment Systems on XX/XX/2018 with a promise for the money to be delivered on XX/XX/2018 through the reference # XXXX. The receiver was denied payment after several attempts by going to the MoneyGram location in XXXX despite the fact that receiver had all necessary documents include Identification, and the number. No reason was given to the receiver. The receiver contacted me ( sender ). I physically had to go to the XXXX, to be told that I need to call Moneygram. I called XXXX on XX/XX/2018 at XXXX XXXX EST while at the XXXX  premises after several automated responses was connected to XXXX. I provided all my information only to be told that the sender has to call XXXX and if cant get a resolution to visit MoneyGram site and if they didnt get the resolution they should inform me ( sender ) and then I need to call MoneyGram. I told him they have gone to the MoneyGram several times and have not received the money. I told him to refund the money so I can collect and send through XXXX XXXX. He said he couldnt do that. I asked him to call the sender now and he stubbornly refused. I asked him the reason and he bullshitted me with that MoneyGram has to fulfill international regulations for {$600.00} that he couldnt do anything at that time. I was frustrated and asked him for the address of the MoneyGram complaint center, he told me I should dictate tell him and he will lodge the complaint on my behalf, I refused and told him I can find the address on internet. I knew the financial hardship of the receiver and called international number 3 times to get connected the receiver in XXXX and told them that I will send additional {$600.00} to them or will arrange for the money through my family in XXXX. While on two separate numbers I told XXXX XXXX that was the name he gave me ) of the frustration and I will have to take it up with the CFPB. Upon hearing it he asked me to wait and came back online and asked me to ask the hangup on the receiver so that he can call the receiver. After few minutes he came back online with me and informed me that he has all the information and the money will be available after 10 minutes. All this took over 30 minutes of my time standing in the XXXX  with everyone listening and severe financial hardship for the receiver. 
I trust the strong US financial regulation and was sure to get my money back, I didnt trust MoneyGram. I had already called my brother in XXXX and asked to wire transfer XXXX immediately to a family who is financial hardship. SHAME ON MONEYGRAM FOR THEIR UNPROFESSIONALISM AND STUBBORNESS.
Product: Credit card

This is the second time in a month that someone has tried to open a credit card in my name without my permission. This time it was with Wells Fargo on XX/XX/year> a person in XXXX, FL ( same place as the first one ). 

The cancellation number from Wells Fargo is XXXX. 

Thank you,
Product: Checking or savings account

On XX/XX/2002, I tried to invest {$2000.00} in mutual funds from my XXXX account. They removed the money from my cash account, but never put the money in any investments. My cash account is down {$2000.00}, and my investment account is still {$0.00}. There is {$2000.00} missing. This has put my cash account into the negative, which means I can not use my XXXX funds to pay medical bills. My medical bills are piling up, and aren't getting paid. It is all Optum 's fault. 

I've called/chatted with the company 10-15 times. They keep saying they will fix it, but they haven't. They say they will call me back, but they don't. I feel like I'm at a complete loss of options for help at this point.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I ordered a XXXX package from a seller who assured me to go on Paypal for it's protections for the transaction. On XX/XX/year> I received a damaged XXXX delivery from a seller. The XXXX box received was full of dents and punched in making the product I received essentially unusuable with pieces cracked inside and damage. I contacted Paypal immediately explaining this issue and was reassured that Paypal 's Buyer Protection would protect me as one of their policies for an item being significantly not as described is the package being damaged during shipment. Unfortunately, not only was I not protected but my case was closed. Every time I tried to appeal, the representative on the phone seemed very sympathetic and thought I definitely should have won as the item received was clearly damaged. However, my appeals were denied in favor of the seller. They stated that they could not protect me since the package was apparently damaged after shipment. When I asked for evidence showing that the package was fine upon delivery, they ignored me. 

Going onto the XXXX website to check on the tracking, under proof of delivery is a picture of the delivery mans legs. The seller, XXXX warehouse or the delivery driver among others could have damaged the package during shipment. Contacting XXXX and even they said it was weird the deliveryman did not take a picture of the package but instead of their legs which I have attached as an image below. Paypal further advised me to open a XXXX claim which I did and reported the damage and XXXX accepted there was damage. However, the seller was uncooperative and send a nasty email after the Paypal case was closed in their favor essentially laughing at me. I have attached the image in this case. 

I am asking for some sort of compenstation or restitution from Paypal for this issue. Even if a full refund/replacement or return is not possible, I would like Paypal to issue me some sort of courtesy credit or partial compensation for this matter.
Product: Credit card

In late XX/XX/XXXX, I applied for a XXXX XXXX XXXX XXXX XXXX Airlines XXXX XXXX The AA website promised XXXX bonus AA miles if I spent {$10000.00} within the first 3 months, which I did. Citi only gave me XXXX miles. 

I called Citi on XX/XX/XXXX and asked for the missing XXXX miles. On XX/XX/XXXX, I received a letter from Citi dated XX/XX/XXXX denying my request. 

I phoned Citi on XX/XX/XXXX at XXXX PM and spoke to an agent, and then a supervisor. My request for the additional XXXX miles was denied. 

I interacted with a chatbot on the XXXX XXXX website beginning at XXXX PM on XX/XX/XXXX. Again fruitless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and noticed that there is information reporting to my credit that does not belong to me. The following information listed in this report I have no relation to. This has hindered me to be able to build a good credit profile. Under FCRA 605B I am requesting that this information is removed from my credit report within 4 business days of receipt of this information. I have contacted each creditor and they have failed to provide me with any original documentation stating that I owe a debt to these creditor. Failure to comply will result in a litigation process against all parties involved including any agency reporting fraudulent information to my credit profile. 

The following information is fraudulent. 

XXXX XXXX XXXX Balance {$4300.00} XXXX XXXX XXXX Balance {$520.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX Please Mail all correspondance to XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed a copy of the letter I received from the bankruptcy courts stating that they do not report a bankruptcy for me to any credit reporting agency.   I have sent a copy of this to Experian, but they refuse to take it off the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, AZ XXXX Collections : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Addresses XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX  AZ XXXX XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, XXXX, and XXXX all have incorrect or incomplete information on my credit reports regarding the only XXXX XXXX Account ( # XXXX ) on my report. I sent them dispute letters in XXXX, XXXX, XXXX, and XXXX, and they have yet to fix the problems with the reporting. They are also reporting inconsistent information across the three of them.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

ACCOUNTS : Bankruptcy - XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX - {$25000.00} Please block this information from my credit report within XXXX business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

A person that I am certain I met online logged into my XXXX account and successfully deposited a check with my mobile account for {$10000.00} ( Endorsed/signed by XXXX. XXXX ) as if it were a check from the IRS write to me with my name and address. The bank cleared {$5000.00} of that check and a few days later it was returned as " altered ''. Next, he transferred funds from my XXXX account and performed a Cash App transaction with the user name XXXX XXXX ( XXXX XXXX ) from my personal Cash App account. He could not transfer more than {$1500.00}. I filed a fraud complaint with my bank and Cash App. Cash App did not investigate and told me basically that because the transaction had cleared, that I was out of luck. They did very little to help and I couldnt contact them in time to dispute the transaction before it cleared since it was out of business hours. If they have the persons cash app account and name with a bank or card to transfer to, why can it not be traced and why is there no protection for these financial institutions? They did nothing. I have filed with the FBI but I would also like to file with cash app for doing nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX the CONSUMER and NATURAL PERSON sent a letter to Equifax on XX/XX/XXXX disputing 7 different accounts that are being reported negatively on my consumer credit report. I wrote the account in detail so there would be no confusion as to what accounts I am speaking about. I wrote to them concerned because I believe they're violation my right pursuant to 1681b ( 2 ) because I never gave them written permission to furnish these private consumer transactions. So I asked them to provide me proof that I did and gave them 30 days to provide that information to me to look over. I believe they're also in violation of 1681a ( 2 ) ( B ) by including an approval of an extension of credit. Please help me with the situation being that it has been very hard to get to my life after Corona Virus hit us all so hard this past year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Capital One credit card that I closed in XX/XX/2015. I just check my credit report recently and it is showing as a negative mark on my credit. I have called the credit card company and they show my account was paid and is good standing but the late payment errors are still showing up on my credit report. This is affecting my credit and I would like this resolved immediately. I called Capital One but they said that it was an error and there records show that I am in good standing but they can not help me resolve it. They told me to contact the credit bureaus to have them adjust it. So basically they have been no help and have done nothing to resolve the issue.