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

A couple of years ago, I was making purchases on the Wayfair site, and was offered a Wayfair credit card. I accepted the offer, and opened an account. Recently, I was advised by Comenity ( the bank that facilitated the account ) that the account was being converted from a Wayfair-specific account to a general purpose Mastercard. I received the new card, activated it, and used it for a couple of online purchases. I paid the balance in full. 

When checking the account via their online portal, it reflected a XXXX balance, with a credit limit of {$3500.00}, but the available credit reflected {$0.00}. I submitted an inquiry via their secure mailbox on the site on XX/XX/2020. I received a response on XX/XX/2020 advising me that the account is " temporarily suspended '', and that I would need to call a toll free number to get further assistance. Upon calling the number, I was prompted to indicate whether or not I was over fifty years old ( yes or no were the only options - no other opportunity was presented ). When I indicated yes, I was connected to what I initially thought was a live person ( there was a pause for me to respond to a question regarding the connection ), but soon realized it was an automated recording of a pitch for a " free '' medical alert button. It went on in great detail as to how expensive these buttons could be. I soon disconnected the call ( not being interested in the sales pitch ), and attempted to redial the toll free number. Each of the subsequent three attempts resulted in a failure to connect ( I received a message that " the number you have dialed is not available from your calling area '' ). 

I went back to the secure message service on the Comenity website, and responded with the results of my attempt to contact them via the toll free number previously provided ( this message was sent on XX/XX/2020 ). I expressed my concern that this " temporary suspension '' was simply a ploy to sell me additional unwanted services. 
I advised that if I did not receive an update on the status of my account, that I would be filing a complaint with the CFPB. 

Today ( XX/XX/2020 ), I received another response via the secure message service that was pretty much identical to the initial response, and it stated that I needed to call the same toll free number. 

I am concerned that this particular institution is attempting to take advantage of potentially less financially savvy older customers.
Product: Credit card or prepaid card

I hold a Verizon XXXX Credit Card. With this card, you earn XXXX Rewards dollars every month. This has worked very well for over one year. Synchrony Bank is the issuer of the card. This month the process is not working. My Synchrony account shows {$120.00} reward dollars. HOWEVER, there is something wrong with the system and I can not access these rewards to apply against the XXXX bill ( s ) that I received. This defeats the entire purposes of having the card. In essence, the Reward Dollars are being held XXXX. I have contacted Synchrony multiple times. No one seems to care at the customer service level. These contacts have been by phone and by chat. The Synchrony contacts have directed me ( " dumped '' me ) over to XXXX. XXXX says they have no responsibility and can not access Synchrony systems. I believe that is an accurate statement. Nevertheless, XXXX XXXX name is prominently displayed on this XXXX program. 

My sense is there is a system error, but the information is not making its way to the proper people at Synchrony Bank. That, however, is NOT an excuse, since I ( and likely others ) are being denied the very thing we bargained for at the outset, when we obtained this rewards card.
Product: Debt collection

Starting from XX/XX/2022, I have been receiving harassing phone calls from XXXX XXXX XXXX, a " debt collector '' for a fraudulent collection that was placed on my name. For the past 23 years, I have lived with my parents and the address this company is trying to claim I owe a debt to, to is the same property where I grew up and my parents still have the title to this day. I have been in contact with the girl " representing '' my claim thru XXXX XXXX XXXX, and have not given any personal information. She is the 3rd " rep '' from them that this has been passed along too and I'm sick of dealing with this already. I have contacted XXXX, Experian XXXX XXXX about removing the fraud and have been unsuccessful with the first two. XXXX and Experian have yet to correct my credit file and remove the not liable history. I do not wish to file a police report on a matter I have no liability, knowledge or responsibility for and it needs to just be removed. XXXX XXXX Experian have NOT properly investigated this and ignore my request to have it deleted EVERY TIME.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted a complaint through the CFPB about collection agency Ad Astra because they failed to meet FDCPA requirements and never validated the account that is reporting on my credit report. Since then, XXXX and XXXX have removed the inaccurate account, but XXXX is still reporting this account without any method of validation. The collection agency could not provide a contract with my signature, a license to collect debt in my state, or history of the account hence why it was removed from XXXX and XXXX. XXXX is in violation of FCRA protocol by reporting inaccurate information on a consumer 's credit report. This account should be immediately removed from my credit report, or I will be seeking {$1000.00} per violation. I will attach the letter that was sent to Ad Astra in which they could not provide the required information. XXXX should follow suit immediately and remove this account from my credit report.
Product: Credit card or prepaid card

I bought a visa prepaid visa gift card for {$100.00} plus a {$5.00} activation fee at Kroger in XXXX, TN on XX/XX/21. The cashier gave me the receipt and activation receipt. Later that day when I went to use the card I found out it declined. I called the provided number on the back of the card at XXXX to find out the card had never been actually loaded by the card. They advised I go back to Kroger. I immediately went back to Kroger and Kroger advised that the card was loaded properly since it did have an activation receipt. I called again the XXXX number on the visa card and they said that I could submit a fax of the activation receipt, Kroger receipt, front and back of the gift card and fax it to XXXX, which I did immediately at XXXX XXXX. They said that this occasionally happens and that as long as I had proof of activation, it would be resolved through their end ( the prepaid gift card company ). I called the XXXX number on the back of the card multiple times over the next few days and every time was told that it was being investigated by their team. Eventually, I was told they lost the fax I sent and that I need to send it again and start a new process, wait 3-5 more business days etc. I have spent HOURS/DAYS of my life now trying to get this resolved and can not keep going through this cycle of false information they keep feeding me.
Product: Student loan

At the end of XX/XX/year>2024, I received a letter from my servicer, MOHELA, advising me that my student loans were being put into an administrative forbearance while they applied new SAVE benefits. The letter also stated that during this time, the interest rate would be set to 0 %. But every time that I log into MOHELA 's website, my loan balance is higher than it was before. Since I noticed this, my loan balance has increased by almost {$200.00} during this 0 % interest forbearance. I called MOHELA today to get some answers. I knew that was a fool 's errand based on what I have read about the lawsuit recently filed by the teacher 's union. Here is how the call went and how unresponsive and unhelpful MOHELA is : On hold for 20 mins before I spoke with anyone.

Once she answered the phone, I was asked for my SSN again ( I had already entered it at the beginning of the call ). Verified my DOB. She asked what she could help me with. I explained the situation about the interest accruing ( a word she could not pronounce ). She then verified my address, phone #, work #, and asked if I could be called back. She parroted back a summary of what I had told her, then she placed me on hold. She came back on the line and said she was still " gathering information '' and asked if she could put me on hold again. 

We are now XXXX into this call ( including initial hold time ). 

At XXXX, she came back on the line and said she was still " gathering information '' and asked if she could put me on hold again. 

At XXXX, she came back on the line and said the same refrain. So I asked her, where is this information coming from that she keeps putting me on hold for. She said a supervisor. I said, " A supervisor. '' She said yes, I said nothing, there was a little dead air then asked if she could put me on hold again. 

At XXXX, she came back with the same refrain. I told her to stop with this checking in on my every couple of minutes and saying the same nonsense. I asked where this information was coming from and why she kept putting me on hold. She said she was reaching out to someone to get information on why my balance was going up. I asked where her supervisor was and why she wasn't getting this information. She said they were busy today and that she wasn't going to get an answer today. So I asked her what I was holding for then? Then I hung up.

She wasn't getting information from anyone. She was just putting me on hold for 2 minutes at a time and coming back on saying she was still gathering information. This is a deflection tactic. Had I not asked, how long would she have kept me on hold saying she was still gathering information? I would bet serious money that at some point, the call would have been " accidentally disconnected '' which is another MOHELA tactic. If I could transfer my loan away from them, I would. But from what I understand, all federal loan servicers are terrible. MOHELA is right up there with XXXX XXXX as being the absolute worst. This deflection tactic was being employed as they have been caught charging me interest when they should not be.
Product: Money transfer, virtual currency, or money service

This is what the CIT Bank wire transfer form says Signed and completed forms may be securely submitted to the Document Center in Online Banking. Sign in via www.CITBank.com and click on Customer Service to access the Document Center. You may also submit by fax at ( XXXX ) XXXX. Submit forms prior to XXXX XXXX   Pacific Time ( XXXX XXXX Eastern Time ) to have the wire transfer reviewed the same day, subject to the Terms and Conditions below ( excluding federal holidays ). I submitted a form on XX/XX/XXXX around XXXX XXXX EST for the transfer to happen the next day. 

On XX/XX/XXXX around XXXX XXXX EST, CIT calls me and starts asking me the information that I had already provided in the form that was securely uploaded to their Document Center. I spoke to XXXX and XXXX XXXX from XXXX, CA. The business day was almost over, and they were calling me at the end of the day. XXXX said that their cutoff time was XXXX PST, and they had to initiate the transfer ASAP to make it the same day. I had submitted the form 24 hours ago, and they were calling me 30 mins before the cutoff time. When I told him that, he lied on 2 things 1 ) I was supposed to call CIT after sending the form ; nowhere in the form does it mention that. It explicit says For security purposes, CIT Bank will contact you to verify the information that you provided within this request. We will be using the telephone number ( s ) we already have on file. 2 ) They had called me before and I did not respond. My call history proves otherwise and I would like to challenge CIT to prove that they called earlier on XX/XX/XXXX. So, after sending the form on XX/XX/XXXX, almost 24 hours before their cut-off time, I still do not get the funds transferred on XX/XX/XXXX. It ultimately happens on XX/XX/XXXX. What is pathetic is not just their lack of process and incompetence but their lack of knowledge and denial of any responsibility.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts and incorrect information on my credit report. I am a victim of identity theft resulting from the XXXX data breach. You are legally obligated under the Fair Credit Reporting Act ( FCRA ) to maintain accurate records, and your failure to do so has caused substantial harm to my credit profile. 
Violations of the FCRA : 15 U.S.C. 1681c-2 ( Blocking Information Resulting from Identity Theft ) : The credit bureaus are required to block information resulting from identity theft within four ( 4 ) business days of receiving proper documentation. Despite my compliance with these requirements, the fraudulent accounts remain on my credit report. 

15 U.S.C. 1681i ( Procedure in Case of Disputed Accuracy ) : Credit bureaus must investigate disputes regarding inaccuracies within 30 days of receiving a dispute notice. The credit bureaus have either failed to conduct a proper investigation or have provided no resolution.

15 U.S.C. 1681e ( b ) ( Requirement to Ensure Maximum Possible Accuracy ) : The credit bureaus are obligated to maintain accurate information in credit reports. Reporting fraudulent accounts, despite being notified of identity theft, is a violation of this standard.The continued reporting of fraudulent accounts has caused significant harm to my financial well-being and reputation. These inaccuracies affect my ability to access credit, housing, and other essential services, placing undue stress and burden on me as an identity theft victim.
Product: Credit reporting, credit repair services, or other personal consumer reports

on the date of XX/XX/2020 there was an inquiry that appeared on my credit from the company XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

on the date of XX/XX/2020 there was an inquiry made on my credit by XXXX XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail. 

On XX/XX/2020 there was an inquiry that appeared on my credit from the company Carmax XXXX XXXX that I did not authorize. I disputed it and I attempted to reach out to the creditor in terms of getting it off but to no avail.
Product: Debt collection

This company is in violation of multiple FDCPA laws. I have sent a validation debt letter also a cease and desist letter to this company. This company is reporting inaccurate information on my credit report and is causing me distress. The information that they are reporting is inaccurate and unverifiable. This company can not report this inaccurate information on my credit file according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to stop reporting inaccurate and unverifiable information/accounts immediately and to cease all forms of communication with me through any and all mediums.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : Thank you so much for your help with my previous request. I have had success getting the 4 tradelines deleted from XXXX  and XXXX, however, Equifax is not complying with the instructions to delete the tradelines from my credit profile. I have submitted a complaint with the Consumer Financial Protection Bureau and the XXXX XXXX XXXX but Equifax states that someone from XXXX XXXX verified the items as accurate electronically. I sent them a copy of the email you provided which states that the tradelines have been processed for deletion and they still will not take the accounts off of my credit report. If possible, can you please send Equifax some information to let them know that they need to delete the  accounts or have a representative from your firm contact them directly? It would be greatly appreciated! Thanks in advance for your time and consideration and I look forward to hearing from you soon! 

Best regards, XXXX XXXX Account : XXXX Dear XXXX XXXX XXXX, Thank you for your email with XXXX   received on XX/XX/2018. To ensure the XXXX trade lines have been removed from your credit report, XXXX has processed electronic deletions with the national consumer reporting agencies. Please allow the consumer reporting agencies 30 45 days to update their files. 

If you should experience discrepancies, please contact the consumer reporting agencies directly for resolution. 

If you have questions regarding this information, please contact our office at ( XXXX ) XXXX. XXXX office hours are Monday through Thursday, XXXX XXXX - XXXX XXXX, and Friday, XXXX XXXX - XXXX XXXX, Central Time, and our website address is XXXX. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In mid XXXX my daughters debit card was stolen there were several transactions made. We spoke with 's and was told that they would investigate. She was told that they were canceling her acct. After a few weeks a negative balance showed on that acct in the amount of XXXX. I have XXXX other checking accounts and they were all attached. On XXXX/XXXX/XXXX I noticed XXXX} taken from XXXX of my other act 's. And that same amount was pending on my daughters account I called and spoke with several people. XXXX @ XXXX, XXXX @ XXXX and XXXX XXXX @ XXXX. I was told by XXXX that my daughters acct was closed and no transactions were allowed and that at XXXX XXXX. the funds would be added back to my active checking account ( please listen to recording ) the next morning XXXX/XXXX/XXXX the funds had gone thru and her account was now XXXX I began calling I spoke with XXXX @ XXXX ish, XXXX @ XXXX call was escalated and I spoke to XXXX @ XXXX then XXXX from lost prevention @ XXXX then supervisor XXXX @ XXXX the call dropped and I called back and spoke with XXXX. Everyone else that I spoke to was able to access my account with no problems. When I got XXXX in the line he informed me that ALL of my act 's had been frozen and there was nothing to be done. I then went into a branch where I was told the same thing and that this was policy and procedure. They took my money after a supervisor advised me that they would n't and would not listen to the call because they said they were following procedure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today to file a final dispute regarding several unauthorized inquiries and unverified collection accounts that have been reported on my credit file. I have previously disputed these items, but they have not been removed despite my efforts. 

The items in question are as follows : XXXX XXXX XXXX Case Number : XXXX To the best of my knowledge, this does not belong to me. I have repeatedly asked for it to be removed from my credit file, but it remains. This has caused significant stress and anxiety in my life, as it has prevented me from obtaining credit when I have needed it most. 

UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XXXX/XXXX/2021 UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX/XXXX/2021 These inquiries have also caused me significant distress, as I have not authorized these companies to pull my credit report. This has caused me to feel violated and powerless, and has impacted my ability to obtain credit when I have needed it. 

I would like to share a personal story of how these issues have affected my life. Due to these negative items on my credit report, I was denied a loan when I needed it to cover unexpected medical expenses for my child. This was a devastating blow, as my child 's health was at stake, and I was unable to obtain the funds needed to cover the medical costs. I felt helpless and alone, as I did not have any other means of covering these expenses. 

This experience has left me with significant emotional trauma, as I have felt the weight of financial hardship and its impact on my family 's well-being. It has caused me to question whether I will ever be able to regain financial stability, and has left me feeling hopeless. 

Therefore, I ask that you enforce the legal rights that protect me as a consumer, and that you require the creditor to remove these unverified collection accounts from my credit report. I am confident that with your assistance, I will be able to regain control over my financial situation and move forward with my life. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I was originally on an interest-only repayment plan. I received a letter stating that repayment plan was going to expire and I was not eligible to renew it. Before it expired I tried calling the company to find out about what payment options I had and I got jerked around for weeks. They kept telling me they could n't talk to me about it until my current plan actually expired because all they could look at was what my payment plan currently was and not what it could be in the future. They said the only way they could talk to me about future plans would be if first I voluntarily cancelled my current plan early. When it finally did expire and the new plan started, my monthly bill almost tripled. The current monthly amount due is about 40 % of my monthly net income and is hundreds of dollars more than what I have left over after I pay my other bills. I called and tried to set up a different payment plan because I could not afford what they were billing me for. They asked me a bunch of questions about my financial information and about my cosigner 's financial information. They told me that I did not qualify for any repayment plan besides the one I was currently on. They said it did not matter that it was an impossible amount for me to afford and suggested that I tell my cosigner that they had pay the difference. I 've been paying them what I can every month, but it is a lower amount than what they are asking and it 's starting to become a problem.
Product: Debt collection

I have asked Collection Professional to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.