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

Have had a TJ Maxx-Synchrony Bank credit card account for over 20 years. Since the middle to end of XXXX there has been a problem with Synchrony Bank receiving mailed payments in a timely manner even though payments have been sent at least 1 week in advance of due date. The first late payment was resolved in XXXX XXXX as they reversed the late charge and finance charge. At that time I moved up the time of the mailing of my payments to approximately 2 weeks which is about 1 week after receiving the bill from Synchrony. For the XX/XX/XXXX bill I was charged another late fee and finance charge. The total of the XXXX bill was approximately {$4100.00}. The previous balance was {$2100.00} and was not received even though sent in timely manner. I put a stop order on {$2100.00} check and reissued and sent certified mail. That check was received XXXX XXXX, XXXX. I sent current balance check approximately XXXX XXXX, XXXX. That check was posted on XXXX XXXX, XXXX. Synchrony applied an additional late fee and finance charge since they stated it was due XXXX XXXX, XXXX. Called Synchrony and agent said they couldn't reverse charges since their computer system wouldn't allow her to do it. I have filed a complaint with Synchrony Bank and NY State as Synchrony continues to charge late fees and finance charges on a disputed amount/charge. I have since cancelled my Synchrony card as of XX/XX/XXXX and closed the account. Synchrony has provided a letter to that extent. Am looking for Synchrony to reverse the bogus charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with XXXX, Transunion, XXXX, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.
Product: Checking or savings account

XX/XX/2021 Capital One Bank illegally confiscated funds granted to me, ( XXXX XXXX XXXX ), by the Alabama department of labor via a closed account. I wasn't notified and contacted them XX/XX/2021. The issue was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

hard inquirie on my equifax report i contact equifax and they would not delete the inquirie wich is not attach to any open account on this date XX/XX/2022
Product: Debt collection

I've taken all necessary steps to address an identity theft issue with Experian, but they persistently ignore my valid report, causing significant distress. XXXX and XXXX have cooperated, yet Experian claims my documents are invalid. I urgently seek CFPB 's help for a proper resolution and thorough review of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a loan and the amount I applied for was reduced due to Suntrust Mortgage not updating my mortgage to closed and transferred to XXXX. Therefore, it appears that I had two mortgages instead of one. I contacted Suntrust mortgage today ( XX/XX/XXXX ) and was advised I had to wait for 30 days for the dispute process to be completed. I advised my information could be updated via XXXX with less time ( 72 hours ). The mortgage customer service agent ( XXXX ) and her manager ( XXXX ) reached out to the Credit Manager who denied this was possible and they do not have access to XXXX. I would expect small establishments not to have the service due to expense not a large corporations such as Suntrust/Truist . I felt it was dishonest for them to deny their access to this system and their unwillingness to escalate the issue since it was their negligence that impacted my loan negatively. My mortgage has been with XXXX bank since XX/XX/XXXX. I think that is more than enough time for a company to update a tradeline. If the a Credit Manager is not aware of XXXX and how it works that also presents a concern.
Product: Debt collection

Sued me but when they came to my door they asked for me & did not advise my XXXX boyfriend who they were & what the paperwork was for & hid the paperwork behind their back & then just threw the paper at him & left
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of Identity theft and had several accounts opened in my name fraudulently as well as several attempts made to open fraudulent accounts. 
I have added fraud alerts to my consumer credit reports as well as contacted the creditors of the accounts opened fraudulently. I was recently assured by XXXX XXXX that account ending in XXXX would be removed or blocked from my reports yet XXXX and Equifax continue to report the accounts and have not blocked them as requested. XXXX XXXX has removed the account as requested.
Product: Credit card

On XXXX/XXXX/XXXX, I filed a CFPB complaint # XXXX concerning XXXX ( XXXX ) Chase credit card accounts. After going through Chase suggested " money counseling '' and provided the information they requested, the attached XXXX XXXX response resulted. ( copy attached ) Since that time, Chase has kept the account active by monthly reports to XXXX ( XXXX ) credit reporting bureaus '. Accounts ending in XXXX and XXXX were officially closed as a " Charge Off, : XXXX account in XX/XX/XXXX and the other XX/XX/XXXX. Chase eluded to the fact if the consumer agreed to follow Chase procedures, there would be no negative credit reporting. For example, using the term " Absorb. '' By reporting this negativity, Chase also failed to provide the consumer amble notice of any negative reporting to credit agencies. FCRA, ( 7 ) Negative Information : ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( Quoted from the XXXX XXXX FCRA edition ) In fact, the entire process requested by Chase was to avoid negative credit reporting. It must also be noted that the XXXX, mentioned in XXXX XXXX ' letter, has never received. Upon discovery of Chase recent actions, a letter dated XXXX XXXX, XXXX was sent to Chase Card Services Executive Offices which included a copy of their XXXX XXXX, XXXX letter. Within the XXXX XXXX, XXXX, was a request to correct the information Chase provided the credit reporting agencies. To this date, Chase has not replied.
Product: Vehicle loan or lease

XXXX Credit Report states this debit would be removed from my credit bureau in XXXX, XXXX and no matter how many times I request it be removed, they will not remove it. It's been on my credit report since XXXX, which is past the time that the law allows.
Product: Student loan

On XX/XX/2018 I received an email from XXXX XXXX notifying me that my loan payment was past due : " This is a reminder that your student loan payment with XXXX XXXXXXXX XXXX XXXX was due on XX/XX/2018 in the amount of XXXX plus any applicable fees payable to XXXX XXXX XXXX   XXXX. If you have already made this payment, please disregard this notice. '' Up to this point, my loan was serviced by XXXX on behalf of XXXXXXXX XXXX, with which I had automatic payments set up to quarterly draw the payment from my checking account. I was not notified by XXXX XXXX XXXX nor XXXX XXXX about this transfer of providers until this email referenced above on XX/XX/2018 ( 6 days after the due date of XX/XX/XXXX. 

After initially assuming this email was scam, since I was never notified of any change to my loan provider, this month I attempted to call Heartland to make the payment. The day I tried accessing their website, it was not working. I called and spoke to " XXXX '', who told me that their " internal systems '' were down, and to call back today ( XX/XX/2018 ) to make the payment.

I accessed their website today, and learned that Heartland charges a 3.95 % fee for all one time payments, plus a {$1.00} service charge. Which is fine - I'm planning to make recurring payments anyway. However, the website prevents me from scheduling recurring payments on the " past due '' amount from XXXX - effectively forcing me to ay penalties on the amount, while I was never even notified before the XX/XX/XXXX payment was due. I've had multiple conversations with their customer service " advocates '' - most recently with " XXXX '' who told me that they can't waive the one-time payment fee on the website, and that I have to make a one time payment, being charged a fee for simply paying them. 

This seems fraudulent, and blatantly set up to entrap student loan holders in fees for servicing their loans. The company has not provided me with any information. Alternatively, I've been told that if I provide my bank checking account routing and account numbers over the phone, and then I won't be charged a fee -- who in their right mind would give out their bank account numbers over the phone to a complete stranger? These practices are questionable at best, and fraudulent at worst.
Product: Payday loan, title loan, or personal loan

XXXX of 2016 constant calls emails monday thru sunday up to XXXX XXXX at nights ..calling my bank to get info
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX, TransUnion, XXXX. 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.
Product: Vehicle loan or lease

I did not get my Gap insurance back when I paid off the loan
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX XXXX XXXX : Balance : {$3600.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$3500.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Account Name : XXXX/DOFED # XXXX : Balance : {$2000.00} Unauthorized 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my credit report with your bureau appears to have been compromised. Upon reviewing my records, I have noticed numerous entries that do not belong to me. After conducting thorough research, I found that under Section 605b of the Fair Credit Reporting Act ( FCRA ), the Credit Bureaus are required by law to remove any items that are found to be a result of identity theft. The disputed items on my credit report do not belong to me and were fraudulently opened. I have enclosed the required Federal Trade Commission ( FTC ) Identity Theft Report, along with relevant bank records supporting my claim. I request that you could help me promptly remove these fraudulent entries from my credit report. My research indicates that the Credit Bureaus are required to verify with 100 % accuracy that each item is true, accurate, correct, complete, and verifiable. If they are unable to provide these records and claim that the items are verified, please be aware that I will seek legal action to protect my rights. Please understand that I take this matter very seriously, as does my attorney. Therefore, I expect full compliance with the law to resolve this matter swiftly and satisfactorily. The following items should be remove as soon as possible : XXXXXXXX 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: Money transfer, virtual currency, or money service

In 2017 Coinbase removed access from my account and since then have been unwilling to have a conversation with me as to why this was done, or work with me on any attempts to rectify this situation. I am not sure the exact reason why they decided to close my account, just that they are claiming they were acting in relation to potential FINCen regulations, but I have worked with the New York Attorney Generals office to help put away a criminal in relation to Bitcoin transactions and received immunity for any past transactions, so there is no reason the government would come after me or Coinbase for having me as a customer. I have told them this, and was willing to show them any documentation they needed, but they have claimed this decision was permanent. I live in NY where Coinbase essentially holds a monopoly over trading apps, and I have been unable to trade certain assets because they have denied me use of their tools, and have started buying up platforms that I would have been able to use before they started buying up other companies like XXXX and XXXX. 

Im not sure where else to go to solve this issue, or if there are any powers the CFPB has to rectify this situation, but if they wont tell me why they have closed my account, I dont even know what rules I violated, and again, I had direct relations with the government, so I dont know why they wont allow me to trade just to buy and sell my digital currency investments. To me, this is akin to an internet service provider cutting off my ability to use the internet.
Product: Debt collection

At the end of last year I discontinued my XXXX service after nearly 20 years. The customer service rep I spoke with indicated I would be billed for the partial month of service in the amount of approximately {$35.00}. During that conversation the customer service rep mentioned I was also liable for a two-year " contract '' that included a {$150.00} fee, and that my final bill was {$180.00}. I asked to see this " contract '' I had allegedly signed and was told the contract automatically kicked in when I upgraded my service package a year earlier. I spent nearly XXXX minutes on the phone ( much of it on hold ) while I objected to this early terminate fee. Eventually the customer service rep conceded I did not owe the fee, and that I would be receiving a final bill for the {$35.00}. However, when the bill arrived it included the {$150.00} early termination fee. I again called XXXX XXXX and this time the customer service rep was very short with me, and insisted the {$150.00} fee was valid. I explained that XXXX weeks earlier I was assured the fee would not be applied to my final bill. The rep refused to budge, and informed me that if I failed to pay the additional {$150.00} XXXX XXXX would submit to remaining fee to a bill collection agency. They told me not to bother sending a check for {$35.00} because it was insufficient to close my account. Two weeks ago a firm called XXXX started calling my home phone number XXXX-XXXX times per day, at all hours, leaving messages that the purpose of their call was an attempt to collect a debt and any information I provided would be used for that purpose. I have not answered any of these calls, and they have sent invoices in the amount of {$180.00} so I am assuming that this is related to XXXX as I do not have any other outstanding debts, and am concerned this will impact my otherwise unblemished credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified XXXX  that my account balance was incorrectly being reported on my credit report. It had apparently not updated. 

On XX/XX/2020 I was notified by email that the investigation was concluded and XXXX   deleted the entire account and corresponding trade line. 

I never disputed the account as not mine or requested that it be deleted ; rather the balance updated as appropriate. 

Now correct and factual information has been deleted from my credit history with XXXX.
Product: Debt collection

They call multiple times a day, leaving threats about the debt owed. They say legal action will be taken. They have even called my parents several times and told them about the debt which is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX Reported me 30 days late. Then they reported me late again in XXXX. I have never been late. I paid off a loan in XXXX. They said it was an error with there system never called me in email told me it was paid and on the phone. I had to resubmit the payment that was never late. I had no more payments after XX/XX/2019. I have successfully paid off 2 loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not complete the process to obtain a Capital One Bank USA credit card on XX/XX/2019 and had recieved a message stating the application would be cancelled and would not be processed because they needed more information, which I never provided. It shows up as a hard inquiry on my credit report even though I was told the application would be cancelled and never processed.
Product: Credit card or prepaid card

Best Buy Account # XXXX In short, I purchased a television with an extended warranty. Best Buy was unable to repair the television so they agreed television back and credit my account accordingly. This was never properly done resulting in a credit default. Best Buy has countless notes reflecting our conversation and have since informed me that they are no longer handling this account.

After multiple escalations within the credit department at Best Buy I was assured that the account has been settled. I have recently received communications from CITI stating that my credit has been negativly impacted and I still have an outstanding balance. 

This account has been forwarded to the following two collection agencies : CITI XXXX. XXXX  XXXX XXXX XXXX, MO XXXX Account # XXXX Again, Best Buy has countless recorded conversations confirming that this debt was paid in full. They also have notes reflecting a XXXX balance.
Product: Credit card or prepaid card

I paid off the balance of my apple card by goldman sachs in XXXX of 2021 it reported to the bureaus that it was paid in full. This last saturday XX/XX/XXXX they reported that there was a {$9.00} balance ( after the card had been paid in full and account was closed ) causing my credit score to plummet
Product: Mortgage

I went into Forbearance with VHDA in XX/XX/2022. Was granted money through relief organizations that never reflected on the amount owed. Then when I was out of forbearance was told I qualified for a Virginia housing relief grant of XXXX XXXXk but I owed $ XXXX and needed to bring the balance down to $ XXXX to be able to receive the grant to pay what I owed. I ended up having to do a loan modification and sign papers saying that I owe them all kinds of money and I have no idea at this point. It restarted my loan for 30 more years.
Product: Credit reporting or other personal consumer reports

Credit Karma conveyed to me that they had a loan product through on of their partners that I had an excellent chance of approval or I would receive {$50.00}. I did not receive the loan, nor the promised {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had an auto loan that was paid off, I turned it in to purchase another car in XXXX and the dealership said the vehicle was repossessed and obviously not because it was with me to use as a down payment for a new vehicle. It stated profit and loss write off and a balance still on. I have called XXXX XXXX to fix that. They continue to not repair. I have notified trans union and nothing is being done. As I stated, XXXX XXXX bought my car and I used that as a down payment for my XXXX XXXX. It needs to show that it was NOT a write off or profit and loss. It was paid off by me and purchased by XXXX XXXX in XXXX
Product: Mortgage

My home mortgage is serviced by NewDay USA ( XXXX XXXX XXXX XXXX, Georgia XXXX : XXXX ). 

In early XX/XX/XXXX I received a letter from NewDay ( dated XX/XX/XXXX ) informing me that my escrow account had an overage and that I would be receiving a check for the excess amount shortly. As of XXXX XXXX, XXXX I have yet to see the funds for this disbursement despite many calls over several weeks to NewDay ( at least eight calls ). 

Every single action NewDay takes requires several days of processing with little to no follow up. My request to speak with a manager was met with the submission of a ticket which took several days to process and the manager I spoke with insisted that she was unable to speak with the department which issued the refund checks ( she said she could submit a request which would take several days to check on the status ). The manager even told me that me that once the check was mailed " it is out of our hands and there is nothing we can do. '' She had no response when I asked if the same standard applied to my mortgage payment which I've remitted on time over the course of the loan. Doesn't XXXX have a legal responsibility to return my escrow excess to me? 

When I asked if it was possible to transfer the money electronically ( using the same account I send them my monthly mortgage payment ) another representative told me that they could submit a request which would take a week to process. 

Other issues I've had with their customer service include the phone picking up but hearing nothing but children playing in the background ( I could hear the kids playing and calling each other by name ), phone picking up then getting nothing but static and random people talking, and calls being dropped. 

Overall NewDay Financial has had the worst customer service of any financial institution I've ever dealt with. The way they've handled the disbursement of my escrow payment strikes me as a company that is cutting corners wherever possible and may not even have the money to disburse in the first place ( that's why I'm getting such a run around ). They are either incredibly dysfunctional or plain dishonest.