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

I purchased about {$7000.00} of a  ppliances from hhgregg 's in 2015 and they recommended that I use their 24 months no interest plan to payoff the purchase if I signed up for the payment plan with Synchrony Bank, their credit arm. I said fine although I was able and willing to pay for the purchaser in its entirety at the time.
I signed some papers to set up the arrangement. I trusted the sales person that the payment plan would be set up as promised.
Following the purchase I received an bill from Synchrony bank for the purchase and I set up direct payment against my checking account assuming that the payments would come out of the account as promised.
To make the story short, they only took out the minimum required payment and two years later they have now charged me over {$4000.00} in deferred interest charges at 30 % rate! My payoff balance was less than {$3000.00}. I called the bank to pay off the balance but they said I owed the  m not only the balance but the deferred interest. This is truly a fraud.     I am intent to take them on and have hired a lawyer. I think this is a class action suit.     Meanwhile hhgregg 's is out of business ...
Product: Vehicle loan or lease

There was not an appropriate box to check so picked the ones I did. Two things, I have reached out to Commerce bank in regard to my loan asking for specific information and they have not responded. 

Today I received a notice in the mail notifying me they had purchased auto insurance on my behalf. I already have insurance and they are listed with the provider AND they sent no prior notices about this. Just went ahead and charged for the insurance. 

This company has proved to take whatever action they wish, whenever they wish without regard for the the consumer. There utter lack of communication is against ethical business practices and I would like this issue noted and investigated.
Product: Credit reporting or other personal consumer reports

I have disputed my address and personal information on all XXXX credit reporting agencies. They have all failed to correct the address. My address is XXXX XXXX XXXX XXXX XXXX XXXX. The has always been my address. No other addresses should be reporting on my credit report. It has also been the only address on my drivers license. Any other address that is on my credit is a result of fraud. I have attempted to remove it with no success on Experian, XXXX, and XXXX. I have also filed a report on identity theft.gov. and submitted it to those reporting agencies but they failed to remove them. this is a Violation of 15 U.S.C. 1681i ( XXXX ) removal of all inaccurate/invalid credit. Please remove immediately.
Product: Money transfer, virtual currency, or money service

PayPal is trying to stick me with a bogus chargeback. I have provided them with more than sufficient documentation to stop the chargeback from the credit card issuer of the purchaser, to include an email from the purchaser saying " I know there are no refunds '' and evidence that the purchaser acknowledged terms and conditions of the purchase, not once, but THREE times. 

PayPal has clearly not tried to fight the chargeback themselves and would rather push it off on me. 

Unacceptable!!!!!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

My property is originally financed by Wells Fargo Bank and Insured by XXXX XXXX XXXX. When I applied for a Home mortgage refinance Loan it was denied. I asked for refinancing on the first mortgage because there is a first mortgage and a second mortgage on the property. I pay the property taxes and the Insurance premium on the property to reduce the cost of refinancing. I was told by the banks representative that I must include in the loan refinance package the following : First mortgage and second property loans Taxes and property Insurance All closing fees. 
Due to the piling on fees, I could not afford the loan package offered by Wells Fargo Bank. It appears the bank offered was intended to be unacceptable. 

My second Home Refinance attempt, I was informed by Wells Fargo Bank representative that a XXXX XXXX Dollar ( {$300.00} ) appraisal fees is required, the appraiser fee was to be placed on a credit card and no guarantee the loan would be approved. I did not have the money, therefore I was denied by the bank. 

My third attempt to refinance the home loan, the Wells Fargo representative stated I needed XXXX XXXX XXXX ( {$500.00} ) on a credit card for appraiser fees. I was denied refinancing because my debt ratio was to high. 
My income debt ratio is high due to the high interest rates I pay Wells Fargo Bank on the property first and second mortgage, that is XXXX of the reasons,
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i mailed a letter requesting verification of inaccurate accounts that are showing on my credit report. I never received a response. I mailed another letter on XX/XX/2020 but still havent gotten a response and it's been 6 months and these inaccurate accounts are still on my credit report.
Product: Vehicle loan or lease

violated my consumer rights 15 us. code 1662 advertising of downpayment and installments 15 us code 1635 " Right of Rescission '' Truth IN LENDING ACT REGULATION Z
Product: Credit card

# XXXX We have a 0 interest card with Citi. I made XXXX payments in XXXX after the XXXX intended to be paid towards XXXX XXXX due date. {$100.00} cleared XXXX XXXX ( the due date is the XXXX monthly ). Citi applied that {$100.00} to XXXX rather than XXXX so I got a notice I had n't made a payment on time. The second check for {$45.00} was correctly applied to payment due XXXX XXXX. It cleared XXXX XXXX. Because the {$100.00} was applied incorrectly my XXXX XXXX payment was short. I talked to XXXX people in customer service and sorry, they could n't back the {$100.00} out and reapply to amount due XXXX XXXX. We are self employed and credit is very important buying real estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, XXXX & FOURSIGHT CAPITAL fraudulently reported an inquiry on my credit report in violation of 15 USC 1681 ( a ) ( 4 ) and 1681b ( a ) ( 2 ). I have never given FOURSIGHT CAPITAL, XXXX, XXXX nor XXXX written permission to disclose any information contained in my consumer credit file. They have all blatantly violated the law and thereby have violated my rights as a consumer to be free from this type of financial, economic and mental abuse.
Product: Credit card

In XXXX of XXXX, Ally Bank took over my credit card from Ollo Bank. I had had the Ollo card for several years and used it without incident, and always made payments on time. From the moment Ally Bank took over they sent emails letting me know I needed to sign up for their online account to make payments, manage the card, etc. Every time I attempted to do so, their website indicated that they could not find my records ( all of my information was correct ). In the meantime, my card went past dues as I had not received my new card, didn't know my account number nor did I have a phone number to call. Over the next few months, the card did eventually arrive ( now with my account on hold ) and I was STILL unable to create an online account. I downloaded the APP which also gave me the same error message. I eventually called them to make a payment and find out what was happening with my account and was told I had XXXX late payment fees on the account. I brought it up to current and gave them the information about not being able to log-in or use the APP. They assured me that it would be resolved within 10 days. That was in XXXX of XXXX. I have now had to call each month to make a payment, and ask about the status of being able to log-in to see transactions, etc ( I have absolutely no view into anything that may be charged to this card as I have been enrolled in paperless transactions as well! ) Today I was informed by the agent who " helped '' me that she gets these same phone calls at least 15 times a day. In other words, XXXX year into this, ALLY has yet to actually help the clients who are now theirs from the purchase of Ollo Bank. This is ridiculous!! I was able to get them to start sending me paper statements so I can at least see my balance and transactions, but this will be the first time in a year that I will be able to see these transactions and have had to pay hundreds of dollars in late fees and added interest while this remains unresolved. This is completely unacceptable.
Product: Credit reporting or other personal consumer reports

I sent a letter off on XX/XX/2023 to all three credit bureaus. 

Here are my Tracking Numbers : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Transunion : XXXX XXXX XXXX XXXX XXXX XXXX I requested to remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.
Product: Debt collection

They were not sending me the letters and mails they claimed they were sending. My name is not XXXX XXXX. I kept telling them that I did not sign any contract with them and I did not collect any loan from them.. they kept saying someone must have signed me up for the account.

I dont owe them. Please find all the letters and emails they say they sent to me and letters sent to the credit report that they did not honor or do proper investigations on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX and TransUnion on XX/XX/XXXX and XX/XX/XXXX regarding late payments noted for two accounts ( XXXX and XXXX XXXX XXXXXXXX ) as they were reported in error and I have not received written notice back from any of these credit bureaus. 

XXXX late payments reported : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX late reported : XX/XX/XXXX
Product: Credit card or prepaid card

I have perfect credit until someone used my XXXX card fraudulently. They charged {$270.00} and the bill was sent to a different address prior address. I had not used this card since XX/XX/2016. These charges showed up and have been proven by XXXX as fraud. They will not supply me a letter removing the 1 30 day late, 1 60 day late and 3 90+ day lates or a letter stating XXXX balnce. This has crippled my credit score and causing me delay in purchasing a home that is closing at the end of the XX/XX/XXXX. They promised after another 1.5  hour long phone call 5 letters to be sent by email clearing this up and now they refuse to send them. They say it will take 60-90 days for them to submit letters to credit bureaus, where if they provide the letters my loan officer can fix my credit in 3 to 5 days. I have spent 10 hours over multiple days. This is inexcusable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Erroneous Names and Addresses on Consumer Credit Report Dear Sir/Madam, I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
XXXX XXXX XXXX XXXX XXXXXXXX, Al and XXXX XXXXXXXX XXXX XXXX XXXX XXXX  NY 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  This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. 
The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of Information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 
2. 15 USC 1681i - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. 
I request a thorough investigation into these inaccuracies. 
3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. 
I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide m

e with a free copy of my updated credit report. Failure to address this dispute may res
ult in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Debt collection

Company trying to collect a debt for which I have no contract with and have made no attempt to contact me regarding it. This debt collection is on all 3 of my credit reports.
Product: Checking or savings account

This is a new complaint but is caused due to another complaint currently pending. I am negative my account because BOA refuses to revese the funds they took out of my account causing me to go negative. I had a bill come out of my account yesterday and it caused me to go negative due to well the money for this bill is being held up by BOA claims department and fraud prevention ( i guess when you're fraud prevention you know how to scam your cosumers without any quilt. ) Thing is i dont get my check until Monday and now i am in a even bigger mess because i am deeper in negative which they didnt give me any time to get to a bank to deposit money to get my account up to date. I forgot the payment was coming out and before i could change my payment method it was too late. And BOA doesnt care. They are going to sit here and hit me everyday until moday with overdraft fee of {$35.00} causing my check on monday to be even less and putting me at a even bigger disadvantage to catch back up from the hole they caused me by not giving my money that was taking out of my acount not once but twice without my permission. Claim department wont help me at all and i have to wait even longer for them to prove why I dont deserve my money that is legally mine. They refuse to give me any help because of the complaint i put in i am sure. Bank of america has to be investigated. They are hurting cosumers more than helping. Its a shame. They are supposed to protect thier customers. We chose to put our hard earned money in their banks, with the confidence that they wont scam us of commit fraud like they have already done to me so far. Please, something has to be done. If this is happening to me, i can only imagine how many more people they are doing this to. And i currently bank else where, and i promise you, it is nothing like here. This is horrible.
Product: Debt collection

I had been using XXXX XXXX insurance for my home and autos, for several years. My insurance renewal date has been XX/XX/XXXX, of each year. My total annual bill has been around {$2000.00} up until the summer of XXXX ; when XXXX XXXX  sent me a bill for over {$4000.00}. I called several XXXX agents and was able to get this XXXX XXXX error fixed and my XXXX bill was dropped back down to around {$2000.00}. In the summer of XXXX, I started getting notices, from XXXX XXXX, stating that my next bill would be around {$3700.00} to {$3900.00}. I called XXXX XXXX and complained about their price jump attempt and also complained about XXXX XXXX attempt to over value my Home, the Contents and Auto values in order to collect high payments from me, and I told them that their offer was unacceptable. I also called a XXXX XXXX Corporate number and explained the over charging problem and they offered to reduce my new bill about {$100.00}. I confirmed that they couldn't do any better. I then conducted a search of other Insurance companies and found that I could get coverage from XXXX Insurance for close to {$2000.00} and that coverage was roughly four times better than XXXX XXXX 's offer. I signed up with XXXX Insurance and have recently confirmed that XXXX has two signed and stamped letters confirming XXXX 's coverage to XXXX XXXX. These are dated XX/XX/XXXX. Since late XX/XX/XXXX through XX/XX/XXXX I have been receiving a continuous stream of email bills from XXXX XXXX ; that range from {$3700.00}. down to {$450.00}. plus. I have responded to each and every one of these ; but they never responded back with apologies for their harassments. On XX/XX/XXXX I received a collection notice for {$420.00} form a collection agency named CREDIT COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, Ma XXXX ). I called CCS that morning and spoke to a woman, who refused to listen to me. I explained that this was a scam by XXXX  XXXX and that CCS was an accomplice in this scam for sending me this collection notice without obtaining any data on this attempted collection, and that they and XXXX XXXX would be held responsible for all of the harassments and charged for time spent by me, to correct this scam. Today I also received an email from XXXX stating that had just been a negative change to my Credit Rating. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains inaccuracies related to 15 USC 16c-2. The listed inquiries were not authorized by me and are negatively impacting my credit. Kindly remove all unauthorized hard inquiries. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX ,   XXXX   I contacted   XXXX   XXXX   XXXX   XXXX  regarding the removal of my current mortgage serviced by Select Portfolio Servicing from my credit file. I spoke with a representative whom advised that   XXXX   had received an "  Electronic Communication  '' from  Se  lect Portfolio Servicing to remove the item from their credit reporting. I spoke with Select Portfolio Servicing on  the same day  XXXX   XXXX ,   XXXX  , and they advised that they had not sent any communication to   XXXX   regarding my account and it still should be reporting as usual.  Select Portfolio Servicing  faxed me a copy of the information that had been reported earlier in  XXXX  to   XXXX   f  or reporting.     Due to   XXXX   XXXX   XXXX   XXXX  removing my mortgage from my credit file, my  credit score  has dropped from  XXXX  to  XXXX .
Product: Mortgage

In XXXX, I had had Seterus send me numerous letters stating my mortgage was late, prior to me having a XXXX XXXXXXXX and I needed a modification so my son could help pay until I either received XXXX or could find new employment. Prior to my XXXX, Seterus would receive my mortgage payments but sent me letters stating my mortgage was past due and tried to collect XXXX mortgages a month. After I started telephoning my payment in, they would charge me a fee and take that out of my mortgage. I filled out paperwork and contacted them over and over and they stated bc my mortgage was with XXXX XXXX  at tge time I sighted documents to purchase, it stated if I missed a payment the whole balance was due. They XXXX sold my home for a third of what it was worth and I was left homeless and had a XXXX.
Product: Student loan

I have multiple student loans from medical school that are serviced by Navient. Two federal student loans ( in one billing group with one due date ) and three private students loans ( in a second billing group with a different due date ). Despite the fact that I send my two payments automatically from my bank ahead of the due dates each month, Navient continues to misapply my payments between the two groups and subsequently hassles me with phone calls and emails saying that my accounts are past due. This has happened REPEATEDLY over the past few years. I just got off the phone with Navient AGAIN after discovering that they had incorrectly applied myXX/XX/2018 and XX/XX/2018 Federal Loan payments AND my XX/XX/2018 private loan payments! The only way Navient will guarantee the correct allocation of my payments is if I consent to direct debit from my personal checking account each month. I am reluctant to do this due to experiencing identity theft in the past and breaches of my personal data ( including my social security number ) by other large financial institutions. I have verified the correct payment addresses, due dates, account and billing group numbers, and amounts for all of my student loans. My bank sends the checks and they arrive before the due date automatically each month. Navient should be able to correctly apply my payments. I am doing my part as a consumer. They are NOT doing their part as my lender. I have had several Navient customer service representatives tell me that this is a frequent problem for their customers. NOTE : because I have accepted electronic correspondence from Navient, I no longer receive paper statements. Most of their communication regarding the erroneous past due payments is via voice mail and email. These communications do not specify the reason for the call, they simply instruct me to call Navient. Therefore, I do not have any helpful documentation I can upload. I have pages and pages of handwritten, personal notes that I could transcribe if helpful.
Product: Credit reporting or other personal consumer reports

hello back on XX/XX/19 a letter was sent to Experian disputing some information reporting to my credit that is not accurate. I have also not received any correspondance on them processing my request. I wish to have my voice heard please adv them that they are required to...