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

I purchased two appliances from Lowe 's online XX/XX/XXXX. The total amount of this purchase ( {$2600.00} ) qualified me for a Fixed Interest promotion with 84 months of payments at 7.99 % APR. However, because this purchase was fulfilled separately due to XXXX of the appliances being backordered, the transaction was broken into 2 smaller transactions. This effectively placed each item on a short term, interest free promotion instead. 

I called when I first noticed this on my billing statement in XX/XX/XXXX and was told they would adjust accordingly, but it would take 1-2 billing cycles to adjust. After waiting a few more billing cycles, the promotion was never adjusted. I called again during the Summer of XXXX, and was told they would adjust the promotion, but it would take 1-2 billing cycles to reflect properly. Again, the promotion was never adjusted. 

I reached out again in XX/XX/XXXX, and was told that Synchrony could no longer update the promotion, and they had no records of my requests. I formally disputed with their management, and was advised that I go to the Lowe 's store that fulfilled my order to see if they could do a " Return & Rebill. '' Unfortunately, because of the date of the transaction, and the length of time that had transpired, they were unable to make any adjustments. 

I am formally complaining to the CFPB of these unfair and misleading promotional practices from Syncrhony and Lowes. I have been accruing interest on this purchase ( ~ {$600.00}! ) which is now set to expire in XX/XX/XXXX unless I pay this off in full, instead of having the extended promotion that I selected when I made this purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been dealing with an identity theft crisis and have been trying to get this fixed for months. there are multiple accounts appearing on my report that do not match my personal records. i have sent in many reports about these concerns and there has been little to no action taken. there are 2 XXXX XXXX XXXX   XXXX. 1 opened in XX/XX/XXXX and 1 opened in XXXX of XXXX. the other one is a XXXX XXXX XXXX XXXX opened in XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXXXXXX XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXX  XXXX Balance Owed : {$2000.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1700.00}
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, wear Experian has neither corrected no removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian 's inaction violates federal law and my right as a consumer.
Product: Checking or savings account

On XX/XX/2021, I reached out to the cash app to dispute a transaction that took place on XX/XX/2021. I also reached out on XX/XX/2021, and XX/XX/2021, to try to resolve this issue. And they have failed to dispute this matter and this falls under their policy and procedures to dispute an unauthorized transaction, especially if the full consideration has not been met.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. 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: Debt collection

I Consumer XXXX XXXX entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Navy Federal Credit Union made me purchase insurance separately. Navy Federal also failed to inform me of my right to rescind.
Product: Credit reporting, credit repair services, or other personal consumer reports

This should serve as a written notice to CoreLogic that I XXXX XXXX wishes to put a security freeze on any information on my account.
Product: Student loan

Hello. My name is XXXX XXXX. My email is XXXXXXXXXXXX I was almost relieved to see the Lawsuit agaisnt Navient, as i have a loan with them. For the last year they have been lying to me about co-signer release, stating that it was a possibility if I went through a differrnt payment plan, which I held up my end and paid on time only to find out they lied to me and my co-signer ' can not ' be released. I also still have in my position a copy of the refund check of {$520.00} that Navient LOST and I had to get the Better Business burough involved to locate the money they lost. I have been consistently mislead and lied to by this company.. they deny me income based repayment and are the absolute worst customer servicer I have had, which is saying a lot because I was switched over, not by choice, from XXXX XXXX . I think loans should be forgiven when the Loan Provider Navient is abusing and misleading their borrowers for personal monetary gain.
Product: Credit card

Received a monthly statement from Macy 's in XXXX 2015 with a balance of {$610.00}. I paid the bill in full by check, which was cashed by XXXX on XXXX XXXX, 2015. My XXXX statement from Macy 's showed no payment received, so I called my bank and got a copy of the cancelled check. I have called Macy 's American Express Customer Service at least 6 times, emailed from the Macy 's website, faxed a letter and copy of the check to Macy 's Credit Reporting XXXX times, and written XXXX separate letters to Macy 's credit agencies in XXXX XXXX, IA and XXXX OH. I am still receiving calls from Macy 's that I am overdue on my account and would I pay my minimum payment over the phone. I have heard nothing else from Macy 's, Macy 's Credit Reporting, or Department Stores National Bank ( they service the Macy 's American Express Credit Card ). This is not the first problem I have had with Macy 's payments, and I still have a blemish on my credit report from a 30-day late payment from years ago .. tried to get that removed with no success. Every time I call XXXX of the Macy 's Customer Service numbers I get an offshore agent that can not help me, and I usually get disconnected from the call, and each call is usually XXXX hour to XXXX minutes at least. I am not sure what else I can do in this matter. I paid my bill in full, in advance of the due date, and the interest and fees are adding up when I check my account online. Additionally, I have notified Macy 's in writing and heard nothing back from them. What do I do now? By the way, I will NEVER shop at Macy 's again, and will cancel this card once I get this resolved. What a hideous experience!
Product: Credit card

Used my card to get rental card insurance. The rental car was damaged and the damaged totaled XXXX ( that's XXXX XXXX ). This converts to {$1200.00} XXXX XXXX. ( see attached damage report ) Chase agreed the claim was covered, but the check they sent me was for {$980.00} XXXX dollars. They failed to convert from XXXXXXXX XXXX to XXXX dollars. See attached Claim Approval Letter This seems like a pretty simple and obvious mistake that is easy to fix. I have called Chase XXXX times in the past XXXX months. Each time, the XXXX XXXX representative sees the mistake and says they escalate it or report it to the XXXX for correction. But nothing ever happens. 

The claim number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have tried to dispute the account that total XXXX $ with the credit bureau. I sent several letters, also called and requested this collection is removed first attempt was XX/XX/XXXX, second attempt XXXX XXXX next XXXX XXXX and last attempt XX/XX/XXXX. I have also contacted the XXXX. This has continued to impact my life in a very negative way. I am in hopes to get some assistants in order to move this along and get this negative account off my credit reports.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Illinois XXXX XX/XX/year> Experian XXXX XXXX XXXX, XXXX, TX XXXX Dear Credit Bureau After carefully reviewing my credit report, I notice that the following accounts listed below are inaccurate. The open date, the date last active, the date of last payment are showing inconsistently between all three credit bureaus. I was reading over the Fair Credit Reporting Act Section 1681e ( b ). You are supposed to assure maximum possible accuracy. Can you investigate the accounts listed below? 


XXXX  XXXX After reviewing my credit report this account is reporting the incorrect open date, date of last payment, and date last active, can you reinvestigate this account according to section1681i of the fair credit reporting act. After your reinvestigation if you found this account tone inaccurate or incomplete or can not be verified can you delete this account according to section 1681i ( 5 ) of the fair credit reporting act.
Product: Credit card

I got a secured capital one credit card ( first credit card ) and I got a balance that I had to pay before XX/XX/XXXX, so I went online using the payment option on mt capital one account and try to pay for the balance, I made a payment for {$190.00} on XX/XX/2016 to capital one using my checking account. A few days later, got an email from capital one saying that my payment was rejected, so I call my other bank to try to resolve the problem and they told me that I have to provide my account XXXX digits number ( which I did n't know ) to make the payment. so after that I call capital one and made the payment again by phone of {$200.00} and this time it went true. Few days later got an email from capital one saying that my account is closed because of suspicious activity, so I immediately call them to explain what happen but my account is already closed and ca n't open a new one with them. What I 'm saying is that is unfair because it was a misunderstanding, did n't know I had to provide my full checking account number. So for that my capital one secured credit is close and I ca n't reapply again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal student loans, which have been placed in collections without proper notification from my loan servicer. This has negatively impacted my credit score, and I am requesting an investigation into the actions of the servicer and a resolution to rectify the situation. 

Details of the Issue : 1. My federal student loans were recently placed in collections, and I was not informed in advance. I did not receive any written notices, phone calls, or emails about the delinquency or the risk of default, as required by federal regulations.

2. I only became aware of the situation when I noticed my credit score had dropped significantlynearly 100 points.

3. Upon reviewing my account, it became clear that my loans had been sent to collections without any effort to contact me or provide me with an opportunity to rehabilitate or resolve the delinquency beforehand. My loans also show closed and open.

Impact of the Servicers Actions : The lack of notification denied me the chance to bring my loans current or explore available repayment options, such as income-driven repayment plans or deferment/forbearance.

This failure has caused significant harm to my financial standing, as the collections status is now reflected on my credit report.

Requested Resolution : 1. I request a thorough investigation into the actions of the loan servicer to determine whether they followed the proper notification requirements before placing my loans in collections.

2. I ask that steps be taken to rectify this situation, including : Removing the collections status from my credit report.

Providing me with options to rehabilitate or consolidate my loans to bring them out of default.

3. I also request that all future communication be sent to me directly, both by mail and email, to prevent similar issues.

Supporting Documentation : I have attached : A copy of my credit report showing the collections status.

Any correspondence from my loan servicer ( or lack thereof ).

Screenshots from my StudentAid.gov account confirming the current status of my loans.

I trust the CFPB to address this matter promptly and hold my loan servicer accountable for failing to comply with federal requirements. I am available to provide any additional information as needed.

Thank you for your time and assistance.
Product: Student loan

Knowing I would become delinquent on my Sallie Mae Private Student Loans, I tried contacting the consumer representative to be proactive to see what could be done. I asked to speak to a Collections agent, and they would n't put me through since my account was not past due. Instead, the representative told me he talked to them and they ( Collections ) said they could not help me until my account was past due so that I should let it go past due if I wanted help. He told me past due means 5 days, and that after 15 days delinquent but that I would not have to worry since 30 days is when they would report me to the Credit Bureau. This is extremely bothersome. They want me to miss a payment before they will help me? How is that helpful. It puts a stain on my account. Plus, who is to say they can even help me after I miss the payment? This is a situation where I needed to find out if someone could help me or if I will need to start calling all my family and friends to see if someone could help me make my payment. I needed help today, not when I am past due. This has truly upset me as I feel like they are giving poor advice and lacking in customer care.
Product: Credit card

I have had a USAA Master card since 1988. This account has always been in good standing. Recently USAA switched to Visa without my permission or consent. I called USAA to tell them I do not want the Visa and to cancel it. They stalled, put me on hold, switched me to a supervisor who told me if I cancel the card it will hurt my credit score, in essence a coercion tactic. This can not be legal or ethical.
Product: Mortgage

My HELOC is currently owned and serviced by Real Time Resolutions. They issued temporary payment resolution TPA ( attached ). I have asked for clarification on the issues listed, which RTR has failed to provide. 

1. A detailed ledger breakdown of the debt owed. They allege the debt is {$61000.00}. I have records on the debt showing that {$52000.00} is owed.

2. A description of the {$7100.00} down payment application. There is no designation of where those funds will be applied. 
3. After the TPA, there is no description of the future interest rate, terms or monthly payments. There is no long term resolution listed, only a reference to the original mortgage note. 
4. In the accounting ledger supplied by RTR, the balance was {$52000.00} as of XXXX. Also, both the settlement offer and the accounting ledger refer back to the original XXXXXXXX XXXX note for interest rate and payment. The current interest rate listed varies from .06625 and .08125 ... the periodic rate that is applicable per the XXXX XXXX note is .0312 and actually declined to XXXX for many years due to lower prime rates ( published in the XXXX XXXX XXXX ). There has been no explanation for the serious discrepancies.
Product: Mortgage

After the divorce of two of the three owners on the property ( one being unemployed for months and the other unable to financially contribute ), we attempted to sell however was unsuccessful even after lowering under value. In XX/XX/XXXX, I ( the third owner ) began submitting documents for the loan modification process. During this process, I have been through four different " Homeowner Support Specialists '' that all told me different things. I was told by the first representative to submit all paperwork with both my first mortgage and equity line account numbers on them so that the modification can be done at the same time for both. I was also told that if I accept any modified payment plan from XXXX XXXX then that would put a hold on the modification review. I submitted all the repetitive paperwork from XXXX until XX/XX/XXXX. In XX/XX/XXXX, the equity line was charged off due to missing documents. How can it be missing if you received it for both accounts at the same time and the 1st mortgage is in a modified payment plan????? I spoke with the latest " Homeowner Support Specialist '' that told me to contact the " Recovery Department ''. I contacted the " Recovery Department '' who told me that the loan was charged off due to being behind and not submitting documents. They said I had to speak with the new servicer. I spoke to the servicer who told me that I would have to speak to Citibank about why it was charged off and they wouldn't know. They also said that the loan is only with them until XX/XX/XXXX and then they don't know where it will be going. So I contacted Citibank once again and the " Recovery Department '' told me that I had to speak to someone in the Equity Department. I spoke to someone in the Equity Department that told me the same thing. I asked to speak to the Supervisor who said he couldn't help me after it is charged off due to not submitting the paperwork. I asked what paperwork was missing since they got it at the same time as the 1st mortgage. The " Supervisor '' said that he couldn't help me. I have been maintaining the property ALONE since then and am just trying to get a handle on the bills since it was thrown on me all at once. I have wasted countless hours trying to get both loans modified. I have gotten contradictory paperwork in the mail. At some point the modification was " rejected by me '' in the system when it wasn't ( but that was corrected ) I also got paperwork saying that Citibank wasn't the primary lien holder. BOTH ACCOUNTS ARE WITH CITIBANK. If the Equity Line was supposed to be handled separately ... WHY DIDN'T ANY OF THE FOUR HOMEOWNER SUPPORT SPECIALISTS TELL ME?????
Product: Credit reporting or other personal consumer reports

I am not familiar with this account. I originally called XXXX XXXX and they informed me that they had not sent any accounts to collections. I then filed multiple disputes with XXXX. The results reported that the account was verified. I then contacted XXXX XXXX XXXX and they informed me that there was no account there matching my social security number. They said I needed to reach back out to XXXX to confirm the information being reported. When I spoke with XXXX, they concluded it was an account from XXXX, however, they do not offer XXXX in the region that I live. So, I believe this account was opened fraudulently under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : XXXX XXXXXXXX XXXX  XXXX XX/XX/2022 XXXX  XXXX # XXXX Collection XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a incorrect balance on my credit report of XXXX from XXXX XXXX XXXX. In XX/XX/2018I got custody of my XXXX grandsons who lived in Alabama because their mother was in XXXX  XXXX XXXX fighting for her life. I had to fly to Alabama and get my grandsons and bring them back to XXXX XXXX with me. Within 3 weeks my grandsons mother passed away. I had to fly back to alabama and take them to her funeral services. I advised XXXX the property manager of what was going on. I told her I would be late with my rent and will she work with me on my rent she said yes. I got a eviction notice on XX/XX/XXXX. I didn't have the money for my rent and I told her I wouldn't have it until the XX/XX/XXXX. because of what was going on with my grandkids put me in a financial hardship. I agree I do owe XXXX XXXX XXXX 1 month rent and for carpet cleaning, and for two small drills in the wall where I hung my tv. I do not owe them XXXX I am disputing that amount for the following reasons. 1.  I asked the resident manager XXXX due to the untimely passing of my grandkids mother if I had to break my lease will they not hold me responsible for the remainng months on my lease and she said no. 2. when I moved into the unit the carpet was worn but clean, this was not new carpet. 3.i paid a XXXX in administrative fees and depoisits to move in if not XXXX it was close to it or more I need to find my lease. 4. I am disputing the validity of this debt totally incorrect on the numbers with my depoisit I calculate around XXXX is what I owe I was not evicted I move to a shelter with my grandkids. this amount is inaccurate. please remove or either accept the XXXX I am willing to pay in 3 installments.
Product: Debt collection

Letter dated XX/XX/XXXX from Lockhart , Morris & Montgomery , Inc. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX www.LMMInc.com Asking for XXXX payment of debt owed on XX/XX/XXXX through Original Creditor : XXXX XXXX XXXX AS Now owed to XXXX XXXX XXXX 

Asking for payment or writing for more information to stop collection.