23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I purchased a bed from XXXX XXXX, XXXX for a total price of {$4000.00}. They offered me no-interest funding for 36 months through Synchrony Bank . I took the offer. Then started making payments of {$110.00}, I made six double payments by XX/XX/XXXX. At that time I was paid ahead by six months. I make my payments through Washington XXXX XXXX on my computer. Then Synchrony said I missed a payment and I was delinquent. 

At this point, I have made 11 double payments and one triple on a bed purchase for over XXXX  XXXX. Synchrony Bank offered to give me a 36-month no-interest loan, which I accepted with the intention of paying it off sooner. How can I be late or delinquent? According to any bank I have done business with, I am 14 payments ahead. Synchrony has a bad reputation for being an unfair bully to their customers. 

Synchrony Bank is the subject of a federal criminal investigation into potential fraud. The investigation is being led by the XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX and is focused on the banks credit card practices. 

The probe comes amid a wider crackdown on the credit card industry by federal prosecutors. In recent years, prosecutors have brought cases against several major banks, alleging that they misled customers about the true costs of using their cards. 
Synchrony is the latest bank to come under scrutiny. The investigation is still in its early stages, and it is not clear what, if any, wrongdoing the bank may have engaged in. 

The bank has not been charged with any crime, and it is cooperating with the investigation. 

SYNCHRONY BANK HAS BEEN ORDERED TO PAY {$3.00} XXXX TO RESOLVE CIVIL ENFORCEMENT ACTION INVOLVING CALLS TO CONSUMERS IN CALIFORNIA Because individual restitution is not feasible under these circumstances, the judgment also requires that Synchrony Bank pay {$520000.00} in alternative restitution to a charitable trust fund to support additional consumer protection efforts. The judgment was filed in XXXX XXXX XXXX XXXX XXXX and was signed on XXXX XXXX, XXXX, by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The case was handled in XXXX XXXX by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX of the XXXX XXXX XXXX XXXX. 

I still owe 5 payments on this transaction, which I will pay in full Synchrony thinks they are entitled to late charges etc. They have very bad and in some cases illegal practices. 

Please help get this matter corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XX/XX/2018 I received a bill from XXXX XXXX XXXX for {$15.00} I immediately contacted the company explained that that amount was billed in error they agreed and closed their file and I mine. date of service XX/XX/18. 

With a letter dated XX/XX/18 from C.tech Collections Inc. XXXX XXXX XXXX, XXXX. XXXX, NY XXXX the collection company was communicating that XXXX XXXX XXXX XXXX had referred my account to their office for collection and that, unless disputed within 30 days, they would have assumed the debt as valid. Letter signed by XXXX XXXX VP Operations ( XXXX ) XXXX Payment ID # XXXX XXXX XXXX I immediately contacted XXXX at the collection company, very upset, informed them that there was no such amount due and immediately without asking further questions she stated to consider the matter closed and dont take further action. 

The above raised some suspicions, so I contacted the service provider, XXXX XXXX XXXX, who appeared to be astonished about the news as they stated never having referred such debt to this particular collection company. 

I am very much concerned about the unfair, deceptive action and practice from this particular collection company and I am wondering how many more consumers they have unfairly billed. Company such as these pose a dangerous threat to the community and need to investigated for possible UDAAP violations. 

On my part I would expect a letter of apology because they have insulted my intelligence and my integrity. Particularly for {$15.00} seem so pitiable action on their part. 

Thanks
Product: Mortgage

Hello I have spoken with SPS and informed them I am selling the property and I am impacted under the Covid 19 and requested and extension on my Forberance and I have been making my Forberance payments every month. 

Instead SPS sends me threatening lets and have not ignored my request and communication and continued to harrassed me when I am trying to get support and SPS sends me threatning correspondences. Calls me all times of the night and day and I am already sick.
Product: Bank account or service

I was a former Scottrade Bank customer ( I closed my account after what I consider to be a complete failure of Bank responsibilities when Scottrade announced that over XXXX XXXX customers had their very personal information breached ), see here : XXXXI closed my account because Scottrade refused to answer my questions about the data breach and had a generally unhelpful and unconcerned attitude towards the situation. Considering I 've been a victim of identity theft before, I am very concerned. 

Late week, I found that others are having identity theft problems as a result of the databreach and if you review XXXX and a google search for " XXXX Scottrade '' you will see that in as early as 2013, Scottrade was warned about security flaws but apparently did nothing. This is most concerning, in one of the FOIA requests obtainable by searching " XXXX " Scottrade '', Scottrade admits to being in receipt to a tip that detailed the exact flaws within Scottrade 's database system. 

Bottom line is, I am unhappy with Scottrade service and upon discovery that Scottrade failed to investigate warnings of failed security, I will be pursuing action against Scottrade. In this, I kindly request Scottrade provide me with a copy of the arbitration agreement.
Product: Credit reporting or other personal consumer reports

Hello I was born with a XXXX sister by the name of XXXX XXXX. Our social security number is XXXX digit different and her information appears on my credit report. Right now it is a delinquent account : XXXX XXXX thats been reporting on my credit report and it doesnt belong to me. It belongs to my XXXX. I XXXX XXXX do not have an account with XXXX XXXX. 

Please erase the XXXX XXXX account off my account asap.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : 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 Balance : {$69.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit score with Chase.com, and it showed I have a score of XXXX. The reasons it gave were that I had one or too many delinquent accounts, or accounts that went unpaid in over a 30-day period, but I have automatic payments for all of my bills, and I have never had a check bounce, and none of my accounts have been overdrawn because of a payment to a company. It is also telling me that I do not have any realty or home lending history, but I have been living in an apartment for over 15 months, and it is negatively impacting my score with misinformation.
Product: Mortgage

During 2020 I applied for mortgage forbearance, I was originally with the company Nationstar who was given to my mortgage by XXXX. 

I was impacted by XXXX and used the protection to stop payments for 12 months, at that time I chose to take advantage of the veterans option to have a loan modification process that would allow me to put those payments at the end of my current loan. 

It was initially processed through Nationstar and I received a notification that I would be receding documentation and mail that would describe the process and became the information about the change to the loan. 

No documentation was ever sent to my address, no documentation was sent to my e-mail, no documentation was sent to my XXXX account. 

Months later I checked my accounts and found that not only had they not applied the covid 19 relief, but that they were now rejecting the original application due to non-payment. 

During this time I had received no contact with them regarding the status and not a single document showing that there were any issues. 

Their website clearly stated that I did not need to do anything and that I would receive paperwork in the mail about the next steps. 

No paperwork has ever been received. 

I spoke to another representative at Nationstar at that time and explained the issues I had with the online process. That rep explained that they would re-initiate the process and allow me to make a payment to get up to date. 

I confirmed that I would receive another callback from the rep and that I would receive paperwork in the mail detailing the process and forbearance program that was applied. 
None of that has occurred. 

The company Mr. Cooper was then passed my loan. 

I have explained the same situation to Mr. Coopers representatives. 

Nothing has been done on my loan from Mr. Cooper either. 

I have no documentation showing that I have received approval for COVID-19 relief from them, or that they have contacted the previous company to confirm that I was eligible and approved. 

Their representatives have stated they would be checking on this and have failed to provide any updates since. 

I was originally told I had 50 days until foreclosure and it has already been 20 days. 

I can not wait any longer and am looking for legal assistance in getting the loan cleared.
Product: Credit card

I was accidentally charged for a recurring membership on two separate cards. It should have been on a different card, so I called the membership and they refunded me the money on this Chase card since there's no reason to pay twice. However, it still shows up on my Chase statement, three weeks later. I called the company back and they confirmed it was refunded and it's up to Chase now. However when I dispute through Chase 's website it won't allow me to do it, I have to call. I called twice now ( which takes forever ) and the charge is STILL THERE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. 

This incident began in XXXX of XXXX and is still ongoing. 

My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. 

The XXXX County XXXX in XXXX, NC is the responsible party. 

The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. 

Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient received my signed physcians statement of XXXX XXXX for the XXXX discharge application in XX/XX/XXXX, by certified mail return receipt.

They received my signed statement in XX/XX/XXXX by certified mail return receipt that I had no income.

Navient still has my credit report showing I owe them large amount of money. Not recognizing or recording XXXX discharge.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY third dispute there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : XXXX XXXX XXXX # XXXX {$3600.00} XXXX XXXX XXXX XXXX {$770.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX  # XXXX {$0.00} HARD INQUIRIES THAT NEEEDS TO BE DELETED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSIONto file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in removing the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OH XXXX XXXX XXXX XXXX XXXX OH XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX my husband and I requested a car rental from XXXX XXXX XXXX ( service provider ) for XXXX XXXX XXXX XXXX, Alaska. On XX/XX/XXXX we went to pick up the car and the service provider was unable to meet any appropriate standard for a car rental service ( see Exhibit A ). We were picked up from the airport and driven to a junkyard containing several dilapidated vehicles. Our first glimpse of the car revealed a hole in the hood presumably caused by an axe and blinking warning lights such as check engine and tire maintenance. We felt unsafe in this isolated and unfamiliar environment in Alaska and wanted to get out of there before we could ask the merchant for a replacement vehicle. 

As we drove the car, we discovered that basic safety features such as airbags, an engine which operated safely, and tire pressure maintenance systems were all not working on the car. This was communicated to the merchant multiple times ( see phone records and text messages in Exhibit B ), and he confirmed Some more vehicles coming in around [ XXXX XXXX ] guaranteed ( bolded for emphasis ). As you will see in Exhibit B, this replacement guarantee was not met at all and eventually correspondence went unanswered for several hours. We were eventually able to return the car to the service provider later that evening check due to the aforementioned safety concerns and the failure to provide a reasonable car rental per our agreement. When we spoke to the service provider at the car rental lot, they stated they were unable to access their credit card accounts due to an ongoing bank issue and thus requested us to do a chargeback in order to process a refund on the card. 

We would also like to note that we subsequently found that the owner and operator of the service provider was found guilty and sentenced in XXXX by the State of Alaska for reasons related to his involvement in the car rental business ( see http : XXXX XXXX ) and the merchant may want to reconsider doing business with an individual who has recent convictions in related businesses. 

We have been in communication with Citi since these events unfolded in XX/XX/XXXX via phone 7-8 times, each call lasting 30-60 minutes. They have been inconsistent with their responses, with various customer care executives claiming different narratives on process and resolution. They deliberately misguided us more than once by claiming that they will give us a refund or chargeback and not delivering on that promise. I would like to terminate any transactions on this card as soon as this issue is resolved. 

As such, I am requesting a refund due to ( 1 ) the service providers own advice to do so, ( 2 ) the inability of the service provider to provide the agreed upon car rental service, and ( 3 ) the merchants dispute response packet did not include any charge authorization by us, including signature, or evidence of the service being delivered. I do not accept this charge and request a full refund of the amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2 : also consumer reporting agency can not furnish a account without my written instructions. Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Completed the form and never got a text and tried repeated times to get my credit report which is my right under Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX. Under the FCRA, consumers are entitled to : XXXX free credit report per year from each of the XXXX major credit reporting agencies ( XXXX, Experian, and XXXX ) through XXXX. 
Additional free reports under specific conditions, such as if a consumer has been denied credit, is unemployed and plans to look for work within 60 days, or is a victim of identity theft. 
Consumer Rights and Remedies under the FCRA If a credit bureau willfully fails to provide a consumer with access to their credit report, the FCRA allows consumers to pursue legal remedies. Specifically : Actual Damages : Consumers can recover the actual damages they suffered due to the bureau 's actions ( e.g., if they were denied credit, housing, or employment because they couldnt review or correct errors in their report ). 

Punitive Damages : The FCRA allows courts to impose punitive damages against the credit bureau for willful violations of the law. While theres no specific cap set by the FCRA on punitive damages, courts consider the severity and impact of the bureaus conduct in determining the amount, which can sometimes be substantial. 

Statutory Damages : In the case of willful noncompliance, consumers may receive statutory damages between {$100.00} and {$1000.00} per violation, even if they cant prove specific monetary harm. 

Attorneys Fees and Costs : If the consumer prevails in a lawsuit under the FCRA, they may also recover reasonable attorneys fees and costs. 

In situations where credit bureaus violate these provisions, the courts determine punitive damages based on the level of willfulness, harm caused, and any pattern of neglecting consumer rights. 


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Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and have been trying to get my life back together, and have endured financial struggles due to the theft. I am almost homeless, and have taken all opportunities to survive. I have been trying to open checking accounts, as well as get a loan, and have been turned down each time. each of the credit agencies, as well as Early Warning Services , LLC, and XXXX have contributed to these denials. XXXX  XXXX XXXX, XXXX XXXX, and XXXX have closed accounts without giving me an explanation of why.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXXXXXX XXXX****-Balance {$0.00} XXXXBalance {$0.00} XXXX-Balance {$380.00} XXXXXXXX****-Balance {$0.00} XXXX {$22000.00}
Product: Credit reporting or other personal consumer reports

I am requesting the removal of this fraudulent inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please UPDATE the account in my Credit Report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Robinhood the investing app i have been using for 3 years closes my account with no reasoning and I can not access any of my money, i get all my money from my job direct deposited onto robinhood and as of now i cant use anything and im struggling to live and i have bills to pay. They wont help me so i need another source.
Product: Money transfer, virtual currency, or money service

Last XXXX XXXX I sent money to the XXXX at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Amounting {$480.00} + Transfer fees {$50.00} Then XX/XX/XXXX American time I recieved a message in the XXXX that they did not trace and recieved the money I sent, So I went back to JP MORGAN CHASE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to complain about the matter, They work on it I though they follow it up and it is okey now .Just this morning I was notified in my email that another {$480.00} was deducted in my account .Im just wondering what happened to the first {$480.00} that I sent last XXXX XXXX