23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

i am trying to finish a payment on a fireplace and avoid interest. synchrony keeps allocating my payments to the wrong account and this is jeopardizing my entire intent which is make timely payments and avoid huge interest balloon. thru your office and my LAST COMPLAINT ( see your file please ) i was assigned a XXXX XXXX office of the president to help but he is not helping and failing to personally allocate my payments properly despite his promise personally and on my voicemails to do so and allocate my large payments to the proper account. THIS IS A MESS and i was assured it wouldn't be a mess by XXXX XXXX office of the president. 
last week ( today is XX/XX/year> ) XXXX XXXX told me he would personally allocate my payments in the correct account yet he has now GHOSTED ME since XX/XX/year> and i counted on his personal word to do so and have not been able to reach him for 6 days to determine if he did so - so now I appear delinquent. i spent 2 hours on the phone trying to reach him and the office of the president however customer service kept escalating the call with no luck getting to the office of the president. this is fraud.
Product: Credit reporting

Company Equifax keep reporting XXXX as a collection account with monies owed On XXXX XXXX 2015 Judge ruled against that order and I am no longer liable for collection on this account Its negative reporting has caused me to suffer change has come
Product: Other financial service

when making a purchase at XXXX in XXXX nj, I wrote a check. XXXX contact global payments check services inc for authorization, they declined authorization without reason. I contacted Global who refused to give a reason and informed me they also ran credit checks for check authorizations. Global never asked for authorization or permission to run my credit. Global also acts as a Credit Reporting Agency and collects their own info on people which they base their authorizations on. They refuse to give reasons for declining a check and says they do not correct any info because they do not speak to individuals when they decline to authorize a check. Global Payments Check Services Inc. needs to be investigated for their collection of info and compiling of credit reports that they base their decisions on. Global Payments Check services Inc should be fined for the unauthorized credit checks they run when contacted for a check authorization. Global Payments Check Services Inc appears to be trying to circumvent laws and regulations when it comes to consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please annul these not compliant alleged accounts saying that I was late. Its not true. This is false reporting. I contacted the credit bureau responsible for this but they did not yet respond..Please help me by removing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX   XXXX
Product: Money transfer, virtual currency, or money service

I get notification the cash app is to losing my account due to suspicion and illegal purchases and that I did not complie with their terms
Product: Credit card or prepaid card

Capital One is not honoring the bonus offer for the Venture Rewards card that I applied for and was approved for in XX/XX/XXXX. The advertised offer was for up to XXXX reward points : XXXX after spending a few XXXX dollars in the first few months, then another XXXX after spending {$20000.00} within the first 12 months. 

I received the first XXXX bonus and called Capital One Venture customer service on XX/XX/XXXX, to find out how close I was to the second bonus. The representative told me that there was no second bonus offer associated with my account. I asked for and spoke to a supervisor, XXXX, and explained that the landing page for my application had advertised the XXXX reward point offer, that I had relied on this when I applied and continued to rely on it as I was using the card for purchases. He ignored this, asked no questions about what I had seen, and said something like " The Capital One reward bonus offer structure did not provide me with a second bonus. '' I asked XXXX to clarify whether he was refusing to provide me with the second bonus. He answered that he was refusing.
Product: Money transfer, virtual currency, or money service

Yes I found out in my robinhood account from XX/XX/XXXX to XX/XX/XXXX I was locked out and if investigated you'll see how I invested way more than XXXX dollars via my bank XXXX XXXX XXXX XXXX XXXX XXXX Iowa. Account being XXXX I only received XXXX dollars. I also noticed Bunch of automatic withdrawal charges from robinhood and stocks I never sold or bought. I also left XXXX shares of doge coin cryptocurrency in the account XXXX with robinhood under my son XXXX last XXXX. I got locked out again and later a police officer showed me I had hundreds of XXXX  stocks sold totaling over {$9200.00} that went into a different account my XXXX shares of XXXX XXXX were GONE out of my robinhood account. In XXXX I got married and our joint account at XXXX Iowa XXXX XXXX XXXX XXXX XXXX XXXX XXXX had a reoccurring charge of XXXX dollars get taken out of our joint bank account every XXXX weeks still. I've contacted robinhood XXXX + times with no remedy they simply stated all other accounts prior were closed and now no response. The doge coin was XXXX a share when I bought in XX/XX/XXXX. Now I have and understood the IRS wanting tax on stocks etf and cryptocurrency that they believe I sold. I have no idea where my investments went. XXXX is trying to offer me a XXXX dollar settlement for time and money lost plus a XXXX account I've notice was opened under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX? I'm showing false loans and equipment rentals on my XXXX major credit bureaus along with all XXXX different info XXXX different name 's and XXXX different SSN. Please help XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

During the process of selling my home in XXXX, FL the title company, XXXX XXXX XXXX requested a loan payoff amount as is industry norm. XXXX XXXX XXXX received the payoff amount by fax on XX/XX/XXXX from the lender, Ditech, which showed the payoff of XXXX listed on the statment as valid throughXX/XX/XXXX. XXXX XXXX XXXX  paid this amount to Ditech on XX/XX/XXXXwith electronic IMAD # XXXX. I received a letter from Ditech approximatelyXX/XX/XXXX that stated that my payment was late. I contacted Ditech and they informed me that they had mis-applied the monies and that they in fact had a surplus in the account that would re-disbursed to me no later thanXX/XX/XXXX. On XX/XX/XXXX I received a letter from Ditech stating that my loan was still open and that I owed in excess of {$800.00} that was dated XX/XX/XXXX. Upon calling Ditech I was told that they paid the taxes on XX/XX/XXXX therefore, the payoff letter was nullified. Ditech charged me in excess of {$1000.00} dollars in interest on the loan during this time. I then paid {$1000.00} from my personal account onXX/XX/XXXXto satisfy any possible outstanding balances even though there was a surplus of more than {$570.00} in my escrow account. Pursuant to federal law, being that the taxes for year to date had not been paid by anyone on XX/XX/XXXX, upon closing, XXXX XXXX XXXX paid the taxes on the property and they were received by XXXX County Tax Collector on XX/XX/XXXXwith a check that cleared that same day. The reference number for the check is XXXX in the amount of {$1200.00}. XXXX County Tax Collectors office informed me by phone on XX/XX/XXXX that they did not receive a check from Ditech for the taxes untilXX/XX/XXXXand the envelope the payment arrived in was post markedXX/XX/XXXXThis does not match the payment date of XX/XX/XXXXas stated by Ditech. The rejection letter for the payment and check were returned to Ditech on XX/XX/XXXXby XXXX County Tax Collector as the account had already been paid by XXXX XXXX XXXX  on XX/XX/XXXX XXXX County Tax Collectors Office can be reached at XXXX  option 2.I have all documents referenced and those that show I was continued to have interest charged on my account in excess of {$1000.00} even with the exacting dollar amounts listed as pay off delivered within one day of the payoff letter being faxed to XXXX XXXX XXXX. I have spoken to 5 or 6 different employees and each one has " no idea why all this happened '' but they " apologize and will do what they can to help '' which to date has been nothing. These people need to be held accountable for their ILLEGAL and UN-ETHICAL practices. Again, Ditech has not provided truths in this manner and this falls under predatory and illegal practices. Additionally, they have to date REFUSED to put any of the conversations over the phone in writing with me and they have REFUSED to send me a statement of my account with full payment history. They have preyed on me as member of the US Military and I am certain they have done the same to others.
Product: Credit reporting or other personal consumer reports

I received a few late payments on a mortgage at the tail end of XXXX and tried to dispute this information XX/XX/XXXX. The reason I was disputing this information is that it was awarded to my ex in our divorce. I have attached the divorce decree and judgement for the court that pre-date the late payments. Unfortunately, my ex-husband did not pay the mortgage and it affected me. The original divorce decree was dated XX/XX/XXXX, the late payments started in XX/XX/XXXX. 
I have uploaded the final judgement dated in XX/XX/XXXX. I was able to remove a portion of the late payments but there are still some on there. XXXX XXXX has a late in XXXX, XXXX has a late in XXXX, and Equifax has lates in XXXX and XXXX. I have tried disputing this information with the Credit Bureaus in XXXX, XXXX and XXXX to no complete avail. I am glad that they were able to remove a portion of them, but I need all of these removed. The late payments were not mine, as the divorce decree signed by a judge states, and the judgement. I have written and called the Bureaus but that has not got me anywhere. 
I am attempting to get a new home and start over fresh but it seems that the Credit Bureaus do not want that for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires 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 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 To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Student loan

I have tried to obtain information about the school that I went to. It 's called XXXX XXXX and was located in XXXX, CA. Navient has not been able to provide me any information in regards to the school, can not provide information about the type of loan I have with physical documents and I know that XXXX had bought out the school and that has since been closed down. 

I filled out an Income Based Repayment Plan application and was told that my payments would increase from {$110.00} to {$140.00} however the monthly payments SKYROCKETED to {$280.00} and nobody can tell me why. I even get emails monthly that show that my {$140.00} payment is n't due until XX/XX/XXXX. 

I feel that since I am not able to get the services from the school that I am paying for that I should n't have to pay since the school has CLOSED forever and I can no longer take refresher courses as disclosed in my paperwork that nobody at NAVIENT can seem to provide. I feel that this loan should be FORGIVEN due to the nature of the closure of the school and based on NAVIENT 'S inability to provide ANY documentation in regards to the loan in the first place.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received an alert that an unauthorized inquiry was placed on my report by XXXX XXXX. I did not give my consent for anyone to access my report. Please remove the unauthorized inquiry from my report. If not, please send me verification in the form of my signature, photo ID, contract, SSN, granting permission for the unauthorized inquiry. This inquiry is damaging to my credibility and should be removed immediately, thank you!
Product: Debt collection

This company put a offending remark on my credit report about an amount of {$2200.00} that happened during the pandemic
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I have had PoA for my parents IRA and stock accounts at Wells Fargo. Quarterly statements arrive to my address. Both parents have now passed on and I am executor for the estate. I called Wells Fargo XXXX to close the accounts and send checks to the estate. After one hour, and three different people in their Estate group, no one can find the accounts using the account numbers, names or SSNs. They say maybe the money has been turned over to the state. 
I have had the PoA, I review each quarterly statement including the one through XX/XX/2021. And just received a notice from them about transferring management of the accounts to another firm. 
Other than telling me to go to a branch office and talk with someone there, they have no answers for where the accounts or money are. 
Ive never encountered or heard of anything like thiswhat can be done? I have also alerted my lawyer for the estate about this situation. Help?
Product: Money transfer, virtual currency, or money service

In XX/XX/year> I ordered a sink drainer it came from XXXX. On the website it stated it was compatible with all sinks it was not. Everything was written in XXXX. It was difficult to respond or send back. I filed. Complaint with PayPal the amount of purchase was {$30.00}. Which PayPal is supposed to help the consumer when a product is not right. Pay Pal has been given me havoc since XXXX kept denying in the seller 's favor. I constantly calling them. They were sending me XXXX repedily asking me for the tracking # which I gave because they found an address in XXXX promised they would pay for shipping {$30.00}. it took 4 months to get that but not given for the return item. {$30.00}. They promise to correct refund me and never do. I did everything the seller and PayPal. I should just get a refund. 
Thank You XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my last notice. You are reporting a fraudulent debt on my credit. Never had this debt. I have already reported this fraudulent account.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
US DEPT ED XXXX Balance : {$2200.00} US DEPT ED XXXX Balance : {$3800.00} US DEPT ED XXXX Balance : {$2400.00} US DEPT ED XXXX Balance : {$3400.00} XXXX XXXX Balance : {$9100.00} ( Original Creditor : ) XXXX Balance : {$1200.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of Bank of America. They stated that I needed to make a payment on the debt. the debt was over  {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with Bank of America. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
Product: Bank account or service

I have a citibank checking account for more than a month now. But i am not able to access it online. Every time I am getting this message " We 're very sorry we 're having technical issues. Please try again. We apologize for any inconvenience and appreciate your patience. [ XXXX ] '' On phone or via email there is no help to get proper support. I am clueless how to move forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX and XXXX I went and I applied for my XXXX XXXX XXXX XXXX early tax refund. I was denied due to Experian saying I had an open bankruptcie. I then got a hold of Experian I do not know who I talk to because I could not understand his or hers name just like today when I talk to them I did not understand the second guys name. The first one I talked to was XXXX, but he sent me to some one else. last year I had to fax over proof and I mailed it in to Experian that the bankruptcy was closed from XXXX I proved it was closed they took care of it because I was able to go back to XXXX XXXX XXXX  XXXX and get the early refund. This year today XX/XX/XXXX I went to go get the early refund again to be able to fix my vehicle. Yet again because of Experian saying that the bankruptcy is still open from XXXX even though I've sent them the paperwork stating that it was closed I got denied again for the same reason. today XX/XX/XXXX I called Experian and I started off talking with a gentleman named XXXX who forwarded my call to somebody else who was supposed to be able to take care of it right away for me I could not understand the man 's name. he said I would have to wait 30 to 45 days for them to fix what they failed to fix last year even though I emailed them and uploaded the documentation stating that it was closed and it needed to be changed on my credit report. I then asked him how I can make a complaint to Experian about whoever dealt with my stuff last year the guy then proceeded to tell me I needed to get an attorney and go to court to make a complaint about them. I have dealt with this issue and they have the proof. I'm being denied credit due to this fact. and I don't feel I need to wait another 30 to 45 days for something they should have fixed over a year ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

We had a series of deaths in our family. This caused some issues paying our bills. I enrolled with XXXX XXXX and let all of my credit card creditors know. They worked out settlments with XXXX ( XXXX XXXX  ), XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. They are still in the process of working out a settlement with XXXX XXXX. All of theses accounts ( except XXXX XXXX ) are paid in full according to the agreement ( some are with a legal firm ). In fact once we got caught up I paid the balance of the settlement off early with XXXX XXXX, XXXX XXXX, and XXXX XXXX. Most of these creditors report the accounts incorrectly. For example, most of them are still reporting an " FP '' failed to pay currently even though there is no balance. Most of them are also reporting the status of the account as derogatory or a charge off. Also, they are reporting that I still owe them money and list that amount as past due. I have contested this with each credit bureau ( Trans Union, XXXX, and XXXX ). All have come back saying the information is correct so I can no longer contest online. I have uploaded the settlement agreements to each bureau also but they changed nothing. I have sent them letters in writing with no response. I have also sent letters to XXXX, XXXX, XXXX XXXX, and XXXX. Along with having a full time job we also own an electrical business and are in the process of going for a small business loan. With these inaccuracies it is putting that financing in jeopardy. Credit counseling should be a good thing and if the creditors were more willing you could work out a fair settlement on your own. But when they continue to add multiple fees and interest month it spirals out of control and make it impossible to ever pay back the debt. Attached are a few of the letters I have sent. I can find them all if necessary.