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

In XXXX of 2021, I filled out a paper application in a TJ Maxx store for a credit card. I was told by the store clerk this would not put a hard inquiry on my credit -- but I have a record saying on XX/XX/2021, I did have a hard inquiry. I provided my accurate email address and phone number on the application and on my TJ Maxx account. I never received further contact about the card, via mail, email, or phone number, and I assumed the application had not gone through. 

Today, XX/XX/2021, I checked my credit score to find out I had a bill from the said rewards card, owned by Synchrony Bank, which I have never received contact from. The bill was over 120 days overdue and I had never received contact about it. When I attempted to pay it online, I found I needed an account number, which I had never received. 

I called customer service and found the account had been closed, but I was able to pay it off using my debit card. My credit score has dropped over 100 points because of this incident and will take years to recover. I am single, almost XXXX XXXX XXXX, and can not rely on the credit score of a spouse when I need to use a line of credit. I'm infuriated, and frankly embarrassed, because I have otherwise never missed a credit payment and before this the only detriment to my credit score was that I am young and my credit is too new. 

I want Synchrony to take accountability for their lack of attempt to contact me, and for causing my credit score to drop so dramatically for a bill that was less than {$300.00}.
Product: Credit reporting

In XXXX XXXX, XXXX I pullet out my credit report from Equifax website because I wanted to buy a car as you can see on the attached credit report my credit score was XXXX I went to several dealers they pulled up my credit report but was n't able to see my credit score you can see that on the Auto Dealer credit report attachment, I called Equifax and they told me was a problem with the dealer 's system ; at that time I was n't able to buy a car because nobody could n't see my credit score even when I was showing them my credit report and score print out from Equifax website. but as you can see on the attached current credit report the credit inquires from that time dropped down my credit score because of Equifax not showing my credit score to the creditors So I was n't able to buy a car with my credit but my score when down anyways, that is ridiculous after that I tried to open a checking account in a credit on XXXX XXXX and same thing was n't able to see my score one more time I called Equifax and they told me that is a problem with XXXX ; but as you can see I have a credit score that only me is able to see. and after more than year and half still having problems trying I talked to Equifax several times and no solutions for my situation always have an excuse and is nothing to do with them. Please I hope you can help me with this matter that is damaged and bother me for so long. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working to improve my credit since XXXX in order to qualify for a VA home loan. I have attempted several times to have the credit reporting companies to update two specific accounts, of the three major agencies, only XXXX XXXX has been keeping up to date. XXXX  and Equifax are both lagging. XXXX  has even denied a dispute despite having records of payment in full. I have been working with a lender and realtor who are helping me improve my score and as of XX/XX/XXXX, I have decided to start the process of buying a house. Nobody can do anything until these scores are updated. I was instructed to settle these specific accounts, as doing so, will boost me over the minimum qualifications for several loan originators. It takes mere hours for a negative report to show, but it can take over a month or more to show an improvement which is unacceptable.
Product: Debt collection

ORIGINAL CREDITOR : XXXX XXXX PLACED FOR COLLECTIONS ON : XX/XX/XXXX  {$240.00} I received a collections letter in the mail and I had no idea this was going on. I am attaching the emails from the management of the complex telling me to disregard the original invoice. You can find that on page 4 or the larger document. I am also attaching the invoice that the collections agency sent to me. Again, I never received that invoice and the original invoice I received was for an amount about {$60.00} less than the " final invoice '' the collections agency sent me. 

I have yet to receive the final invoice from the " higher management '' of XXXX XXXX and XXXXXXXX XXXX will not provide the information to contact the higher management. 

This debt would have been paid had I known what I owed but I received nothing. This is now going to impact my credit score negatively and I was not informed of any debt owed! 

Again, I have no problem paying, but I did not know that I owed anything!! I would like to be able to pay and not have this hurt my credit! 

I can provide the additional emails showing that they wont give me the contact information for the higher management.
Product: Mortgage

Sold home. Escrow check issued XX/XX/XXXX according to their web site. Call to support confirms the same and that check as sent to proper address. XX/XX/XXXX and still no check. no other options other than to re-initiate the process which takes a minimum of another 15 days. No option to expedite or go to Freedom office to pick up a check.
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Bitstamp XXXX for unjustly freezing my account. Despite providing all requested documents and cooperating fully with their inquiries, my account remains locked without a valid explanation or resolution. This has caused significant financial inconvenience and a lack of access to my funds. 

Bitstamps actions appear to lack transparency and fairness, violating the trust expected from a regulated financial institution. I request your assistance in investigating this matter and ensuring that Bitstamp adheres to regulatory standards and resolves this issue promptly. 

Thank you for your attention to this matter. 

Sincerely, XXXX
Product: Vehicle loan or lease

Subject : Urgent Request for Investigation Regarding Auto Loan Account Dear Stellantis Financial Services, I am writing to express my deep concerns and frustration regarding the handling of my auto loan account with your company. I obtained an auto loan from Stellantis Financial Services on XX/XX/XXXX, with the following details : - Original Financed Amount : {$43000.00} - Original Term ( Months ) : 75 - Interest Rate : 11.06 % As of XX/XX/XXXX, my principal balance stands at {$37000.00}. However, despite making regular payments and additional contributions towards the principal, I have observed that these payments have been primarily applied towards interest only, resulting in an alarming lack of reduction in my principal balance. 
Furthermore, I have noticed automatic withdrawals from my bank account by Stellantis Financial Services without clear communication or consent. Despite my attempt to communicate with your company via email on XX/XX/XXXX, regarding the possibility of skipping a payment, no appropriate action was taken, and I ultimately made a full payment. Additionally, it has come to my attention that an extra payment was deducted from my account without my knowledge, yet the dashboard reflecting my account information has not been updated accordingly. 
The discrepancies and lack of transparency in the management of my loan account have raised serious concerns about the integrity and honesty of your company 's practices. I firmly believe that there may have been modifications to my loan terms without my consent or proper disclosure. 
As a result of these issues, I have been compelled to seek legal counsel to address this matter. However, before escalating this situation further, I am requesting a thorough investigation into the handling of my loan account. I urge you to review all transactions, apply payments appropriately towards the principal balance, and provide a transparent explanation for any discrepancies or unauthorized actions. 
It is my sincere hope that we can resolve this matter amicably and restore trust in our business relationship. However, I must emphasize that if prompt and satisfactory action is not taken to address my concerns, I will have no choice but to pursue legal recourse to protect my rights as a consumer. 
I kindly request a written response to this letter within [ 1 week ] to acknowledge receipt and outline the steps Stellantis Financial Services will take to investigate and rectify the issues outlined herein. 
Thank you for your attention to this urgent matter. I look forward to your prompt response and a resolution to this situation.
Product: Bank account or service

I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.
Product: Debt collection

On XX/XX/2019 I settled a Capital One debt for {$210.00} dollars as a settlement in full. They told me that I did not owe the rest of the money and that they would have Capital One update the credit report within 30 days from a Charge Off to a Settlement in Full on my credit report. 

I just received notification today on XX/XX/2019 that the balance went down and Capital One is listing me as delinquent on my account. This has made my credit score go down. 

XXXX XXXX XXXX did not say that this would occur. They only said that it would go from a charge off to a settlement in full. 

XXXX XXXX the manager said today on XX/XX/2019 that they didn't have control over the credit reporting and another employee stated it could take 30 to 90 days. 

This is not what was indicated earlier when I settled the debt. They made false promises in order to collect money on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX XXXX. I'm not sure how to go about this. I believe someone has stolen my identity, or the credit bureaus has made major errors on my credit reports. I have rights under 15 USC1681 Transunion, XXXX, and XXXX is govern by 15 USC 1681 And they have violated my rights numerous times. I demand these accounts listed below be removed. According to 15 USC 1681 I have a right to privacy, and I did not give XXXX, XXXX, and Transunion written permission to furnish these accounts. XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX. As I stated above, these accounts don't belong to me. Meaning I never opened these accounts, nor did I give any one authorization to do so on my behalf. I have never been in contact with any of the above listed companies. I don't believe these collection companies have legal rights to conducting business in my state of Georgia. Also I listed inquiries that I didn't authorize. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023.
Product: Mortgage

As stated in my previous complaints about FAY SERVICING, we have had a nightmare loan modification process with them. Please reference CFPB claim number XXXX for the backstory. 

When we did finally receive a loan modification from Fay, we were informed that the modification would be final after completion of the initial trial period, and after that we would received the documents. XXXX XXXX explained the terms to us, but nothing was emailed, they refuse to put anything in writing, and will only explain things over the phone. When we received the documents, we did sign them, making the unfortunate assumption that they contained the same information that was explained on the phone. It does, but buried in the document is also a balloon payment which will be due when the loan is to be paid off. I do not see how this can be legal! They agreed to assist a struggling borrower, to reduce the interest rate, and now are demanding a balloon of over 400k, at the end of a 30 year term, when the house ( original loan amount XXXX ) should be paid off at that point. This is extremely unethical. 

I've attached copies of the documents we received ( the first document that details the terms was never sent to us, I had to request it from my account manger and have only seen it in XX/XX/XXXX ) documents are encrypted, password is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing a letter of dispute. I have included a copy of my drivers license and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 



I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 
You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. 

XXXX Charge Off
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, CashApp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E/ These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit card

My wife and I have been a customer of American Express for over 50 years. We have had a AE Blue Card since XXXX. Last week XXXX XXXX XXXX XXXXXXXX, I checked online with AE for some information on our card, and I couldn't sign in and was informed to call. When I called, I was told that my card was cancelled last year ( XXXX ) for inactivity. They said I was notified by email several times. I asked about my accumulated points and was informed that we had no points ( close to XXXX were there ). I asked when were the emails sent- I checked my history and found none and they said check spam. I have no spam history as it is always deleted automatically after so many days. I aske to be reinstated and told that it was not possible. I wanted to speak to a supervisor and received a call the XXXX of XXXX. Same story, you were notified and they could do nothing. I asked if they sent a physical mailing ( which I knew we never got one ) and the answer was I think we do. Without notification, a customer of 35 years is just thrown away and having numerous points just thrown out. This is not right and the total points is money promised and lost. Please inform me what can be done to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter last XX/XX/2022 but I haven't got any response from you and according to the FCRA you are required to response within 30 days
Product: Debt collection

I was notified by the XXXX and XXXX  credit bureau that I had received a collection ( First time ever ). The company that put this item on my credit report ( Without any prior notice ) is named Plusfour.Inc. I have not received any notification from this company and do not know where or how they got my information. 
After reviewing the collection on both XXXX and XXXX  I found several inconsistencies. 
The first one is the company claims their address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. However, the collection that was reported on XXXX  was listed under a XXXX XXXX ( XXXX  ) located at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NV, XXXX. I found the company to have minimal contact information online as well as in their collections that were put on my report. 
The company in questions has many consumer complaints against them from fraudulent claims. I believe this is another case to be consider fraud until they can send me information regarding the collection, as I have medical insurance that covers my medical bills. From what it seems it is a supposed " XXXX bill '' with no date of service to be included in the collection whatso ever.
Product: Payday loan, title loan, or personal loan

On XX/XX/2016, I obtained a XXXX personal loan through USAA. 
When I inquired on loan options, I thoroughly explained this was a joint loan and the other individual on the loan does not have a steady job history. The loan sales person listened to the information I provided and quickly responded with their debt protection option. I requested if this option would cover in the he was to lose his job for any reason, in which he responded, it would. Now, 2 years later, he is no longer employed as he has been incarcerated, leaving myself and my children a single income household, with no financial assistance from him or anyone else. 
I am very disgusted that a reputable company such as USAA would support such deceptive sales practices. I am a highly educated and intelligent individual and would never have made such a large financial commitment to USAA if I had been provided the correct information. He had sent me the information to my phone and I quickly signed and returned it. 
This illusion of protection has left me with a large financial burden that could cause me to lose my home. I currently pay about {$200.00} a month in loan repayment and now have no assistance from his income and no back up from the debt protection I was promised would support in this event. 

Upon contacting USAA and speaking with a superior, I received only an apology, a denial to pull the call records as they no longer exist, and an offer to extend one month 's payment ( Which they could not even do ).
Product: Vehicle loan or lease

I have an RV loan with Bank of the West, and for 10 years I've been trying to get them to send a monthly statement to me, but each time I call they say " they are working on getting monthly statements set-up ''. I do not receive any statements from them at all. I have to put a reminder each month on my calendar to remember to pay - - I never know if they receive it, if I've incurred any credits/ late charges/ or how much I still owe. They encourage me to call them each month 10 days after I've sent my payment to make sure it has been credited, and then they can give me any information I need. This is not an easy task each month as the average call waiting time is 45 mins.. They do have on-line banking, but they blocked my account from accessing my own statements because of a bankruptcy that I had 11 years ago. I feel Bank of the West denying me my own account information ( expect by calling in ) and not providing me monthly statements unlawful. I'm unable to provide any documentation due to never receiving any????
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX ; Account # 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 an account without my written instructions
Product: Credit card

On XX/XX/year>2025 I placed an order for Medical Equipment, called XXXX XXXX thru XX/XX/XXXXXXXX XXXX XXXX XXXX for the amount of {$990.00} but right after I paid this {$990.00} using Citi Bank Credit I opened XXXX and wanted to ask XXXX XXXX XXXX some questions and found out all conversation in text between me and XXXX XXXX were deleted. I then file a dispute with Citi Bank right away in the same day I placed this order, about a week later I received small package when It was an XX/XX/XXXX with XX/XX/XXXX language. I was asked to send all documents about this Fraud purchase and I did send it all to Citi Bank Dispute Center, Yesterday I called them more than one time and was told I have to pay for this amount of {$990.00}. I disagreed with them, I pay for the XX/XX/XXXX and received something else ( Cheap ) please help me to fix this problem, I am the Victim of this Fraud and I notified them right away They, CitiBand need to pull back this amount {$990.00}. Thank you in advance
Product: Credit reporting or other personal consumer reports

Mixed information on my credit report is showing accounts that are not mine, and its harming my credit score. I have reached out several times with no action taken.
Product: Money transfer, virtual currency, or money service

I was scammed. I received a call from XX/XX/XXXX XXXX XXXX, caller ID showed XXXX. I was told that my account was a victim of fraud and we needed to transfer money from my checking to my savings account to protect my balance. If I didnt act right away it would take weeks to file for fraud and get my money back. They were very credible and applied pressure so unfortunately I believed it. I was asked to transfer money from myXX/XX/XXXXXXXX XXXX checking account and they said look you are the recipient of the transfer so you know the money is going to you. After that they said they would send me an email to confirm. When I checked my email 2 hours later I seen several fraud alerts. When I called XX/XX/XXXXXXXX they said they never called me and I was scammed. At that moment I requested to freeze the account and filed fraud and scam claims. At that moment the wire was pending and was put on hold. I contacted PNC Bank and they didnt want to help me get any information or try to resolve it. XX/XX/XXXX XXXX XXXX had to re file a claim on XX/XX/year> because they said the wire transfer of {$1500.00} was file incorrectly it should had been filed under scam. XX/XX/XXXXXXXX XXXX has said that they are trying to get PNC to respond and the claim is still pending. PNC has failed to respond. I am concerned there might be an open account under my name or they might use a fake ID with my information to collect the funds I sent with my name as the recipient. I didnt create any account at PNC and have not given them my information. or I am concerned of possibly being a victim of identity theft. It has been more then 30 days since the incident happened and now Im stressing and struggling to pay my bills. I am a single mother and dont have or make a lot of money. This is all I had to get through the holidays and now Im in a bind and hardship. I would appreciate if PNC would help facilitate the process and do a proper investigation of the matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed some hard inquiries on my report that are inaccurate and were never authorized by me. I will list them here XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, On XX/XX/XXXX I think the bank ran my credit without my blessing. i know about XXXX however XXXX XXXX XXXX  and XXXX  all made on XX/XX/XXXX is all fraud and i never signed anything giving anyone permission. XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX is also fraud. XX/XX/XXXX the car dealership ran my credit without my authorization XXXX XXXX XXXX XXXX on XX/XX/XXXX. XXXX XX/XX/XXXX was not authorized by me i never signed or applied for anything online. Also XXXX XXXXXXXX XX/XX/XXXX and XXXX XXXX XXXX I don't know anything about that either. Lastly is XXXX XX/XX/XXXX is also inaccurate. I never applied online or in person with this company. I have no business with them.