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

XXXX XXXX is defrauding consumers by not awarding points according to a promotion 's terms. 

I have an XXXX XXXX Visa card. They run a promotion several times a year, and each promotional period they cheat me and other card holders out of hundreds of points. 
The promotion states that for 3 months, the credit card holder will receive XXXX additional points each day they use the credit card for a purchase outside the XXXX XXXX brands. 

During the most recent promotion, on 8 separate days when I USED my card ( that is, took it out and made a transaction ), I did not receive the XXXX points. My account summary shows incorrect transaction dates. I called customer service and provided details of each transaction and requested the missing XXXX points. I received a letter dated XX/XX/18 stating their points were correct and they would not be issuing me the missing points. I filed a complaint with the XXXX XXXX XXXX. In response, Synchrony sent me a letter insisting their records are correct and they were going to give me XXXX extra points as a " courtesy. '' They stated they go by " transaction date '' in rewarding points. I tried to tell XXXX XXXX in this complaint that their " transaction '' dates do not correspond with the dates I " USED '' my card ( which is the wording in their promotion ) and that I had proof. They were unwilling to look at my proof. Synchrony sent me a print-out of my activity summary, including transaction dates. I will use their own printout and my receipts to prove they are intentionally defrauding consumers. I am attaching their letter to me and two sheets they sent me showing how they awarded points based on transaction dates. Two examples : Note their records show a transaction date of XX/XX/XXXX for Lowe 's at {$5.00}. Note that my receipt shows I USED my card on XX/XX/XXXX ( NOT XX/XX/XXXX ). And Synchrony Bank 's records show they did not give me the XXXX ponts for USING my card on XX/XX/18. Another example : Their records show a {$3.00} Walmart transaction date of XX/XX/XXXX. My records prove I actually made that transaction -- aka USED my card -- on XX/XX/XXXX. So instead of giving me XXXX points for the Lowe 's transaction that actually WAS done on XX/XX/XXXX, they wrongly applied the XXXX points to the Walmart transaction and did NOT give me the XXXX points for the Walmart purchase on XX/XX/XXXX. That's called fraud. The last two times they ran this promotion, they also cheated me out of hundreds of points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a refinance with XXXX XXXX, who ran a credit check on Credco, immediately after they ran my credit I recieved over XXXX calls in XXXX hours to my cell phone with companies trying to solicit mortgage refinance.
Product: Credit card or prepaid card

I discovered I was a victim of identity theft and after doing a police report I was advised to reach out to any sites I may have online rather my bank or what not. So I did and I also was advised to dispute any unauthorized charges that I didn't make or benefit from a few places were easy to deal with except NetSpend I reached out Everytime I saw a charge, even going backwards to when we think the fraud begain. I told NetSpend about the I'd theft and advice I was given about reporting I sent evidence of the notice of I'd theft and yet they still denied my disputes and kept saying the checked and charges were valid and I told them just because a merchant says a transaction took place doesn't mean it was done by the actual account holder. Yes I erred in writing my pin real small on back of my card on the stript. Two years ago I was injured in a car accident and the XXXX  has caused slow recall, forgetfulness and so I have to write things down. I just want my money back but now they closed my account and only sent me my money I had in my account but nothing from the disputes I filed. I already felt violated by the i.d . theft but to add this in top just made my XXXX  and feeling of violation of privacy, invasion worse
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in disputer letter in XX/XX/XXXX, XX/XX/XXXX, and called XX/XX/XXXX. 

XXXX XXXX is incorrectly reporting late payment across all three credit providers. 

XXXX keep saying they investigate this compliant but never updates XXXX XXXX report with no late payment and XXXX XXXX with no late payment
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is intentionally misleading with advertising, and also wants money upfront, which I have since learned is illegal. I thought I was paying XXXX for a whole year due to their misleading advertising, not monthly. I have lost over a grand on them for doing very little for my credit! I would have NEVER engaged in services if I thought I would be paying this much monthly. I am already poor, working multiple jobs ( or at least attempting to ) and am chronically ill. This was supposed to help me, not steal a ton of my money. This company does not care that they are scamming you or stealing from you. They have no interest in trying to work with you, and will avoid a refund at all costs. I want 1, XXXX dollars back, what I have paid since the first bill of XXXX ( 1, XXXX total ) since starting the service on XX/XX/2021. They will not even address refunding and avoid the subject. They don't care. This absolutely disgusts me. I want my money back. They are still planning on even trying to charge me more even after canceling!!!!
Product: Mortgage

i was contacted by the mortgage company stateing that an error was made on the part of the company and they would add the amount of {$7400.00} then another amount of {$7500.00}, they stated property inspection fee, and certified mail cost, i am not clear as to why that would equal that amount. i asked for a line item, that reflected and showing an error of that large of an amount, please help me with the the process,
Product: Student loan

I would like to obtain the assignment documents of my loan from the initial loan servicer to the servicer that it was subsequently sold to. I requested the documents from XXXX XXXX but they were unable to find them as ofXX/XX/2018. I have been paying on time for this loan for over 10 years and am only 25 % paid off-I am not sure this has been a legitimate process so I would like to see the paper trail.
Product: Debt collection

XXXX XXXX NCC ( litigation department ) left a voice mail on a third party phone number, stating that he knows that this is not my phone number but they have pending charges against me regarding case # XXXX leaving phone number XXXX, and they will move forward with the litigation charges.
Product: Credit card or prepaid card

My credit card account was opened in XXXX  and I have never defaulted on payment. Last year I paid no interest because I paid off the balance each month. On XXXX XXXX XXXX  I received a letter that CHASE had closed my account " because of your association with a Chase credit card, deposit or investment account that was previously closed. '' I called the questions line, XXXX but CHASE would not elaborate on the reason for closing this account. My credit rating is over 800 points.
Product: Credit card

On XX/XX/XXXX I checked my Equifax consumer credit report and noticed XXXX XXXX XXXX XXXX XXXX accounts that don't belong to me. I filed a police report with the XXXX police department ( attached ) and FTC XXXX theft report with the reference number XXXX. 
15 U.S. Code 1681c2 - Block of information resulting from identity theft is the applicable law The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C XXXX section XXXX A states I have a right to privacy. 

15 U.S.C 1681 section XXXX A section XXXX States a consumer reporting agency can not furnish a account without my instructions. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


XXXX XXXX XXXX XXXX XXXX XXXX account balance XXXX date opened XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX Account balance XXXX Date opened XX/XX/XXXXXXXX XXXX
Product: Student loan

Dear CPFB : A few months ago, I contacted both Navient and the Consumer Financial Protection Bureau regarding a sudden increase in my student loan payment instead of a payment adjusted to what I earn. I then spoke with a Navient representative, who said they would " forgive '' the month for which they charged a full payment and revise my monthly payment based on my current income. 

Even though I have continued making payments per our agreement, I continue to get notices and daily phone calls with the same recorded message ( sometimes several times a day ) telling me to call them ( which does no good because I just get the same recording ) or that my account is overdue. Last night, when I tried to make an online payment on my cell phone, I was unable to change the amounts from the higher amount, which I can not afford to pay, to the lower amounts, which we agreed I would pay for now based on my income. 

It seems to me that different branches of Navient are not communicating with one another. Would you please direct them to straighten out their records? 

Thank you. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

We took out a loan with One Main Financial in XXXX Ga on XX/XX/2018. We went and paid off the loan yesterday. The loan amount was XXXX plus a XXXX processing fee. They financed XXXX dollars which we were not aware of what exactly went on with that as XXXX of it was a life insurance policy and the other was for XXXX for home and auto insurance. However a check was cut for this last amount and my husband and I had to sign the check and One Main kept it although our loan papers say it was given to us and was not ... The interest rate is 36 percent a year on the loan. But as I said we paid it off not even one month later. Our payoff was XXXX. This is XXXX dollars in interest for less than one month  of a loan. In addition they claim they took off the XXXX insurance check as it is refundable to us when we pay off the loan. So in all One Main is  saying we paid them over 1200 dollars in interest for a loan that is less than one month old. This seems like a scam and a rip off. Had we had the loan longer I could see the high interest charge but the 36 percent in the papers says it is a yearly interest rate so it makes no sense. Seems like we should have paid XXXX or something in that area, not XXXX in all for a loan less than one month old. I would like this investigated please.
Product: Credit reporting or other personal consumer reports

This is not an error and requires urgent attention. My credit report contains incorrect and mixed information, and I have repeatedly come across accounts, transactions, and items that do not belong to me. This situation is extremely frustrating and has caused me significant stress and anxiety.
Product: Credit card

Apple Card amount of {$990.00} Action taken was XX/XX/year>XXXX  I reported identity theft already to the CPFB Where XXXX  credit card and XXXX and other credit cards were used to make purchases not made by me making my credit be affected and sent to collections. Please help to remove and delete from credit report so I can be able to obtain credit again
Product: Checking or savings account

SoFi bank complaint : On XX/XX/XXXX I set up a deposit for {$200.00} to be added to the SoFi account twice, DUE to me getting an error code saying that the payment had not been set up. After the second time they said too many transactions had been processed, but, still no confirmation that it had been set up. The following day I was able to set up a payment for {$190.00} and it went through successfully, got an email and it was in my scheduled tab ( unlike the other 2 transactions ). The following day I woke up with an account restriction and I called and they confirmed that it was just under investigation and I would have a decision soon ( I assumed whether or not I would have access to the account again ), and that I could still access the money in the meantime. I attempted to use the money today on XX/XX/XXXX and I was declined 3 times, so I reached out again and they confirmed that I will not have access to the money. They said they will let me know within 7-10 business if I am entitled to my OWN money and until then I can not reach a manager to discuss further. Why wouldnt I be entitled to my OWN money that I WORKED for?
Product: Credit reporting, credit repair services, 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 FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX
Product: Debt collection

Merchants Credit Guide has not been able to accurately compute what they claim is owed. XXXX XXXX from that company claims it is my responsibility to compute the bill. They provided an XXXX totaling XXXX as validation of a debt, they claim I owe XXXX. They have XXXX information on insurance payments, credits or co-pays. How do I even know I owe them XXXX penny?? Bills must be precise, clear and explained. This validation does not meet any legal standard..or any normal standard.This company also terminated my phone call because they said I just did not want to pay. As for that, I think my calling them XXXX is an effort to resolve this issue. Bottom line, if you want to collect a debt, you MUST be able to clearly show any computations of that debt owed. They could not even explain how they reached this figure..they just refused! Please see the attached documents which clearly show the amount demanded and the so-called verification of that debt. Additionally, if the debt is mine or not is not relevant, it is the amounts billed which are inaccurate and unverifiable, therefore making this debt noncollectable at this time. Merchants Credit Guide must either verify proper computations or delete and close this file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Erroneous Reporting of Missed Mortgage Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX In XX/XX/XXXX, my mortgage was transferred from : Caliber Home Loans , Inc. of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX When applying for a new loan, it came to my attention that Caliber Home Loans , Inc. , my previous mortgage lender, erroneously entered my payments for calendar year XXXX. To wit : A. On XX/XX/XXXX, Caliber approved a loan modification for my mortgage for {$4200.00} per month, which ended my arrears ( Encl XXXX ). 
B. I made monthly payments by the 1st of the month as specified. The payments were made with XXXX ( XXXX ) or XXXX ( XXXX ) USPS money orders, totaling the entire monthly mortgage obligation. { NOTE : USPS issues postal money orders with a maximum amount of {$1000.00}. } See attached XX/XX/XXXX payment. 
C. However, staff at Caliber chose to assign my monthly mortgage payments, for calendar year XXXX to various sub-categories, as opposed to applying the entire monthly payment as annotated on the monthly mortgage statement. 
D. Subsequently, Caliber staff continued to report to credit agencies as if I was still in arrears on my mortgage payments. 
E. I requested XXXX XXXX Servicing, my new mortgage provider, review my calendar year XXXX monthly mortgage payment history and correct the erroneous information provided to the various credit bureaus. 
F. XXXX denied my request to have my calendar year mortgage payments correctly identified and having the monthly amounts paid-in-full. 

I request assistance in getting my calendar year XXXX mortgage payments correctly identified and having the monthly amounts annotated as paid-in-full.
Product: Checking or savings account

I contacted Wells Fargo regarding multiple overdraft fees that were charged to my account in XX/XX/2022 as a result of a {$14.00} purchase. They charged me {$35.00}, which resulted in a negative balance on my account, and then charged me compounding fees. This was not mentioned in their deposit agreement as XXXX of their standard procedures. I have attached the total fees charged to my account thus far. I even reached out to see if they could at least reverse some of the fees. I was refunded {$35.00}. I've attached some supplementary materials.
Product: Debt collection

Date : XX/XX/XXXX Amount : XXXX Company : Caine & Weiner Complaint : I was attempting to pay off a debt through this agency and I stated that I was willing to pay the debt as long as I obtain a validation letter stating the amount that I owe. The collection agency stated that my debt was closed on XX/XX/XXXX and said that because of the small amount of the debt and because the debt is " old, '' that the only way I could pay for the debt is to do an express pay on the Caine & Weiner website. When I requested that I would get transferred to another agent, the second agent stated that they were not able to fulfill the request of a validation letter due to the account being old and having a small amount. I told them I can't pay the debt off unless I receive a document and they stated that they will have to hang up the call and that the amount due will be there in the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information is reporting on my credit. XXXX, Equifax and XXXX are reporting different information about the same account According the FCRA and account should report accurate information like payment status, last day of activity. 

I have disputed several times with the credit bureaus the FCRA VIOLATIONS but they do not update ANYTHING
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I applied for a XXXX Credit card. The application was declined for " A delinquent credit obligation ''. I followed up with both XXXX and Experian and each company is blaming the other. 

My Experian credit report shows a score of XXXX. I have no delinquent payments and no negative items on my account. I also checked XXXX which shows a score of XXXX and no outstanding items. 

I have been shuffled around between XXXX phone numbers provided by XXXX including the number on the rejection letter which says " If you have any questions, call us at XXXX or go to XXXX '' The phone number does not allow you to ask questions and provides no way to contact a human or resolve the issue. 

I only have XXXX credit cards. XXXX ) XXXX platinum for over XXXX years and XXXX ) XXXX Credit card. I have never had an issue with credit and the lack of consideration shown by both XXXX and XXXX resolving the issue is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per Federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standards of practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim ( s ). Per law, any deficient of substantial and evident matters of fact ( s ) would be unethically reported and even illegally reported. My state and the federal laws alike agree that  neither willful nor ignorant disregard is acceptable, so I demand here today, even RIGHT NOW, that the allegation in challenge be eradicated in full or else wise demonstrated in it's entirety to be compliant in every aspect of it's reporting. To retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. When calling the company at XXXX I was transferred to a customer service rep by the name of XXXX and then sent to a rep in " Funding '' by the name of XXXX who then provided me with the Risk department at XXXX. I spoke with XXXX and explained to him my issue and that I have not applied for credit with XXXX. He then informed me that it was for my XXXX XXXX XXXX In which I bought from XXXX and not XXXX. I have had my vehicle since XXXX so I am not understanding why XXXX ran my credit on XX/XX/XXXX. I explained that I wanted to know the process and documentation to have inquiry removed as I did not fill out any application with XXXX or their entities at all. XXXX informed me that he would give me the number for the department who handles inquiries and placed me on hold for about 5 minutes. He then came back on the line and informed me that he doesn't have the number for that department because they change their numbers a lot. I have sent them 2 certified letters to their address, addressing the inquiry and asking that he be removed from ALL 3 Credit Bureaus and they have failed to answer my complaints with the 30 days timeframe per the laws. I have tracking numbers for the certified slips that i would gladly provide for this complain if needed. The currently unfounded and even not certified true or correct misinformation of which is misreporting is as follows and must be deleted immediately, so please do so without delay : Alleged Reporting Data Provider : XXXX XXXX XXXX Not Proven Compliant Account : Inquiry from date XX/XX/XXXX