23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Syncrony Bank is in violation of Reg Z and XXXX. There has been a monthly charge on my credit card every monthly since XXXX. On the statements the charge is mixed in with the purchases without a description of what it is. I assumed it was a purchase i made and they didn't have the description of what it was. There was no identifying information. Come to find out, these charges were for an Amazon XXXX membership that i did not have. I was on my nieces Amazon account and made purchases only with my Amazon card. I never had an Amazon XXXX account or Amazon XXXX Account. I never signed up for one. They have been charging my card for her monthly fee since XXXX. They are sneaky with this charge too because they burry it in the purchases, and do not locate it in an area of the statement where you would be able to tell that it was a fee. That is a serious XXXX violation. I placed a billing dispute with them on XX/XX/XXXX and have been following up. The last time i talked to them, they said they could not help me and to call Amazon. I told them i did talk to Amazon, and Amazon is telling me to talk to them. Sycrony Bank is in violation of Reg z for not taking my claim and working with the merchant, Amazon to get this resolved.
Product: Debt collection

Im receiving a second notice from two different collection agencies from a debt I already paid. Original debt agency was XXXX XXXX XXXX XXXX  XXXX XXXX was the first collection agency to call me after the debt was paid and now im having Transworld System Inc trying to  collect the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was paid and was never deleted from my credit report
Product: Mortgage

On XXXX XXXX, I paid my mortgage to Mr. Cooper ( Nation Star Mortgage ), using their phone service. I paid {$1000.00}, and received a confirmation transaction verification code. This is amount is more than my monthly mortgage payment. Last week, a representative from Mr. Cooper called, stating they had taken more than the {$1000.00} out of my checking account than I requested. They took XXXX out of my checking account. How can they do this without my authorization? The representative did say they could give me a refund, but If they do, and they don't receive the money from my account ( which they knew they already had the money ) I would owe the even more money. This isn't the first time I have had an issue with this company.
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed inaccurate and unknown inquiries listed related to theft causing tremendous damage to my credit file. I have not authorized said inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to XXXX  XXXX XXXX to open checking account ( s ) in 2017. I requested to open 2 checking accounts for 2 different types of employment. Instead of explaining to me that I could or couldn't open 2 checking accounts, personnel in the branch groped my personal information from me and brought back to me a checking and savings account. After leaving and performing 2 or 3 test transactions to the accounts, I learned it wasn't 2 checking accounts that were opened. XXXX  XXXX XXXX stole my personal info and over 5 months later behind my back reported me to Early Warning that I had committed fraud. Early Warning then sided with the fraudulent bank branch and put my name in Early Warning for " suspected fraud '' after reviewing info from XXXX XXXX XXXX showing the transactions of " {$0.00} monetary loss ''. This kept me from being approved to open a simple bank account with several different banks. There was no fraud in using {$50.00} to simply open 2 separate accounts. This problem has persisted, Early Warning continues to hold my name on file for " suspected fraud '' with no proof or showing of any fraud. This was identity theft by both institutions working to commit a hate crime and use branch power to hide their activity. There is NO evidence of fraud by me.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since XXXX a stickler for research, I found that under section XXXX of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX Report for you ( learned through more research both parties require ). Please remove these files : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

I continue to receive calls from a company identifying themselves as XXXX. They have advised me it is for a debit for credit card to Best Buy. This was dismissed in a bankruptcy in 2011 and I have informed them of this but they continue calling me.
Product: Credit reporting or other personal consumer reports

i reached out to Transunion on numerous times about theses listed inquires and they have failed to remove the nquires listed i sent a cfpb complaint since XX/XX/XXXX no response or removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credt Reporting Act Account Name : Capital One Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX/XXXX  Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights Account Name : XXXX XXXX Date Openned : XX/XX/XXXX Account Number : XXXX has violated my rights. 

Account Name : XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX 15 USC 1681 Section 602 States I have a right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan a late for any purpose.
Product: Credit card or prepaid card

Im a customer of Capital One Quick Sliver and Walmart card. Ive had my QuickSliver card about 5 years. Walmart 3 years total credit limit for both cards are {$1100.00} which is very low considering my other accounts which are as high as {$7000.00}. Ive asked for credit increase and Im told Your recent credit line usage is too low when I go to solutions, Im told do the following .To receive credit line increase in the future. Be responsible using your card, set up auto pay get notifications so you know when your payment is due and make more than the monthly payment. I have all the above also my minimum Monthly payment is {$27.00} I pay {$100.00} or more. In the past year Ive paid capital one over {$4000.00}. Tell me how thats too low, considering Ive asked when Ive had a balance of {$400.00} and my recent credit line usesge has been too high! Between both cards Ive given Capital One over {$4000.00} in the past year not including past. I even continued keeping my cards active when Capital One for whatever reason, which had never been clearly explained remove my Quick Sliver account from all the credit bureaus and it took me a year to have my account put back on all three credit bureaus. That cost me points which adds up to money as far as interest.I lost points due to Capital Ones fault. Ive never once been late my credit score is almost exceptional. I cant continue having a relationship with a corporation that slaps good standing customers in the face. Ive continued to give Capital One chance after chance. Last month XXXX I had a balance for {$270.00}. XXXX I was out of state on business and didnt pay my account off before it was reported. I lost 9 points, as soon as I received the notification from the credit bureaus I paid the amount off in full. My credit score went up 7 points. If Capital one cant raise the credit limits I will have no choice but to close both accounts. I want to know what Capital One expects. Ive been told through customer service that I dont pay enough and I dont pay interest and Capital one has denied my request because theyre picky. Really? Someone that has good credit makes more than the monthly payments, never late isnt good enough? Remember, Im being turned down because My recent credit usage is too low over {$4.00} between both cards in a year is too low. Whats the magic number.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan of {$1000.00} on XX/XX/2023. In less than a year I have paid River Valley loans over XXXX times the amount I borrowed, a total of {$3300.00}, and I currently owe more than I borrowed in the total of {$1200.00}. The APR is almost 700 %, which is not only predatory and unethical but illegal in the state of Oregon as the maximum percentage allowed is 36 % which I was not aware of when I borrowed this loan. 
This is not legal in my state, and I would like for this to be resolved taking into account the amount I borrowed and the amount I paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The : following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX BALANCE : {$96.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported a hack during which my personal and confidential information was listed as being in danger. This could lead to nefarious activities being carried out using my identity and is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account with Kohls XXXX XXXX  was settled, paid and closed over 6 years ago. At the time we settled and agreed as to a repayment plan, Kohls promised to remove this negative account from my credit once paid in full. To date it is still negatively affecting my credit score and they have refused to remove it. I have disputed this issue several times, to no avail. Kohls continues to report this account as delinquent accurate information which is not. I have paid them and they have not kept their promise to remove it. I have worked very hard to rebuild my credit and have kept it in good standing since my time of hardship. Please help me remove this negative account from my credit as it is far too old to still be affecting me.
Product: Mortgage

My mortgage was transferred to Select Portfolio Servicing ( SPS ) from XXXX on XX/XX/XXXX. When my loan was transferred, there were a lot of problems regarding the interest rate coupled with monies SPS suggested I owed, however SPS has yet to provide documentation for the amounts in question. 

I contacted Select Portfolio Servicing shortly after my loan was transferred and adv. that my interest rate was incorrect. XXXX offered a rewards program ( XXXX XXXX XXXX XXXX ). Details below. 

XXXX XXXX XXXX XXXX program provides you with the opportunity to lower your interest rate. After a customer makes 12 consecutive months of on-time payments, the interest rate is reduced by one quarter of one percent ( .25 % ) each year. This rate reduction is available up to 12 times, which means that a customer can achieve up to a 3 percent rate reduction in a minimum of 12 years. This program applies only to closed-end real estate loans. The rate reduction is disclosed in your loan agreement ( not including all states and for all loan programs ). 

I made timely payments for the first 2 years thereby my interest rate should have been reduced from 11.2 % to 10.7 %. 

I submitted a copy of the XXXX loan documentation to SPS. Although SPS has yet to provide documentation regarding the outstanding amounts, it was suggested that the interest rate inquiry was resolved. 

While speaking with a representative on XX/XX/XXXX, she suggested that the effective interest rate on my account was 11.20 %. This was extremely disheartening. 

Indubitably, I am writing to file a formal grievance against SPS for not honoring the terms and conditions of my mortgage contract.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XX/XX/year>
Product: Credit card

Senior discrimination at its worst. After forgetting my online login information for Citibank credit card account I called service number to have it unlocked. I used my granddaughters cell phone because the volume on my house phone is to low, because I called using her phone the costumer service rep put me on hold for almost 20 minutes to create a fraud notice on the account ( find this out about hour later ) after being transferred 3 times and left on hold over 30 minutes at one point trying to have my issue resolved. This caused extreme frustration called a different Citibank department to have the card shut down service rep became incorrigible why I became confused and asked them to speak up as I could not hear them well was placed on hold another 20 minutes and told they would not shut down my account and that no one at the company had the authorization to close an account. That seems ridiculous, considering calling a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

They never updated my consumer statements at all for all of the bureaus and they are still falsely reporting information, even after I have reached out over XXXX times. This is getting ridiculous. I also noticed they did not submit the notification to me, within 5 days, that they were adding a deleted item back to my credit report. It shows up when it wants to, on whichever report it wants to. It was never marked disputed on any of my reports. I would like the methods of verification for their investigations, as I never received anything about that either. They refused to delete the account, even though I have given them proof they were reporting incorrect information.Nothing was updated, which tells me they verified without investigation. They violated my rights 100 %. I notified each bureau as well, they ever responded either.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I actually have protection under the law that is delivered for me to keep me from misinformation simply being declared on my credit report. At this moment I would like to have a final request for analysis before I talk with my own legal counsel to get information on how to handle incorrect and also unverifiable items that are on-going to be approved as real. Please investigate and consider the following accounts : XXXX XXXX Balance Owed : {$0.00} This account has been paid and the balance is XXXX and yet you are still reporting this account as late which is a clear violation of the Fair Credit Reporting Act. I was never late on this account. My record shows that this account was Paid as Agreed and I never missed a payment. I need you to please remove the late payments from this accounts payment history or completely remove the disputed account as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$1500.00} I have been trying to dispute this account have the payment history corrected and yet you have done nothing. I was never late in paying for this account and the presented late payments in the accounts payment history is erroneous. Please correct the payment history by removing the reported late payments as soon as possible. 
XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} This account was not and never late to begin with. You are reporting an incorrect and misleading information on my Credit File and I have been trying to request to you to correct the payment history. I am requesting that you remove the reported late payments on this account and report accurate information only. Under the FCRA Credit Reporting must be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a balance on a charged off account to my credit that should not be on there. I settled this debt a few months ago and there should not be a balance reporting to my credit. I want this removed immediately or updated to show a XXXX   balance.
Product: Checking or savings account

About two weeks ago, I garnered the courage at XXXX to flee an abuse relationship to the opposite side of the country : XXXX XXXX XXXX CA XXXX I got into my car, got onto I-10 and began the 2500 mile drive to a new life. I had no job, no plans, just a few hundreds in savings, a car, and a hope for a better future. I stopped at a XXXX  truck stop fueling station in the middle of the night to take a shower in XXXX XXXX, CA, where I later realized I had lost the binder containing all of my credit and debit cards and bank documents. I started reviewing bank statements and apps, soon realizing that my Fifth Third bank card was being used all over the local area it was lost in. I attempted to stop the bleeding by calling XXXX XXXX  call center, but found that it is only open from XXXX EST, yielding me no other option than watching almost all of my funds drain by the time the call center finally opened. 

I called the bank, explained my situation, and was told that I could not receive a new card for three weeks at a minimum, and a provisionally fraud credit was promised within eight days. Its been now two weeks and have received no documents related to my case, no provisional credit, no assistance whatsoever, from the small town bank that I placed my trust in. 

Im facing some of the darkest days of my transition, and facing default on debts because of the fraud this other individual imposed on my account. 

Help.
Product: Mortgage

Roundpoint Mortgage 's PMI removal process is predatory and not based on actual risk to the lender. Despite having an XXXX ratio of 77.79 % Roundpoint refused to remove the PMI from my loan. They base removal date on original amortization schedule, meaning that, even though I have paid extra principal every month for XXXX years of my loan, this is not taken into account. 

Their PMI removal process requires that I submit to a XXXX  or Appraisal process by a company which they choose at a cost which is not transparent to myself the consumer. My prior loan servicing company prior to my loan being sold to roundpoint allowed a request for PMI removal at 80 % XXXX  without prior authorization of XXXX or Appraisal costs and automatically removed the XXXX at 78 % XXXX  regardless of original amortization value. 

Roundpoint is excessively charging me for 6 months of PMI ( based on my amortization date of XX/XX/year> when PMI will automatically be dropped ), despite me having over 22 % equity in my home. PMI is supposed to defer risk to the lender but in this case is being used to extort the homeowner ( myself ) by not offering any fee free process to request PMI removal.
Product: Credit card or prepaid card

American Eagle I hardly ever used this credit card when I did I was not able to get help. I asked for deferred payment and they said no. I closed account due to Covid-19 and they would not work with me on payment XXXX. I am a victim of disaster. No work. 

.
Product: Prepaid card

I was given an American Express gift card from my work and I can not use it anywhere. I've tried kiosks, in store, online, etc. Looking online, it appears everyone with American Express gift cards is having the exact same issue.
Product: Checking or savings account

I called and filed a charge back for 5 charges on my account from BOA. They only paid me for 4 and then they did not put a stop payment and the company was able to debit my account 2 more time. I first filed in XXXX or XXXX. For 5 charges for XXXX. They only payed me for 4 transactions then they went into my account 2 more times after I was told that is was a stop payment. I have been with BOA for a long time. Thus is not right. So are you saying that the company that never gave me any services get to keep my {$94.00}. The people at BOA are becoming very rude.
Product: Credit card or prepaid card

i did not choose the best option. citibank card ending XXXX been a customer for years. on or about XX/XX/XXXX tried making a payment the automated delayed me and heard what i did not say i complained about it on or about XX/XX/XXXX was told i would get a XXXX dollar credit when i called to check i was told no you were given it in XXXX. well then i should not have been promised it but once i was i should be given it and i have not been. as such i am not using my cards any citi anymore til resolved. Futher, i ordered a NEw card replacement on or about XX/XX/XXXX SPECIFICALLY told to mail regular not fast since i was away XX/XX/XXXX to XX/XX/XXXX well they mailed it anyway and charged me and it sat outside my house for a week. i specifically said not to do this and they charged me for it to boot which is illegal esp since specifically not authorized. Credit me XXXX   for my trouble or i go further. period. XXXX for the promise i never got XXXX for a charge i did not ask for is not authorized specifically the opposite and anything you would want for your troubles like me. til then no use at all on any card tired of haaving me time wasted speking to people who cant speak english and being XXXX
Product: Debt collection

Upon pulling my credit report I noticed a collection from a company called DRS with the original creditor being XXXX XXXX XXXX. I dont and have never done busy with that company. I have health insurance through my work. This fraud on my account I have never owed XXXX XXXX XXXX {$2100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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: Student loan

On XX/XX/year> I requested a refund for four payments I made while in forbearance through my loan servicer, MOHELA. They contacted me later that month and indicated I could be refunded for the four payments and confirmed the request for refund had been made ( see attached screenshot ). I have yet to receive my refund, and I reached out to MOHELA in XXXX and again in XXXX and all they told me was the request was processing. I think it is unacceptable for a refund to take over 7 months.