23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years.
Product: Debt collection

XXXX a car company advertised delivery of a car on a certain XXXX XX/XX/XXXX but did not deliver until XX/XX/XXXX XXXX i received a very threatening email regarding amount od down payment which they told me XXXX then said I owed another XXXX I paid the amount when I said I no longer wanted the car I was threatened with sending car to auction and I would be responsible for amount left over. Over the time of car note i have been called day and night and at several times after XXXX XXXX and I had to ask for my contract which showed and diffrent amount owed added on extra interest plus added to my credit score
Product: Credit reporting or other personal consumer reports

I received an alert that I had inquires on my credit report. 
I viewed my report and I had 3 inquires that I did not do. 
First one was from XXXXXXXX XXXX XXXXXXXX on XX/XX/year> XXXX and Capital One on XX/XX/year> both received applications with my information on them. All XXXX places have been contacted and they have reported as fraud. 
The companies are asking that I report this to have inquires removed from my credit report. 
Please let me know if I can be of assistance. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The Receivable Management Services LLC is contacting other people and asking for me. They have recently sent a letter stating that I owe a debt to a random web-based company based in XXXX. I do not owe this debt and I do not have an account with this XXXX company.
Product: Money transfer, virtual currency, or money service

Money taken off of my cash app with out my authorization, double payment taking me to overdraft never getting my money back. When calling not able to reach customer service or reaching someone and being told to contact bank when i already have and the problem was cash app.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report shows that I have hard inquiries for credit cards that I did not apply for. The following are the cards I DID NOT apply for : 1. XXXX XXXX  - XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX  XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX This is affecting my credit score and being able to get approved for credit cards.
Product: Credit card or prepaid card

This company has put " fraud alerts on my account failed to share why requested the authorize users info not mines for verification, which was submitted they then called after confirming they received everything claiming they needed the authorized users that aren't on my account anymore but wont give information on what is going on with my account nor asking for my info to verify me. The representatives were very rude and unprofessional and highly unorganized to be giving piece by piece of information and calling asking for items that aren't needed this information should have been asked for at once. I have had and maintained this account for a while and this by far is the worst experience I have had and I am highly disappointed and will be filing complaints with cfpb, XXXX and my attorney general ask know feel that my rights have been violated, compromised and discriminated. I asked the alleged supervisor XXXX in the Fraud dept for information and she failed to give to me never once was my identity verified when giving information and I know all calls are recorded and on my end, I will be reaching out to my legal team if I don't get solidified information regarding my account and its security this has placed me and children and family at risk cause depend on the card for our necessities. this experience is by far unprofessional
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a faulty account on my credit report and it has been well over 30 days since Ive got a response. Even after making them aware of 4 separate data breaches my personal information was held liable in, I still dont get the respect I deserve
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I received an e-mail from XXXX ( the company I file my taxes through ) with an unusual subject line. The message in the body of the email stated : " ... your debt in collections has gone up. Your XXXX  credit report shows that the debt you owe to collectors has increased to {$2300.00}. '' However, I was alarmed as I did not recognize any of the company names and upon research, the location of the companies are ~1,500 miles from my current location. It was through the tax report portal that I saw and knew of this " collections charge '' for the first time. 

On XX/XX/2019, I filed a dispute through XXXX  to report " collectors charge '' as a fraud account. The report was completed on XX/XX/2019 stating, " INVESTIGATION RESULTS - VERIFIED AS ACCURATE '' Though there are additional details in this report, none of the details, I recognize nor do I understand where they originated from. I've never done business or have interfaced with the " Original Creditor '' company, opened in account to my knowledge, nor have used their services by any means. 

I have never been contacted about this other than by the update from XXXX and no other communication or notifications by any of the parties seemingly involved. I am requesting support, investigation, and clarification as to how this occurred and as to how this can be solved. Thank you for your time in advance.
Product: Mortgage

My complaint mirrors the other XXXX complaints registered on this website. My loan was sold to Seterus, Inc. to service XX/XX/2015.XXXX XXXX. Seterus changed my 30 years fix rate and is trying to charge me a higher monthly payment even though my account is up to date and I have paid over the right amount for 8 years. Now Seterus has damage my credit history as placing me as a delinquent payment and Seterus is initiating a foreclosure in my property. 
I need help I do n't know what to do, I ca n't understand how come after all the fraud the banks and mortgage companies did which cost the economy of the world and nobody is doing anything to stop them? I need help.
Product: Payday loan

XXXX XXXX keeps calling me about my loan with Arrow head loans, In XXXX I went with progressive debit relief to pay them off and Arrow head is not to call me any more and I am still getting calls from Arrow Head XXXX XXXX, now he has some guy calling from XXXX to my family telling them they are sueing me for check fraud. When I called the number they refused to talk with me. They have both been told to call XXXX at XXXX to handle the matter and they refuse ..It is out of control.
Product: Credit reporting or other personal consumer reports

I CALLED IN REQUESTED OLD ADDRESSES TO BE DELETED FROM MY CREDIT REPORT. ON XX/XX/2023, I RECEIVED AN UPDATE FROM EXPERIAN THAT XXXX ADDRESSES WERE REMOVED. THE XXXX Card IS STILL REPORTING LATE PAYMENTS WHICH STILL VIOLATE THE TIMING OF PAYMENT. I ALSO DID NOT GIVE EXPERIAN PERMISSION TO REPORT ANYTHING THAT IS CAUSING ME TO BE UNABLE TO USE MY UNLIMITED CREDIT.
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 items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XXXX I mailed out my dispute letters which disputed inaccurate accounts on my consumer report that were actually included on my FTC identity theft report. It has been just about 90 days from submitting my dispute and I have not received any response to my letters. Therefore, I submitted a complaint on XXXX and got a response stating that I needed to call to give the company my authorization to continue with the complaint. I gave them a call to give them my authorization to continue with the complaint. Transunion accepted my authorization and said they would continue with the complaint and I have not received a response yet. XXXX said they didn't see that I had a complaint until I told them my complaint number. After refusing to acknowledge my complaint they said someone may or may not continue with my complaint. I am extremely XXXX at how they are handling this and infringing on my consumer rights. I am submitting this complaint to make sure they abide by the law and delete and remove these inaccurate accounts. IT HAS BEEN 90 DAYS AND I STILL HAVE NO RESPONSE.
Product: Debt collection

i received XXXX past due statements for loans in my name which i hadve never applied for/had no knowledge of -- from CashNetUSA. ( there are numerous online complaints about this company ). 

however i dont know if someone fraudulently opened a loan acct with cashnetusa, OR if the people at cashnetusa are fraudulently just trying to get me to give them money. 
my credit has been locked down for months and there is no record of this fraudulent loan on my credit report ( verified today ). 
XXXX notice last month was for {$990.00}. 
XXXX notice yesterday was for {$3800.00}. 
do I need to do anything
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues getting my accurate information to reflect on my report. I have a XXXX XXXX, XXXX AND XXXX XXXX ACCOUNT THAT IS NOT SHOWING! My XXXX XXXX is XXXX XXXX XXXX XXXX, My XXXX is XXXX XXXX XXXX XXXX, my XXXX XXXX is XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

the way2go company is who issues the card to receive my unemployment benefits, i applied for my card on XX/XX/XXXX. The state government page says you should receive your card 7-10 days after processing your first week payment which takes 48 hours, s 12 days at most, i waited until XX/XX/XXXX to call state unemployment customer service for assistance and they gave me the customer service number for the way2go company. The prerecorded message asks for card number or pin but requires activating the card before receiving a pin number. Eventually you can wait and get transfered to a queue to speak to someone if the number doesnt hang up on you automatically, but then no one ever answers I called several times XX/XX/XXXX to be put on hold for 45 min before the call dropping and another for 1 hour before hanging up, i also called XX/XX/XXXX several times and after being disconnected immediately I eventually waited on hold for 40 min before hanging up. State unemployment can not help because way2go is a third party financial company. I still have no card, can not contact any customer service representative, and can not receive approx {$2300.00} which is waiting to be placed on the card. I have since changed my method of payment to direct deposit, and I have been told from the unemployment office the company would have no issue moving the money to my account but i can not even talk to anyone in the company.
Product: Credit card

I called CitiBank in XXXX to close my account. They asked why, and I said I didn't feel the rewards were worth the fee. 

They offered me a promotion : To refund {$99.00} if I spend {$100.00} in 30 days. I told them I did not have the card on hand and would need a new card sent to me in order to do this. I was NOT living at home I provided my at-the-time current XXXX address. They confirmed and re-confirmed many times and said that the card was being shipped to my XXXX address. I then agreed to the terms. 

The card never came. I called in XXXX, after the fee hit, and I informed them the card did not ever come. They told me it had and it was not their responsibility. I told them that there was no way the card was delivered to the right address. They assured me it was. 

I returned in XXXX to US. Low and behold, the card was at my OHIO address. This is a violation of the terms I agreed to. I clearly stated that I needed a physical card to spend. I clearly stated my XXXX address and was told the card was being mailed to XXXX. They never sent it to XXXX, they sent it to Ohio. 

I am beyond outraged I was going to close my card but then kept it open, and now I have {$99.00} fee that I never wanted. I called and spoke to XXXX on XX/XX/XXXX at XXXX ET. He refused to help me. He refused to give me any additional information. He said there was no way to credit my account and there was no one that he could pass me to anyone else. The agreement was unfair and deceptive. You can not tell a customer that they will get a fee refund and then purposefully send the card to the wrong address, knowing I wouldn't be able to spend with it.
Product: Credit reporting, credit repair services, or other personal consumer reports

A closed collection account with XXXX XXXX XXXX is being reported on Experian as late payments now showing up. They can not all of a sudden add late payments on a closed collection with NO payment arrangements ever made with the creditor. They are refusing to correct this and it keeps coming back " verified ''. I have sent a method of verification letter and have NOT received any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an unauthorized inquiry on my credit report from XXXX on XX/XX/2019. I have written to Equifax and they have not responded to my claim. I have placed a fraud alert on my credit report to deter possible future fraudulent inquiries and account openings.
Product: Consumer Loan

Hi, I have submitted a complaint previously regarding my issues with Toyota Financial. I was paying a XXXX car payment on a XXXX. I was told I could refinance in few months. Well I did try 6months or so into the loan and lenders told me that 's insane, I had said this in my previous complaints with. Along with they said I can defer a payment, said they did it and I said it does n't show up, and I also explained the women had told my I needed to sign a secure message through her email, well after a few phone calls,, few weeks, months later no deferral, and I 'm argue other issues, double dipping payments on my account. On my daughters birthday, that wasted our time to sign, investigate, and reverse my money. It 's a constant run around Just nasty collection calls, and called me the day a XXXX payment came out and the women called me lier in many words just in my detail with questions, telling me does n't show, and said that 's not possible as I 'm not set up for auto pay. I said XXXX, no reason to lie, I can not talk, I 'm a XXXX and the safety of these kids is priority, she continued to keep asking for a payment, I h a d to han up on her. The latest, I received a bill through mail, that my car payments due XXXX no mention of a repo. From the looks of it, I would never have thought a repo was going to take place, as I been paying on time XXXX a month. They were also I 'm formed on many occasions I I 'm SSD and my pay is every XXXX of month. I also mentioned This up coming payment was going to come out of my previous checking account which is XXXX as I was back banking with them. Well I 'll attach my statement. Tuesday, my car was pulled from my driveway a repossession. After crying, and all that pain, heartache in any situation when your property Is taken and as the communication is there on my end, on Toyotas end it was just a nasty experience. I Call I explain my daughters coats are in trunk I really need my stuff. I said I have a bill. They said I can not pay that amount to get the car back I must pay the entire XXXX plus the guy told me. I said if I had XXXX grand in my back pocket, I would n't be late be on payments. It was just extremely hurtful, stressful and I 'm very tired of being taking advantage of. The repo guy was the most helpful, very comforting to say the least. He had told me he just got the call the night before to come for my car. It just blows my mind that this companies rob individuals everyday, such as myself to keep their accounts up. Well I had enough of doing without because they plot out who they cheat. No so let 's fix this
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to a Data Breach or Fraud, as indicated in the references below : FCRA Section 605B and FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 605B and Section 604. I have previously contacted the relevant companies and have determined that these actions were undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated. 
Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX 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

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

The following addresses are showing up on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and XXXX XXXX XXXX XXXX XXXX, IL XXXX I do NOT live at any address in Illinois. I have lived in Louisiana for many years. 

I have disputed this address numerous times and it has been disregarded. I've been told online and by Experian representatives that there are creditors reporting these addresses but I have called the creditors myself and have verified that all creditors pertaining to my file have the correct address. 

Incorrect addresses on my file put me at risk for fraud this scares me because I have been a victim of identity theft before.