23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XXXX of this year, I tried to sign on to my Amazon.com store card account. I had never had problems before. A year prior to this, I voluntarily closed my account to further purchases but I never had problems signing in to pay my account. So in XXXX, I tried to log on and got the message : " We are unable to perform the operation requested. Please click the " Back '' button and try again. ". I call and talk to supervisors ; i try the chat ( but that is useless ). It 's an online account and very difficult to access your own account number. They charged me late fees and said they reversed them BUT I could n't tell because I could n't log in. Their tech support says they will help, but they are suspicious because the site says THAT I DID LOG IN!!! It was counting my unsuccessful attempts as successful log ins!! Today, I called, and a VERY SNOTTY, UNPROFESSIONAL, AND RUDE supervisor refused to give me a reason as to why I was NOT ALLOWED to log in to my own account. HOWEVER - I have since discovered that I can log on to their mobile app - AT LEAST I can see they have n't refunded me the {$70.00} late fee. I 'm sure when they discover I can access it on the mobile site, they 'll shut me out of that too. 
I have wasted valuable time trying to access the account. I would like to sue them and I think I have a great case. They also do n't give customers an Auto-Pay option like every other credit card. Synchrony - formerly GE Bank - is THE WORST CREDIT CARD COMPANY OUT THERE. DO NOT apply for XXXX of their cards. Every card I have every had with them has had problems ; none of my other cards do and if they do, the problem is solved efficiently and professionally. PLEASE DO NOT APPLY FOR A CARD. These crooks need to be shut down. Consumers do n't deserve this abuse, so let 's not give them the opportunity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, ProCollect added a derogatory mark on my background search for public records as an eviction. Upon further research, this account has been taken care of under my bankruptcy that was filed and discharge XX/XX/XXXX and I am no longer responsible for this account. I have been trying to resolve this matter since XXXX of XXXX and I have yet to receive a reply from ProCollect. This matter has caused hardship in obtaining an apartment or rental house for my family. Also, there is NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt. Im requesting legal action to remove this account as a judgement immediately.
Product: Credit reporting or other personal consumer reports

I contacted XXXX many times concerning the debt owed by the debt collector kickoff. I reached out to Kickoff three weeks ago and there is an automated service that directs me to email XXXXXXXXkickoff.XXXX XXXXor customer support. I am reporting that there is no way to reach this debt collector to negotiate the debt. Kickoff is reporting an unpaid debt to my credit report while unreachable and ignoring me reaching out to them through my credit file. I want this issue resolved as soon as possible. I also Faxed over my information documents to XXXX to update my name and it has been XXXX weeks going on XXXX and my name has not been changed. I don't feel like XXXX is doing what needs to be fixed and I am now forced to make a complaint about what is happening.
Product: Student loan

Over a XXXX  ago, a representative from XXXX told me the Department of Education was considering forgiving my student loans, that never happened. Later, I received a letter/email from XXXX  saying XXXX because of my interest in the XXXX program, my loans were being transferred to MOHELA. MOHELA sent me a letter stating I was denied the benefits of the XXXX program prior to the transfer, ( XX/XX/2024 ). 
I reached out to Aidvantage numerous times, I even spoke to a supervisor, ( XXXX XXXX XXXX, requesting that the loans do not get transferred to MOHELA because the purpose of the transfer was no longer valid and MOHELA has a bad record of customer service anyway. I was assured that my loans would remain with XXXX, suspiciously, that did not happen. 

Less than XXXX  months after the transfer, ( XX/XX/2024 ) to MOHELA, MOHELA sends me an email stating my loans are being transferred again, ( on XX/XX/2024 ), to an unspecified " new loan servicing platform. '' The math is not adding up ( at all ).
Product: Credit card

I have never missed payments with you all, would like a payment of deletion Ive been through financial harder ship Ive been in the XXXX for along time and thought you all were paid
Product: Credit reporting

My Trans Union Credit Report Shows A balance After My Chapter XXXX Bankruptcy Was Discharged. 
Reference Number XXXX Court Circuit Court Date XXXX XXXX, 2012 Status Discharged in Bankruptcy Amount {$13000.00} Classification Legal Item Type legal items
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent and incorrect accounts that are keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 



XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX, has violated my rights 15 USC 1681 section 602 A , states that I have rights to privacy.

15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without written instruction.
Product: Debt collection

I was sent to the ER after a XXXX because of XXXX and XXXX after attempts by XXXX. He told me to go there to get an XXXX incase XXXX. This bill is for that visit and I feel that since the XXXX place put me in that XXXX I should not have to pay for said visit. It should have been taken care of in their office.
Product: Vehicle loan or lease

I was told I was getting extended warranty, no cost mentioned, to help lower my rate. The finance manager didnt not explain well at all. I was told I can retract the cost by signing a form of cancellation as long as I got it in with 90 days. I did and got confirmation via email. I am now 6-8 month after purchase and still have not got reimbursed for the cost. At this point I should get to keep the extended warranty and get reimbursed the cost rather than being told too bad. The dealer XXXX XXXX of XXXX AZ, offered to take my car back and roll me into a new one instead, but only give me a fraction of trade in value. I bought the Nissan in XX/XX/2017, now only 6 months later they offered me $ XXXX less than whats owed and a more expensive Nissan with barely less miles to make up for the hassel and their mistake. I have never dealt with a company who has treated me the way XXXX XXXX has. In addition, when the dealership found out they made the mistake, they tried to only offer me {$300.00} back on a {$2400.00} cost of extended warranty. The general manager XXXX XXXX, has not personally called me back to address this. He has his sales managers call me to give me a more expenses car. This dealership is very unprofessional and doesnt take ownership of a mistake, even though they have acknowledged they made a mistake. I will never use or recommend this dealership to anyone and will take action.!
Product: Checking or savings account

Called Synchrony bank regarding opening 3-cd 's and before the matter was finalized the accounts were opened and the funds were transferred from my savings account. I told the account manager during the telephone call that I had a business call and would get back with him ; however, he opened the accounts. I tried on the same day to get the matter reversed, but the account manager hung up on me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Credit Acceptance Corporation has violated my rights under 15 U.S Code 1681 section 602 states that I have the right to privacy 15 USC 1681 section 604a section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code1666b a creditor may not treat a payment on a account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

On or about XX/XX/19, XXXX XXXX XXXX appeared on my credit report as a creditor trying to collect an alleged debt to {$20000.00} for the account number XXXX. I received no communication of this entity acquiring by transfer, assignment etc, the alleged amount in incorrect and I have a letter from Santander showing a lesser amount owed. These are violations of the FDCPA and the FCRA, of which I have the private right to bring a suit against all parties. This has negatively affected my ability to obtain reasonable interest rates on future financial products. There is also identity theft due to the fact that my personal information, to include social security account, has been possibly breached without my authorization.
Product: Credit reporting or other personal consumer reports

I know for sure that I pay my bills when theyre due. What I dont understand is why Ive been marked late by this company for certain months. USC 1666b says billing mistakes must be fixed and my account updated as paid on time.
Product: Checking or savings account

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I've blocked this company changed debit cards and pins yet these charges keep popping up on my account the company has no web or business address and I don't even know what services are provided. I contact also my online banking institution " Current '' they say the will investigate but can't stop the charges.
Product: Vehicle loan or lease

I have had a current and good standing account with American Honda since 2012 and The loan is almost complete however I attempted a goodwill phone call to them to have my late payments removed from credit report. And was just told " no '' .. I feel this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Listed on my credit report is a Credit collection by XXXX XXXX representing XXXX XXXX XXXX for a balance in the amount of {$950.00}. Also on my credit report is XXXX XXXX XXXX. I have disputed this account multiple times but what upsets me more now is that both companies are listed on my credit report as if I owe the same debt twice. It is unfair that they are both listed on my credit report appearing that I have multiple accounts in a negative status and being denied credit. I am asking that XXXX XXXX be deleted immediately as they are not the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, this letter shall serve as a formal notice of my intent to file a complaint with the FTC, XXXX  due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated XX/XX/2022, as well as my follow up letter. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).! am maintaining a careful record of my communications with you on this matter, for the purpose of filing a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in WENGER v XXXX XXXX CORP., XXXX XXXX ( C.D, Cal. XXXX ), you may be liable for you willful non-compliance.

For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 65 day and again 40 days ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My last submitted compliant through CFPB was XX/XX/2022 ( XXXX XXXX, XXXX Equifax, XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

request the removal of non-mailable addresses from the Consumer Financial Protection Bureau ( CFPB ) database. 

The only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello.
I applied for a refi with XXXX XXXX, who sent me factors on my credit report.
<P/>
They were : 38. You have a serious delinquency and public record or collection filed and on your credit report.
I filed bankruptcy 5 years ago ; in XX/XX/2019 it will be dropped. THIS IS TRUE.
<P/>
18. Too many delinquent accounts. I HAVE NO DELINQUENT ACCOUNTS. My credit score is XXXX ( rated Good ) and show NO delinquient accounts. THEY WILL NOT FIX THIS.
<P/>
14. Length of account history is too short. MY ACCOUNT HISTORY IS FIVE YEARS OLD! THAT IS NOT SHORT. THEY WILL NOT FIX THIS.
<P/>
10. Balances are too high on your banking revolving or all credit history accounts. I HAVE ONLY TWO  CREDIT ACCOUNTS WITH VERY LOW BA : LANCES, IF NOT XXXX. THEY WILL NOT FIX THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed my Transunion score dropped significantly XXXX points. XXXX XXXX account removed without any prior knowledge off my Transunion credit profile. I immediately contacted XXXX XXXX and was told, " Transunion suddenly decided to remove all accounts including its hard inquiry from their files without prior knowledge to us. We have been in business for over 50 years and don't understand why this occurred. We will continue to report to XXXX. '' I informed XXXX XXXX XXXX I have not received anything in writing informing me of pending removal. She said, " We are in the midst of sending out communications to our consumers. " Next, I contacted Transunion by phone and was told the account was removed on XX/XX/XXXX by representative XXXX. I informed XXXX that " It's my right to know if any accounts are either removed or added per FCRA and that did not occur which affected my credit profile. '' The problem is my family was in the middle of making a major purchase by tomorrow for our business and now I went suddenly from good credit to bad credit without any fault of my own which is putting my family livelihood at risk during a Pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called XXXX to get my hard inquiries removed because they were unauthorized inquiries by me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts.

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXETER FINANCE XXXX XX/XX/2021 15 U.S. Code 1666 - Correction of Billing Errors ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit that was not made to the obligor or, if made, was not in the amount reflected on such a statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement of a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

( 7 ) Any other error described in regulations of the Bureau.
Product: Debt collection

In 2012 I moved out of an apartment. Before I moved I notified the apartment manager 60 days before my lease was up of my pending move. I was told to make sure I dropped the keys in the night box and to clean the apartment well before leaving. After leaving I received an bill for damages to the apartment that was not true. I have tried to settle this issue with the apartment but was told that the bill was being handle by a collection agency. I called this agency twice to work out something just to remove this negative remark from my credit. Instead what I got was a rude agent that tried to get me to admit that I owed for this bill. I explained that I didn't owe for this bill because it was false but i want to work to have it removed from my credit report and the agent refused to work with me. On the credit report It mention that I owe XXXX. But the agent said I owed more than the XXXX. So this negative remark lingers on my report.
Product: Money transfer, virtual currency, or money service

Cash app closed my account without any reason or explanation why. Since my account has been closed for 2 months with cash app not responding with why I'm not able to withdraw my money. The account is closed but they allow me to receive money but can not withdraw my money. I received a copy text that I will receive information about my account but I get the same results nothing am still not able to withdraw. I have also filled with the XXXX and cash app has not reached out to me regarding my money and still can not withdraw. 
Thank you for your time XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never received a validation letter or email for this company to collect a debt. 1. I am requesting a debt validation 2. The original contract with the wet signed signature 3. Full payment history from the original creditor 4. Name and address of the original creditor 5. Proof that the company is assigned to collect a debt. This company is not within FDCPA guidelines and if all of the above documents are not delivered, I am requesting immediate removal.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation
Product: Student loan

They are applying payments to only one loan on my account, yet charging me twice a month as if they are going to apply payments to both. My account says past due, and it is NOT. They deduct two amounts from my bank account every month {$50.00} and {$220.00} ; they need to apply the {$50.00} payments to the correct loan. 

Also- they are debiting my account the wrong amount for the payments, or they are sending my incorrect documents. I am on auto debit, and I want this to STOP, and I want my interest earned reverted back to XXXX - per the XXXX XXXX. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XXXX 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$0.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment finalized on XX/XX/XXXX ; this is clearly not {$0.00}. 

On XX/XX/XXXX this company emailed me that I had a {$180.00} dollar payment due on XX/XX/XXXX. 

They took {$220.00} from my account, payment is pending and this is clearly not {$180.00}. 

If I was not on auto debit, I would be paying the wrong amount and/or past due by 3 months. I have no way to trust that the amount they are debiting my account is accurate and being applied properly, it clearly is not being applied properly for the {$50.00} payment.
Product: Checking or savings account

Ive been using Bank of America to save money. And I live in XXXX, I only usually buy things on XXXX, fast food, and go to XXXX to buy groceries etc. With that being said, Im usually just depositing money into the account and saving. And then one day I check my account and noticed about {$14000.00} in fraudulent charges from a merchant that I cant find even when googling the name. So I called Bank of America and filed a dispute when I noticed it and they said these charges are definitely fraudulent because they were international and I have never left XXXX in my life and dont even have a passport. So I could only assume my card information had been someone compromised and stolen from a checkout point terminal or online when I was purchasing on XXXX etc or other websites its my only guess since I had my card with me when I noticed them. Bank of America assured me this looked very suspicious and that they would get it taken care of. Then all of a sudden I get an email from them saying check my messages and I do just that, which Ive included in the photos below and see that they have concluded my claim to this being all authorized with no errors! Which Im beyond in disbelief, I do not think my claim was thoroughly investigated correctly or else it would be seen this is fraud and unauthorized!!! I am reaching out here to have this claim re opened hopefully and actually looked at and reimbursed my money! Ive worked really hard for my savings and trusted Bank of America and this is not the customer service I deserve in return.