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

Two years ago I realized that Synchrony bank was not calculating my XXXX rewards correctly. Upon contacting the bank the phone representative did some calculations and agreed that the rewards were not being calculated correctly. Later I received a form letter from the bank stating my rewards were calculated correctly with no explanation as to how they were being calculated. 

Over the coming months, I filed complaints with the XXXX Florida Attorney General and Consumer Financial Bureau ( CFPB ). On each of the following dates, Synchrony bank denied to each of these agencies that my rewards were not being calculated correctly. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida Attorney General XXXX Florida Attorney General XXXX CFPB Finally on XXXX Synchrony Bank admitted to the Minnesota State Attorney Generals office that there were errors in the accounting of my rewards and credited my account XXXX points. In response I replied that according to my calculations there is an additional XXXX points missing and asked for a detailed accounting of every transaction on my account. 

On XX/XX/2022 XXXX XXXX, Senior Specialist of Synchrony Bank wrote back to the MN Attorney General stating there is an open remediation to determine any additional points missing points. ( see attached letter ) After 3 months I did not hear from XXXX XXXX. 

On XX/XX/2022 I called XXXX XXXX at XXXX, ext. XXXX and received a voicemail that stated she no longer works in the customer service department and was further instructed to call the number on my billing statement. I phoned the number on my billing statement and reached supervisor XXXX. XXXX informed me that there was no open remediation on my account. She said there was no other person I could call. When I asked if the XX/XX/2022 letter from XXXX XXXX was showing on my account, she answered in the negative. 

I have been lied to over and over for a period of 2 years by this bank. Despite repeated requests of asking for a line by line transaction history for my rewards I am refused every time. 

Some of the points I did receive were spent on purchases at XXXX. For various reasons some items purchased were returned to. XXXX shows a credit to my points but Synchrony bank never passed the credit through to usable points. In otherwords the bank kept my points.
Product: Debt collection

Hi, today XX/XX/23 I got a collections notice from this company. They were notified by written letter & few months ago to never contact me again. The debt collector didnt seem to understand that.
Product: Mortgage

Hello XXXX and XXXX XXXX here. We were approved for HAF Homeowner Assistance Fund back on XXXX and the XXXX have told us that they would be sending the payments to our Wells Fargo Mortgage beginning XX/XX/2022 for 18 months and by the time you receive this letter it will be XX/XX/2022 and Wells Fargo hasn't processed the payment yet as the XXXX have told us that the payment was sent on XX/XX/2022 and it was up to Wells Fargo as of XX/XX/2022 to release the funds and apply them into our account. We do not know who else to contact .... 
Thanks again and God Bless. 
XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hi Experian, I am writing to formally request a copy of the procedure your company followed to ensure that the account XXXXXXXX XXXX XXXXXXXX opened XX/XX/XXXX and account XXXX  XXXX XXXXXXXX XXXX opened XX/XX/XXXX is completely accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

For account XXXX XXXX  XXXX opened XX/XX/XXXX and account XXXX XXXX XXXX XXXX opened XX/XX/XXXX the information is not assuring maximum possible accuracy. The open date is still inaccurate, and the date last active and date last reported do not match the records on XXXX and XXXX. You were supposed to modify, delete, or update this information according to 15 USC 1681i ( 5 ), which constitutes another violation. 

This account doesnt even belong to me it is fraudulent please remove it. The other bureaus have already removed these accounts! 

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

In accordance with the fair credit reporting act XXXX  account number ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX XXXX XXXX ( XXXX XXXX  # XXXX ) ( XXXX Account number XXXX ) ( XXXX XXXX Account # XXXX ) ( XXXX Account # XXXX ) XXXX XXXX XXXX XXXXXXXX Account # XXXX ) ( XXXX XXXX Account XXXX ) ( XXXX Account # XXXX ) ( XXXX Account XXXX ) ( XXXXXXXX XXXX Account # XXXX ) has violated my rights. 


15.U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I had signed on my XXXX XXXX account on XX/XX/XXXX and noticed hard inquiry 's I never authorized or signed up for. I am looking to have these removed as this is fraud and someone was trying to use my personal information. I just tried calling up some of these companies and they all pretty much said I have to dispute here in order for false inquiry 's to come off credit report here are the ones I do not recognize and believe them to be fraud ... I would like these to be removed from any credit card reporting agencies as I did not do any of this and it is inaccurate. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX
Product: Debt collection

I have reviewed the letter that Frist Point Collection Resources emailed me and that bill is not mine. I first want to start off by saying I do not live at XXXX XXXX  XXXX XXXX nor have I live there in 2017. In 2017 I was staying in XXXX, North Carolina. Secondly I never received services XXXX XXXX XXXX.
Product: Checking or savings account

I have both a Spend ( debit card ) and Savings accounts with Credit Karma, which until recently I had no problems with. However, after my divorce in XX/XX/2021, the account that was funding my Credit Karma accounts ( at XXXX XXXX XXXX XXXX XXXX had to be changed, as the servicing bank could not simply remove my ex-wife 's name from my accounts. 

I tried to transfer money from my Credit Karma account to my external bank, but due to the bank being in the process of changing my account numbers the transfer was returned to Credit Karma. Due to the return of the transferred funds Credit Karma has frozen both of my accounts and have refused to allow me to regain access, so now I can not only not access my assets, they refuse to allow me to update my account with my new banking information. They also refuse to call XXXX XXXX XXXX XXXX to even verify that what I've stated is true regarding my accounts at XXXX. I understand they can not access my accounts at XXXX for security reasons, but they refuse to even reach out to verify what I'm telling them is factual. 

I have called Credit Karma many times since XX/XX/XXXX in attempts to resolve this issue, however the department that handles this type of situation refuses to take incoming calls, stating they only work via email. I have sent them the requested information to verify my identity with regard to the new XXXX account numbers a couple times now, and still my accounts are frozen, causing me extreme financial as well as mental stress. Now, due to Credit Karma 's unwillingness to unfreeze my accounts, I can not pay my mortgage or several other bills at this time due to their refusal to cooperate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in receipt of my Equifax credit reports dated XX/XX/XXXX, I noticed the following credit inquiry on my report : ( See attachment ) The following unauthorized hard inquiry which impacted/lowered my credit score was placed on my credit report by XXXX on XX/XX/XXXX, without my expressed verbal, wriiten consent or knowledge. In addition, XXXX also placed an soft inquiry on my Equifax report on the very same date. 

I immediiately reached out to XXXX and asked verification and removal of the hard inquire placed on my Equifax report. According to XXXX they placed several requests with Equifax to remove the above mentioned inquire. 

I contacted Equifax several times attempted to dispute the above mention inquiry an was told consumers could not dispute inquires. I informed Equifax under the FRCA consumers are permitted to dispute any inaccuracies contained the consumer report/file which included hard inquires. 

Equifax refused to allow the consumer to dispute hard inquiry place on my report also refused to provide the contact information of XXXX i.e. address, telephone which FRCA requires Equifax to provide consumer with this information. 

To date Equifax had refused XXXX and the consumer request to delete above mentioned inquiry with full knowledge this impacts the consumer credit scores. 

I belive Equifax is targeting minorities with this practices to intentionally lower Americans of XXXX decents credit scores. 

This is not the first discriminatory practices of Equifax I have reported to the CFPB over the years and to date you have refused to provide protection to consumers.
Product: Money transfer, virtual currency, or money service

Back in XX/XX/2022 I completed an online application with Paxos Trust LLC to setup an account. The application required a name, social security number, full address, telephone number, and email address. In addition, it requests that applicants submit a selfie photo and a pic ( front and back ) of their state issued iD or drivers license. After completing the application, Paxos emailed me a Request for Additional Information. In response to this request I submitted more private/personal details.. my source of income, employer name and location, proof of residence ( utility bill ), investment intentions, and criminal history. Well now its been over 2 months since my completion of the application and full compliance with all their requests but still NO PROGRESS and NO UPDATES from Paxos
Product: Credit card

I made a payment on my card on XX/XX/XXXX but I had an automatic payment that was scheduled on XX/XX/XXXX. on XX/XX/XXXX I called the bank and asked to cancel the duplicate payment. I was told this process will take 3-6 business days, the money will be back to my checking account on XX/XX/XXXX. It did not happen. On XXXX I called the bank I was told it will be there on XXXX. Every time I called I got something new. I had filed a dispute with my eastern bank ( checking account ) which costs me {$35.00} dollars. Today I had called credit card company 5 times I was transferred to Elan credit card manager ( Eastern bank ) who told me there is nothing they can do for me. The money is not going back to my checking account as I requested. They will keep it. I believe I am entitled to request the adding payment to be reversed to my checking account and there should not be any problem. Apparently, I was told no. There is no policy I signed that mentioned if customer made a duplicate payment to their bill by mistake they are not going to refund the money nor reverse it to the bank. I believe this is abuse and bad business. I need my money back to my checking account.
Product: Credit card or prepaid card

This complaint deals specifically with false and abusive practices by XXXX XXXX ' rebate process, which is handled by a company called " Young America , LLC. '' My rebate was submitted XXXX XXXX ( see screenshots ). Even though the confirmation says " allow up to 8 weeks from submission to receive your rebate '' it 's been almost 18 weeks at this point. I 've called them half a dozen times ( typically every 2 weeks ) but I 'm told that the representative ca n't do anything to help and that I should 'just wait another 2 weeks. All of this, despite multiple reps stating very clearly that I had submitted everything correctly with all required documentation and one representative even stating that a check will be sent out and I would receive it within 5-7 business days. They have neglected to call me back when promised and have yet to make good on the original terms of the rebate agreements. I feel I 'm at a loss as to what to do about this. It 's unfair, it 's deceptive, and it 's abusive. I 've spent hours on the phone with them for something I should have received months ago.
Product: Student loan

XXXX XXXX University in XXXX, Indiana is where I got the loan, I ended up paying the bulk of it and a balance of {$59.00} was overlooked and ended up being sent to a collection agency, Williams and Fudge Inc., I made the payment the moment they called me in XXXX of XXXX, now 2 years later we look at my credit report and their name as well as the {$59.00} balance is on there as active, I thought this may be a mistake so I called the agency, I spoke to XXXX rep a male, he did not give me the mini Miranda before discussing the account, and next I spoke to a female rep and she gave me the mini Miranda, I told them what issue I had and I was told the man I need to speak to was not available, that was fine. I scheduled a call back time with them for Thursday XXXX XXXX at XXXX, the call never came, I just want this resolved and I am upset with the damage caused to my credit because the collection agency could not act responsibly
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2017 I called what I thought was XXXX XXXX, ( it turned out to be a company reselling XXXX XXXX ) I spoke with them for over an hour and they assured me that if I purchased XXXX XXXX that I would get every XXXX XXXXXXXX XXXX  game at my house in Florida. XXXX  was installed XXXX XXXX  week of 2017 when I attempted to find the XXXX  game it was not there. I called XXXX support ant the only way to watch it was on XXXX XXXX. So I spent the next XXXX months trying to cancel the service and finally stopped payment with my credit card. I took to social media and it took XXXX more months to get them to stop trying to collect money every month but they did. Now this company that is still trying to collect the {$340.00} dollars uses a different collection agency every year and this has been on my credit report every year since and I have to go through this process to clear it up. There has to be some law against using a different collection agency every year and having this reappear on my credit report. Does this ever end?
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested my credit reports from XXXX, XXXX, and Equifax and noticed I had unauthorized fraudulent credit inquiries on my credit report. I wrote three letters to each company and filed an FTC report stating they were fraudulent and requested they be deleted immediately. XXXX and XXXX followed through and deleted the fraudulent inquires then sent me an updated credit report showing they were removed. Equifax has not responded or sent me a credit report. On XXXX XXXX, this is the second time I am filing a complaint and second time I filed an FTC report as well as sent them letters stating per 15 USC 1681 ( a ) of the Fair Credit Reporting Act that they are in violation of the accuracy and fairness of the credit reports requesting action and immediate removal of the fraud inquiries. Below are the fraudulent inquiries and the dates they were made. 
1. XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX  on XX/XX/XXXX 4. XXXX XXXX  on XX/XX/XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX on XX/XX/XXXX 8. XXXX XXXX  on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX 10. XXXX XXXX on XX/XX/XXXX 11. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX  on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX CO XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$460.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX NA ) XXXX Balance : {$1000.00} ; XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report on XX/XX/20 By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my report XXXX XXXX XXXX account XXXX, it is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C Sec 1681 ) ( a ) you must complete this investigation within 30 days.
Product: Debt collection

XXXX called me on two separate dates after XXXX. I work XXXX XXXX and both times I was already asleep and was woken up from their calls after reasonable hours. First on XX/XX/XXXX at XXXX and second occasion on XX/XX/XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and there is inaccurate addresses being reported that need to be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I recently applied to Bank of America to modify my HELOC Loan to a 40 year amoritization loan, in order to lower my monthly payments. ( All my payments have been and are current. ) On XX/XX/XXXX the Bank of America Underwriter denied the Modification even though my Debt to Income Ratio is 49.53 %, which is within the required 45 % to 55 % range. The Bank of America Underwriter 's denial was based on her incorrect calculation of the Ratio ( the Underwriters errors have been detailed in my Table XXXX ). 

On XX/XX/XXXX Bank of America changed the HELOC loan payment from interest only to amortized over 15 years. This resulted in the monthly payments increasing from {$720.00} to {$2100.00}, which is a massive 191 % increase. To cover these higher payments from XX/XX/XXXX to present, I have had to pay a cumulative total of {$25000.00} extra [ ( {$2100.00} - {$720.00} ) ( 18 months ) = {$25000.00} ]. If I had been able to modify the HELOC before, I would not have had to pay {$25000.00} extra, which is still increasing at a rate of {$46.00} PER DAY. 

I have been seeking a HELOC Modification for over 3 years now. I have FAXed in over 20 months of documents which has taken over a XXXX hours of my time, due to chronic and systemic complications with the process. I am a senior citizen and have been a Bank of America customer for over 40 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

update payment history to paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , inc ) due to inadequate customer service and unfair practices which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Mortgage

Peoples United Bank is harassing us by applying mortgage payments late, making multiple suspicious debits and credits that offset each other, and reporting false interest information to the Internal Revenue Service. Peoples United reported to the IRS less interest paid than was actually paid on a XXXX for XX/XX/XXXX. A separate complaint has been filed with the IRS regarding filing the false XXXX. 

Peoples United Bank did not apply a {$450.00} extra principal payment when it was taken out of my checking account on XX/XX/XXXX. Instead it logged a {$450.00} payment on XX/XX/XXXX, then logged a debit for {$450.00} on XX/XX/XXXX, and 15 days later logged the payment for {$450.00} on XX/XX/XXXX. It also failed to process several written requests to increase the extra principal payment from {$1800.00} per month to {$2200.00} per month on the XX/XX/XXXX of each month. As a result the extra principal payment was applied 3 days late, and then applied 13 more days late. When we requested help the customer service representative, XXXX, told us we completed the form incorrectly and harassed my wife about completing the form correctly. She was extremely rude and inconsiderate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$300.00} XX/XX/XXXX I disputed this because I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I didn't open this account. I disputed this with XXXX XXXX and Transunion, yet it has not been removed or resolved.