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

This is a problem with the Synchrony Bank. I had an account with Sam 's Club for a long time. Then they sent another card without notifying me which I never received. I could not get into my account online. They had mailed that card to an address in XXXX. I called and they closed that account and issued me another card. They same thing happened again. 

I opened a Lowes credit card account. The same thing happened with the Lowes account. 
Lowes also uses Synchrony Bank. The same thing happened twice. 

Today I received another email from Synchrony Bank about a Lowes account. I had to click on a link to open the letter. Again my zip code to open the letter would not work. 

I have not changed my address in over 30 years. I had to call the bank again to keep them from sending out a card in my name to an address in XXXX, Fl. 

I have plenty of credit and have had no problem with other companies or Banks
Product: Student loan

My husband and I have a Joint Spousal Consolidation Loan. The DOE has informed us that the separation process wont be available until the end of 2024. On the student aid.gov website there is guidance allowing borrowers an Administrative Forbearance until the DOE creates the separation process. Our loan was recently transferred from XXXX to Aspire. We were denied this Administrative Forbearance from Aspire because they have not received notification from the DOE that they have to grant us this Administrative Forbearance. It is not our fault that the DOE does have the process available for my husband and I to separate our loans. We both qualify for PSLF and are only waiting for the DOE for the separation process. We have made over 120 payments. We have also submitted all the proper documents. This is an injustice to us as loan borrowers. Congress has passed the law allowing the DOE to separate. We should not be penalized because the DOE is taking so long. Please help us get Aspire to grant the Administrative Forbearance until the Separation process is provided to us by the DOE.

Thank you!
Product: Credit card or prepaid card

I called Commerce Bank back in XXXX about a {$2.00} charge due to amount subject to interest was below chargeable amount. With that being said I had receive correspondence in the mail about 0 % APR through the end of the starting on a certain date in XXXX. I had misread the correspondence and charged $ XXXX 2 days before the 0 % APR actually started. Well I charged a couple of other items in the 0 % APR timeframe. So I received the statement for that month and send in payment for {$920.00} so I would not be charged any interest. Well that is when I received statement with {$2.00} fee and called the 1st time which took well over a hour to get ahold of anybody. I explained that the {$920.00} should of been applied to all of the subjected $ XXXX that had interest. They explained to me that {$30.00} was not paid off from the {$920.00} mailed in. I explained that the the amount that had interest should be applied first which would of cleared the $ XXXX and the other amount would not of accrued interest. Some supervisor then waived the fee and an agent said it was fixed. Well get the XXXX statement that included the same fee and once again called in to get fixed which stated a supervisor would call me in a few days. No call so called back and got the same thing ... ... no call at all. Get the XXXX statement with same fee. Now I'm filling this complaint as they did not apply the entire {$920.00} to the subjected $ XXXX that would have had interest.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice .i had fraudulent accounts on my report. Could you removed these accounts from my report, they are hurting my ability to obtain credit thanks you
Product: Checking or savings account

On XX/XX/2018, I opened an account with CitiBank based off the {$500.00} promotion. I was told by the personal banker that if I keep my account at {$15000.00} or above for three months, I would receive {$500.00}. 8 months later, I have yet to receive my bonus. I was recently informed by the personal banker that she misinformed me and did not open up a savings account, which she should have I was later told that the savings account was one of the qualifiers to open an account. I followed up every month and I was told several times by the personal banker and customer service that I should be receiving my {$500.00} soon as I have all the qualifiers, but three weeks ago I was told that I can not receive it because of no savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights have been violated by XXXX different companies. Listed below are 3 rights that have been violated ; 15 U.S.C 1681 Section 602A. States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1692 C. States that a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Below, I've listed the companies, account numbers, and amounts that should be removed from my credit report as soon as possible. Thank you for your cooperation. 

XXXX XXXX XXXX Account # XXXX Amount- {$320.00} XXXX  XXXX Account # XXXX Amount- {$940.00} XXXX XXXX  XXXX Account # XXXX Amount- {$1900.00} XXXX  XXXX  Account # XXXX Amount- {$2300.00} XXXX XXXX XXXX Account # XXXX Amount- {$1200.00} XXXX XXXX XXXX  Account # XXXX Amount- {$160.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1400.00} XXXX XXXX XXXX Account # XXXX XXXX {$1200.00} XXXX XXXX XXXX Account # XXXX Amount- {$120.00} XXXX XXXX XXXX Account # XXXX Amount- {$1100.00} XXXX XXXX XXXX Account # XXXX Amount- {$1300.00} XXXX XXXX XXXX Account XXXX XXXX Amount- {$1200.00} XXXX XXXX XXXX Account XXXX XXXX XXXX {$1100.00}
Product: Mortgage

On XXXX XXXX, 2015, Wells Fargo Home Mortgage gave me a pay off amount of {$110000.00} and this amount was good through XXXX XXXX, 2015. XXXX XXXX XXXX requested from Wells Fargo {$430.00} from my escrow account and according to XXXX, employee at Wells Fargo, They issued the money to XXXX XXXX XXXX. Today, I questioned why Wells Fargo gave my escrow money to a party that was not authorized by me to use my escrow account, and he did not know. XXXX XXXX XXXX requested my escrow account and it was issued to them I was never informed of this prior to happening. Wells Fargo has since changed my pay-off amount to XXXX. XXXX XXXX XXXX stated that the payoff was sent to Wells Fargo Home Mortgage on time. There should not have been an additional {$220.00} interest charged to my pay-off. Also as of XXXX XXXX, 2015, I had changed Insurance companies and Wells Fargo was notified but never paid my new company the premium and I found out that XXXX had cancelled my insurance after no response from Wells Fargo, therefore I was not insured from XXXX XXXX, 2015 through XXXX XXXX, 2015, and was not notified. 

My XXXX Statement from Wells Fargo the escrow was XXXX which they gave to XXXX XXXX XXXX and my XXXX escrow would have been approximately {$320.00} which they took {$220.00} as additional interest. Since when can a financial Institutions just transfer my money to another financial institution without my permission. Wells Fargo and XXXX XXXX XXXX are not concerned for my welfare as a customer.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE ALL THESE ILLEGAL ITEMS REMOVED OFF MY REPORT AS SOON AS POSSIBLE. THIS IS TOTALLY ILLEGAL AND THESE ARE NONE OF MY ACCOUNTS! 


All of these accounts are TOTALLY FRAUDLENT AND ILLEGAL AND VERY MUCH INCORRECT. I WOULD LIKE THESE ITEMS REMOVED OFF OF MY REPORT AS SOON AS POSSIBLE. COLLETIONS AND AND INQUIRIES ARE ILLEGAL I WOULD LIKE THESE REMOVED AS SOON AS POSSIBLE. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My mortgage was recently transferred from XXXX XXXX XXXX # XXXX, XX/XX/2021 to Selene Finance. Selene recently contacted me to discuss my mortgage being delinquent, but I am currently in a forbearance. I was affected by XXXX and requested a forbearance with XXXX XXXX my servicer at that time, it was approved. My loan servicing was transferred to Selence while I'm currently in the forbearance. Selene customer service contacted me stating their servicing records showed I am in default with my mortgage and Selene Finance had not approved a forbearance for my mortgage. 


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Product: Checking or savings account

On XX/XX/XXXX I submitted a {$400.00} payment to my Capital One Quicksilver account mistakenly from my Capital One savings account which had no funds in it, hence was rejected. On XX/XX/XXXX I was notified I had made that error and submitted another payment for {$400.00} from my CO checking account. That {$400.00} was debited from the checking account on XX/XX/XXXX. I received another notice that payment was being returned due to insufficient funds so I made another {$400.00} payment on XX/XX/XXXX. The payment made on the XXXX was not ever returned to my bank account. After waiting nearly two weeks I called CO banking services to report the missing payment that left the account, was not applied to the credit card and had not been returned. I could not understand the agent I spoke with and she filed the issue as a dispute rather than a missing payment. Capital One then debited via reversal on my credit card {$400.00} to put {$400.00} back into the bank account on XX/XX/XXXX. I called again and informed them of the error and that I had not received back the {$400.00} payment nor was it applied to the credit card account on XX/XX/XXXX and they did the same thing again but this time with the {$400.00} payment made on XX/XX/XXXX, debiting via reversal the credit card and applying {$400.00} to the bank account. I have had numerous three party phone calls with CO credit card services and CO banking and after the banking side has confirmed {$400.00} left the account and was not returned and with CO credit card services confirming twice {$400.00} was debited to the account with the final conclusion even after both sides claim to see the error that the payments were returned because of them reversing those two payments twice which doesn't account for the {$400.00} that went missing to begin with. I've been told numerous times it would be investigated and to wait 30 days for a response which I've never gotten, I've called back and get the same circular agreement then argument which has taken hours each time I have tried to resolve this with them. I have filed a complaint with the XXXX  it's been over 6 weeks and have not heard anything back from them yet. This issue has created a domino effect with my other accounts and caused my credit score to take a dive. I am deeply disappointed in the lack of professionalism, gaslighting and patronizing attitudes of CO employees as if I don't understand how transactions work. This situation has been very distressing on top of creating financial harm for me.
Product: Checking or savings account

SOMEONE USED MY ACCOUNT WITHOUT MY PERMISSION and purchased items and now I am being held responsible for these charges. 

us bank account XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The company misrepresented the total amount to be paid on my loan. I was never told I would pay back {$6200.00} dollars on a {$800.00} dollar loan. They expect me to pay {$400.00} dollars a month until the whole {$6200.00} dollars is paid. I found out later after contacting them on XXXX/XXXX/2016. This was 2 months after the initial loan was taken out from them.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports on XXXX, I noticed 4 hard inquiries on my report, that I had not applied for. I have been a victim of identity theft and I've made police reports, locked my credit report, with the 3 major credit companies, I've been working hard on keeping my credit good and to see this on my report is a eyesore. XX/XX/XXXX, Feb/Destiny ( Bank ), XX/XX/XXXX CB INDIGO BANK XXXX XX/XX/XXXX XXXX/Milestone Bank XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Upon my application for a mortgage with another lender, AmeriSave mortgage began calling my cell phone. First, this is a TCPA violation as they did not obtain my consent to contact me via cell phone. Secondly, I made no contact or application with AmeriSave. However, they stated they have my information and they have me approved for a mortgage. I never applied or contacted them in any way. They are obviously purchasing leads from the credit bureaus for recent inquiries. As this is a misleading practice and they are violating TCPA they should be fined. On XX/XX/XXXX I received two phone calls, On this first call, I made them aware, on a recorded line that they did not have my permission to contact me and that they were violating TCPA. It took me four additional calls after the second call from them today to get someone to acknowledge they were removing my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under complaint number XXXX Transunion reported that two XXXX XXXX accounts were, but they are being reported on my most recent consumer credit report as of XX/XX/2023. This is what I mean as predatory reporting and activity. CFPB even referred to them as " out of control repeat offender ''. 
TransUnion is an out-of-control repeat offender that believes it is above the law, said CFPB Director XXXX XXXX. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. 
This statement alone proves that they can not be trusted, and their practices are unlawful. There are several unauthorized inquiries on my report. I was recently had adverse action against me as I was denied for a home loan. My Transunion score is the lowest of all three major reporting agencies and they have double accounts. They are reporting that I have over XXXX in XXXX loan debt when that is simply accurate. They refuse to give me their verification process through CFPB or when I call them. They have made false claims to the companies listed on my reporting stating that I am claiming identity theft when in fact I stated that Transunion has stolen my identity by furnishing a consumer credit report on my behalf. By law they can only do so under written instructions of the consumer. I have never consented to allow Transunion to furnish my identity to anyone. Transunion is defaming my character with these inaccurate accounts they are reporting. They are causing harm to my family and I. This reporting is causing my mental health instability by receiving adverse action against me and daunting phones calls from companies that I have no legal obligation to. I have requested that they cease and desist from reporting all hard inquires and negative reporting accounts. These companies like XXXX XXXX, XXXX XXXX and XXXX credit are not even authorized to conduct business in my previous state XXXX and my now new home state of XXXX
Product: Debt collection

Recently I found an item on my credit report from this organization. It came as a surprise as I had not received any notification, verification or communication from them. 

Several accounts were opened using my information in the past as an act of fraud. This fraud was likely committed by an ex significant other who managed our finances - though I do not know who for certain. The accounts seem to have a pattern of being opened, quickly used, never paid on and subsequently closed. 

I have alerted several companies to this and many have updated their records. It appears XXXX accounts in this office are part of this, though only XXXX is currently being reported. I do not know of the accounts in their office and had they attempted to contact me, I could have advised these are not my accounts as these accounts were listed on a notarized Federal Trade Commission Identity Theft Complaint and Affidavit. 

Despite this, they continue to report inaccurate data on my credit report and leave the file open using it as leverage in a sick attempt to force payment.
Product: Credit card or prepaid card

Chase did not issue a free night certificate to my account as promised in the letter attached. XXXX XXXX from their MO Customer Service promised the second would be deposited within 8 weeks, but another at Chase claimed otherwise!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, XXXX, Equifax and XXXX are reporting inaccurate, fraudulent and false information on my credit report. I will list the following accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX By these credit bureaus listing inaccurate and fraudulent information and isn't 100 % correct is a direct violation of the FCRA
Product: Credit reporting or other personal consumer reports

Personal information reported wrong. Name ( s ) incorrect. Multiple wrong addresses reported as well.
Product: Money transfer, virtual currency, or money service

I was negotiating the cost of a puppy online and was requested to use XXXX for the transfer - turned out that the person was scamming multiple people out of thousands of dollars. Wells Fargo offers this service and advertises it as a method to instantly and securely transfer funds. They failed to make it known to the consumer that they offer no recourse for these mishaps and refuse to assist in any way and blame it on its the users discretion whether they review terms and conditions before every single transaction. Not taking into account that not every consumer has the ability to fully access and/or comprehend the details therein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, Experian and XXXX credit bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a fraudulent cc on my credit report and they said it was resolved which is far from the case. I never opened a XXXX XXXX cc in XXXX of 2018 and its showing delinquent on all 3 credit bureaus. I want the cc closed and something done to investigate who opened this cc and I want them prosecuted. Please help me with looking into this. 

Thank you. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've attempted several times requesting documents that proves this is my debtXXXX XXXX XXXX XXXX XXXX XXXX XXXX. These are same alleged account with different debt buyers. Trying to collect same debt is violation, as well. Under 15 1692g, all documents I've requested they haven't since sent me any verification. Under the reinvestigation, they still could NOT verify this alleged debt. According to the law, 15 usc 1681iA5, if after reinvestigation, still inaccurate the item must be deleted immediately. The reinvestigation must be conducted at a highly manner of finding these inaccurate files. What procedures was done to verify this account? Furnishing inaccurate information knowingly with errors must be deleted. It's been well over 60 days too. It remove this item they can not validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time that - over 90 days - I have submitted my police report identifying a fraudulent account from XXXX XXXX to Experian reporting in error on my credit report. Experian continues to ignore my police report and willfully is violating federal law in investigating identity theft. The account number and fraudulent account details were included each time in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be blocked pursuant to the Fair Credit Reporting Act, Section 605B. Each time Experian has processed disputes and " verified '' my name and social security number that have been breached and each time Experian has ignored my police report and the crime of identity theft documented in the police report. Experian refuses to honor my police report and refuses to comply with federal law pertaining to victims of identity theft. Experian 's policy has directly and repeatedly violated the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I ordered several items of furniture on XXXX using the financial services of Acima to lease the furniture. 
I received the items and returned XXXX of the items ( sofa and lamp ). Acima adjusted the total, informed me only about XXXX time refund received via email. I called them to ask whether Acima received refund for the lamp, representative confirmed verbally but never emailed the confirmation about what refunds XXXX refunded Acima. 
XXXX emailed that they transferred the extra refund on my order to Acima and now has been non-stop requesting from me to pay total of {$870.00} from me. 
I called Acima and asked to adjust the total with XXXX on the order Acima financing to me. But no response. 
Now, I am in the double debt situation : I make payments to Acima under the lease agreement for the furniture and XXXX asks me to pay outstanding balance on order ( financed by Acima ) for the same furniture. 

Order No ( XXXX ) : Invoice # XXXX ( dated XX/XX/year> ) LEASE NO : # XXXX ( with Acima ) dated XX/XX/year> So, at the end, Acima does not provide with information on what exactly and how much XXXX transferred them as refund, and XXXX requests that they made extra refunds ( to Acima ) on my order and requests from me to pay back that refund, when Acima has to handle that, and I pay lease payments under the lease agreement.
Product: Debt collection

This is currently reflected on all three of my credit reports as of XX/XX/XXXX. Harvard Collection serv. Acct type Collection. Date opened XX/XX/XXXX. Status of this account reflects Past due amount {$970.00}. Balance updated on XX/XX/XXXX. Paid off 0 %. Ive utilized XXXX and it states that there is No match for this collection company.
Product: Money transfer, virtual currency, or money service

my direct deposit is 3 days late as of XX/XX/XXXX, and hace been given zero reason from XXXX/netspend.