23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had an account with CONN Appliances, XXXX which I was making monthly payments debited from my checking account. I paid off the entire balance on XXXX XXXX, 2016. However, they continued debiting my account for three months and counting. I had contacted them 3 times and they admitted and said they will refund money. Instead they keep taking money out. I have proof I paid off the account, but looks like there is incompetence in their finance department. XXXX different occasions I had been told to wait for the money to be refunded but is been three months and all I get is another withdraw from my account.
Product: Debt collection

XX/XX/XXXX I reviewed my account statement for a Cabinet purchase financed through Synchrony Bank, and was surprised to see that my statement more than doubled. I intended on paying my entire balance in full on my previous statement, which was {$1100.00} and was surprised when I saw my statement was {$2400.00}. Upon calling Synchroncy Bank, the initial representative was extremely unhelpful and I quickly requested to speak with a supervisor. 

The supervisor stated that the new balance reflected interest calculated through the life of loan. The online payment system kept telling me a minimum payment, which I made double, sometimes even quadruple on a monthly basis with the exception of XXXX so that I would have a little extra money to spend for XXXX gifts for my loved ones. The system only reflected the minimum payment expected for the loan without the calculated interested that was building up. The supervisor said that the fees assessed reflects total interest calculated for the life of the loan to this point. 

Additionally, the APR on this credit card is 29.99 % which I was not aware was happening. I was making payments to the best of my ability, even through job loss and under employment with the intention of paying off the entire debt today. 

The balance now, with the APR makes it impossible for me to do so. The supervisor insisted that they could only waive a single fee- the XX/XX/XXXX interest, but could not waive anything else- the life of the loan interest. She also stated that there is no way to settle the debt or modify the terms to make it more reasonable. 

This company is directly violating the FDCPA by making terms unfair, deceptive and abusive. There is no way that this should have happened. Synchrony Bank did attempt to reach out to me via phone call but never once left a message. Their emails to me never once warned me about this promotion ending and started harassing me for missing a single payment even though I had always paid more than the minimum. 

Furthermore, the manager that I spoke with at Synchrony Bank gave me conflicting information about where the corporate headquarters is, stating that they only had a PO box and did not provide a physical location to mail any payments, should I agree to mail a settled payment.
Product: Vehicle loan or lease

I moved from XXXX  to XXXX XXXX and I'm trying to register my car in XXXX XXXX I contacted Citizen 's bank yesterday, XX/XX/2021 and was told to email in the form and wait 3-5 weeks for a reply. I emailed them the form today, XX/XX/2021. 

3-5 weeks? Seriously? I understand that COVID has caused some delays, but 3-5 weeks for a form to be processed? Citizens Bank set up my autopay immediately and takes the money out of my account every month on time. If i was applying for a new car loan - something that would make them a profit - I'm sure it would be processed immediately. But I need a little service and I'm told to wait 3-5 weeks. That's not okay. My account number on this loan is XXXX.
Product: Credit card or prepaid card

In XXXX/XXXX XXXX I decided to open up Southwest Airlines chase credit card since I was hearing so many good things. At the time of when I open the account there were two offers going on. I was initially signing up for the offer with XXXX bonus point for spending {$2000.00} in first 3 months and when I received my card and first statement I saw offer that applied to my account was {$200.00} statement credit with XXXX points. 

On XX/XX/XXXX I explained what happen and asked if I can get this fixed. They said they will review the account and send me a letter in next 7 days. After I received a letter stating that they can rebill my account for {$200.00} and add additional XXXX points to match the offer. 

After receiving the letter I called to let chase know of accepting the offer to rebuild my account and add the remaining balance. 

Months later I called for update for not seeing the balance points and I never got a response back. I called customer service multiple times and explained my situation and every time they stated I would get a letter in the mail. 

Today I called XX/XX/XXXX and my call was escalated to a customer service supervisor XXXX at XXXX. He stated there were letters sent I was not eligible and he will not help me. Its upsetting that he was not understanding my situation and was very rude and did not provide a good customer experience. 

I am reaching out for help. I kept explaining that the letter I received is different than what he keeps telling me. 

Please help.
Product: Checking or savings account

On   XXXX   XXXX   XXXX    ,  US Bank  allowed {$9200.00} to be fraudulently stolen from my checking account via  XXXX  counter withdrawals in another state ( {$5200.00} in  XXXX , WI and {$4000.00} in  XXXX , WI  ) in  wh at may have  been an inside job. We believe a bank employee turned off my fraud alert that should have contacted me when the account dropped below {$10000.00} and then they did not follow their own policy for sign off on a large counter transactio n ( the branch manager confirmed this in the   XXXX   police report ). They refused to provide access to any  video surveillance, lied to the police that they did not have any footage, as conveniently their system was being switched over during that same time. Additionally, they claim none of the individuals work there any more. They did not follow proper procedure to keep my money safe, were negligent at best and complicit at worst. They are hiding behind a 30 day window to avoid returning the funds that were stolen. I was never notified or contacted in any way about the large amount of money ( despite having fraud alerts in place ), and only discovered it myself through a routine evaluation of my finances. The signatures for the withdrawals clearly do not match my signature on file. I was at work  XXXX  medical students in my home state of Illinois during the thefts from my account. All they would need to do is to look at the tapes of the theft to know who is involved, which they refuse to do.
Product: Credit card or prepaid card

I have been a loyal Bank of America coustomer I have made several attempts to ask my Bank for a decrease in interest charges since the covid XXXX caused a shut down it seems every bank and credit card company car insurance and utility company has increased there rates I am not behind in my payments the Bank made a mistake and charged me a late fee but removed it once I called to correct the mistake it seems that was done so the bank could deny me of a rate decrease after speaking to a bank representatives because i have credit cards i pay through my checking account the bank sees the money going in and out of my account. They offered me to transfer my balance on the other credit card I have with another bank to one of there cards that has a higher interest rate. And would again put me in a credit card trap and i will not be able to pay this Credit off the agent said I see you have another card then he said I could refinance my home to get the equity out to pay them back in full but that's not going to help me but only make my mortgage higher and make it difficult if not impossible to pay that back. And loose my home plus all the other bills I have there forbearance for covid 19 relief hardship assistance that is offered would put me in a credit card trap that i wont be able to pay the interest rate that again is higher and seems to be a tactic the bank is using to get me to either keep paying the high interest rate and not watch my balance go down so they request more of a minimum payment and I am struggling to pay that because every other bill i have has gone up since Covid and the lockdown They are calculating the money im paying the other bank and there doing exactly the same thing the bank of America agent i spoke with hung up the phone on me after becoming combative with me and being rude and talking over me.I want to remove my accounts from Bank of America. I can not feed my XXXX child and I can not afford the high interest the bank keeps going up on me when we are all struggling from Covid 19 to recover one bank agent said they can lower the interest rate another says they can not and offered things that can put me bankruptcy or loose my home I am not asking to dismiss the payments I am trying not to file bankruptcy because then neither credit card gets paid.These increases have happened since the country went on lock down Im asking them to be fare to the customers that are paying we can not make up for the ones who are not able to pay anything to there credit cards at all
Product: Debt collection

They garnished XXXX from my checks and i only owed XXXX XXXX something. Portfolio Recovery is the company
Product: Credit reporting, credit repair services, or other personal consumer reports

iam a consumer pursuant to 15 1692, I submitted documents relating to the accounts listed on my credit report to be deleted and blocked under the FCRA, Transunion, XXXX   and XXXX has violated under 15 16810 for negligence and non compliance,15 1681s ( A ) responsibility of furnishers to consumer reporting agencies.Pursuant to 1681i ( a ) ( b ) ( c ) 5 ( b ) ( i ) certification of accuracy of information ( ii ) notice to consumer ( iii ) 7
Product: Mortgage

They gave me the runaround, provided me with false information and neglected to give is information. Did not make notes in the account that we didn't want a short sale etc
Product: Credit reporting or other personal consumer reports

I would like to dispute the following accounts on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan, title loan, or personal loan

I received my order damaged and tried to resolved it with merchant. Merchant was radio silent. I disputed the purchase with Affirm and despite having evidence that I was being ignored, they denied my dispute. I am not happy with that result since the item I received was not as described.
Product: Debt collection

On XXXX, I received notification from a credit reporting agency that a derogatory account was reported by HARRIS & HARRIS for {$200.00}. The original creditor was said to be XXXX XXXX XXXX. I have never received written notification from Harris & Harris nor knowingly received a service or bill from said creditor. I have no prior knowledge of this alleged debt. Furthermore, last year I began receiving repeated calls from a number I now know to be Harris & Harris. They repeatedly and continuously called at all hours of the night and on holidays. On the occasion that I would answer, the caller or automated system would immediately hang up.
Product: Mortgage

I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX XXXX XXXXXXXX please remove fraudulent/ unauthorized inquiry off my report or provide proof in writing within 30days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND COMPLAINT. I received no response to the original.
My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it.
I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it.
This would be a very good issue to publish as it details the problems with information getting mixed up on family files.
Product: Credit card

To remove hard inquiries from my credit report XXXX XXXX XX/XX/scrub> XXXX XXXX XXXX XXXX XXXXXX/XX/year>, AND XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am encountering difficulties accessing my Robinhood account after 1 ) changing my last name and 2 ) having a new phone number.

When I try to sign into my account, I am prompted to confirm my identity through an ID scan. However, when I upload my ID with my new last name, the application deems it invalid. 

When I try to use the " Forgot my Password '' feature, it requires me to confirm via text sent to my previous phone number, which I no longer have access to. 

I've been in contact with Robinhood for over a week, communicating with different representatives each time. However, despite multiple attempts to resolve the issue, I've been met with circular responses : 1 ) to click on a link, which I can not access because of issue mentioned above 2 ) ask me to provide my new last name. 
3 ) ask me to upload a new id with a court ordered name change. 

D

espite completing these tasks, Robinhood would claim there was insufficient or incorrect information on my submissions, leading me back to one of those 3 responses listed above. This cycle has persisted, leaving me unable to access a significant amount of money in my account. As my family is on the brink of closing on a house, this money is urgently needed. Despite Robinhood 's offer to call, I've never received any calls. 

I am happy to cooperate and provide any additional information or verification methods necessary to resolve this issue.
Product: Vehicle loan or lease

I purchased a XXXXXXXX XXXX XXXX through a used car lot called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. The loan was serviced through Credit Acceptance. The owner of the XXXX XXXX XXXX XXXX fraudulent promised me a XXXX XXXXXXXX XXXX and the terms of that loan were already discussed when she claimed the car needed to be cleaned and repaired in which she had me driving a loaner XXXX XXXXXXXX XXXX which is the car I have now. XXXX dollars was put down as the down payment plus another XXXX to guarantee me getting the XXXX XXXX XXXX. She sold the car to someone else and left me with the XXXX. The terms of the loan are outrageous and not even close to the amount we discussed. She emails me all the time asking for more money and her business has since closed.
Product: Debt collection

I received a bill on XX/XX/2019 for the amount of XXXX cents from a debt collection company called " Convergent Outsourcing, INC. '' I am not aware of any charges that I owe. XXXX states the creditor is " XXXX XXXX '' I tried calling the company to dispute this, but it asked me to enter the last XXXX digits of my social security. I hung up because it sounded sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX inquiry on XX/XX/XXXX XXXX XXXX XXXX card services inquiry on XX/XX/XXXX Regions bank inquiry on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my credit report that is a result of identity theft. I did not provide written consent or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this harmful information be blocked and deleted. The identified transactions are not information related to any transaction by me as the consumer.
Product: Credit card or prepaid card

On XX/XX/2021, I found an unauthorized charged from XXXX XXXX totaling {$19.00} from my deactivated American Express Serve XXXX XXXX XXXX. 
On XX/XX/2021 I opened multiple dispute cases for 37 charges totaling {$4300.00} as I informed American Express Serve, I did not authorize them which includes the unauthorized charged from XXXX XXXX on XX/XX/2021 totaling {$19.00}. I also asked American Express Serve to deactivated my card ending on that same day. The reason I asked them to deactivate my old card is to stop the on-going unauthorized charges. 

However, not only American Express Serve have declined my dispute 3 times already for the 37 charges totaling {$4300.00} without any explanations, but also they still allow the same merchant I have disputed before did another unauthorized charge on my deactivated card. When I contacted American Express Serve on XX/XX/2021 regarding how to stop XXXX XXXX charge from me on my deactivated card, one of their agents told me they have no way to stop that except closing the account or I have to contact XXXX XXXX by myself. How is that possible? I requested to talk to the supervisor, their agent told me the supervisor would tell me the same thing. That is ridiculous. 

I have confirmed the suspect who made all the transactions without my authority and also provided the evidence showing the suspect made a transaction on XXXX  using my card without my authorization to American Express Serve. They still declined my dispute.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I used PayPal to purchase two XXXX baskets for my pool. When I received them, they did not fit. I followed return instructions to receive a refund. 

I did not receive any refund until I sent an email inquiry and then I received a partial refund on XXXX XXXX. 

I sent two additional email queries, which were unanswered. 

I then filed a dispute with PayPal, which issued a conditional refund of {$10.00}, the amount I am seeking but has twice given me conflicting information about why they were ruling against me in the dispute. 

I want the conditional refund to become permanant and I want to end this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$88.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$860.00}. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX account XXXX XXXX. 

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 consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make consumer report containing any of the following items of information. Any adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

These items are having a negative affect on my credit report and are preventing me from getting a equity loan to consolidate my debt.

thank you for you assistance in these matters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXXXXXX Balance : {$280.00}, XXXX XXXX XXXXXXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX XXXX XXXX : {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Wf/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.
Product: Debt collection

XXXX XXXX XXXX XXXX {$55.00} This debt reporting on my credit report is not valid.