23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I contacted Comenity bank in regards to my XXXX Credit card. I had tried last month to set the account up on bill pay through my bank. I called them to get the correct information to set the account up. I was told that the information on the statement was the correct billing address. My bank could not find the information given for electronic payments and said they would have to send it out by check. A check was sent to Comenity Bank for XXXX in the amount of {$44000.00} through my bill pay account. The bill amount was {$440.00} ; obviously I set the payment up for the incorrect amount, I would just leave a XXXX cent balance, as I pay my credit cards in full when I use them. The back of the check was stamped by Comenity but it does not have a date on the stamp. I received a new statement this month, the statement shows that still showed my amount due from previous statement plus new charges, along with late fees and interest. I called the bank to speak to someone about the problem, I got a customer service rep that agreed to waive the late fees., but would not waive the interest on the {$440.00} I told them I am willing to pay the interest on the XXXX cents, but the extenuation circumstances surrounding their bill pay system was the reason the payment did not reach them in time. I was told that they would waive it this tiime but If I have another late payment they woiuld add this one back along with a new one, but they could not adjust the interest. I tried to explain to him there is no way@ 33.24 % should I be charged XXXX on XXXX cents. I was on the phone with the customer service department for over 30 minutes and pushed from person to person and I was told by everyone that I spoke with that they do not waive interest. I did not ask them to waive the interest, I suggested that they charge me the interest on the XXXX cents since it was not included with my payment, but they charged me interest on the {$440.00} plus my current charges of {$32.00}, which are not due yet. According to my statement Balance subject to interest rate {$480.00}. Which means they charged interest before my next due date. I'm a little confused!! I am sure that if this company has a policy that they don't refund interest that is not due them, I'm not the only person this has happened. it might be on {$13.00}, but it should be in my account not theirs.
Product: Money transfer, virtual currency, or money service

RE : Case Number : XXXX XXXX XXXX ref : XXXX : ref On Monday, XX/XX/2023, I cashed out {$300.00} to my XXXX XXXX  ending in XXXX. ( See Attached Exhibit A ) This XXXX is linked as a Debit Card to my Checking Account at XXXXXXXX XXXX ( Account ending in XXXX ). I pointed this out to customer support and they wanted me to contact XXXX XXXX XXXX XXXX. XXXX claims that they gave XXXX XXXX XXXX XXXX a deposit amount of {$290.00} and that I should contact them to get my money back. 
Support claimed that they would investigate. I gave Support all of the above information as requested including information demonstrating that I had previously cashed out {$100.00} at XXXX am on XX/XX/2023, to my XXXX ending in XXXX ( Exhibit B ) and said funds appeared immediately in my Checking Account ending in XXXX at XXXX XXXX in XXXX, NJ. ( See Exhibits C and D ) Later Support claimed that [ b ] ased on the information available, it appears the funds were dispensed properly and no error occurred with this transaction. As a result [ my ] dispute has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and Names that are not mine andXXXX late payments and XXXX charge off account that are not correct, a letter is enclosed that explains everything
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered your company issued late payments on my credit report for XX/XX/XXXX. 

At the time I was living at : XXXX XXXX XXXX # XXXX XXXX XXXXXXXX CA XXXX and the State of California issued mandatory stay at home orders starting XX/XX/XXXX. These mandatory stay at home orders were in effect until XX/XX/XXXX. 

I am seeking to have these late payments completely removed from my credit profile due to government mandated lockdowns and it affecting my income as a result. 

You will notice I still have this car loan, have made all payments on time before and after, and will continue to do so. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this matter.
Product: Bank account or service

I received an email from my bank stating that there had been suspicious activity with my account. I took a look at my account online and it turned out that someone had charged over {$900.00} at a XXXX halfway across the country. Another attempt had been made to withdraw {$400.00} from an ATM using the same account that had been denied in the same general area of the initial charge. I immediately reached out to my bank and let them know that they were correct and the charges were fraudulent. I filed a fraud claim and decided to take a closer look at my accounts. Upon closer inspection, I came to realize that there had been a few lesser charges ( & lt ; {$5.00} ) on the account that I had not caught. I informed my bank of these lesser charges in good faith, under the impression that any additional information I could provide would give them a better chance of catching the individual that was committing fraud with my account. The bank initially provided my account with a credit to cover the money that had fraudulently taken from my account while they investigated. However, they have rejected my claim under the pretense that since I had not caught the smaller transactions and made them aware sooner, I was liable for any additional fraudulent charges. At this point I am out over {$900.00} with little to no recourse that I am aware of.
Product: Credit reporting or other personal consumer reports

In congestion to the Fair Credit Reporting Act. A break down of accounts below has violated my Federally Protected Consumer Rights to privacy, Confidentiality under 15 USC 1681. e ( b ) Account : XXXX XXXX XXXX/Account Number : XXXX Account : XXXX XXXX/Account Number : XXXX Account : Seccredit/ Account Number : XXXX Account : XXXX XXXXAccount Number : XXXX 15 USC 1681 section 602 A States I have the right of privacy .

15USC 1681 Section 604 A Section 2 : States consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I initially called Chrysler Capital over a month ago about my loan being paid off. On every car statement I have received from Chrysler Capital shows a 'maturity date ' of XX/XX/2019. Chrysler Capital sent me a letter stating that my account was paid in full on XX/XX/2019, but they had placed a 'late payment ' notification on the primary borrower 's credit report. I called to dispute, as all the information I had on this showed this was an error. I called and spoke to XXXX first where she said that she would escalate the situation because she could not find a reason for that 'late payment ' to show up on the primary borrower 's credit report, she also advised that I had a refund that I was supposed to get as well, for {$220.00} as there was an overage and that I had not received my title either. Her supervisor reviewed my account while I was on the phone with her and the supervisor stated that it was a reporting error. I was also advised to call 'XXXX XXXX ' for my refund, but 'XXXX XXXX ' couldn't find me when I called, so I called back into Chrysler Capital to see what was going on with my account and then this issue was escalated after I spoke to a supervisor. She assured me that someone would call me on Monday XX/XX/19. Someone did call me, but she was extremely argumentative and promised she would look into the issue, review the recorded calls, and then she would follow up with me. Shockingly, she never followed up. I then called back in a day or so later and spoke with XXXX. XXXX assured me that this would be fixable and from what he saw on my account it was a reporting issue. He never followed up with me ... we are at about a week and a half of me working on these issues. No one has ever followed up with me, regardless of the multiple promises, I have been the one to call every other day for an update. As someone who has worked in the 'XXXX   XXXX ' department for another company, Chrysler Capital 's 'escalation ' process reeks of unprofessionalism. Yesterday, XX/XX/2019, I finally received a response from XXXX via the phone and now my, as I am the co-borrower on the loan, credit report has been updated by them to show the 'late payment ' now that I brought their error to their attention. They did this two months after Chrysler Capital told me my account was paid off and closed now. The resolution I am looking for, is for Chrysler Capital to remove the negative marks for the 'late payment ' on the primary borrower and co-borrower 's credit reports, due in large part to the conflicting information and previous promises by their management and 'executive complaint ' department, as well as get my refund. The only part of this escalation that has been resolved is that I have received my title.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  the following account names and numbers have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Try fixing this problem. But Equifax insisted. I have no contract to these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, I noticed several inaccurate, fraudulent, erroneous, and false entries on my Equifax, XXXX, and XXXX  credit reports. I have made direct disputes with the creditors, but with no success. I have notified the credit bureaus directly and requested for the items to be removed. All three bureaus have failed to act within the time frame the law allows. At the present time, each bureau is in clear violation of the laws of the United States, and specifically the Fair Credit Reporting Act. I wish to have the fraudulent items removed from my credit reports, immediately. In the event the items are not removed I intend to initiate a small claims lawsuit as well as lodging criminal charges against the credit bureaus.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted USAA several times to let them know that there is a glitch in their system that is reporting the wrong location for zip code XXXX. Zip code XXXX is for a XXXX, however their system is reporting it as XXXX FL. they reported this information in my credit report and now my XXXX  account s locked. I spoke to the banking area and they tell me that I need website support I speak to website support and I am told that banking needs to fix it. they don't seem to understand that there is a glitch in the system that makes zip code XXXX appear to be in Florida, see my attachments to see what USAA is reporting and neglecting to fix. When I attempted to open a new account the incorrect address appeared in my USAA account. When I generate a direct deposit slip the incorrect address populated in to my direct deposit form. when traveling the USAA app shows that my home location is in FL. This is incorrect and USAA is reporting my address as in Florida and they are not willing to do anything to fix it. See attached USPS zip code look up that confirms that ZIP XXXX is not in FL.
Product: Money transfer, virtual currency, or money service

Was {$40.00}. It was a few months ago. Cash app doesn't save transactions that were accepted by someone else
Product: Debt collection

THIS IS MY 2ND REQUEST TO HEAD MERCANTILE CO INC about a alleged debt of XXXX that i don't owe. my first response was XX/XX/2021 in which they didn't respond and this was my last request about this inaccurate item on XX/XX/2021, which they has not answered.they have violated 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. As well as 15 usc 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

After three attempts, the last being XXXX, Experian refuses to remove reference on XXXX XXXX XXXX XXXX  account to Chapter XXXX filed over seven years ago.
Product: Mortgage

Dear Sir/Madam : I do have a current ( Pending Complaint ), CFPB # XXXX, against Select Portfolio Servicing , Inc., ( SPS Inc. ) that I desire to have dropped by CPFB. That complaint is/has been on-going since XX/XX/. 

I have now asked the Bankruptcy Attorney ( XXXX XXXX XXXX ), to handle any further issues involving the home/mortgage in dispute, that was Abandoned/Turned back into XXXX XXXX XXXX, in XX/XX/, and that IRS Form is attached to this request, along with a letter to XXXX XXXX XXXX @ SPS Inc., ( XXXX ) XXXX, Option. # 3. 

The issues are not complex, the home was abandoned in XX/XX/, XXXX XXXX XXXX, sent out an Appraiser in XX/XX/, an On-site Appraisal was done, Joint Photos of the Property were taken, as I had invested a lot of money into getting the home " Move-in Ready '', including Brand New Heat/Air, and the Home keys were turned over to the Appraiser. I contacted Beneficial Financial and XXXX XXXX told me that the home appraised out for more than the remaining Loan balance and that XXXX would cut me a check and issue a XXXX for the difference to me, once the " Deed In Lieu '' was approved, things went downhill from that point, but XXXX XXXX XXXX, did accept the Keys, and change the Locks to the home. 

According to IRS Publication XXXX, Abandonment is considered a Sale or Transfer of Property, either way with me having an Approved Bankruptcy Discharge, I had no Personal Liability, and XXXX XXXX XXXX, assumed Libabiliy for that home. 

Now, SPS Inc, purchased the Property from XXXX XXXX XXXX, and starts to send notice of Requests To Make/Pay Mortgage payments on Property that XXXX took possession on and owns, I promptly notify SPS Inc, that they need to send those notices to Beneficial, and sent them copies of the Bankruptcy Order. 

SPS Inc, continued, therefore I contacted my attorney and had him send the Bankruptcy Order and Schedules to SPS Inc., they still have continued to contact me, and so the attorney is now has the matter.
Product: Credit card

Amazon sublets their store card to Synchrony bank. They promote a 5 % cash back for your orders and sometimes increase offers to higher amounts like 25 % like for a recent specific brand/item. XXXX XXXX smart plug for 25 %. I wanted to track if it was applied to my account but there was no way to look up the rewards history or rewards applied to a specific order. 

It just shows up when it shows up and the amounts in your rewards balance mean nothing if you cant follow the math. 

This is severely lacking the disclosure required by law and the 2009 card act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried two different methods to get unknown/unauthorized hard inquires off of my report by mail XX/XX/2022 and by phone XX/XX/2022. Their phone system is set up where they will not allow callers to speak with a representative to resolve this matter. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We are a military family using a VA loan and entered in a Covid forbearance IN GOOD standing. As long as you entered into the Covid forbearance IN GOOD standing XXXX says it will continue to report it as on time. Since entering into the forbearance we since sold the home. Upon selling the home we paid the amount IN FULL to INCLUDE any deffered interest that accrued while in forbearance. HOWEVER, XXXX has reported the status to the credit agencies as paid more tab 120 days late which caused por credit scores to go down over 70 points. Well have find everything we can to make this right.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report from your service and have found the following items to be in error. All the credit cards below have a XXXX XXXX I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In good standing Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2019 my wife purchased an item from XXXX XXXX XXXX. The purchase price was originally {$27.00} or {$28.00} USD. When the charge finally posted to our credit card, it was a charge for {$99.00} USD. She messaged the place that charged our card, and told them they were committing fraud, and we wanted to CANCEL the product, and be issued a refund. They said it could take up to 15 days. Seeing as how they have already committed fraudulent charges on our account, we weren't taking chances. So I notified Synchrony Bank our credit card issuer of the problem, disputed the charge as FRAUD. Lets fast forward to XX/XX/2019. Synchrony still has to reverse or remove the charges, has told us it will take up to 2 billing cycles to resolve the fraudulent charge, take 2 days to respond to any email, and now I can't see my messages on their website. I have had credit cards in the past, and never have I had such a hassle dealing with a company to get a fraudulent charge removed from my statement. Most places are like ok, sign the affidavit, and its done. I had a card opened and closed with a XXXX USD balance. That was fraud, and it took less than a month for it to be resolved. XXXX is a long ways from XXXX!