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

Synchrony Bank using the Care credit and Discount tire auto card starting charging interest on non-promotion items even though I called in to have the funds I paid reallocated to the non-promotion items. Meaning they have been charging interest when they should not have been. 

I have been waiting since XX/XX/2021 for their XXXX  department to call me and every time they email me regarding the account I state the same thing. 

Synchrony Bank under XXXX automatically pays non-promotion items and the rest of the Synchrony bank should do the same. The customer should not have to wait in hold every month for Synchrony Bank to re-allocate the payments the customer made. So the the customer doesn't get interest charges.
Product: Credit reporting or other personal consumer reports

the following inquiries do not belong to me. 
XXXX XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX
Product: Credit card

In XXXX of XXXX I purchase XXXX roundtrip tickets for a trip to XXXX, XXXX. from XXXX, XXXX  traveling on XX/XX/XXXX. When my wife and I attempted to check in and get boarding passes, the agent informed us that our tickets were labeled " fraud '' and denied us passes. Please see my letter to XXXX titled " A trip from XXXX ''. Being just a few days before XXXX, I had not choice but to purchase XXXX tickets for XXXX to XXXX. I immediately filed a verbal dispute claim with Discover. Discover credited my account for the XXXX charges. Please see Discovers letter of XX/XX/XXXX for dates, amounts and actions. The key to our dispute is that XXXX refused credit because they listed my wife and I as " no shows '' and Discover accepted this explanation and would not challenge XXXX with the evidence that I submitted. The dispute request was then denied and my account was again charged for the XXXX amounts. I then began a series of letters to XXXX, XXXX XXXX XX/XX/XXXX, asking them to reinvestigate my case. Finally of XX/XX/XXXX I received a response from XXXX XXXX offering to assist. Please see her memo. Discover refused to approach XXXX with this new information. On XX/XX/XXXX I again reached out to XXXX and received the response dated XX/XX/XXXX. Discover once again refused to approach XXXX with this new evidence. I feel that Discover has not properly represented my best interest and accepted a " bold face lie '' from XXXX that i was a " no show '', when XXXX has subsequently admitted that I was there. XXXX has dropped the " no show '' argument.
Product: Credit reporting or other personal consumer reports

Transunion, To Whom it may concern, I have been sending dispute after dispute with plenty of evidence attached to more than prove that what I am saying is TRUE and CORRECT! You continue to rubber stamp all my disputes with stating that They all belong to me -VERIFIED. You dont even perform a real investigation, ever, just replicating your responses over and over. I have filed a Lawsuit in the Federal court system Case No. XXXX XXXX XXXX in The XXXX XXXX XXXX Illinois. I am asking YOU for the very LAST time for you to delete all of the FRAUDULENT accounts that are being reported on my Transunion credit report. Please delete ALL of the Following : XXXX ) XXXX XXXX XXXX {$6700.00} XXXX.
Product: Credit reporting or other personal consumer reports

Account name XXXX XXXX account # XXXX has violated my right This been paid in full and put 2 late payments on my credit report.

15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions
Product: Debt collection

I can not even begin to describe my nightmare experience with this company. After repeated attempts to validate my debt and merely ask questions about the amount ( for example, my card had a $ XXXX limit ; why do I owe more than {$5600.00}? ), I have never received anything from them detailing this information. 
When this suit was initially filed, I was working with a Debt Consolidation company ( XXXX XXXX XXXX  ) and was represented by XXXX XXXX XXXX, who responded on my behalf ( In fact, I contacted Zwicker several times and was told they could NOT speak with me ). I have emails from XXXX XXXX detailing their negotiations with Zwicker ; I emailed them detailed information about my situation, why the account went behind, inability to pay, etc. yet when I had to go to court for this upon being SUED, they LIED and said they NEVER heard from me- a bold lie ; in court! 
To make matters worse, I lost my job the same month I was served with this " lawsuit '', which is a tragic waste of taxpayer time, dollars, and has taken a significant toll on my health. 
Now, after becoming re-employed and getting one singular check, I called Zwicker ready to pay and make this go away- EVEN THOUGH they have still not validated the debt per my request. I even made two small payments in good faith to them, when I had NO INCOME. I spent hours speaking with the settlement team only to be lied to, manipulated and refused. Each rep had a different " policy '', " lowest amount '' etc. they could offer. Just more continuous lies and deceitful practices. One rep abruptly said " why didn't get get a job and pay this? '' I informed her that I did and am also a full time college student raising XXXX children, she said " yeah nobody wants to flip burgers at XXXX XXXX XXXX but there are lots of things out there to do '' and finally, " couldn't you take a semester off and get a job to pay for this? '' Oh and like many others have reported, they urged me to get a loan, or ask family and friends for money, and that my credit will be ruined from the judgement. Thankfully, their calls are monitored and recorded according to an associate attorney, and will hopefully be made available as I believe they are in numerous violations of consumer protection policies. 
The worst part is I have made it explicitly clear from DAY ONE that I want to settle this. Why do they take people in vulnerable situations, shame them, drag them through court and so on? Just for the hope of getting more money? 
It's sickening. As hard as this year has been for me and so many others, my heart breaks for these people who would be so unethical in their pursuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple requests to have inaccurate data removed from my credit report. I feel as if the credit bureaus is blatantly ignoring my request and doing a false investigation. I have submitted multiple written request and nothing is being done by XXXX Transunion or XXXX. According to the FCRA section 611 paragraph 7 I have the right to demand a description of the investigation and all credit bureaus have refused me that right. I have disputed inaccurate items and yet the credit bureaus have said these items belong to me without providing proof. My Identity has been compromised reports have been provided to the credit bureaus along with a picture ID from me so they are well advised as to what is going on. I am sick and tired of this inaccurate information being reported about me that is not TRUE. I am asking that cfpb steps in and ensure that the credit bureaus does what's is right under the law.
Product: Credit reporting or other personal consumer reports

Recently I pulled my credit report and found two ( 2 ) items on there to be inaccurate.According to fair credit Reporting Act, section 611 ( 5 ) ( A ) and Under 15 U.S code 1666B, Any billing errors, inaccurate information, and incorrect information must be completely deleted of which can not be verified by FCRA. 
The names of the Accounts as follows : XXXX XXXX and XXXX XXXX. XXXX  said I was 30days late, of which is inaccurate information, i didnt get any bill from them telling me I owing such and such .Tt also my understanding that the FCRA15 U.S.C 16811 , say that every single one, even each any or all of the unproven, Non - compliance, untrue, Errors, incorrect aspect of any alleged derogatory account, must be completely deleted, or otherwise, NOT proven, untimely, incorrect not my responsibility.and I sk them to furnish me documents and proof that the alleged late payment, and they didnt do any investigation.and I told if unable to provide me, they should update my account to never late .there was no 14 days notice of late payment latters sent to out to me buy both companies on the accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate XXXX XXXX XXXX XXXXXXXX XXXX {$10000.00} XX/XX/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, 1681section 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 instructions. 15 U.S.C 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. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I attempted to get a credit card in my name with my husband as an authorized user. I was attempting to secure credit in my name as should my husband die before I do, I will have my current credit cards as an authorized user cancelled with his and I will have no credit cards. I contacted EQUIFAX, XXXX and XXXX in XX/XX/XXXX and confirmed the status of my credit situation. I removed a credit freeze ( on all reporting agencies ) on XX/XX/XXXX and a fraud alert placed 7 years ago with EQUIFAX ( Ticket # 's : XXXX and expedited, XXXX ) had an invalid phone number, which denied my ability to get a credit card from XXXX XXXX. Both XXXX and XXXX were able to confirm the correct information, however EQUIFAX needed proof of name, addresses, social security, date of birth, all sent certified mail with a cover letter XX/XX/XXXX. We received the results of EQUIFAX 's ( RE ) investigation on XX/XX/XXXX. XXXX, Confirmation # : XXXX, which showed a correct current address, but a mysterious phone number, date of birth and current residence timeline. EQUIFAX is also asking for a copy of my driver 's license or birth certificate to update my date of birth now. XXXX FICO score has dropped from XXXX to XXXX, and I still can apply for credit.
Product: Mortgage

Good afternoon, i am 3 months behind on my mortgage. i called to set up auto draft payment to come out of my account so that it may be auto payed and i do not have to fall behind in the future, i have called this mortgage company in the past provided routing and account number. i called today ay XXXXXXXX XXXX  they told me i can not call and provide routing and account number or set up auto pay. I demand to speak to speak to someone regarding this matter. how can i get my loan current if they refuse autopay my ach has never been rejected. i am a law student in an internship i am paid XXXX and XXXX i have called and completed this before on a recorded line. this company seems fraudulent and shady they stated they never take numbers over the phone however i have proof of past auto drafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies. 
This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation that is binding me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. 13401. 
APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( XXXX ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 
I require compliance with the terms and conditions of this letter within ten ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. 
In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on your HIPAA violations and appropriate County, State & FederaXXXX authorities, the CFPB, XXXX and XXXX XXXX  associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.
Product: Money transfer, virtual currency, or money service

I have had my cash app a point for some time now and they closed my account once, I reached out to report them and they gave me my money back. Now they have closed it again and I have no way of transferring my money to my bank account. I own a business and this money is now being taken from me during these hard times of the pandemic. I have tried numerous times to e mail them and they say they cant give me my funds. Please help
Product: Debt collection

On XX/XX/XXXX  I received notice from my bank via text that someone was trying to change the password to access my account. I logged into my account to see that funds had been moved from my credit card ( linked to my checking account ). I contacted my bank who guided me to change my passwords to my accounts and to visit XXXX XXXX to have my device scanned for any malware. All actions were complete. 

On Monday, XX/XX/XXXX three withdrawals had been made from my checking account with the transaction title being : " AUTOMATIC WITHDRAWL, XXXX XXXX XXXX XXXX ( XXXX ) '' the charges were : {$1000.00}, {$1000.00}, & {$510.00}. 

That day I went to my bank. It was discovered to be fraudulent charges. I closed that account and opened a new one. The charges were reversed by my Credit Union. 

Three letters Received Dated XX/XX/2023 from TRS recovery services ( sm ). 
Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Letter XXXX : Reference Number XXXX for a balance of {$510.00} Letter XXXX : Reference Number XXXX for a balance of {$1000.00} Phone calls received XX/XX/XXXX & XX/XX/XXXX seeking collection. 

I notified my Credit Union of these notifications seeking guidance. They told me not to engage with the collection agency, TRS, and to report this as fraud.
Product: Checking or savings account

A paymet of {$500.00} was made from my BOA savings account to XXXX XXXX XXXX Credit card. Unfortunately, the XXXX XXXX XXXX XXXX account ( # XXXX ) was closed multiple years ago. I have tried to contact XXXX XXXX XXXX and they are not able to pull up my account because it was closed years ago. BOA Bill Pay has been requested to work with XXXX XXXX XXXX to have the fund reversed. I was provided Case ID XXXX. BOA has contact XXXX XXXX XXXX however the issue has not been resolved after multiple weeks.
Product: Credit reporting

XXXX reported a late payment in 2009. I did not make any late payments whatsoever in this or any other account. I complained about this previously and I am sure it was removed at one point. Regardless XXXX has NEVER given proof that this was ever late on the account In this dispute with Equifax they also mentioned no information from the creditor yet negative info ( code XXXX ) remains on the account. 

This is ridiculous. No proof from XXXX ever about this and it needs to be taken off. Separate complaint against XXXX forthcoming.
Product: Checking or savings account

I opened a citi checking account online on XX/XX/2022 after receiving a promotion letter from Citibank. The promotion letter stated that I would earn {$200.00} to {$2000.00} cash bonus if I deposited {$10000.00} to {$300000.00} to the account within 20 days of account opening. By XX/XX/2022, I had successfully deposited {$11000.00} into the account through bank to bank transfers from my accounts with XXXX and XXXX. However, on XX/XX/2022 I was informed by email from Citibank that my account would automatically close within 60 days. I called Citibank 's fraud department for the reason but the representative could not provide any. I visited the local branch of Citibank near my home several times to seek help but the banker over there could not help much either. The banker checked my XXXX bank statement showing the record of fund transfers and also sent it to the Citibank 's fraud department. Up to today ( XX/XX/2022 ), my {$11000.00} is still being held by Citibank.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the customer financial protection act ( CFPA ). Specifically, cashapp failed to take timely and effective measures to prevent 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 Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

On XXXX XXXX XXXX, woke up to a shock to find my credit score had plummeted XXXX points due to an account closure of my {$1800.00} Forever 21 Comenity Bank credit card account which I did not request. I have always maintained my account and even had a zero balance. I received a credit increase in XX/XX/scrub>XXXX XXXX due to my diligence. I am unable to call Comenity as my call is dropped as soon as I enter my SSN. I called the new parent company Bread Financials fraud department and was told about the recent account migrations and multiple subsequent card closures of Comenity legacy accounts. I was also told my account had been inactive. I asked why I wasnt somehow notified it might be closed as is required under the CARD act and she did not know. She did call Comenity with me on the line and attempted to research this. I know that the consumer has a right to know of impending account closures for inactivity or for company charges. I have worked hard to raise my credit for this to happen. I want my account reinstated but its impossible to speak to anyone directly at Comenity Bank/Bread Financial .
Product: Credit card or prepaid card

Hello my name is XXXX XXXX my ss is XXXX and my complaint is back in XX/XX/20 I was XXXX with XXXX  XXXX and during my recovery I noticed many unauthorized atm withdrawals and purchases, I believe {$8400.00} was stolen from my account, well after I reported to bank of america , 15 days later I received a letter saying my case was closed, several times I called and had my claim reopened and today it's still pending and still i have not got any information or have I got my money returned
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to place a security freeze through Equifax 's security breach site. After entering the required information and submitting the request, all I got was a page stating " System Currently Unavailable - 500 Error ''. The last time I tried, it seemed the request might have gone through but then another error page came up. As of Friday afternoon, XXXX XXXX, whenever I try to submit the freeze request I am presented with a page titled " Place, Temporarily Lift, Replacement Pin or Permanently Remove a Security Freeze ''. It appears that the freeze was placed, however I was never offered and have not received a PIN. 

Per Equifax 's own site at www.equifaxsecurity2017.com : " Equifax does not currently email or mail the individual 10-digit PIN to consumers. It is available on the screen, and the consumer is asked to print the PIN from the screen. Our technology team is aware of some limited situations in which consumers are unable to view their PINs. We have identified that this is caused by their browser settings. We are working on a fix for this issue. In the meantime, we are displaying a phone number that consumers may call to receive a PIN. '' Unfortunately I can find no such phone number and when I called the dedicated number set up for this breach the Equifax employee had neither knowledge of the PIN problem nor any suggestions as to a solution. There appears to be no way of getting a PIN short of sending a written request and paying a fee for a new one. XXXX and XXXX had no difficulties in providing me with a PIN despite my browser settings. 

Additionally, when I check my account at Equifax I can find nothing to indicate whether a security freeze is in place, where I might get my PIN, or indeed much of anything beyond links to for-pay services that Equifax is trying to flog.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report.

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XXXX XXXX XXXX Open Date XX/XX/2020 Balance : {$10000.00}
Product: Debt collection

GC SERVICES has wrongfully hurt my credit score with a debt of 154.00 dollars. The debt on there is not mine and i need it fixed NOW!