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

My wife and I recently purchased a home which is in need of some repairs so I decided to attempt to open a Lowe 's credit card. 

At the time of initial application, I was told that Synchrony Bank needed more information and that I could either call or wait for a letter. I have pretty good credit so I was a bit surprised, but in any case I waited for the letter in hopes that it would explain what information they were looking for. 

The letter arrived had no background information other than I needed to call Synchrony in order to resolve the issue. I called Synchrony, was passed to a second customer service representative who relayed that I would be getting an email in the next 10-15 minute where I would need to provide a response. She said that I need not wait on the line. That email never showed up. 

A few days later, I again called Synchrony and eventually made it to a customer service representative who asked me to confirm my address. I did, and also relayed that I had very recently moved which was the reason for the Lowe 's card. 

I inquired if this resolved the issue and the customer service representative 's only response was that she had done her part and it was up the automated system. 

I received an email letter that my application was declined because they are unable to confirm my identity. There was zero due diligence on Synchrony Bank 's behalf to resolve this issue.
Product: Checking or savings account

Compass bank XXXX  XXXX XXXX, r h XXXX XXXX. employee XXXX assaulted me physically and mentally and said threatening things to me and invited me to step outside but locked the door and held the door locked while giving me the middle finger in front of him while making threatening gestures, this is very unprofessional, and criminal behavior and needs to be punished because of the way he did me! I am very angry that the compass bank would not be accountable and hold XXXX responsible for this criminal act, I will not be pushed aside and have to escalate this to issue again and request a penalty for the behavior of XXXX, I am also still seeking the interest that the Bank owes me due to XXXX XXXX error in not informing me of the interest change and causing me to lose my earned interest, she promised to let me know if the rate changed so I could make a adjustment in my account. She is responsible for this loss, and the compass Bank has to be accountable, sincerely, XXXX XXXX XXXX, Arizona
Product: Money transfer, virtual currency, or money service

Hi I have concerns about my bank of America checking account. I have been a long time customer with Bank of America. I have been charged a monthly fee of XXXX $ every month. If you have direct deposit, there is no fee charged. I read this online back in XXXX of this year. Naturally I went to the bank the next day. The Bank of America Branch located in XXXX, Ma on XXXX XXXX. XX/XX/XXXX, I explained my situation, I was told I have an old checking account. So I switched to a new one. It's called Core Checking. I explained that I have direct deposit through my Place of employment. I asked how long has this new type of checking account been available. I was told it's been available for 3 years. So basically Bank of America has been charging me XXXX $ every month even if I have direct deposit. The only refund I have received was XXXX dollars. That is unacceptable!! Point blank I never received any information any communication what so ever. I'm entitled to a refund. Not to mention I have contacted the XXXX. They can not help me, they referred me to the CFPB. Can you please help me out with this problem?? Thank you. XXXX XXXX XXXX XXXX
Product: Debt collection

I was a tenant at XXXX XXXX XXXX and disputed the summary closing move out account. 
So when I receive the collection debt from National Credit System I wrote a letter requesting to provide me with the verification of the debt. 
Not to report the debt to the credit bureau until the matter is resolved. 
I receive the collection letter on XXXX XXXX disputed by certified on XXXX XXXX tracking number XXXX XXXX XXXX XXXX XXXX National Credit System continue to call me twice after I ask to cease all call that I was disputing the debt they did not respond to letter, this occurred in early XXXX and XXXX XXXX I actually called back and asked for a supervisor because I was hung up on. 
Nothing was resolved. 
Ultimately I disputed the debt on my credit report. 
I receive a letter from the law office of XXXX, XXXX, XXXX And XXXX stating that they were hired to collect XXXX. I disputed that. On XXXX XXXX The law office wrote back noting my dispute stating that that the firm was not collecting the {$990.00} of the lease termination fee and it was removed from the balance. ( therefore is the reason for the dispute among other charges.
Product: Credit card

I have submitted multiple Disputes regarding charges resulted from Identity Theft. Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. 
Therefore, we are closing your fraud claim until we receive sufficient information. '' 1st : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report XXXX American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation XXXXay include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 2nd : American Express Stated : We have been unable to contact you. that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 3rd : I Called American Express XXXX XXXX XXXX XXXX 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence.
Product: Debt collection

This was an account that was t XXXX XXXX, and appear that it was sold to Santander Bank, when I filed a Chapter XXXX Bankruptcy, they tried to collect a balance that was fraudulently as this was paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two alleged derogatory collections on my Transunion and XXXX consumer reports from XXXX XXXX Finance for {$13000.00} and XXXX XXXX Services for {$5900.00}. These are not on my XXXX consumer report, and they should not be allowed on my Transunion or XXXX consumer reports. I did not give XXXX permission to place these two alleged collections on my consumer reports, and by law, they have to ask the consumer for permission. I did not permit them to provide this information to my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a reponse to the letter that was written to me... 

So you guys listen to the phone call and didn't hear of any wrong doing or treating me with my credit report? 

So are your reporting accurate now? 

How many refi have I had with you? 

How many account have I had opened up with onemain? 

It's way to late to start hiding the hand after you threw the rock... 

Well I want all question answered. And im gon na help you with the phone call... Maybe you missed it... I have it for you ... enclosed is a transcripted of phone call.
Product: Student loan

Hello, My spouse and I claimed a XXXX XXXX Bankruptcy back in XX/XX/2015 and the discharge date was XX/XX/15. 

At the time of filing our lawyer who represented us stated that all student loans can not be XXXX unless a hardship could be approved. We specifically stated that we have private student loans through Navient and the response from the lawyer was the same. When the payments resumed for the private loans it was difficult for us to pay back as we had to go into a payment reduction agreement with Navient. 

Fast forward to now and I've recently learned from visiting the CFPB website that private loans indeed are different than regular federal loans and could be XXXX during a XXXX XXXX Bankruptcy from my understanding. 

I will attach documentation of the discharge papers along with the account numbers of the private student loans being referenced. Please advise on what are our options.
Product: Debt collection

Hunter Wardield Inc has reported a balance of {$2800.00}. Claiming I allegedly owe them this amount. I sent them a validation request letter on XX/XX/2023 ; and they have unfortunately failed to respond whatsoever. I have asked them to remove this alleged debt and they have failed to do so. I can send additional proof showing the delivery receipt of my mailed letter request to this company.
Product: Credit card

I recieved a email about an account that I had no knowledge of, I called the company and had then close the account
Product: Credit card or prepaid card

received a Chime credit card in mail with my name. Never opened the card. 

I called chime at XXXX and had to email them at XXXX to report fraud and close account. Waiting for response
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are all reporting a bankruptcy dated XX/XX/XXXX on my credit. I've disputed this information and they continue to report inaccurately without verifying the information. I included a letter from the courts stating that they do not provide information to credit reporting agencies. I also submitted a letter from XXXX dated XX/XX/XXXX that prevents them from releasing my risk view report or scores. Each of the credit bureaus concluded that the public record items were obtained from local, state and federal courts through a third party vendor, XXXX,
Product: Mortgage

I have been trying for 3 days to get 2 principal payments on a brand new loan, first payment not due until XX/XX/2021, applied to no avail. A {$5000.00} payment sent and received via email on XXXXwas misapplied and they still do not have it corrected after a minimum of XXXX phone calls and XXXX different levels of escalation. A second wire of {$470000.00} sent and received on XX/XX/2021 that they still have sitting in suspense although I have provided them the wire confirmation. They are now telling me an XXXXxecutive escalation manager has to be assigned and they will call me and then begin working on the issue. They will not tell me when it will be resolved and XXXX employee number XXXX refused to give me her manager, stating first she did not have one, then one was not available when I pressed the issue. 

I have been given nothing but a run around while they play with our money. I did inform them we are entitled to inters from that money until it is applies correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an unverified account with equifax and XXXX XXXXr. They have both refused to properly validate the debt which is a violation of the FCRA. This debt is unverified and not mine. I would like for equifax to delete any unverfied debt from my credit report. 

The supposed debt is with XXXX XXXXXXXX for XXXX. There is no contract between me and XXXX XXXXXXXX. This debt is not mine and should be deleted from my credit report. 

Equifax is also report 3 90 day lates when the account has be closed since XXXX. 

This is my final attemp to resolve this issue before I bring in an attorney to rectify it.
Product: Mortgage

Today 's Date : XX/XX/XXXX : XXXX  XXXX : Nationstar aka Mr. Cooper. Type of loan : XXXX XXXX XXXX XXXX. My Covid-19 forbearance started on XX/XX/XXXX and ended on XX/XX/XXXX. On XX/XX/XXXX, Mr. Cooper assigned a dedicated loan specialist to help me through the process of getting back on track. I have never heard from nor am I able to contact this individual. At the end of the forbearance period, Mr. Cooper wanted all the money back instead of putting it to the end of the loan. On XX/XX/XXXX, I applied for a loan modification. On XX/XX/XXXX, Mr. Cooper declined it. On XX/XX/XXXX, I submitted an appeal letter. On XX/XX/XXXX, Mr. Cooper sent a letter admitting to making a mistake and that on XX/XX/XXXX put me back into underwriting for a standard modification and placed it in referral status. On XX/XX/XXXX, I called Mr. Cooper and asked that this get escalated. I was told that it was escalated and someone would call. Nobody, not even my dedicated loan specialist has reached out to me. When I call Mr. Cooper, I get someone different each time ( they will not transfer me to my loan specialist ) and I get told something that is inconsistent with what I was told previously. XX/XX/XXXX, my account is still in underwriting ( since XX/XX/XXXX ) while the amount due continues to increase.
Product: Money transfers

I sell on XXXX, and answered XXXX XXXX, with good commission on sales. They wanted me to sell high endmerchandise like expensive cameras and laptops. The first things I orderedfrom them were turned down by XXXX which should have been enough prooffor me, but I believed their excuse that they system made an error, andtried using paypal with my next order. I felt protected enough by paypalsbuyer protection and my sales person said to send it throughbusiness/services. Well, when it came time to send the money and ship Idid this ( for XXXX ) for XXXX laptops to ship. My salesman got back to meand said paypal put a 21 day hold on the money. He coerced me into sending via XXXX option instead, so he refunded the money to me to send that way ( with no or limited protection ). I was so freaked out that I would have mycustomers wait 21 days before their items shipped that I went ahead andsent him the money this way. It took me XXXX days to get tracking numbers. 
The first tracking number worked, but the other XXXX were invalid. After afew days my first customer received his package, but instead of a XXXX. 
laptop he found a cheap cell phone case. After confronting thesalesperson, he admitted the other XXXX had not been shipped and that '' shipping made a mistake '' with the first order. Ever since he has beenmaking excuses about why he ca n't refund the money. I have recently movedto a new area and XXXX income has been a large part of my income since I amunemployed right now. If I will have to cough up XXXX, I will be livingin the streets, cause I just do n't have the money! The salesman I deltwith is XXXX XXXX, email XXXXXXXXXXXX, andthe pay pal address was XXXXXXXXXXXX. 
Please help me with this. I have email copies and other evidence that mayhelp, please let me know what you need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : JPMCB CARD XXXX Date opened XX/XX/XXXX Balance : {$820.00}
Product: Credit reporting or other personal consumer reports

I noticed that an item was turned into a charge off. I never received a XXXX, the debt is being reported that it was written off as a profit loss, there for the original creditor should have received a tax write off. I am owed a XXXXXXXX XXXX, I am requesting a XXXXXXXX XXXX from your company which was never received. 

Since Everything on my credit report has to be accurate this cause for grounds for DELETION, the way this debt is being reported for your accounting and company is the same your company should be reporting it to my credit report, if not than this is simply inaccurate, reporting to my credit report something different than whats in your books. This account shows it was closed XX/XX/year> after XXXX days but being reported as if it was still open and reporting up to XXXX  days and that the last payment date was XX/XX/year>. The charge off shows it started XX/XX/year>. None of this make sense and I have the right to report the agency for inaccurate investigation and reporting including no XXXX form for a profit loss charge off
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off my Citi Simplicity Card in the amount of {$1600.00}. This was the due date for payment. The representative ( I apologize but do not have her name ) alerted me that the account would be paid in full and have a XXXX balance. She even waived the prior month 's interest charges in the amount of {$19.00}. The payment posted to the account on on XX/XX/XXXX. I was then shocked to receive a bill for {$1.00} for the next cycle - 2 days of interest. I thought this would be an easy fix as I had already paid significant interest, paid off the balance and was told the account was " XXXX XXXX '', but sadly I was told they would not waive {$1.00} even after receiving {$1600.00} as they had waived {$19.00}. While I understand that they contractually can charge this, it seems onerous and spiteful to do so. It defies common sense and is some of the worst customer service I have ever experienced. XXXX XXXX XXXX  XXXX XXXX is not going to have any impact on their bottom line in any way, shape or form. 
As a side note, I have already paid off and closed two other accounts with CitiBank due to similar billing and payment issues. My plan was to close this account as well in order to sever any ties with their business.
Product: Credit card

I use Bank of America 's autopay system for a credit card that I have open with them. I set up autopay years ago on this card. Recently, their Autopay system did not pay my card off because the balance was over a limit that had been set in their Autopay system. I never set any sort of Autopay limit on this card, so this issue is a technical error caused by BoA. When I called BoA about this, they immediately took the interest payments and late fees off of my account, and I paid the actual balance that was owed, but they have been slow moving/have not yet taken the reported late payments off of my credit report. I have been trying to work with them to take back the late payments that they reported to the credit agencies. I submitted my first inquiry with BoA on XX/XX/XXXX and it was denied < XXXX hours later on XX/XX/XXXX with no explanation. So, I submitted a second escalation/inquiry to BoA on XX/XX/XXXX and have not heard back yet. At this point, I consider this a fraudulent situation by BoA. They have already acknowledged that this was an issue from their end and taken off the fees/payments, but are refusing to take the late payments off of my credit reported to the agencies, and therefore are holding my credit score down for an unreasonable amount of time after the issue was reported to them. I have had to spend hours on the phone trying to resolve this. They are not providing a reasonable avenue to resolve this issue, are not providing reasonable documentation, and are not resolving the issue in a timely manner. This is fraud and is unacceptable. Please help me resolve this issue.
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING XXXX  - {$420.00} XXXX XXXX XXXX XXXX- {$470.00} XXXX XXXX XXXX XXXX- {$500.00} Collection XXXX XXXX XXXX - {$1800.00} Collection XXXX XXXX XXXXXXXX - {$290.00} Collection XXXX  - {$12000.00} Charge off XXXX XXXX {$290.00} Charge off
Product: Debt collection

I received an email from a man called XXXX XXXX who works for a debt collection company called True Accord. True Accord is located at XXXX XXXX XXXX, CA XXXX. 
The message claimed that I had purchased a product called XXXX from a company called XXXX XXXX, a skincare company. 
I had no knowledge of XXXX or the product. ON searching the internet I found out that XXXX XXXX is a skin care company. I also discovered that the product I was supposed to have bought was a supplement designed to build muscles! 

I absolutely refute that I purchased any product and especially XXXX called XXXX In XXXX years I have never failed to pay a debt and I have always paid on time. I am puzzled as to how XXXX XXXX came by my information and how it convinced True Accord that I owed them a debt.
Product: Credit card

Today XX/XX/year> I called Concora Credit on behalf of XXXX XXXX. I called because I can not make my payment on the due date that it is due. I recently had XXXX and am on XXXX XXXX XXXX now. My checks will be coming in once a month at the end of the last week of the month. I told the Customer Service Representative if she can change to the last week of the month and she said no. I explained my situation to her. I then said so does this mean late fees will be charged? She said yes ma'am. My checks are only going to be 60 % of my salary now. I have NEVER missed a payment. All am asking is for a change of date. Don't understand as I have other Credit Cards and they were able to work with me.
Product: Student loan

I am using MOHELA as my student loans servicer and have enrolled in the PSLF program. I made all required payments on time and in full for over 10 years qualifying me for loan forgiveness. After submitting the necessary paperwork to have my loans forgiven it took 6 months to hear back, even though I was told 90 days max. After numerous calls to customer service that kept me on hold for hours I was told everything looked acceptable, but they were waiting on the Federal Government to approve it. Today I received notice that I was denied because I needed to make 120 payments, but also that I had already made 130 qualifying payments. Of those 130, 124 were eligible. No further explanation as to why I was denied and can not seem to reach a helpful or knowledgeable representative. It appears I am one of the many many people mislead and mistreated by this servicer and/or program. I work as a qualified employer of the public sector on the XXXX of XXXX, NY XXXX XXXX and have dutifully held up my end of the agreement. It has been over 10 years and I still have to make payments on my loans that should be forgiven. None of these extra payments are reimbursed if I should ever get this program to effectively forgive my loans as promised.