23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

After finishing school and relocating, we became a few months behind on our statements with CareCredit/GE Capital Bank due to unemployment. Ultimately, we were past due over {$500.00}. Once stabilized financially, we contacted them several times to work out a payment plan because paying over {$500.00} was too much for us, but we stated to them several times that we were willing to pay back what we owed in smaller more reasonable amounts. They have refused to help us and insisted that we pay back the past due amount immediately. Even after talking to one of their financing specialists, they still stated they were unable to work with us and only referred us to a credit counseling agency. Until then, they told us they would continue to add late charges and interest for missing payments. We feel this is unfair, we have contacted them several times in attempts to make more manageable payments, while they refuse to assist us and continue to increase our past due amount that we are already having trouble paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX17 XXXX XXXX XXXX XXXX placed a hard inquiry on my XXXX report. I have called the company two different times and was told by two different representatives that XXXX XXXX XXXX is a department that does n't exist. The representatives each told me that it 's nothing that they can do and to call the reporting bureaus. The only credit report it 's showing up on is transunion. I have called transunion numerous times and the representatives are not willing to help either. Transunion is telling me that they do n't dispute inquiries and to call XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe XXXX is definitely a scam artist. I signed up with her for credit repair after watching her XXXX videos. I really thought she knew what she was was doing. I enrolled on XX/XX/XXXX and made faithful on time payments. 

From the start, I was never able to get a hold of her after signing up. I even purchased her XXXX XXXX for additional contact means and still no prompt responses. It wasn't until I canceled the XXXX XXXX that she finally responded. 

She would not send or process my disputes when they were due and when reaching out, I would still receive no response. 

After months of paying, I started to notice I never received and responses from the credit bureaus after her letters were sent. During my time with her, I continued to dispute items on my end, and I received responses to my letters ( inquiries and missing credit information ) ; however, after 3 " dispute rounds allegedly sent by her '' *I have received no response letters.

I finally could not take it any more and decided to cancel. I review my signed contract and followed all the i
nstructions. It has been 2 weeks and I have still not received a response to my cancellation request. I have sent 5 emails, submitted 3 support tickets at her help desk and she refuses to respond.

To add insult to injury, she plead guilty to conspiring with others to sell stolen Social Security Numbers ( SSNs ) over the internet and to providing a false SSN on a loan application in XX/XX/XXXX. She now has my social security information and I am now worried my social security information has been compromised and is no longer safe.
Product: Mortgage

Although all my payments were made including the current month of XX/XX/2021, I was reported as delinquent to the credit Bureau in XXXX, XXXX, XXXX and XXXX. 

I also received a letter dated XX/XX/XXXX, addressing my falling behind in payments and offering help. I made numerous attempts to find out what was the problem, but no one I reached could explain. 
Here are the results of attempts made in the last 7 days : 1. Many representatives left me on hold and eventually their calls was disconnected. 

2. One representative tried to resolve the balance, having me on the line for approximately 1 hour and 10 minutes, and even consulted with a supervisor during that time. He ended up getting disconnected.

3. A nother re
presentative tried to explain the amount due, but said she was going to send it to the " INQUIRY '' group. She asked me to call her back in 2 days and gave me her extension ( XXXX ). Two days later when I tried to reach her, I was told there was no such extension, and calls could not be transferred. 

4. All my request to speak to a supervisor/manager ended up on hold.

5. One request for a manger to call me back ; resulted in no call back.

6 No one was able to provide me with a number to their cooperate office.

One repr
esentative, answered my question, when I asked for a customer relation person, saying " What is that?

I am left with no other option, but to come to you.

In the meanwhile, my credit score and delinque
nt notes have caused a problem with my trying to refinance my home and my records as whole.

I actually found out about all the negative reports when I applied for re-finance.

So for ABSOLUTELY no reason I was treated this way. This company has only been my servicer for less than a year. 

I hope I can get this resolved as soon as possible. Thanks
Product: Mortgage

In XXXX we hired an attorney to handle a loan document problem and he contacted our loan servicer asking for them to sign a document and return that document to him. 
This was for an application for affidavit of affixture. 
We found later that they would not be the party to sign the document and other avenues were pursued to completion. 
Meanwhile the loan servicing company SP servicing, XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX, changed our mailing address for our loan to the attorneys address. 
The letter he sent did not ask for that to be done. 
Our XXXX, 2022 and our 1098 statements all were sent to his address. 
I contacted customer service and spoke to XXXX and she indicated she would change it back. She could not tell me who made that decision to change the address. 
I also sent an email to their ombudsman department and cc 'd our attorney. 
I want this on record that their practices of doing things like this is heavily recorded with the XXXX XXXX XXXX 
When we were first transferred to them for servicing our loan, we sent additional principal and they placed it in a holding account, even though we were not late nor had ever been late. I had to call then as well to get this applied to principal. 
We do not have anything in our loan preventing prepayment of principal. So unless we had outstanding late fees, it should automatically go to that.
Product: Credit reporting or other personal consumer reports

These hard inquiries were on my credit report that I DID NOT apply for. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>. After speaking with Experian they told me to file a report with you.
Product: Credit card or prepaid card

Amazon Prime Membership Fee : I am an Amazon Prime member and my membership fee is auto charged to the same bank credit card each year for the full annual amount. On XX/XX/XXXX this charge was made and Amazon Prime gave me credit for paying my annual fee for the XX/XX/XXXX year. 

Synchrony Financial unauthorized repeating charge : Without any notification on XX/XX/XXXXXX/XX/XXXX Synchrony Financial charged my account {$12.00}. The same charge was repeated on XX/XX/XXXX and XX/XX/XXXX. The charge was described as " Amazon Prime Cons XXXX WA '' 1st COMPLAINT : Synchrony Financial did not describe the charge in a way that, as a consumer, I could understand the reason of the charge. To understand the charge, I invested over an hour and half of difficult communications with multiple people and multiple methods with Synchrony Financial. 

On XX/XX/XXXX, I contacted Synchrony Financial using a number ( XXXX XXXX ) supplied by Synchrony, and after 22 minutes, the conversation was unexpectedly disconnected. This conversation did not resolve the issue and at the time of disconnection the representative had asked me to wait on hold. Until that time the representative explained that I must pay {$12.00} per month, each month, for my Prime Membership and there was no record of any other annual payment. 

2nd COMPLAINT : Synchrony Financial does not use customer representatives capable of researching or understanding simple customer issues. This practice discourages the customer to try to resolve issues that favor of Synchrony Financial or Amazon. 

On XX/XX/XXXX I contacted Synchrony Financial using the Chat service offered. To use this service a customer must first try to resolve a problem with a A. I. system called " XXXX - XX/XX/XXXX. '' This was extremely difficult and could not be altered until the Virtual Assistant gave up on the problem and a real person was offered to the chat. ( See 2nd COMPLAINT ) The chat person was known as XXXX and said that this was a Amazon Prime problem not Synchrony Financial 's. Only after I pressed did he ask for my identification and then asked me to " hold '' until he did some research. After a few minutes of holding, I was disconnected. The complete conversation was not able to be printed, but I was able to print and record the last few seconds when I was asked to hold. 

3rd COMPLAINT : Synchrony Financial 's customer service is so poor it seems to be designed to frustrate the consumer. I can not dispute a future monthly charge. To dispute any charge, for each charge, the customer must : Download a PDF form. 
Fill it out Mail or Fax it as required As compared to other Financial institutions, this process is consumer unfriendly and designed to burden the customer. 

The burden of problem resolution is completely on the consumer and over difficult. This favors the the institution and helps the institution carry on deceptive practices. 

4th COMPLAINT : Charging my account without my permission is a deceptive practice.
Product: Credit card

On XX/XX/23 my credit card information was hacked from a website and was charged {$1900.00}. I did not make this purchase. They stole my account and took the information to make a charge then tried to change my account. I complained to the company and they did nothing. I immediately closed my card. I complained to my credit card. They said they would take care of it because its fraud. They said the company claims I made this purchase so theres nothing they can do. I reopened the case and sent emails from this time showing the suspicious activity on my account and I also sent a letter. They arent helping me at all and are now harassing me asking for my monthly payment. I have nothing on this card except this fraud charge.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against TransUnion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : XXXX Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

XXXX Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but my credit report shows an outdated address. I request that my current address be updated accordingly. 

XXXX XXXX XXXX : My main contact number is XXXX :. I would like this number to be updated. 

XXXX Date of Birth XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT BELONG TO ME. I DO NOT KNOW WHY OR HOW THESE ACCOUNTS ARE BEING REPORTED ON MY CREDIT. I HAVE NO KNOWLEDGE OF THE ACCOUNTS. I AM ASKING THAT YOU PLEASE INVESTIGATE THE ACCOUNTS SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE.
Product: Debt collection

I received a garnishment through my bank account at the beginning of this year. This garnishment was processed without me being notified via written correspondence, phone call nor being properly served. I disputed the garnishment and a couple of months later the funds were returned. A second garnishment was initiated, again without proper notification, via my employer and the funds were collected in full in three installments. I have all the documentation reflecting the full payment of the garnishment. To my astonishment, on XX/XX/2018, the same company, garnished the same debt, already paid via the three monthly installments from my employer. They again failed to contact me in any way, and have illegally taken my money, causing me distress.
Product: Mortgage

I had a mortgage with Wells Fargo. On several occasions I applied for a modification under the false pretenses that no payments needed to be made. I then went into Foreclosure twice and had to pay attorney costs, and other additional costs. Not to mention when I sold my home I still had to pay additional funds. I also had a checking and savings with Wellsfargo. They had signed me up for yet an additional accounts. No one wants to be held responsible.
Product: Debt collection

I received a call on Friday XX/XX/18, the man calling said I was being sued for a an amount of {$1500.00} dollars, from us bank, and if I didn't pay I would be going to court and I could get my wages garnished in order to repay the debt or I could make monthly installments until debt was paid off. I told him that the last time I had a banking account with US Bank was over 10 years ago and have not banked with them since. he said he would email me a letter and I had to sign it. if he didn't have it within 48hrs they would proceed with the court filings for the debt. I have called US Bank three times and all three persons who I have spoken to say nothing comes up with my social of me being in collections and they advised me not to open the email that they sent me, that it might be a phishing email in order to obtain my personal information. the email address i received it from is - XXXX, the persons named in the email are a XXXX XXXX and a XXXX XXXX . 
phone number they called from is XXXX and the reference number they gave me was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payment from The XXXX XXXX XXXX Late Payment from XXXX XXXXXXXX Late Payment from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX I sent a letter to the CRAs disputing fraudulent accounts as on XX/XX/XXXX and mailed them certified. It is now XX/XX/XXXX and I have not received a response from the CRAs. Per the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ), it is plainly stated you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item.
Product: Credit card

I sent a bill pay from my personal checking account with XXXX XXXX  and I assumed it was towards my wifes credit card. After speaking with my wife she didnt receive payment. XXXX claimed that they arent able to dispute the transaction after much back and forth and Citibank would not either. The bill payment id XXXX Citi XXXX {$200.00} XXXX in the claims department with XXXX Claim number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX unlawfully shared my information to nonaffiliated third parties.
Product: Debt collection

i asked DIVERSIFIED ADJ SVC to I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : Validation of the debt ( an audit trail in accordance with XXXX accounting principals ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Bills of Exchange Act ( 1882 ) ) ; Uniform Commerical Codes, Federal Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681 Responsibilities of furnishers of information to consumer reporting agencies. 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. I have reason to that XXXXXXXX XXXX  does not have my accurate personal information. I have ask XXXX and Transunion to investigate this but it has not resolved the issue.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. In accordance with the provisions of the XXXX XXXX ( XXXX ), specifically sections 15 U.S.C. 6801-6809, including 6805, Enforcement, XXXX has violated this act and my consumer rights by sharing Non-Public Private Information ( NPPI ) with XXXX, Equifax, and Equifax. Consumer reporting agencies are non-affiliated third parties with which XXXX has shared my NPPI. XXXX, Equifax, and XXXX have also violated my rights by reporting student loans ( NPPI ) within my consumer reports without first having written consent from me, the consumer, to obtain and furnish information within my consumer reports. This is a direct violation of the XXXX XXXX. My rights have also been violated in XXXX as I was not provided with any opt-out disclosures. As a consumer, The Privacy Act of 1974 states I, the consumer have the right to Privacy and the right to opt-out of having my NPPI shared with non-affiliated third parties.
Product: Debt collection

XX/XX/year> a credit application was submitted on behalf of the trust estate by XXXX XXXX, a salesperson at XXXX XXXX XXXX XXXX XXXX. The salesperson falsely represented a salary, with knowledge of its falsity, with the intent to deceive, making the trust estate rely on the misrepresentation. The securitization of the retail installment agreement by TD BANKS NA, which allowed for the dealers book to clear for the underwriting of more credit applications, exhibits the acknowledgment of the salary verification process used by their partner XXXX XXXX XXXX XXXX XXXX as well as the salary verification document used to verify the salary, if any. XXXX, XXXX, & XXXX XXXX are attempting to collect on a debt deceitful from its inception, in which the managerial accounting attributed to the trust estate located at both XXXX XXXX XXXX XXXX XXXX and TD BANKS NA will demonstrate. Let this also be a notice that allows XXXX, XXXX, & XXXX XXXX to send correspondence through CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$840.00}, {$0.00}, {$640.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$840.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$640.00} -This is not my account.
Product: Student loan

XX/XX/ I entered into a consumer credit transaction with SALLIE MAE BANK for an extension of credit in the amount of {$10000.00}. I received adverse action in a notice dated XX/XX/ informing me of this decision. After careful review, I believe that this denial is in violation of the Equal Credit Opportunity Act. As my application ( secured collateral ) was received. I certified mail sallie mae bank a counteroffer letter dated XXXX
Product: Credit reporting or other personal consumer reports

Navy federal was giving fema disaster assistance loans and credit cards. When I called in to see if I qualify since im in a disaster area they said I could apply for a loan with no credit impact. Also I asked could I request no interest on my credit card at this time. They not only ran my credit and put a inquiry on my credit report they added in tree charges to my credit card and never responded to my request of no interest at this time.
Product: Bank account or service

I wanted to get my over draft fees waived. I was charged for a hotel I went to 3 weeks later. I told them it was n't my fault I had charged that card 3 weeks ago and I had money then why should I get an overdraft fee now.