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

Subject : Illegal, fraudulent & deceptive business practices. 
Hello, this is concerning my CareCredit/Synchrony Bank XXXX. XXXX XXXX, XXXX, FL XXXX account # XXXX XXXX XXXX XXXX. 
1st. this Care Credit is unfair advertising at medical establishments to help people that are in need for care without insurance and resulting in nothing but issuing nothing but a high interest credit card ( mine is 26.99 % ). and high fees Usually {$30.00}, which intern doubling the payment. I believe they have no intention to help people and are just using the situation as a right off for the large portion of people will end up in default. 

2nd My Personal situation I was late on a payment I think of {$26.00} and was charged a late fee on top of my amount due for {$30.00}. The total would be {$56.00} payment due. I called and discussed the situation and customer service agreed to reverse the {$30.00} fee. So I thanked them and made my payment of {$26.00}. I thought that was good. It wasn't, my next bill came in and again a {$30.00} late fee for late payment, Again I got on the phone and they said that they will not reverse the fee again. They tried to explain to me that since I received a bill for {$56.00} which included the fee and was reversed I was still was required to pay the {$56.00}. not to mention the added interest rate.

At this point I asked to talk to a manager and without avail was unsuccessful in explaining to them the unfairness/deceptive the situation was. The manger also reminded for to read the service agreement with them ( like 4000 words ).

This is the most disappointing part. I requested to whom I could file a complaint with than the response I got was I was doing now with a manager. I said no you are a bank and i want to file a complaint with the government agency you report to. His response was that they fill all their appropriate paperwork with the government. I said I don't care what you submit, I want to submit a complaint to them, what's there address? And he didn't give it to me or help me in any way. no responsibility. So i said to him so you refuse to give me any info to file a complaint and I will have to find it myself. Very dishonest and deceptive. they should be held accountable for their actions and now have to deal with them calling 20 times a day. Feel free to contact me any time. XXXX. thanks
Product: Mortgage

We do not have a mortgage on our home but keep getting calls for refinancing. The caller claims to be from Rocket Mortgage, but the Tel # they use, XXXX is the same Robo call I get claiming they are from XXXX XXXX. The caller ID is from XXXX XXXX, FL. I have requested the XXXX XXXX XXXX to put me on their Do Not Call list and have requested they mail me a copy of their Do Not Call Policy. They call me XXXX and my name is XXXX XXXX. I am a XXXX year old widow. These people prey on the elderly and call sometimes 3 -4 times a day. They need to be stopped please.
Product: Debt collection

I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.
Product: Checking or savings account

Checking Account was closed by Chase bank on XX/XX/2018, in the letter sent by the bank it said they will send me a check for the remaining balance of {$10000.00}, but the bank holds that check and refused to give me my remaining balance until now. The bank claims that I have to bring all the people who had sent me money to me for the past 3 months to the branch, to verify their identity, so they can release the money to me. However, there are few people live in other states or out of the county right now, therefore, I was unable to bring them to the branch in person. I tried to call the bank several times but they still refused to give me my money back.
Product: Prepaid card

I received a gift card for XXXX from a friend. I tried to use it only after a month. It turned out that the card had a worn-out number. I reported it to vanilla git card on XX/XX/XXXX. An investigation was ongoing. They wanted the bill and a photo of the card. Due to the fact that the card was a gift, I asked my friend to give me the bill for this card ( it was topped up for {$100.00} ), unfortunately the friend no longer had the account but he gave me a bank statement. We went to the store to get a reprint bill. The store informed us that it can only reprint it within 7 days. But they said that they see this transaction and that it is a vanilla card, they will call and confirm the purchase of the gift card. I provided all this information to vanilla gift card along with the bank statement. On XX/XX/XXXX, I received a replacement card. When I registered her balance was {$0.00}. I reported the problem again. It is known that it was not about receiving a XXXX card, but about the funds that were deposited. After this situation, I received an email asking for the bill again. The card was purchased in XXXX IL XXXX at a dollar tree store, once again I sent them a printout from the bank with the transaction from this store, informing them that the store can not print the invoice but if Vanilla Gift calls, it confirms the transaction and top-up of the card. The case has not been resolved to this day and they never provide an e-mail update about the completed proceedings, so I have to call them again. My case number in Vanilla Gift cards is XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under trafficking  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) Account number : XXXX Balance : {$170.00} XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$92.00} XXXX XXXX  Account number : XXXX Balance : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting yet another CFPB complaint today regading the Credit Reporting Agencies. I am appalled by the lack of responsibility on the Credi Bureaus ' behalf. When will the Credit Bureaus going to fix all the erroneous information on my personal credit file? For the past 5 months my requests have been overlooked. Discontinue the stall tactics and please correct the following accounts : XXXX XXXX XXXX XXXX, MO XXXX- Please remove this inaccurate and outdated address as soon as possible. 
XXXX XXXX XXXX XXXX, MO XXXX- This is not my home address neither did I ever currently received mail to this address. Please verify and remove immediately. 
XXXX XXXX Balance : {$0.00} - This account has been paid and yet the current status is showing derogatory information that is unnecessary and damaging to my credit report, which is in violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect the consumers from unfair credit billing and credit card practices. This account should not be showing the current status of 30 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Please investigate these illogical statuses and provide me with the date of the last activity for the account USDOE/XXXX XXXX Balance : {$0.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 
USDOE/XXXX XXXX Balance : {$0.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you. 
XXXX XXXX Balance : {$0.00} - This account is not charged to me. My record shows that this account was paid as agreed and Balance is XXXX. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S. code 1681 ( e ) ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This account attached XXXX XXXX XXXX is reporting several inaccuracies which violates my rights as a consumer. 

This account is inaccurately reporting " dates opened '' as XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX and XXXX. 
This account also is inaccurately reporting " last reported '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 
This account is also inaccurately reporting " date of last payment '' as XX/XX/XXXX on Transunion and XXXX but XX/XX/XXXX on XXXX. 

As stated before, these are numerous inaccuracies that violate my consumer rights.
Product: Credit reporting

XXXX XXXX agreed to remove collection from file if I paid bill in full. They agreed to report it to all XXXX Credit Reporting Agencies. XXXX and XXXX removed with no issue in 7 days. Equafax refuses stating that they have recieved no such request. However, they lowered my score because I paid debt. I also paid off auto loan and personal loan. XXXX and XXXX both show correctly. Equafax does not. Equafax lowered my credit score for paying both loans off and used excuse that deliequent bill caused problem. I gave Equafax all info including email on XXXX telling them to remove bill. Equafax refuses. This should be illegal to do harm to someones credit for paying off loans and Bills. Also, persons on phone are outsourced to XXXX and had difficulty understanding my issue. Person became angry when I requested they correct their error. 

XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX
Product: Checking or savings account

I opened up a XXXX XXXX XXXX ( or sometimes referred to as Banco Popular ) account. I made an opening deposit of {$25.00} of which was to be transferred by XXXX XXXX. On XXXX XXXX XXXX, I was told that XXXX XXXX rejected the {$25.00} ach transfer and that the XXXX XXXX XXXX account would be closed that night ( because it is their policy to automatically close accounts in which the initial funding has failed ). On the same day ( XXXX XXXX ) I transferred {$10000.00} from my XXXX XXXX account to my XXXX XXXX XXXX account. The funds arrived in my XXXX XXXX XXXX account on XXXX XXXX. Since then I have been told that the XXXX XXXX XXXX  account is in process of closing and that the {$10000.00} would be returned to the bank that the money originated from ( which was XXXX XXXX ). It has been 18 days since I was told that the Popular Community Bank account would be closed ( which was on XXXX XXXX ). They told me that they will not transfer the {$10000.00} back to XXXX XXXX until the account is closed. They have been holding my {$10000.00} hostage for 18 days now and simply take their time closing my account. I have called them 6 times and have been into their branch on XXXX XXXX XXXX in the XXXX NY and nothing has been done. Please take action in any way that you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an auto financing account that is over 8 years old on my report from XXXX XXXX XXXX. It was first opened in XXXX of XXXX. This account was fully paid off and closed on XX/XX/XXXX. I recently received a notification from XXXX   regarding a change to my credit report. When I looked, it showed that on XX/XX/XXXX, XXXX XXXX XXXX reported old late payments to XXXX causing my credit score to drastically drop over 80 points. By law, this company should not still be allowed to report anything negative on this closed account. Ive disputed this through XXXX to no availasking them to verify this information and remove this old account from my credit report. Ive also tried reaching XXXX XXXX XXXX and keep being told the people that handle these cases are out of the office. Ive left messages. Receiving no calls back.
Product: Debt collection

On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson , LLP, stating that I owe a staggering {$96.00} for a seemingly trivial {$9.00} toll balance from DelDOT. The first issue that came to light was the fact that XXXX failed to mail the invoice on time, thereby depriving me of the opportunity to dispute the toll within the allotted time frame. 
Given the circumstances, I promptly attempted to raise my concerns with Linebarger Goggan Blair & Sampson , LLP, only to discover that they do not provide any option to dispute the toll. Feeling helpless, I decided to verify the violation myself through the Delaware XXXX Pass webpage, using the Toll Violation ID number provided, but to my dismay, it did not yield any valid violation. The letter states that the trip date was XX/XX/XXXX. 
What adds to the complexity of this situation is that the toll violation is connected to a trailer license plate that my company leases to a trucking company. While it is the responsibility of our customer to bear the invoice at the time of the toll violation, I am currently unable to address this matter effectively due to the lack of cooperation from Linebarger Goggan Blair & Sampson , LLP and XXXX 's directive to deal with them directly. 

Therefore, I kindly request that you investigate this matter thoroughly and take appropriate actions to rectify the situation. I urge Linebarger Goggan Blair & Sampson, LLP to reconsider their stance and provide a means for consumers like me to dispute toll violations promptly. Additionally, I request your assistance in liaising with DelDOT to address their shortcomings in issuing invoices on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report again, I realized that some of the information was erroneous. 
Please investigate this account : XXXX / XXXX XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX  Account Number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : XXXX. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up. 
XXXX. The date you contacted the individual funishers of information. 
XXXX. The method of communication you used to verify the information. 
I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, this account was open on XX/XX/2016, this account is older that XXXX XXXX  old and needs to remove from my credit reports.
Product: Checking or savings account

When I attempt to use my XXXX XXXX  online it is being declined even though there are funds available. I can not transfer the funds from my account to pay a bill or get cash. It happens without notice and I am left not being able to pay bills or purchase necessities. This is my social security check which is deposited directly into Chime.
Product: Checking or savings account

I was trying to devide my money into increments of {$250000.00} for fdic insurance. Synchrony Bank somehow took {$500000.00} instead of the authorized {$250000.00}. Once under my moms name and once under my name. I've been trying to get them to send {$250000.00} back and then they froze my account. As a result I filed a claim through Citi to get the money refunded. Synchrony is saying that claim went through and they sent all {$500000.00} back to Citi but I do not see it in my Citi account. It is also not in my Synchrony acount and I can not have access to my Synchrony account whatsoever. Citi customer service also said the money hasn't been returned but that the two fraud claims had been filed and I should get my money back in 10 business days. Now mine and my moms life savings is simply gone and I have no way to see who has it or where it is.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against Transunion for their failure to properly address my dispute regarding inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Transunion via USPS certified mail, tracking number XXXX. In this letter, I detailed all inaccurate items and incorrect personal information listed on my credit report. 
According to USPS tracking, the letter was delivered to Transunion on XX/XX/year>. Despite my detailed and clear request, I have not received any investigation results from Transunion. The 30-day response period mandated by the Fair Credit Reporting Act ( FCRA ) has now elapsed without any communication from them. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
It appears that Transunion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, as required by the FCRA.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against TransUnion for Violation of 15 U.S. Code 1681i ( 5 ) and Failure to Remove Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion for its repeated failure to remove inaccurate account information from my credit report after two previous disputes, which constitutes a violation of 15 U.S. Code 1681i ( 5 ) under the Fair Credit Reporting Act ( FCRA ). 
Account Information : - Account Number : XXXX - Creditor Name : XXXX  - Date of Charge Off : XX/XX/2019 - Amount : {$0.00} The account in question is an auto loan that was reported as charge off but has been paid in full. Despite providing documentation in previous disputes that demonstrates the inaccuracies of this information, TransUnion has failed to remove it from my credit report. Additionally, this account is reported solely by TransUnion and not by other credit bureaus, which further indicates an error in the reporting. 
The FCRA requires credit bureaus to delete disputed information within five business days after the reinvestigation if the dispute is not resolved, as stipulated in 15 U.S. Code 1681i ( 5 ). The continued presence of this incorrect account on my report violates the following FCRA provisions : 1. 15 U.S. Code 1681e ( b ) - Credit bureaus are legally required to ensure maximum accuracy of the information they report. The fact that this charge off appears exclusively in TransUnions report suggests that TransUnion has failed to verify the accuracy of its data.

2. 15 U.S. Code 1681i ( a ) - TransUnion is required to conduct a reasonable reinvestigation when the accuracy of any item in the report is questioned. The failure to correct the disputed information after two attempts constitutes a violation of this obligation.

TransUnions lack of compliance has caused significant financial damage and emotional distress, impacting my ability to access credit fairly. I request the CFPB to investigate this matter thoroughly and take the necessary actions against TransUnion for its continued non-compliance with the Fair Credit Reporting Act.

I am seeking the immediate deletion of this inaccurate account from my credit report and any other remedies deemed appropriate by the CFPB to ensure that TransUnion fulfills its legal obligations. Attached to this complaint, please find the supporting documentation, including the original disputes, proof of payment for the auto loan, and my current credit report reflecting the erroneous information.

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in enforcing compliance with the Fair Credit Reporting Act.
Product: Credit card

I received an offer to take a cash advance against my Wells Fargo Credit Card for a promotional rate of 3.9 % for one year, in the amount of {$7500.00}. I also use this credit card for purchases, and I made {$5000.00} in purchases. I always pay off my purchases when the credit card bill comes in. So, when the bill came for {$12000.00}, I paid {$5000.00}, realizing that the interest on the {$7500.00} would go against an outstanding balance that interest would be charged against. To my surprise, Wells Fargo applied the entire {$5000.00} to the promotional balance, leaving the purchases unpaid, at an interest rate of 12.49 %. So, the upshot is that if you do n't use the credit card for ongoing purchases, you will probably get the promotional rate on the full amount of the cash advance for a year ( as advertised ). But, if you actively use the card, then the promo balance will be paid off in a few months, and you will owe a much higher rate on the purchases - which never got paid. None of the information about the promotion indicated that this is how payments would be applied. Wells Fargo did refund all the interest that I paid this month, but said I would need to call back every month and ask for the interest back - and they may or may not be willing to do this. Had I known that this was how they were going to apply the payments, I would have never used the promotion. I already had the {$7500.00} on a loan with a 6.5 % interest rate, so I am worse off now.