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

I am being charged finance charges from Synchrony Home Credit Card Company ( XXXX XXXX XXXX ), for an expired promotional purchase that is not displayed on my monthly statement. I called the company in XX/XX/2019 complaining about being charged interest without seeing the information on my statement. They refunded my interest, but they didn't tell me at that time I had 2 other outstanding balances that I was being charged interest on that was not displayed on my statement. When I called today to discuss they said I was being purposely obtuse and because I didn't ask them in XX/XX/2019 if I had any other outstanding balances that I was also paying interest on they did not have the obligation to tell me. They never disclosed I had 2 other hidden accounts that I was paying interest on. I have the funds in my checking account and could have paid the entire balance I owed in XXXX, but instead they deceived me by not disclosing on the phone or on the statement and I continued to pay interest when I did not need to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOTICE TO AGENT IS NOTICE TO PRINCIPLE I noticed on my Experian credit report this week, That you ( experian ) have reported a charge off, which is that has been discharged. and you did a tax write-off. After contacting the IRS they stated that it is illegal for you to report this information on my credit report to try to collect or have a charge status. This is called tax fraud at the IRS and you will be reported for it. I urge you to remove this item from my credit report and file a 1099-c so I can review it to make sure you are in compliance. You violated FCRA 15 USC 1681eb and the information you reported is not 100 % accurate. I have been directed by the IRS to file a Form 3949a, Reporting Illegal Tax Violations Against Your Business. I'm pretty sure your CEO or VP and legal board doesn't want to go to court over this. Companies violating any of the U.S. codes in the FCRA are entitled to actual damages and monetary compensation. The accounts that are Charged off and hindering my financial health are listed, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Student loan

I've called MOHELA multiple times in XXXXXXXX XXXX XXXX XXXX XXXX  ) to get my recertification cancelled. I received an e-mail from US Dept of Education earlier in XXXX to re-certify to qualify for the SAVE program, which will offer the lowest payment amount for my students loans. However, I found out right after submitting my request that recertification is NOT required until XXXX and my monthly payment on the SAVE program will be significantly higher ( previous payment amount was around {$160.00} and with the SAVE program, it is almost 3x the amount ). I called and talked to a rep the very following week ( as recertification was completed on XX/XX/XXXX, Friday ), was told that they will cancel the recertification and I will be remained on my previous IDR plan. I called the next day ( XXXX ) again to get reconfirmation and they reassured me that the cancellation for recertification was on file and to call back in a couple of days. I repeated the process on XX/XX/XXXX and I was relayed the same information as they were still working on the cancellation. A week later, my account was updated with the SAVE program with a new payment amount of {$420.00}, which is almost 3x the previous amount. I immediately called again and inquired about what happened. MOHELA representative told me that the recertification is in process to be cancelled. It has been almost 2 months, I've been on hold for hours and hours on end with no success of getting a representative on the line. No change has been made and my account is still showing the SAVE program with the new amount that's due in XXXX. I just want to go back to my old IDR program and monthly amount until I have to re-certify next year ( XXXX ) with my updated tax information then. As MOHELA have told me they will do but failed to do so! PLEASE!!! I've sent messages to MOHELA as well and they reply back days later to call their number. I have TRIED to call and been on hold for hours and been hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is in continual error of reporting erroneous account.
Product: Credit card

macys credit card -- when we moved we changed all to new address made a couple of purchases never recd a bill would never have known that they were sending my bills to old address how i found out was i get my annual credit report and seen this i called them and and asked what happened found out they were sending bills to wrong address we changed to correct they told me i owe {$170.00} dollars they said if paid would take off all credit reports they were paid in two days i called them after 3 days said didnot rec yet called back and next person told me they did rec two days later but will not take off credit reports they just wanted there money XXXX had an XXXX credit score i always pay my bills this dropped score down a lot and i did nothing wrong not my fault they did not do there job updating there system when i sent them change of address how is this my fault they could have even called me they have my number it has not changed can you please help they wont even honor there deal oaid in two days they would take off credit report
Product: Credit card

I am writing to you about collecting a debt. I have been notified by both XXXX XXXX XXXX, as well as XXXX XXXX XXXX that they have rights to a debt that allegedly originated with XXXX XXXX XXXX XXXX. 

I

do not have ANY responsibility for the debt. I am a victim of identity fraud that dates back to the year 2020. What I have found with several instances, including this one, My Name, DOB, Address and SSN was used to obtain access to credit by someone other than myself. Attached to this letter, you will find the following. A report from the FTC detailing my case of identity fraud A police report detailing that I am a victim of identity fraud. As you are aware, the FCRA prohibits creditors and collection agencies from reporting accounts, or other information to credit bureaus, that are known to be a result of fraud, pursuant to Section 623 ( a ) ( 2 ) of The FCRA sections in the U.S. Code, 15 U.S.C. 1681. I fully
expect that XXXX XXXX  will review the information included, and following the law, cease and desist all collection efforts, remove this account from my credit report, as well as contact both XXXX XXXX XXXX and XXXX XXXX XXXX to make them aware that they are reporting a fraudulent collections account on my credit report. I appreciate your prompt attention to this matter, and await your reply.
Product: Student loan

Hello, Thank you for reviewing my complaint and providing support in hopefully reaching resolution. I have submitted at least 2 requests to Mohela ( upploading the appropriate forms ) for a 12 month deferrment as I work to resolve a financial hardship. Each request has been met with no confirmation of approval, only a response stating " please allow up to 90 days for processing your request '' however, I never receive confirmation it in fact has been processed ( approved ). The first request was in XX/XX/year> and the second request may have been in XXXX ( I am not certain ). A forebearance of 2 months was issued however, it was unrelated to my request of 12 months and was an Administrative Forebearance. I understand through my research that in XX/XX/year>, Moehla was sued for a wide range of unlawful practices including illegally denying service to borrowers that need help. The only communication I receive from Mohela, is notification of a past due payment. I understand repayment is my responsibility and I have only requested a 12 month forebearnce. Additionally, documents I have sent to them appear listed in their Inbox only to dissappear several weeks later. I am in desperate need for assistance. Attempts to contact them by phone have been futile as the wait time to speak to a customer service representative often exceeds one hour. Messages sent to them using their Message Center still do not provide me with the forebearance approval I am seeking and do little to answer the questions posed to them. If you notice, the " Documents Sent to Me '' list is quite extensive however, documents I sent to them have been deleted. Again, I sincerly appreciate your time and consideration. Thank you.
Product: Checking or savings account

TD Bank closed my account for alleged Fraud, but has failed provide full explanation of cause, reopen mew account to process outstanding checks, allow me To file claim for lost funds, Provide non-conflicting instructions, Correct account notes, replenish my account balances, or act in a prudent or transparent manner to resolve. TD Bank has repeatedly acted in a Confrontational and Accusatory manner while concealing steps to ensure restoration of my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX with XXXX. I completed my XXXX  in XX/XX/XXXX, and they reported me as late then and when I contacted them, they said they had the wrong date for last enrollment. They corrected some of the late payments reported. I was enrolled in XXXX  for XXXX and XXXX XXXX. According to their website, you have XXXX  months deferment before loans are delinquent. As of today, they have reported my loans as delinquent and that is incorrect. They have bad practices internally ... how does this happen to XXXX person XXXX? 

I have attached a snip it from their website showing the XXXX deferment and I have attached my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted XXXX XXXX XXXX to repair a washing machine. The first XXXX technician did an analysis and ordered parts charged ( {$210.00} ) to my Bank of America Visa credit card. After the parts were delivered to my home, two different XXXX technicians arrived to affect the repairs. They determined that the first technician misdiagnosed the problem and ordered the incorrect parts. They labeled the parts for XXXX pickup and left them on my front porch on XX/XX/2018. I have a receipt from them indicating a refund for the parts purchased. In spite of numerous calls to XXXX XXXX XXXX and multiple commitments to have the parts picked up by XXXX, they sat on my front porch for almost one month. I contacted BoA regarding reversing the charge. At their request I provided the receipt indicating that the refund was approved ( but not rendered ). After a delay, BoA made a request for additional information that had no relevance to my issue. The request was nonsensical. Calls to BoA did not help. BoA in my opinion just did not want to honor my request in spite of documentation. Their behavior is inconsistent with that of my other financial institutions. I would like BoA to honor my request, supported by documentation and reverse the charge of {$210.00}.
Product: Credit card or prepaid card

Today- XX/XX/2022, I called multiple times to get the status of a XXXX XXXX XXXX XXXX XXXX XXXX AND their store card applications I submitted over XXXX weeks ago.I was hung up on twice ; and when I asked to speak to a supervisor for the credit card application I was put on hold for 15 more minutes before being transferred to the automated system. The credit card agent could not find my application and said, because I cant find you in my system, you have been denied. The second agent ( for the store card ) said I would not be in their system until I am approved or denied. - Please note, again, that it has been over two weeks since I applied. - The XXXX XXXX XXXX XXXX website said to call to check the status of a credit or store card application. Federal law mandates if I am denied, then Comenity Bank/Bread XXXX XXXX issuers of these cards ) HAS TO GIVE ME A REASON FOR THE DENIAL. However HOW CAN YOU SAY I AM DENIED WHEN YOU CANT EVEN PULL UP MY APPLICATION? 

Very shady. You probably wont be able to even SEND me a denial letter since you cant pull me up in the system.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX @ XXXX XXXX I was called by a debt consolidation company that claimed they would lower my credit cards interest. They called from XXXX. Our phone number has been on the XXXX no call list since XX/XX/XXXX, verified. They are using cells and burner cells to call me. We have no consumer debt. 
I asked for the companies : name and address and was told no and they hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im 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. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened XXXX XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$1900.00}, and XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On Tuesday XX/XX/2023 at approximately XXXX, a fraudster gained access to my Coinbase account and transferred XXXX worth {$250000.00} out of my Coinbase Wallet. I realized what was happening while the transfer was still pending and immediately contacted Coinbase Support. I was speaking with Coinbase Support while the criminal transfer was still pending. However, Coinbase failed to cancel the pending transfer. Coinbase failed to flag the transaction as potentially fraudulent. Coinbase failed to place a temporary hold on the transfer until its authenticity could be verified. Coinbase failed to respond to my multiple concerns, cases, and complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a credit line without any legal authority. They are reporting this fraudulent criet to harass me and adversely effect my credit rating. XXXX had maintained they were transferred this account from XXXX XXXX XXXX. At the time the account was allegedly transferred, XXXX XXXX XXXX did not show any activity afterXX/XX/XXXX. However, once transferred to XXXX in XX/XX/XXXX, they started their account history in XX/XX/XXXX with a 120 day delinquency. XXXX  has maintained they would report this account adversely due to the pending lawsuit against their predecessor, XXXX XXXX XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX admitted the Rescission Deed they filed inXX/XX/XXXXwas invalid and ineffective. Therefore they had no loan to transfer to XXXX to collect. However, this credit line should be deleted from my credit report.
OnXX/XX/XXXX, the Court declared the Rescission Deed was invalid as well. XXXX is reporting false information to the bureaus and they are aware of the most recent decision by the Court, ad they are conspiring with XXXX XXXX XXXX creating a fraud against the Court 's, CFPB, and the credit reports. I 've attached a letter from XXXX dated XX/XX/XXXX, letter from XXXX XXXX XXXX 's attorney, XXXX XXXX, Stipulation of Facts from XXXX XXXX and the Court 's order. I 'm demanding XXXX delete this credit line if XXXX ca n't prove they are legally required to report it.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXXXXXX Balance : {$0.00} XXXX : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} TransUnion : XXXX XXXX XXXXXXXX Balance : {$0.00} ( XX/XX/XXXX - XX/XX/XXXX ) XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

I am filing a complaint to request validation of the debt associated with the account numbers listed on my XXXX account 1. Jefferson Capital SystemXXXX I have no knowledge of these collections accounts and would like to verify its legitimate. Please provide me with the details of the debt, including the original creditors name, the amount owed, and any documentation that supports your claim. Under the Fair Debt Collection Practice act, I have the right to request this information. Until I receive the requested validation, I ask that CFPB you take action to ensure they cease all collection activities regarding the accounts.
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 consumer financial protection act. ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process what's unfair and deceptive as they did not comply with error resolution requirements under the electronic find transfer act. ( EFTA ) and Regulation E. These actions have cost significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XX/XX/2020 a glitch occurred with XXXX XXXX online payments. I had got the fee removed due to the online portal not working the day i made a payment and automatically triggered a payment of lateness. i showed XXXX  XXXX i made the payment and they said it was an error on their end. They removed the late payment. This needs to be reflected on credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian continue to furnish information on my report that is not accurate and complete. I've written several letters to them to no avail.
Product: Checking or savings account

Discover sent me a message saying the following : Dear XXXX, We're writing to let you know that we noticed unusual activity on your account. For security purposes, we have suspended access to your account. If you have already spoken to us about this, no further action is needed. 

Here 's what you need to do : Call us immediately at XXXX ( TDD XXXX ) to discuss your account. Our 100 % U.S.-based customer service team is available 24 hours a day, 7 days a week.

Make other arrangements for any pending transactions as they likely will be impacted while your account remains frozen. 
If you were enrolled in Overdraft Protection or Auto Redemption to Savings you may need to re-enroll once the freeze is removed from your account. Please log into your account to confirm your settings once your account is no longer frozen. 

As a reminder, you're never responsible for unauthorized debit card online, or mobile banking transactions. For more details on fraud prevention and what we do to keep your account safe, visit our Security Center. 

Sincerely, XXXX XXXX XXXX XXXX, Discover Bank Customer Service In response I called them after I got off from work, and after waiting 30 minutes on hold, was told that they no longer wanted me as a customer and it would be at least 90 days before I could get my money back.
Product: Credit card or prepaid card

Purchased on XX/XX/2023 Amazon XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total Cost {$32.00} charged credit card {$29.00} and reward points used {$3.00}. 

Item Delivered XX/XX/2023 Did not deliver Whole Bean Coffee that was advertised delivered ground coffee per seller Amazon published ad error. Requested a refund and published an bad review seller responded On XX/XX/2023 " You were refunded for the error a long time ago. '' updated Amazon and Synchrony Bank. No credit given there was a guarantee by Amazon for a refund within 48 hours. To date still No Refund or Credit to my account Amazon Credit Card by Synchrony Bank
Product: Credit reporting or other personal consumer reports

IN Accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX ( XXXX XXXX, XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602A. states I have the right to privacy.

15 U.S.C 1681 Section 604A Sec.2, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

Wells Fargo servicer of my mortgage invested by XXXX continue denying a fair review of my Request for a Loan Modification submmited basis on the " supposed '' fact that my mortgage is affordable, when is NOT. WF did not consider on affordability calculations, property tax payments ( do it by myself ), home insurance ( do it by myself ), HOA and Cluster ( both do it by myself ) as part of housing cost. When I include total housing cost my back to debt ratio is more than XXXX