23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In XX/XX/XXXX, I purchased a laptop on XXXX, using XXXX, and the purchased was funded through my Discover Credit Card. I had a warranty issue with the laptop, but I was not able to contact the original merchant. I started a Purchase Protection Claim, and was never informed I was out of the date range for the claim to be valid until XX/XX/XXXX. After no contact from Discover, I issued a chargeback through Discover, and they did an investigation. They asked that I return the item per XXXX 's request, and provide proof of return. I did so on XX/XX/XXXX, at XXXX. I had called Discover at around XXXX the same day to confirm the adress was correct with the representative, asking if this was the required step to move forward - she confirmed both. A month later, I was then informed that I was outside of the range of time, and that nothing could be done about the missing money or laptop sent back at their request. I 've spoken with their executive resolution department, and was told the charge was valid and that their investigation showed no such request to mail the laptop back, which is not true, as reviewing the call from XX/XX/XXXX ( and a week prior ) should confirm. 

I have also put in a complaint with the BBB ( unresolved ), and the Florida Attorney General.
Product: Mortgage

I received an email with the words " duplicate '' complaint and my complaint was closed. My husband and I then read the same " duplicate '' complaint under his email and his has closed as well! THIS IS NOT A DUPLICATE COMPLAINT!!!!!! This agency erroneously closed a complaint against quicken dba Rocket Mortgage LLC, when no other complaints are listed!!! I have reported this to the ombudsman office and will continue to do so as this complaint SHOULD HAVE NEVER BEEN CLOSED. All you did was allow Rocket Mortgage to do what they keep doing!!!! This is very close to what the judge decided when there was clear evidence rocket mortgage defrauded customers and like street criminals they say and do whatever it takes to get money in their hands!!!!!
Product: Credit card

I am writing to complain about Synchrony Bank, the issuer of my TJ Maxx store credit card. On XX/XX/2009, I opened this account, which is one of my oldest credit card accounts. I went through a period where I did not make a purchase, but I thought that using the rewards from my credit card this year would count as activity. However, Synchrony Bank closed my account due to inactivity without any notice. 

I called Synchrony Bank customer service to try to reopen the account, but I was told that it was not possible. The representative I spoke with, XXXX, explained that the purpose of closing my account was to penalize me for not using it and to benefit Synchrony Bank by avoiding the need to pay security on my account. He also agreed that closing my account would harm my credit score.

I spoke to a supervisor, who confirmed that Synchrony Bank does not send communications to customers warning them that their account will be closed due to inactivity. She also said that my only option was to reapply for a new account, which would create a new trade line and open date on my credit report.

I believe that Synchrony Bank 's practice of closing credit card accounts due to inactivity without notice is deceptive and unfair to consumers. Consumers who are conscious of their credit score rely on their open accounts to maintain a good credit history. Closing an account without notice can significantly damage a consumer 's credit score and make it more difficult to qualify for loans and other forms of credit in the future. 

I am requesting that the CFPB investigate Synchrony Bank 's practices and take appropriate action to protect consumers from this type of unfair and deceptive conduct. I also request that the CFPB require Synchrony Bank to reopen my account and remove the negative information from my credit report.
Product: Credit reporting or other personal consumer reports

I HAVE FILED SEVERAL IDENTITY THEFT CLAIMS AGAINST THIS COMPANY AND THEY HAVE REMOVED IT FROM MY XXXX CREDIT REPORT, HOWEVER THIS COMPANY NEEDS TO BE REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS WITHIN 30 DAYS ALONG WITH PAYMENT REIMBURSEMENT FOR PAYMENTS MADE TOWARDS THIS ACCOUNT, ALL OF MY BANK ACCOUNTS HAVE BEEN CLOSED DOWN FOR ALMOST TWO YEARS, I HAVE BEEN EVICTED FROM MY HOME WITHOUT TRANSPORTATION, NO UNEMPLOYMENT BENEFITS NOR ANY OTHER SUPPORT AS I HAVE EXPLAINED IN THE PAST, IN ADDITION I HAVE NO JOB, NO FOOD NOR ANYTHING AND I NEED THIS COMPANY REMOVED FROM BOTH MY XXXX AND XXXX CREDIT REPORTS ALONG WITH REPAYMENT FOR PAYMENTS THAT WERE MADE TOWARDS THIS ACCOUNT THAT DOES NOT BELONG TO ME AT ALL!!! I HAVE PROVIDED ALL OF THE DOCUMENTATION THAT I HAVE TO RESOLVE THIS MATTER!!! I AM TRYING TO GET EMPLOYMENT, A VEHICLE AND A HOME HAVING THIS ON MY PLATE HAS KEPT ME FROM DOING SO AND I AM ALSO REQUESTING {$150000.00} IN DAMAGES FOR FINANCIAL AND EMOTIONAL DURESS. I HAVE EXPLAINED TO THEM THAT ALL COMMUNICATION IS TO BE DONE VIA EMAIL AS I DO NOT HAVE A WORKING PHONE NOR RESIDENCE AS I HAVE BEEN HOMELESS, WASHING MYSELF IN PUBLIC PLACES OR MOBILE SHOWERS. I HAVE NO FAMILY OR ANY RESOURCES ALONG WITH NOT XXXX XXXX IN MY POCKET AND I WILL BE FILING BANKRUPTCY UPON ANY FUTURE EMPLOYMENT. THE PERSON WHO STOLE MY IDENTITY ADMITTED TO STEALING MY IDENTITY AND RUNNING UP MY CREDIT REPORTS AND THAT PERSON IS CURRENTLY INCARCERATED ON A XXXX XXXX CHARGE. I WILL KEEP ON COMPLAINING AND DISPUTING THIS MATTER UNTIL THIS IS REMOVED FROM BOTH CREDIT REPORTS AND ANY OTHER RECORDS. I AM DONE DONE PLAYING GAMES WITH THEM AND I WOULD NOT BE USING PROFANE LANGUAGE OR COMMENTS IF THEY HAD DONE THEIR JOBS THE XXXX TIMES THAT THEY HAVE BEEN ASKED TO AND UNDERSTOOD THAT I HAVE A RIGHT AS A CONSUMER TO EXPRESS MYSELF ALONG WITH ANY OTHER OPINIONS AND IF THEY CAN NOT HANDLE THAT THEY NEED TO FIND ALTERNATE EMPLOYMENT ALONG WITH A TOUGH SKIN!!! I HAVE FILED COMPLAINTS WITH EVERYONE IN XXXX AND XXXX XXXX AGAINST THESE CROOKED XXXX XXXX I AM BEYOND SICK OF THEIR XXXX LIES, ETC AND NO THREATS NOR HARASSMENT ARE BEING MADE I AM TRYING TO GET THIS BEHIND ME AND THE RESOLUTION I WANT!! I XXXX XXXX XXXX XXXX XXXX XXXX  ABOUT EVER GETTING ANY LOANS OR PRODUCTS FROM THESE XXXX XXXX EVER!!! I WANT MY MONEY AND CREDIT REPORT CORRECTED AND THEN BE DONE WITH THESE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information is incorrect with XXXX, TransUnion, and XXXX. They all have inaccurate personal information on my credit report, such as name, account number & address and telephone numbers
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching the investigation request that my husband and I sent in to the credit bureaus on XX/XX/XXXX. They are supposed to respond with 30 days. Although my husband has received all of his responses on time, I have not yet received anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or 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 XX/XX/XXXX, my husband and I, applied for a mortgage through XXXX XXXX in XXXX OH ( offices in XXXX and other towns too ), but on our report it shows XXXX XXXX. 

That isn't the issue. 

The issue is that in XXXX of XXXX, our credit was ran again without our consent. 

The companies ' headquarters in XXXX has the XXXX, OH office delete all of our information, but this unapproved inquiry is still showing. The person in XXXX, OH that ran our credit was XXXX XXXX, and again, this was NOT authorized. 

This man became hostile, rude, and belligerent toward our XXXX faith when we ask about this ; and that is when we contacted the main office and asked for him to stop.
Product: Student loan

I can not pay anything I have been out of work for 14years because I am a caregiver for my son who is non verbal autistic and have have only one income from my husband
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. 

Account Name : XXXXXXXX XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 card

I first requested statements for a Citibank credit card in my name in XX/XX/year>. They sent me incomplete statements so I followed up by phone XXXX XXXX  for the correct complete statements. I also followed up with a letter. Three months have passed and I still don't have the statements I requested from my own account. Denying me access to my personal information is in violation of Reg Z and the Fair Credit Billing Act as well as the California Privacy Rights Act.
Product: Money transfer, virtual currency, or money service

Greetings! I hope this message finds you well. 

I was scammed for a job position/hiring and was sent a check by the company XXXX XXXX purportedly to as a partial budget to purchase equipment/software for the position as was hired in. The check issued was from The Bank Of New York Mellon XXXX, PA in the amount of US {$2400.00} and for deposit to my account in XXXX XXXX. The bank has rejected it and flagged as counterfeit. I don't want the money and I don't want to be accused of fraud. 

This case has been reported to XXXX XXXX, FDIC, FTC, iC3 FBI, and the California AG. 

Please help me. Thank you so much! 

Kindly see below : Thank you for your correspondence, which was received by the FDIC 's Consumer Response Unit. 

The FDIC 's mission is to ensure the stability of and public confidence in the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since 1933. We are responsible for supervising state-chartered, FDIC-insured institutions that are not members of the Federal Reserve System.

Based on our review of your correspondence, the bank you referenced is under the direct supervision of the Consumer Financial Protection Bureau. We are forwarding a copy of your correspondence to this agency at the address below : Consumer Financial Protection Bureau po box 27170 Washington , DC 20038 Website : www.consumerfinance.gov Telephone : XXXX Please direct any future concerns to the Consumer Financial Protection Bureau. Thank you for taking the time to submit your correspondence. 

Sincerely, Consumer Response Unit National Center for Consumer and Depositor Assistance Federal Deposit Insurance Corporation Telephone : ( XXXX ) XXXX
Product: Mortgage

My escrow account is incorrect. My property taxes are XXXX. Half ( XXXX ) is due XX/XX/XXXX and the other half ( XXXX ) is due XX/XX/XXXX. The mortgage company paid both halves ( XXXX ) in XXXX of XXXX instead of XXXX that was owed at that time. When they did the escrow analysis in XX/XX/XXXX they showed the taxes for the year as XXXX instead of the actual amount of XXXX. This in turn has shown a shortage in the account that they want to increase my payment by XXXX to cover when there is actually no increase. I have tried repeatedly to get this corrected. I first discovered that they paid both halves of taxes in XXXX sometime in XXXX and messaged the escrow department via there website in XXXX of the mistake. Then in XXXX when I found that the escrow analysis was incorrect I spoke with customer service and eventually ended up with XXXX XXXX. She said that she understood my problem and would contact the escrow department to get it corrected. I emailed her documentation that showed the property taxes and when the payments were due. She told me to give her a week and she would call me back and let me know what was going on with it. I did not hear back from her and contacted her by phone ( voicemail ) and also emailed her. I finally heard back from her after 2 weeks and was told that the taxes were not overpaid and the account was correct. Although they were not overpaid half was paid early which I tried to explain to her via email even again attaching documentation of the property taxes from the county and also there escrow analysis. I have not heard back from them and its almost 2 more weeks.
Product: Credit card or prepaid card

My ex spouse had a credit card for his business as his worry free for a checking account. He was deemed responsible For this account in the divorce and did not remove my name. Later he filed bankruptcy and this account was to be closed. It has not been closed and is showing up on my credit record. My name is not spelled correctly nor am I sure I actually signed it. Someone did but?? So between the divorce decree and the closed status through bankruptcy the bank will not close or remove this from my credit record the amount was {$2000.00}
Product: Mortgage

WSFS Loan # XXXX, dated XX/XX/XXXX, recorded in XXXX XXXX, FL as Instrument # XXXX was paid off on XX/XX/XXXX ( see attached Closing Disclosure ). 

WSFS has not released the mortgage from the public records, which is causing a delay in a current closing. WSFS tells me I must submit a written letter requesting WSFS produce a satisfaction of mortgage. 

WSFS was obligated to place the satisfaction of record within 30 days of receipt of their payoff funds. 

I demand WSFS place the satisfaction of mortgage of record immediately. 

WSFS has done this before, on a previous mortgage, resulting in a previous CFPB complaint ( XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint is about Credit Karma. They prepare taxes as a benefit to members. I was working on my taxes and had saved it. They submitted them to the IRS without my approval. 

I reached out to them twice. They finally answered today. Here is the response from the email : Why CK submitted Tax Return? : Case # XXXX Thank you for reaching out to Credit Karma Tax. I understand you weren't done with your return. Your return has been submitted and accepted already. You will have to file an amendment to make any changes to your return.
Product: Debt collection

Suspecting I had been overbilled by XXXX XXXX, I paid in person for my copay at my appointment on XX/XX/XXXX XXXX XXXX XXXX XXXX in XXXX FL whos billing is managed by XXXX. I provided copies of the receipt of {$50.00} i paid in the office on this date which they still called for over and over to continue to get more money. I gave this information but continued to get billed from XX/XX/XXXX until XX/XX/XXXX. Then they sent this to collections and on XX/XX/XXXX i got a call from mnet financial who said they received the account and demanded payment. I provided proof this was paid via email and confirmed with the operator XXXX the email I sent with receipt was confirmed. Despite receiving this, MNET financial continued to contact me while i was working and on XX/XX/XXXX I answered their call and spoke to an operator who even confirmed they received the email but the account was not closed. They're refusing to close the account despite that I paid and I'm concerned they're attempting to scam me out of more money and likely scammed other consumers also.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX  XXXX XXXX, Account # XXXX XXXX XXXX, has violated 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 16666 A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Mortgage

XXXX mortgage company overpaid my property insurance ( escrow ) by {$1100.00}, instead of fixing the problem they increased my mortgage payment by {$130.00}.
Product: Debt collection

Representatives at Procollect, located in XXXX, TX ( XXXX XXXX is their president ), have violated the Fair Debt Collection Practices Act FDCPA. My account number is XXXX, which has already been fully paid. 

This agency has continued to call for collection efforts despite my agreement to resolve the matter. I had no knowledge of the debt until I was contacted by this agency. After setting up a payment plan, I continued to receive persistent calls from their representatives, some of whom have made inappropriate and unprofessional statements such as " I didnt want to pay my bill and that we wouldnt be on the phone if I wouldve paid it. This behavior is not only unprofessional but also violate the FDCPA. I feel as if Ive been pressured and harrassed to pay this debt which is also a violation of FDCPA. 

Additionally, I have never received a wribten notice in the mail regarding this debt, which is a requirement under federal law. Even after verifying my mailing address every time I spoke to a representative. Furthermore, this collection account is negatively impacting my credit score and could potentially affect my ability to maintain my top-secret clearance, which is crucial to my employment. So I spoke with XXXX XXXX, a supervisor at Procollect, to ask and learn about the goodwill deletion. He hung up in my face after he told me that it isnt in their policy but I had another representative tell me they would try to get it approved by their manager.

I've looked online and this company has a 1.2 star rating. There are other people who have left comments experiencing the same things that I experienced. One even named XXXX XXXX and how they had a negative experience with him also. I really hope this company is investigated soon. I shouldn't be angry or left in tears after a phone call with them. I also asked to file a complaint by speaking with someone and they put me on hold for over 30min. Please let me know what I can do about this company. I would love to contest this company in order to help those who are and will experience the same thing.

Thank you!
Product: Credit reporting or other personal consumer reports

American Express on XX/XX/2024 shared my account information with my consent all three credit bureaus
Product: Credit reporting, credit repair services, 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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX $ {$1600.00} XXXXXXXX XXXX XXXXXXXX XXXX {$240.00} XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX  XXXX XXXX {$3800.00} Account number XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX {$500.00} Account number XXXXXXXX XXXX {$460.00}. 
Account number XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX {$7700.00} Account number 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

On XX/XX/2020 I submitted a complaint to XXXX XXXX XXXX and XXXX XXXX that had incorrect inquiries on my credit report. The two banks have stated that they had sent a request to the credit bureaus to remove the inquiries within 60 days. The inquiries are still listed in my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$170000.00} - Late/Open XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : XXXX $ - Late/closed XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} - Late/closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$6600.00} - Chargeoff XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$46000.00} - Chargeoff XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5000.00} - Collection XXXX XXXX XXXX XX/XX/XXXX