23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am having a issue with account and need to speak with upper management. When I opened my XXXX credit card on XX/XX/XXXX. XXXX had set me up on the wrong terms. Ive contacted XXXX and they contacted TD Bank to get this fixed. All documents were sent to TD bank to correct my account. When i called to see when was my first payment on XX/XX/XXXX at XXXX a supervisor told me XX/XX/XXXX would be my first payment. In my account it reflects XX/XX/XXXX as my first payment. I was told that XXXX contacted TD bank at the end of the billing cycle to correct this problem causing my first payment to be due on XX/XX/XXXX. Since contacting TD Bank I have been told 3 inconsistent stories about my payment due date. I have been hung up on as well. This is becoming very frustrating and the employees there seems to be very incompetent. I do not need TD bank to ruin my good credit for a mishap on the terms and payment due date. I've asked to speak with upper management and was told that they do not accept calls. I had no choice but to file a complaint since I can not get this issue resolved through customer service. I also have not received a actual credit card in which TD bank stated they sent me out a card on 2 occasions. Still nothing in the mail. Please pull all recordings regarding phone number XXXX so you can hear what I'm being told on these calls
Product: Debt collection

Amount of debt in dispute collection company has stated is {$1400.00} but original creditor was {$1300.00} which I notified of dispute also. They have choose to ignore requests to verify debt and now adding fees. Documentation attached.
Product: Mortgage

This letter is intend to send to GMAC Mortgage, LLC Executive team GMAC Mortgage, LLC has not approved my short sale / forclosure for the the address below XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX We have a buyer made an offer on the house 4 months ago and the buyer is able to meet GMAC 's LLLC appraised value amount. {$230000.00}. It's horible to get GMAC Mortgage LLC response and accept short sale or approve the sale contract. I have lost one buyer in the past due to their slow response. Very slow response or no response. GMAC does not look at my sitting short sale package to issue an approve pruchase contract. GMAC Mortgage, LLC really has no accountability for any dealines. GMAC has been really hard to deal with short sale/forclousre. GMAC executive and the management should be fired for getting paid and doing the job.
Product: Credit card or prepaid card

Someone opened a paypal credit account in my name. I want this account removed from my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier this year  XXXX   XXXX  was placed on my credit report as a collections account. I immediately disputed it directly with  XXXX   XXXX  through CFPB and the account was removed from my credit files with all  XXXX  credit bureaus and a cease and desist was placed. In  XXXX  of   XXXX   I noticed  XXXX   XXXX  was placed back into my credit file and I did not receive proper notification from the collection agency or credit bureau as required per the FCRA. No notice was given that this was being placed back into my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called the ok.tax.gov and wanted to ask them to send {$13.00} by routing & account number. But no one will Help me. I called and spoke to 3 different people and waited about 1 hour and 20 minutes. Then the last person said she was getting the supv. but instead put me through to a message machine so I left a my name & number and asked her to call me back.
Product: Bank account or service

Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.
Product: Student loan

I received a loan in XXXX for school. I started paying the loan back in XXXX. I have paid approximately {$60.00} twice a month since then. I started receiving emails a couple of years ago from Navient stating that I was behind on payments. When I called and spoke with someone they said that my payments were n't being received and had me update the billing address and that they payments would be put onto the right account. Last year I received another call that my payments were behind and I needed to catch up. I was offered a forbearance which I accepted not realizing what capitalized interest was but continued making my {$120.00} payment through the forbearance. I received another call this month and finally spoke to two different people on XX/XX/XXXX who informed me that I have two loans with the same account number but different pay to addresses. Because of this payments were only being made to the Navient account and that is why they had been hitting my credit score and charging me capitalized interest and late fees. So now it 's been 5 years and I owe more now than what I borrowed. This conversation today informed me that I could consolidate or file for an income based repayment option. I also believe they raised my interest rate without informing me. 
They would n't help me by removing late fees or removing any of the capitalized interest from the forbearance even though I paid through them.
Product: Credit card or prepaid card

I had a Gap Visa Card which had an unauthorized charge of {$100.00} from the latest statement, the charge was made on XX/XX/2020, and the card is managed by Synchrony Bank. I contacted Synchrony Bank at ( XXXX ) XXXX on more than one occasion to inform them that it was an unauthorized charge. I was told that the charge was for a renewal of XXXX XXXX XXXX XXXX software. I have submitted a written " Dispute Acknowledgement Form '' from Synchrony Bank via fax number ( XXXX ) XXXX on XX/XX/2020 and checked " I did not make the sale '' box. I did not hear from them about the resolution of my written inquiry, what they did was cancel the old card and re-issued me a new card for the same amount, plus interest and fees charge, which is now {$210.00}. 

They have since called me every day, all hours of the day, including the weekend on my cell phone to insist that I owed the amount. The tactic Synchrony Bank used is harassment and intimidation, they used different numbers to call me for payment so if I blocked one number, another one will surface. They are rude and to the point of threatening me for collection for a charge that was not authorized. 

I acted in good faith to resolve the matter but all I got from Synchrony Bank was duress and endless calls from all different times of the day for charge that I did not authorize.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report EQUIFAX Dear Sir/Madam, After EQUIFAX completes its investigation into the account related to the letter sent on XX/XX/XXXX, which is written in this complaint, please I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 16811 ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. 
Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights Below are the details of the disputed account. 

XXXX - XXXX I recently reviewed my credit report and noticed an account that was not reporting accurately, I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments Ive attached a copy of my report to this complaint on the following dates ( XX/XX/XXXX AND XXXX XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action I kindly request that you provide a description of the procedure used to investigate and verify this account. If you can not update payment on time, please provide the required information. I appreciate your prompt attention to this request and look forward to receiving a response within the timeframe established by the FCRA, the Consumer Protection Act, and the TruthinLendingAct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute via certified mail on XXXX XXXX  2017 to all 3 credit bureaus : TansUnion, XXXX, and XXXX. I disputed two accounts, XXXX XXXX and XXXX XXXX, stating I was no longer liable and requested they be removed from all three credit bureaus. I received notification from XXXX stating the accounts in questions were deleted from my credit file. I have also received notice back from TransUnion were they are stated the information was verified, but not validated. I have not received any proof of the verification or validation regarding these disputes from TransUnion. I have not received anything from XXXX regarding this dispute and it has been over 30 days. I contacted XXXX about the disputes and the rep stated she did not see where it had been submitted and for me to do it online or mail it in. I advised the rep that I had also faxed information, but she stated she did not see that information and maybe I needed to upload it. I have copies of all the disputes that were sent to all 3 bureaus and a copy of the certified receipts and the results from XXXX stating that these accounts were removed and deleted.
Product: Credit card or prepaid card

My complaint is with the First National Bank of Omaha, XXXX XXXX XXXX XXXX Nebraska XXXX. I have a credit card issued by First National for which I paid the full statement balance for the statement ending XXXX XXXX 2018 prior to the due date of XXXX XXXX 2018. Interest in the amount of {$15.00} was applied to the statement ending XXXX XXXX 2018. After looking at the statement ending XXXX XXXX 2018, I called First National on four separate occasions to clarify the interest charge and request that it be removed. I requested for a letter from First National with an explanation ( including calculations of the balance amount, days of interest and interest rate ) showing how the interest charge of {$15.00} was determined. I have not received such a letter, just a generic users agreement. During one of the calls to First National, I was informed a " Tail End Interest Policy '' allowed them to apply the interest to the statement ending XXXX XXXX 2018. The " Tail End Interest Policy '' is essentially applying interest over two statement periods. If XXXX XXXX is permitted to apply interest over two statement periods, their credit card customers should be able to pay their statements ( without penalty ) once every two months! Even if I agreed to the terms of the " Tail End Interest Policy '' in the user agreement without realizing it, the interest charge of {$15.00} was applied for a unpaid balance of {$28.00} on the statement ending XXXX XXXX 2018!
Product: Credit reporting or other personal consumer reports

I have been a victim of XXXX XXXX, as a result I have debt bondage and have negative items on my credit report that need to be removed per FCRA 605C.
Product: Credit card

My credit card score was close to XXXX and I pay all of my bills on time and have had a 100 % payment history for years. PayPal Credit has a rating of XXXXXXXX XXXX the consumer affairs websiteXXXX XXXX XXXX XXXX  I purchased a product from the XXXX website with PayPal Credit XXXX It never came to my address, but it showed delivered on their end through XXXX. I never received the jacket that I had purchased or a refund. 
I have tried several times to correct this issue opening several cases and contacting XXXX, PayPal Credit, and Synchrony Bank. XXXX never responded to the last messages, and PayPal Credit reimbursed the account for the charge then added the charge back to the account. When asked why, they said over the phone that they readded the charge ( {$280.00} ) because the dispute was for a mischarge rather than an item not received. I handled the mischarge with XXXX without an issue, so I am not sure how that was mishandled. I was reassured by PayPal Credit that I would receive a refund to my account. 
I requested PayPal Credit to lower the credit limit on my account while the issue is still open, as they have been charging me interest on an item that I never received. I asked them to lower the limit to {$300.00}. They lowered it to {$3000.00}. My credit score is now XXXX. My first card I opened had a credit limit of {$750.00} when my credit limit was that low. I would like a refund and the interest taken off of my account, which I owe a - {$60.00} balance on. I had financed some gold rings as an investment that I had purchased on XXXX and had overpaid for the charges. My credit is being extorted and interest is piling up for an item that I never received, and I need to get in contact with a member of congress to help myself and others that are being victimized by PayPal Credit. I have not done business with Paypal, Paypal Credit, or XXXX XXXX and only shop online from vendors I trust and have had several XXXX  cameras installed since this incident has taken place.
Product: Mortgage

Bank and mortgage company are merging. 

I do not have online access to make my mortgage payment. Calling on XXXX number just says to hold for hours on the phone. Just get continuously told to hold on for next rep. No rep comes on.
Product: Mortgage

I had the XXXX XXXX with XXXX pay a house payment in XX/XX/2021 but they needed a W9 from Selene finance before they could help again it took from XXXX to XXXX before they would do there job and send the W9. This out everything bin a bind for all those months. The XXXX XXXX XXXX NC through XXXX sent another check for XXXX to get house caught up but the check has never been found. This is now XXXX. I was forced to leave house because XXXX is not a program for me but my husband who has XXXX. I was abused and had no choice but to go in a XXXX XXXX I have 45 days to get a place to live and I am XXXX. So low income housing I can't get unless this house is outy name. I have a buyer that wishes to buy the house but Selene finance again will not comply with a payoff email or anything the name of the bank that the loan is at or anything to help with this. They are shady and are stalling for whatever reason. I need your help. I have no car must email everything could have went back to house if Selene would have been willing to follow through with anything they should. They are by far the worse servicer of this loan that has been on it. Ease help me with getting the bank and the buyer together on this property so I can get it out of my name and on with my life. I shouldn't be XXXX because of a shady servicer.
Product: Debt collection

I received the attached email of what appears to be a fake debt collection attempt. I don't believe it to be a legitimate debt collection and I do not owe such amount to this company.
Product: Credit reporting

Here 's my experiance : About two weeks ago, I logged on to Experian, put in my sensitive personal information, and was given the choice of spending about {$30.00} to get ALL XXXX credit reports, or spend NOTHING, and just get the Experian report. OR ( and this is what I did ), I could pay a BUCK ( {$1.00} ) and also get my FICO score, which one does not normally get with the free report. 

So that 's what I did. Except, in tiny letters, it says, " Includes 7-day trial membership ... '' It does n't say that there 's a COST associated with it. Just that you 're automatically enrolled. And there 's no way to opt out before paying that {$1.00}. 

But there IS a cost associated with it. It 's {$19.00}. However, I just found out that cost 2 WEEKS after I thought I had gotten my credit report and FICO score from them. It finally showed up on my on-line bank statement a day or two ago. By the way, when I got the " Welcome to the club! '' email from Experian, it still said NOTHING about the cost, or that it was a recurring monthly cost. 

So I called Experian 's customer support. Experian says you can cancel. So I did. We shall see if that " takes. '' I give them a XXXX/XXXX chance. 

They also say that you can be refunded your " prorated amount when you cancel. '' That has turned out to be a lie, since they repeatedly refused to refund me ANYTHING. 

But I never agreed to $ XXXX/MONTH, and there was no " Opt Out '' feature when I thought I was paying {$1.00} for the FICO score XXXX Therefore, I demanded full reimbursement. They refused. 

What I wound up doing is calling my bank, and disputing the charge. Also, contacting Experian 's billing department to demand full reimbursement. 

And I figured YOU guys might be interested, since ( from a XXXX article ) : '' In XXXX 2005, Experian accepted a settlement with the Federal Trade Commission ( FTC ) over charges that Experian had violated a previous settlement with the FTC. The FTC 's allegations concerned customers who signed up for the " free credit report '' at Experian 's Consumerinfo.com site. The FTC alleged that ads for the " free credit report '' did not adequately disclose that Experian would automatically enroll customers in Experian 's {$79.00} credit-monitoring program. " Thank you for your time.
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. 

The accounts below have violated my rights : 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 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. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX  ACOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXX XXXX  XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX XXXX ACCOUNT XXXX XXXX However, they stated everything was complete and accurate, but how is this possible if the open date, date of last activity, and much more is incorrect? 

According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 USC 1681 section 602 A. States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions The Federal law 15 U.S. Code Subchapter III CREDIT REPORTING AGENCIES 1681i - Procedure in case of disputed accuracy states 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 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 the information is inaccurate I am requesting Experian, XXXX, and XXXX remove this accounts from my credit report due to inaccuracies and falsely claiming this information is correct
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection debt disputed and removed via XXXX, shows up on Transunion still months later
Product: Credit reporting, credit repair services, or other personal consumer reports

It is very important to note that I am a victim of identity and this company fails to take this into account. I first disputed this on XXXX and sent over all the documents to verify my claims but to my surprise, these company still reports these fraudulent or linked to fraudulent activity accounts. 

I do hereby declare my intention to sue however, I will greatly appreciate if we can do away with the legal battle and have this good office do the following : ( 1 ) remove any and all misleading personal information items, ( 2 ) update and correct the accounts that Ive stated in the attached letter, ( 3 ) remove/delete the other accounts that are not mine and which I have absolutely no knowledge of, or are unverifiable, incomplete, and obsolete. 

Among the particular items of focus is the reporting of the following : 1. ) XXXX CARD ref # XXXX late payment history incurred due to fraudulent activities on this account. 
2. ) XXXX XXXX XXXX ref # XXXX -- - this is not my account. I am not liable on this account. Delete this from my credit report.