23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is  with Synchrony Financial Services who are t he bank for several store card suc h as Walmart, Amazon,  Pep Boys and Care Credit, which are all cards I have. In  XXXX  and  XXXX , I had issues paying my bills and was either late or missed payments. I have since rectified the situation, brought all of the accounts current and have not missed payments. the card in question is t he Walmart card.  It had a {$2000.00} limit and a balance of {$350.00}. I received a letter on  XXXX   XXXX ,   XXXX   that my credit limit was being dropped to {$370.00} due to issues with my credit report. That left me with {$17.00} open to spend. When I contacted Walmart/Synchorny they could not explain why the drop was so significant. Because they dropped my limit, it now appears that I have over utilized the credit and I will continue to receive a low  credit score beca use I am now so close to the credit limit as well as have my credit limits decreased again due to the low score. This will be a cycle that will continue with Synchrony bank until they have decreased all of my limits bas ed on two months of trouble that has since been resolved. This is the second card managed by Synchrony   Bank where the credit limit has been decreased based on credit report. The report was provided by  XXXX  and the reasons listed were existing problems that had been on my credit report for years (  a discharged bankruptcy that is over 7 years old a nd a medical collection issue that is also several years old and is due to an insurance company changing benefit amount and leaving me with a large bill that I could n't not pay ), loan balances that are too high ( I have student loans and a loans that have always been paid, a re two years old or older, existed when I had my credit approved/increased with Synchrony Bank, never been in default, payments have always been current even during the two months I has issues and their balances have not increased so I do not understand that re ason ).   Walmart/Synchrony have been unhelpful, I have called customer service repeatedly, have been hung up on and yelled by their reps, been told they have no record of my call history regarding this or they just transfer me to the   XXXX   Credit Report order hotline when they tell me they are sending me to an accou nt specialist.
Product: Checking or savings account

USAA bank has taken over {$300.00} from me in the past year by refusing to permanently issue credits to my account after disputing certain transactions. 

-XXXX XXXX my car was fraudulently towed and I had to pay {$290.00}. I explained that to USAA, but Im assuming since I couldnt prove it by XXXX they took the credit back. Not even 3 months later the business closed due to too many fraudulent tows and Im still being refused my {$300.00}. 
XXXX XXXX I ordered a {$45.00} duffel bag to take with me to give birth, but it didnt arrive on time so I bought one in person and returned the one that was mailed. During that time I got a new debit card so the funds never went back onto my card. In less than the 90 days they say it takes to investigate they closed my case and took my money, because I didnt send proof of the return when I know I did send them the email confirmation from where I ordered the item. In this case it shouldnt have been a dispute to begin with because I no longer have the item and proved it! Plus the refund was processed from the retailer so if the funds werent found at USAA they shouldve been PERMANENTLY issued but were reversed as well. 
XXXX XXXX I ordered from XXXX XXXX XXXX and spent about {$92.00}. My order was delivered an hour late, the food was disgusting and even after experiencing every part of that horrible service and then some, the manager was even more rude and refused to refund me, even just partially for the horrible delivery. Id never eat there again yet was being forced into according a gift card just so he could get off of the phone. It was enough to have asked for a refund if it had been an in person transaction, but I believe I was treated that way because I was at home. I disputed this after the manager refused to help otherwise and once again before the 90 day investigation mark the funds were reversed from my account. 

There are a couple of other charges where I was told nothing could be done just because I was unhappy with the outcome, but isnt that the point of us being the consumer spending money? Im sure Im not the only one to expect a refund when I dont receive what Ive paid for.

USAA did continue to refuse refunding any funds and told me they couldnt tell me any resources to help get my funds back. Im a XXXX veteran with a XXXX XXXX XXXX I dont have money to just throw away. Ive never had these issues at any other bank Ive had, they always do their due diligence and unfortunately in this case I was failed and let down. 
PS. After speaking to an agent recently I discovered that even though I have online alerts turned on I wasnt getting any emails from USAA notifying me to submit any proof/ paperwork. I didnt know about submitting anything extra till I called them to ask why the credits were reversed and I dont think I should be held liable for that since the site has numerous glitches Ive even seen myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Payday loan, title loan, personal loan, or advance loan

I received a notice indicating that my online application to the XXXX, Illinois office for {$8000.00} was approved and then denied. Upon discovering this information, I took the time to review OneMain Holdings Inc. Indenture agreement. Upon careful examination of the Indenture agreement, I noted the statement " The Security Interest in the Collateral is granted to secure the Notes. '' The definition of Collateral includes " All accounts, instruments, documents, etc., '' and it dawned on me that my application, bearing my signature, constitutes the Collateral. The Note is represented by my Application, effectively transforming it into a Promissory note ( Security ). This realization leads me to believe that I hold an account/credit with OneMain Holdings Inc and OneMain Finance Corporation automatically . Regardless of the reason for being denied, I have a right to credit. Pursuant to 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) " Regulation B protects applicants from discrimination in any aspect of a credit transaction. '' I tendered a financial asset to OneMain Holdings Inc and OneMain Finance Corporation. I am fully aware pursuant to the Security Exchange Act of 1934, and the company 's Security Exchange Commission filings Form 10-K that my application is a collateral that is securitized and sold to investors, then monetized on the secondary market. OneMain Holdings Inc and OneMain Finance Corporation is securitizing my receivable asset for your financial gain, but withholding access to my securities. OneMain Holdings Inc and OneMain Finance Corporation is also violating the Equal Credit Opportunity Act, Security Exchange Act, Credit Protection Act, Federal Consumer Financial Protection Laws and are engaging in " unfair, deceptive and abusive '' acts or practice. An equal exchange of security was issued. OneMain Holdings Inc and OneMain Finance Corporation accepted the financial asset, securitized it, sold it, but is denying me access to my securities. That is FRAUD. Please retract my application or credit my account.
Product: Checking or savings account

I have received several emails that a Debit card account has created in my name in PNC bank. I have contacted the bank, and they didn't help verify that is it really happened or not. 

This is part of the email : Your Virtual Wallet is approved and open. 
Thank you for opening a new Virtual Wallet product. Here 's what's next : Debit Card : You will receive your Virtual XXXX XXXX XXXX XXXX soon via XXXX mail. It will arrive in a plain white envelope.
Product: Mortgage

I have applied for a HELOC XXXX times with Navy Federal Credit Union. The first application in XX/XX/2023 was turned down due to high XXXX ratios. However, XXXX subsequent conversations found an error in the amount keyed into the system ( a XXXX was missing ). The second conversation revealed my monthly income was listed as my annual income. The second HELOC application submitted in XXXX XXXX, the underwriter refused to use my rental income generated from properties owned by me through my single-member LLC. My current/third application, submitted in late XXXX has consistently asked for trivial things via piece-mail. For example, XXXX weeks ago, I was asked about proof of a $ XXXX monthly XXXX fee, and then the week after that I was asked for proof of land that I paid cash for. Then last week, I was asked for last year 's tax returns. I have over $ XXXX in RE assets, $ XXXX liquid cash in my checking/savings, no credit card debt, my car is paid for, my credit score is XXXX and by my calculation, my XXXX is 20 %. What has been additionally challenging is Navy holds the first mortgage on my home. Of which I pay nearly double the required monthly payment. This whole experience feels racist, unfair, deceptive, and dismissive of my loyalty and ease of ability to repay.
Product: Debt collection

I just received a debt collection email on Sunday  XX/XX/22 at XXXX XXXX  CST. This is outside of the debt collection hours as well the email signature of the alleged company representative says they work Monday thru Friday XXXX EST. Therefore its actually XXXX XXXX  EST. 

Also on XX/XX/22 I received an email from the same representative XXXX XXXX at XXXX XXXX  CST.
Product: Mortgage

I have been in contact with Nationstar for about a year working on a loan modification. I submitted all documents requested, yet my documents were never received or expired. In the meantime, they filed for foreclosure against my wife and I. I filed an answer to the complaint promptly. Nationstar is now seeking default against my wife. They seem to be very dishonest and deceptive.
Product: Mortgage

XXXX XXXX of Quicken Loans. Every time I come close to closing the mortgage loan.. He would come up with an document that he could have asked me for several weeks ago. I have a high credit score and he has asked me for a document on four separate closing occasions. Today close to closing he stated that 60 days of account activity were missing on my bank statements that I 've faxed to him two weeks ago. The bank teller printed out those statements and signed those pages. I have been going through this with him for almost three months. I have searched the internet for complaints. I found XXXX people who had the same problem with XXXX XXXX of Quicken Loans. There are many who had the same complaints about Quicken Loans.
Product: Credit reporting or other personal consumer reports

I am following up on my previous dispute regarding the inaccurate and unverified negative accounts listed on my credit report. To date, I have not received a satisfactory response addressing my concerns.
Product: Debt collection

I called the company in XXXX, XXXX, XXXX, and XXXX to try to make a settlement concerning my bill. Now the company has sent my account to a third party and I have tried to ask them for a settlement as well and they do not want to work with me to get closer for this account. I can not afford to pay them, however at this moment I don't have a lot of funds to pay them off. Yet, They still call to ask me for the money.
Product: Checking or savings account

I wanted to cash an EE series bond at this Bank of America location, ( XXXX XXXX XXXX XXXX, XXXX, MD XXXX ). They informed me that they only cash the bonds if you are a Bank of America customer. I then wanted to open an account so I could deposit the bond. The manager informed me that they would not open an account for me so I could deposit the bond. As far as I know there is no rule about this but the manager insisted and they did not help me. This was on XX/XX/2020.
Product: Credit reporting or other personal consumer reports

It is illegal to report transactions history. Also Improper sharing of my personal financial information is a violation of my rights under 15 U.S.C. 6802-6805 of the Gramm-Leach-Bliley Act. Failure to Provide Opt-Out Opportunity 15 U.S.C. 6802.Under the GLBA, financial institutions are required to provide consumers with the opportunity to opt out of having their nonpublic personal information shared with nonaffiliated third parties. I have not been provided with a clear and conspicuous notice of my right to opt out, as mandated by 15 U.S.C. 6802 ( b ) .15 U.S.C. 6803. Section 6803 requires financial institutions to provide annual privacy notices that explain their policies for sharing personal information and the methods by which consumers can opt out. I have not received adequate or consistent privacy notices, and my nonpublic personal information appears to have been shared without proper authorization.Violation of Consumer Rights under 15 U.S.C. 6805 I am requesting CFPBs intervention to enforce my rights and ensure compliance by XXXX XXXX per the terms and conditions. Which states Regions wont share my nonpublic personal information with nonaffiliated third parties. Any unnecessary or unauthorized disclosures of my personal and financial information under the GLBA. Require XXXX, XXXX, XXXX to honor my opt-out request under XXXX XXXX. XXXX ( b ). Investigate whether XXXX XXXX is in compliance with the privacy and opt-out requirements under 15 U.S.C. 6802-6805. Also Ensure that my nonpublic personal information is no longer shared without proper authorization
Product: Money transfer, virtual currency, or money service

Coinbase has a feature that enables you to send XXXX to certain addresses and limit it to the addresses on that list. This morning the allowlist disappeared completely. This means any crypto you buy you can not send it anywhere. This makes it unable to access your money in certain circumstances and in others it makes you unable to move the crypto off the exchange.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

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Product: Credit reporting or other personal consumer reports

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 Equifax accounts-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to FCRA section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; this creditor, Comenity Bank/ Victoria XXXX with XXXX  XXXX has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2024 REGIONALAC Banking Creditor information REGIONALAC XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are items on my credit report that were supposed to be deleted in my bankruptcy and Experian wont delete them or let me submit a dispute
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 violates the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they didnt comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These acts have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX ( XXXX XXXX ) has violated my consumer rights by reporting a bankruptcy illegally on my consumer report. I did not directly or indirectly give neither XXXXXXXX XXXX or Experian or XXXX permission or consent to furnish my information. According to 15 usc 1681 ( A ) ( E ), 15 usc 1681C ( A ). They are violating and breaking legislative law thats put in place to protect me, the consumer rights. The XXXX  bankruptcy court in XXXX notified me that they do not furnish personal information to any CRAS. This is my first complaint.
Product: Debt collection

The Collection Agency Linebarger Has Been Given An Alleged Debt In Attempts To Collect It.

This Is BREAKING THE LAW!! A License Is In Fact A " Credit Card '' According To 15 usc 1602 ( i ) Defined As " any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit ''.

15 usc 1602 ( f ) " Credit '' Is Defined As " The Right Granted By A Creditor to a Debtor to Defer Payment or to Incur Debt and Defer Its Payment ''.

Since I Am The Creditor and I Have The Right to Extend My Credit To Whomever With My Authorization, and You The Debt Collector Did Not Receive Permissible Permission 15 usc 1681 ( b ) To Attempt to Collect Debt. 

I Am Ceasing All Communications With You.
Product: Credit card or prepaid card

I bought tickets to FL from XXXX XXXX on XXXX on XX/XX/XXXX found out that the relatives place I was going to stay at was destroyed by the hurricane. I tried contacting XXXX on their chat service. There was a 45 minute wait, but after 30 minutes they disconnected me from their chat! I tried again, 2nd time it was over an hour wait, and again it disconnected me from their chat after 30 minutes. 

I filed a chargeback with my credit card on XX/XX/XXXX for the {$330.00} since I was not able to contact XXXX XXXX to request a refund. I feel I made more than a reasonable attempt but their own systems kept disconnecting me, making it impossible to contact them. Guessing the hurricane swamped their staff and they didnt hire any more staff to assist. 

Then on XX/XX/XXXX my credit card was canceled with no notice to me. I had received a letter saying a new bank, Comenity, would be taking it over, but I never received any other info nor did I receive any new cards. This caused some major issues for me since I had to go out of town the next day. 

On XX/XX/XXXX I mailed XXXXComenity a payment for XXXX along with a letter explaining the chargeback, since I was concerned that the chargeback info might not have been transferred from XXXX  to Comenity. I stapled my check to the letter to make absolutely sure someone would have to see the letter. 

This check was cashed on XX/XX/XXXX. I had another small payment to make to Comenity the next month for {$83.00} which paid all my remaining charges in full except for the charged back XXXX tickets. 

On XX/XX/XXXX I received another statement from Comenity. They have taken NO action on my chargeback for two months, despite being notified of the chargeback. 

In addition they have charged me a {$25.00} late fee on the amount Ive had in dispute for them for two months. I thought they werent supposed to be able to do that for charges that are currently under dispute? 

When Comenity took over the XXXX credit card service from XXXX  XXXX XXXX, it was a complete mess. I called their customer service line on XX/XX/XXXX and it was obvious they had people answering the phones that had no training at all and were fielding calls from all the people whose cards had been canceled with no notice. Every question I asked the rep, he had to ask his supervisor. I have not attempted to call them again because they didnt have anyone who could really help customers the last time I called and I didnt see that situation getting any better.
Product: Credit reporting or other personal consumer reports

This afternoon, I discovered unauthorized inquiries on my credit report, and I have no idea why. I routinely check my credit report, but this time I noticed unexpected discrepancies. Refreshing my browser didnt resolve the issue, so Im asking for a thorough review of the documents Ive submitted to ensure this never happens again.
Product: Debt collection

I recently received a copy of my credit report and realized some information was inaccurate. I would, therefore, want to file the following dispute ; I have the same name and address as my father this has to be a mix-up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, AMERICAN PROFIT RECOVERY added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. 

They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. 
According to the FCRA, American Profit Recovery has violated my rights as a consumer multiple times and I'm requesting legal action to remove this account immediately!
Product: Credit reporting or other personal consumer reports

The wrong address is reporting on all of my credit bureau. 
XXXX XXXX XXXX XXXX, GA XXXX The wrong name is reporting on all my XXXX and XXXX credit bureau. 
XXXX, XXXX, XXXX XXXX XXXX XXXX