23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a Symphony Bank-Amazon credit card which was paid off and closed in XX/XX/year>. In XX/XX/year> Amazon reopened the account, and I was sent a statement for items I never ordered or received. There was nothing on the statement stating what I was supposed to of purchase or date of purchase. Amazon refuses to discuss the problem with me and Symphony Bank-Amazon also refuses to speak to me. I sent Symphony Bank-Amazon all the invoices that I printed out online from Amazon 's website which includes what was purchased, the amount, and date sent. I also sent them my bank statement that proved that I paid the bill in full before closing the account. Symphony Bank agrees that I closed the account in XX/XX/year> but sent me a statement in XX/XX/year> for {$690.00}. There were no returns of funds, which they agree. Symphony Bank-Amazon and Amazon just reopened the account and sent me a statement for payment. After I went over the invoices and bank statement, I realized I actually overpaid Symphony Bank-Amazon {$1000.00} which is my fault for not going over their statements more closely. I am XXXX XXXX XXXX and believed if they sent me a bill for a certain amount I must owe them. I will never make that mistake again. All I have received from Symphony Bank have been form letters. The first one said they agreed with Amazon and after I sent them all the invoices from Amazon with my bank statement, ( I did magic marker off my bank account, but they already have it from my payments. ) They sent me a second letter stating they need additional information. If Amazon makes up new invoices after I downloaded all the invoices in XXXX, then they are forging invoices to cover themselves. I don't know what other information they want to prove that they have completed a fraud against me since they did not give me any idea what more proof I can supply. They want me to supply them with a police report. I guess they want me to go to the Sheriff 's Department and accuse Symphony Bank-Amazon and Amazon of completing a fraud against the XXXX. I don't know where the Sheriff 's Department is, and we do not have a local police Department. I really don't want to call the Sheriff 's Department and have them come all the way out here for this. What are they going to do about this? Tell me that this is a civil matter.
Product: Credit card or prepaid card

Yesterday XX/XX/23 I did apply for the new credit card Discover IT. During this process I went through application process and my application was approved with {$4000.00} credit limit on my card. Discover did check my credit score and right after that my Credit Score went XXXX points down. When I was filling this application Discover informed me about the Credit Score check and stated that my Credit Score would not be affected. 
I did call Discover XX/XX/23 and asked them what is going on? They told me Discover have nothing to do with my Credit score. At this point I did ask them to cancel my Credit Card application opened few hours before.
Product: Mortgage

I was told by an Agent of Nationstar that they do not charge a fee for pay online customers on their website if the account is current as well as up to 9 days past due, They go thru XXXX XXXX and do not charge Customers the fee to pay online. At 9 days past due and after to pay online on their website they charge a transaction fee of XXXX which they state goes to XXXX. XXXX This is on top of a late fee at 15 days past due. ) The concern here is that current and past due customers up to XXXX XXXX do not have to pay for XXXX services, but customers after XXXX XXXX have to- this is targeting a group of individuals and is unacceptable. Either way the fee should be subsidized for ALL Clients or the fee charged for ALL Clients. XXXX doesnt know that these folks are past due. I can not stand dealing with this company, the right hand has no clue what the left hand is doing and I 've had to spend my valuable time doing this research- I was on the phone for just shy of an HOUR with them on XXXX XXXX unacceptable!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX  XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXXXXXX XXXX {$15.00} XX/XX/XXXX XXXX XXXXXXXX {$0.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am accusing JP Morgan Chase of not following the PPP loan instructions from the federal government. JP Morgan Chase has accepted hundred of thousands of loans in regard to federal Payroll Protection Program, JP Morgan Chase has decided to " cherry '' pick out of the applicants for the purpose of benefiting Chase and not benefiting applicants. The PPP loan was not designed to benefit banks and no bank should be allowed to pick and choose who they want to give the loan to based off the SBA guidence, JP Morgan Chase did not disclose that they would serve large companies prior to small companies and has mislead small businesses into applying. I would ask that you look into who JP Morgan Chase provided a PPP loan to first ( such as XXXX XXXX XXXX XXXX  ) who owes millions of dollars to Chase, you will see they are picking who owes Chase the most money and when they provide the in debt company a PPP loan first then they will have protection on an debt due. This is discrimination and I request this to be looked into. I would also like to file a complaint that Chase has not provided confirmation emails in regard to loan applications being submitted ( in regard to PPP loan ), this leaves individuals in limbo and not knowing what is going on which prevents applicants receiving well needed loans.
Product: Debt collection

This is a complaint against Credence Resource Management. This is my second attempt to receive information this was requested which is : 1. Purchase Agreement 2. The amount of the debt. 3. The name of the creditor to whom the debt is owed. 4. Verification that the statute of limitations has not expired on this debt ; 5. Details of the agreement that authorizes you to collect this debt. And proof that you are registered ( authorized to conduct business ) to collect in Florida of which I am a resident. A statement is not a verification of debt. If you can not provide the requested information then you need to cease all communication with me and cease communication with any third party ( XXXX, XXXX, XXXX ). Again a statement is NOT proof of verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Via the attached Certified letter which Experian acknowledged to me via email receiving on or around XX/XX/XXXX, Experian failed to address two of the inquiries as follows : XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX
Product: Student loan

I am experiencing financial hardship and I have taken steps with Navient to try to remedy the situation, but they continue to call my cellphone about 9 times a day from XXXX or XXXX different numbers. This has been happening for the last ten weeks, at least.
Product: Credit reporting or other personal consumer reports

Do you know or have any idea how XXXX  it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my XXXX XXXX and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a pursuant of 15 U.S Code 1681 S-2 - Responsibility of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such " person '' by consumer. The person may not furnish the information to any consumer reporting agency without notice that such information is or was disputed by the consumer. 

With that being said this has caused me deep stress and XXXX because I have not been able to get approved for any lines of credit or any mortgages because of this unfair and misleading item on my credit report. This corporation has violated this law and Under 15 US Code 1681 S-2 and I would like this account allege late payments to be removed off of my credit report Immediately or I will seek monetary damages in my city and state under 15 USC 1681n civil liability.
Product: Checking or savings account

I applied for Hancock whitney online checking account opening process. Initiated a deposit of {$51.00} to have this process kick started. Today I got a call and then an email to send the photo id by email. Gentleman stated that application got stuck in the system. I sent the DL scanned copy. After few minutes- got an email with how to access the account online. I already uploaded the photo id by online application process. 

Step 1 : You'll be able to log in the day after opening your account. Download the Hancock Whitney mobile app on your smart device.

For Online Banking, go to hancockwhitney.com and use the Personal Online Banking option from the drop down menu. 

Step 2 : Log in with your initial credentials below : User ID : first and last initial + 8 digit DOB ( i.e. XXXX ) Initial Password : " Go '' plus the last six ( 6 ) digits of your social security number ( i.e. XXXX ) None of this worked. 
Called XXXX at XXXX XXXX  and was talking to XXXX. She got all the information about me, Social security number, date of birth, can verify me by sending the text message to my registered phone. But still I can not login and get my account number and routing number. She told me due to security reasons she can't provide me this. 

It seems that this bank- Hancock Whitney is not at all organized and all the parts are broken. Worst thing- they have the customer facing employees like XXXX who are thinking that they are doing a favor to the customers by working in this bank. Hancock Whitney must accept that their systems are not working and report it to the customers ( website and automate calls ) rather than be so coward and shameless not to admit and acknowledge that any problem exists.

Moreover if the online system doesn't work- there are alternative ways to serve the customers rather than having sorry face.

It's a chicken and egg situation - customer service won't provide the account number and without account number, customer like me can not have the online access. Shame on Hancock Whitney.
Product: Student loan

I am in debt to Navient, or XXXX XXXX - not sure how everything works. Anyways, my XXXX 4 years ago and I submitted paperwork through the Navient site to have my loans dismissed. I guess I got some of my loans dismissed, but others were still active? 

The loan serviced has been ringing me off the hook for months and XXXX me around just as long. 

When they called a few months back and I explained I should have everything dismissed due to XXXX they said that the paperwork I filled out was only for a specific set of loans and not the ones they were calling about. 

I asked them where I could find the paperwork to print out for the remaining loans and they said, " You ca n't print those out, we need to send them to you. '' Alright - cool, that was literally months ago. I 've spoken to them twice since but basically refuse to pick the phone up because of their sharkish practices of calling me at all hours of the day and night. Who calls past XXXX or XXXX - honestly? 

The loan provider somehow is incapable of getting me the necessary paperwork to fill out for my XXXX, but are perfectly capable of getting repayment reminders to my mailbox. 

I 'm at my wits end - I do n't know what to do to try and deal with these crooks. 

Oh, yea, Navient - I know you 're having the pants sued off you as we speak. 

I do n't know if this is the proper channel to go through to try to find some help, but I really hope you can.
Product: Credit card or prepaid card

America First Credit Union stated I opened two accounts with them. A loan and credit card. I had not. I asked them to send me original documents with my wet ink signature proving that I opened these accounts and gave authorization to pull my credit and I have not received them. I have requested six times for this information. They have not responded.
Product: Debt collection

I have an invoice from the company, XXXX, the actual date that the debt was acquired and if you look at their information, each debt that was acquired on the same day has a different date that the date was acquired. The actual company is synchrony bank and they sold it to XXXX XXXX, which is not authorize by me to have my debt my is with synchrony bank I required the information from synchrony Bank but they informed me that the information was shredded and they no longer have it after XXXX years which I know that they sold my information to XXXX XXXX  and XXXX XXXX XXXX is not answering phone calls not giving me the proper information and I sent the certified letter. I also talk to the fraud department with XXXX XXXX, and they refused to give me the information as well, I will leave a copy of my invoice stating that this company is not who I required the debt with and Im asking for this debt to be deleted off my credit report
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding TransUnions repeated failure to address unauthorized inquiries on my credit report, despite proper documentation and multiple disputes. Their refusal to comply with federal regulations under the Fair Credit Reporting Act ( FCRA ) constitutes willful noncompliance and has caused harm to my creditworthiness and financial standing. 

Key Issues : 1. Unauthorized Inquiries : I am disputing the following hard inquiries that appear on my TransUnion credit report because they were made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized by me. Based on the timing and volume of these inquiries, it is clear that my information was misused, likely by a third-party dealership or intermediary. This behavior harms my credit profile and does not reflect my borrowing activity. Note : I am not disputing the inquiry from XXXX XXXX XXXX, as it is legitimate and authorized. 
2. Harm Caused : These unauthorized inquiries have negatively impacted my credit score, resulting in reduced creditworthiness and higher interest rates on potential loans. 
The repeated use of my information without consent constitutes a violation of my rights under the FCRA. 

TransUnions failure to remove these unauthorized inquiries has caused a decrease in my credit score, Increased financial strain due to higher borrowing costs, and emotional distress and wasted time disputing these issues repeatedly.
Product: Student loan

My student loans are currently in forbearance because of the SAVE litigation. I do not want to be in forbearance because none of these months count towards my PSLF payment count. I have tried to call Mohela but am not able to even get through to a customer service representative. There is no way to get information about my loans either through Mohela or through Student Aid or through the Department of Education.
Product: Mortgage

Wells Fargo Bank ( WFB ) placed a hold on a {$2000.00} payment I made to my WFB HELOC on XXXX XXXX, 2015. WFB removed the hold. Then, on XXXX XXXX, 2015, WFB placed a NEW hold on this payment. I have complained in person and on the phone EVERY day to no avail. The payment is XXXX of XXXX payments I made from my XXXX account through XXXX Bill Pay between XXXX and XXXX 2015. I have never been late or in default on this loan in ANY way. I have NO mortgage or liens of ANY kind on my house other than this HELOC, which represents LESS than 10 % of its current value. I am afraid to make any more payments, but if I do n't, WFB will foreclose. Please help.
Product: Credit card or prepaid card

My XXXX XXXX gave me a brochure from XXXX XXXX, which offered financing for my procedure. They had a plan where you could spread the cost over 12 months with no interest. I was told I would need to call them directly to apply. I called and began to set up my account with their bank, Comenity Capital Bank. They took the entire application online. Once approved, the credit could only be used for that procedure, with my doctor. The rep told me that for the 1 year financing with zero interest, I would have to let THEM know the total cost of my procedure, and they would calculate the EXACT monthly payment necessary, so that I would pay no interest. 

The rep put me on hold and finally came back and said I would need to pay {$1400.00} every month, in order to have the " zero interest plan. '' I soon got a letter of credit approval in the mail. The letter was dated XXXX. It did NOT state the beginning and end of my 12 month promo period ; only that " once I made a purchase, '' ( my XXXX ), I would get a statement. My XXXX was on XXXX. Once I got my first statement, I set up auto-pay so every payment of {$1400.00} would be on time. The final payment came out to {$1400.00}, also paid on time. 

I then considered my debt paid. The next month I got a bill for {$3100.00} in interest, since I had " exceeded the 12 month promo period. '' NOWHERE did they define the start and end of the promo period. I NEVER go a copy of any credit agreement I signed. I paid the monthly amount THEY calculated. They used the credit APPROVAL date as the start of the promo period ( but never told me ) rather than my XXXX date, which was my " purchase. '' I think all their literature and procedures are Intentionally Misleading, in order to collect interest unfairly. I filed a dispute, but they sent me a letter saying they " need 90 days to investigate. '' Meanwhile they add over $ 100  monthly in interest and late fees. I have attached some supporting documents, with my notes.
Product: Credit card or prepaid card

XX/XX/XXXX : Received a billing statement for an account with Comenity Bank that I was unaware was still active. I previously opened this account to buy something on XXXX month special financing terms which ended in XX/XX/XXXX. The current billing statement showed 22 individual {$.00} charges which I did not recognize. Based on previous experiences with other creditors, this is a typical activity of fraudsters. This particular card issuer apparently lacks safe gaurds to identify this type of activity. Any other banks I have worked with would have called me to notify me of such illegal activity. The card was unused for years and then randomly has numerous small charges in a row. Seem 's like a red flag but I am no expert. 

XX/XX/XXXX : Went to the card issuer 's website from my home computer which had a login and password saved on it for their website. I called the number on the website to report a fraud claim. Spent XXXX hours hold over the phone and was unable to report to their fraud department. The only person I was able to communicate with was through a 3rd party call center. I sent messages on XXXX and their online portal to call me and cancel the card. I was contacted via XXXX support then and was told someone would call me the following business day. 

XX/XX/XXXX : I received a phone call today and was immediately put back into a phone queue with seemingly endless hold time. I've waited hours on hold for the past 2 days. I can not manage my workflow and keep waiting on hold so I have yet to report the illegal activity. It is not reasonable to wait on hold all day to report fraud. I have a job and a family to care for. This company should have the proper staff to accept fraud reports in a reasonable amount of time. I still have not reported this to their fraud department and can not wait on hold for hours to do so.
Product: Payday loan, title loan, or personal loan

I owe a debt to XXXX XXXX XXXX in the amount of {$3300.00}. I was contacted in writing by XXXX XXXX XXXX in XX/XX/XXXX in an attempt to collect this debt on behalf of Rise. I wrote a letter dated XX/XX/XXXX explaining that I had an open Chapter XXXX case that I was converting to a Chapter XXXX but was willing to make a settlement for 20 % of the amount owed. I mailed the letter to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, KS XXXX. I never received a response from this company agreeing to the settlement or stating that payment was due in full. On XX/XX/XXXX at XXXX XXXX I received a call at my place of employment from XXXX XXXX with Rise at XXXX and XXXX. When I first answered the call she did not tell me what the call was in reference to she only stated that she spoke to me back in XX/XX/XXXX { which is a lie } XX/XX/XXXX was the first time I spoke to this woman. and asked if I had a pen and some paper. I asked her was this in reference to a patient and she said no this is regarding your debt with Rise. I Said to her do not call me on my job but contact me in writing. She started screaming in the phone WE DID WRITE YOU, PAY YOUR BILLS, PAY YOUR BILLS WHILE YOU STILL HAVE A JOB, ARE YOU GOING TO PAY YOUR BILLS? ARE YOU GOING TO PAY THIS {$3300.00} THAT YOU OWE? She was screaming so loud and she would not let me speak, finally she stopped and I asked her for her name again and she screamed MY NAME IS PAY YOUR BILLS. I calmly stated I have your name XXXX XXXX and hung up the phone. I have have struggled with medical illnesses from XXXX { twice }, XXXX, XXXX, XXXX and and car repairs since XX/XX/XXXX and offered to pay what I was able to pay If they plan to sue me that is fine but I do not appreciate being talked to with such disrespect and rudeness.I would appreciate if they not contact me again about this debt.
Product: Payday loan, title loan, or personal loan

This company charges you taxes on the loan payments. This is in addition to the taxes paid on the original merchandise order the loan was for. They also do not charge you on the days you input for payments, resulting in insufficient fund charges and late fees. Went to pay it off. The balance went from {$530.00} to {$1000.00} in a week. This is outrageous. And the tax on a payment of {$600.00} was {$51.00}. This was almost double what the tax was on the original order alone. The XXXX XXXX XXXX make it sound like the tax is ONLY on the merchandise order. Not each loan payment. They are very predatory! They also do not answer the calls or chats. Chats will say they are closed and goodbye and shut down.
Product: Credit reporting or other personal consumer reports

I received a bunch of denials from Pre-Qualification Inquiries that I did not do. From XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and US Bank. I received these notices beginning of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and noticed multiple inaccuracies. There were several unauthorized inquiries that alarmed me. I immediately contacted Equifax, in part, because I have been a victim of identify theft in the past and also because I was affected by their data breach last year. Equifax was not helpful and requested I file a complaint with CFPB or provide an Identity Theft Affidavit. I am choosing to do both and expect a quick remedy to this issue. I would also like to add a 90 day security/ fraud alert to my file. The following inquiries are unauthorized and I would like to dispute and have them removed from my credit report ASAP : XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX onXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX/ XXXX onXX/XX/XXXX