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

On XXXX/XXXX/22 I took a a cashiers ck in the amt of {$3800.00} to a Sams club to pay off my Sams credit card account. The payment was posted by Synchrony Financial who manages the Sams credit cards and a week later it was reversed. They said it was returned by the bank in which had issued it. I got confirmation from the bank that it was not been returned. When I called, they asked that I take it back to any Sams Club store and have it resubmitted. I then took the cashiers ck to another store on XX/XX//22, they said I had to take it through the cashier and they would process it. It was again posted to my account and a week later it was again reversed and my account was closed due to having 2 payments returned. I contacted the bank again to see if the cashiers ck had cleared and it had so I sent a dispute to Synchrony showing that I had made the payments and it was corrected but they would not reopen my account. 

I also have a CareCredit card that is also managed by Synchrony and because they show 2 payments returned on my Sams card, Synchrony also closed my Carecredit card and both are reported as closed by creditor on my credit report which I consider as derogatory comments. It will affect my credit score for something that was not my fault. Both cards were paid off with cashiers checks and both are managed by Synchrony Financial. I disputed the closing of my CareCredit card and they stated that the Sams store reversed my payment both times that I took it up there. If that was the case, why would they then reverse the return and post it to my account? They told me I had to contact the store to find out why it was initially reversed on both occasions. I have called multiple times and spoke to the frontend managers at the store located in XXXX XXXX, Texas. I was told that I would get an email or a call from the accounting dept to try and see what happened but no one has called. I called and asked to speak to the store manager and they refused to let me speak with him.

I have had my CareCredit card for a very long time, they will not reopen it unless I can prove that the payments on my Sams card were reversed in error by Sams Club. I can not get anyone to tell me why a cashiers check was reversed or anyone to help me with the issue.
Product: Checking or savings account

This month I paid some of my credit card bills online. When I submitted the payments, I had enough money in my account. However, I bought something on XXXX, and they overcharged me. I noticed the error and corrected it with XXXX. They refunded me the overage on ( XXXX ). However, this overage put me in the negative and I did not know it. I just so happened to check my account ( XXXX ) to make sure the refund was applied and noticed that my bills had been paid but my account was negative {$32.00}. I had not received notice from the bank that my account was negative, and it was late when I realized it, so I had to go to the atm the next day ( XXXX ) to deposit more money. I brought the account up to a positive {$8.00} and thought that was all. Today, XXXX I got an alert that my account may be insufficient funds and one of my bills payments was returned. The notice on XXXX was the only notice that my account was overdrawn. I went to my account ; part of my paycheck had been deposited, adding additional funds to cover the payments. Now my payment has been returned and I had to send another payment to cover the amount plus any fees that I may be charged. 
I know that the bank is doing this because of a lawsuit that they won. I know that I still owe them money and have not been able to pay because of some medical issues I face but sending back my other payment for spite is just over the top. I told them upfront that the account they sued me over was opened by a family member. When I realized they had the card I ripped it up and thought that was the end of it. I was a minor and in the middle of planning to go to college and did not realize that I had to call the bank to close the account. I just cut up the card and sent it back. I found out that they had another card resent claiming it was lost. I have let the lawyers know about my medical and financial issues, so I dont know why every month I payments have sent back after I have put money in the account to cover them. 

When you cost me money with my other creditors this only delays my ability to pay off the judgement.
Product: Credit reporting, credit repair services, or other personal consumer reports

All inquiries were made on address I no longer reside and have not lived it in more than 2 years. 


XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Multiple Inquiries were made on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX ( Equifax ) inquiry was made on XX/XX/XXXX ( XXXX  ) 4 inquiries from XXXX card alone! 

XXXX/XXXX XXXX. XXXX XXXX XXXX Florida XXXX XXXX The inquiry was made on XX/XX/XXXX ( XXXX ) XXXX - No credit contact information available on my credit report and the bureau still refused to remove it. There is no way for me to contact the company. 
The inquiry was made on XX/XX/XXXX ( Equifax ) After checking my report in XX/XX/XXXX, I noticed all of the XXXX inquiries, I put a fraud alert on my account, this only helps if credit is approved because credit can not be extended if the company does not reach out to me directly. However, it does not prevent criminals from applying for credit, after I initiated my fraud alert some additional attempts were made and the inquiries still count against me. I contacted the credit bureaus and the companies XXXX, XXXX, and they said there was nothing they could do because credit was not extended. The credit bureau stated they could not take the inquiry off my credit. They only directed me to contact the companies directly ; the companies send you in circles because you do not have an actual account therefore no one helps you. I tried contacting the local police to see if i could file a report however nothing was done because no credit was extended.
Product: Student loan

I submitted this complaint already and when I logged in I saw a message that the matter was closed and the company responded. This is not the case. They never responded. I had student loans for my kids with Navient. The interest and repayment did not make sense - and this was confirmed by my accountant. When I made a payment nothing went to principal and my balance kept growing. I refinanced this loan to get away from this usury debt. However, I believe that Navient owes me money due to their incorrect calculations. Before I left Navient I asked for paperwork on how they calculated my interest and they would not give me anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On   XXXX   XXXX   , 2017 a c reditor known as  XXXX   XXXX  showed up on my credit. There is no contact information that was provided for this creditor, and I do not recall doing anything that would result in a hard credit inquiry.
Product: Mortgage

To date and at the time of this submission, I have lodged XXXX Consumer Financial Protection Bureau ( CFPB ) Complaints that are automatically forwarded to the Department of Justice and the California State Attorney General ( AG ) related to Bank of America and my dealings with this company throughout loss mitigation workout assistance and processes. 
Bank of America has never once provided me with a response actually addressing many of my concerns deciding to continue on as they have been by misstating my concerns, supplying non-responsive replies, or cease communication altogether. 
The latest instance of this show of lack of good faith was XXXX XXXX, 2016 through the written response provided by their current legal advisors. It is unclear if Bank of America has withheld material facts from their retained attorneys who then proceeded to respond based on the information provided to them by Bank of America, or if the legal response is based on the account records including, but not limited to, internal Bank of America documents and documentation.
Product: Credit reporting

I am disputing the only adverse account on my report, which is XXXX # XXXX XXXX XXXX XXXX XXXX for the amount of {$410.00}. This entry is totally fraudulent and I am requesting that it be removed immediately. 
Here are the facts : XXXX failed to provide service for the amount which was agreed to, and subsequently terminated my service after ten months of service. XXXX broke the agreement by not only overcharging me every month but also by terminating my services on XXXX XXXX, 2013 when my bill was paid in full thru XXXX XXXX, 2013. 
On Friday, XXXX XXXX, 2013, at approximately XXXX when I called to complain about fraudulent charges being on my bill for the tenth month in a row, XXXX immediately disconnected my services even though my bill was paid in full thru XXXX XXXX, 2013. I can only assume that XXXX was tired of my continual complaining about the fraudulent charges every month so they decided to terminate my services when I repeatedly complained about the fraudulent charges. 
When I noticed that the services were turned off, I called XXXX back to again complain and I was told that the services had been disconnected and that I would receive a credit for the remaining eleven days on a final bill. XXXX owes me {$14.00} for disconnecting my services on XXXX XXXX, 2013 when my account was paid in full thru XXXX XXXX, 2013. 
I owe XXXX nothing!
Product: Mortgage

Tried to change password on my PNC Mortgage Account. Received email saying psw was changed. Tried to access account using new password - got " SYSTEM ERROR '' message. Tired to contact PNC Mortgage using the following number : Please contact our Customer Service & Support if you need further assistance. Call Center XXXX === Called the above number and all I heard were solicitations for medical devices and XXXX offers ... Tried to " XXXX '' out, but nothing worked. I have had my mortgage with PNC for over 6 years. This is terrible customer service! This should not be allowed! 
=== Tried to reset PSW and received email PSW was changed. Tried to logon with it. Got the same error : " SYSTEM ERROR '' I understand security is important but I spent over 45 minutes trying to access my account!!! I feel PNC should compensate me for my time! 

I will be finding a new bank for my mortgage. Terrible customer service!
Product: Credit reporting or other personal consumer reports

I have a fraudulent account on my credit report, which I reported it to XXXXXXXX XXXX, yet XXXXXXXX XXXX is not removing this fraudulent account. XXXXXXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXXXXXX XXXX  has refused to do this. The following is the fraudulent account : XXXX / XXXX / XXXX.
Product: Checking or savings account

I would like to share this complaint as i have tried to resolve things with the Citibank about 15 times over the past 2 months and they have been of zero help. Citi offered a citigold promotion which they are still offering today. The promo was from XX/XX/XXXX to XX/XX/XXXX. Being a new client i opened a citigold account the XXXX of XXXX last year. Per their requirements after 60 days you receive the promo. I met the requirements and did not receive the promo. I currently still have the accounts opened and its been over 100 days at this point. I called in to basically say hey i have all the documents printed out here in front of me where is my promo money? The rep said i will receive it in no more than a week. I call back a week later around XX/XX/XXXX saying hey where is my promo? They said i have to now wait 90 days. I was upset, called back and asked for manager but they said i can not speak to one so i hung up. Called back a week later asking for manager but they said none are present. That rep went ahead and told me this happens often and she will open an inquiry. Once the inquiry is reviewed and if the client being me has met the requirements, it speeds up the process and i will see the promo money within 48hrs after. The inquiry was open. Received a letter in the mail stating the issue has been resolved and i met the requirements. Still no promo money so i called back and they said the rep gave me false info. Called back a week later around XX/XX/XXXX and asked for a manager, again none present. Rep said 90 days and i hung up. Today online i sent a message to the citi chat and asked for an email address to send in my issue. Rep said Citi does not have an email address. I thought that was absurd enough for me to come here to CFPB and make this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have continue to contact the three credit bureaus XXXX XXXX XXXX and Experian about a bankruptcy reporting on my credit report that should not be reporting on my credit report because it is reporting information that I did not give permission. It has since been removed from the files of XXXX and it should be removed from all of my files from the three credit bureaus but it continues to report that it is verified and continues to report an accurate report while hurting my credit at the same time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in Question is with XXXX XXXX. The payment was delinquent and was eventually charged off. The problem is the XXXX XXXX is refusing to update the dates correctly. This account should have been removed from my credit reports in XXXX of this year, however now it is has once again continued to stay on my report and XXXX XXXX nor the XXXX Credit Bureaus will correct the dates and remove this information as they should according to the FCRA and Federal Law. 

The date of first delinquency on this account was XXXX, XXXX. This means that according to the FCRA and Federal Law this account should have been removed. I am not sure what sort of games XXXX XXXX is playing but every time I call to speak with a rep, no one will work with me. I have contacted and disputed this information with all XXXX credit reporting agencies and they continue to report the innacurate information. According to XXXX XXXX, XXXX  Equifax XXXX XXXX now the date of first delinquency is XX/XX/XXXX. This means that this will now be on my reports for another year or more. 

I have tried every other means to correct this issue with all parties involved and no one will listen or cares enough to actually investigate as they should to see that this information has continued to change year after year. 

It is extremely frustrating that these company 's are allowed to do this to the average consumer like myself and hurt our chances of improving our positions in life. I am not excusing the fact that I allowed this account to go delinquent and then be charged off but this was over 7 and half years ago and I am doing everything in my power to do the right things. 

You can't keep changing the finish line because you want to harm consumers, it isn't right nor legal.
Product: Debt collection

i recently saw an entry on my credit report from a company named CCS collections stating that I owed {$150.00} ( XXXX ) and {$250.00} ( XXXX ) from an insurance policy by XXXX XXXX from XXXX XXXX. The issue that I am having with this situation is I 've never been contacted from XXXX or CCS Collections regarding this matter. I was even given another policy with XXXX in XXXX without a mention of this " debt ''. The policy that I had in XXXX ended with a XXXX balance. Throughout the life of this policy, XXXX never mentioned any past due balances.I talked to a XXXX, an online CSR from XXXX indeed informed me that I had a debt of {$150.00} and that they tried to contact me, but because it was past two years, they purged their records and they have no records of this debt. I 'm pretty confident that XXXX never contacted me, but all correspondence with them was online. It is also an issue that CCS reported two different balances to XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the month of XXXX I sent to Experian a dispute where I included the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2019, I received the final response to the dispute and they were not expressed in relation to the accounts described above. 

I
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a notification from credit monitoring services stating that SYNCB/XXXX had done a hard credit check against my XXXX credit report. I had not requested any credit from Synchrony Bank or XXXX XXXX, so this clearly constituted fraudulent activity. 

On the morning of XX/XX/XXXX, I contacted Synchrony Bank by calling ( XXXX ) XXXX to report that I had not requested that any credit account be opened in my name. The customer agent told me that there was no record on file of any application for credit under my social security number. 

Also on the morning of XX/XX/XXXX, I contacted XXXX at ( XXXX ) XXXX to dispute the credit check and report fraudulent activity. The XXXX representative made a note on my file, but told me that Synchrony Bank would have to request that the credit checks be removed from my credit reports. 

On XX/XX/XXXX, I received a letter from Synchrony Bank saying that there was indeed an attempt to open a credit card in my name, but that the attempt was rejected due to an inability to verify my identity. This contradicts the information provided to me by the customer representative on XX/XX/XXXX. 

On XX/XX/XXXX, I sent a letter to Synchrony Bank ( see attachment ) requesting that the hard credit check be removed from my credit report. I have not heard any response. As of XX/XX/XXXX, the hard pull is still showing on my credit report, adversely affecting my score.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against experian for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Received letter dated XX/XX/2021 showing an account placed for collection with afni. Details show debt owed to XXXX XXXX XXXX  I have not had an account with XXXX XXXX XXXX. Tried to contact afni by phone with no success, but sent by means of the internet I connected with their web site and informed them that I did not have such account and they had probably contacted the wrong person. I have not received any response from them. I do not know if this is an error on the part of the collection agency or a case of fraud to obtain money. I have never received any contact from XXXX XXXX XXXX regarding any account, as I have stated I do not have an account with them. I think any proof of debt owed must be provided by afni if they believe they have any legitimate reason to be pursuing the action they are taking.
Product: Credit reporting or other personal consumer reports

I have previously reported that equifax is not reporting accurate information. The address on file is not mine. they responded with " IDENTIFICATION INFORMATION USED FOR BILLING AND/OR APPLICATION PURPOSES WILL APPEAR AND REMAIN ON THE CREDIT FILE ''. 

ok great then why isn't my current address that is on XXXX of my accounts on my report? my current address is no where on my reports only the address I have no access too. this is preventing my from moving forward in life and I am looking into getting a lawyer. atleast let me add my current address. I have sent them my I.D, current address, utility bill, and social security card to them. Why isn't my address correct?
Product: Debt collection

XXXX XXXX ( XXXX XXXX XXXX ) ACTION : XX/XX/2017 This letter is regarding an account, which you claim I owe {$600.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX