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

To whom it may concern : The billing issue began with an erroneous charge by Amazon to my Amazon store credit card for Amazon Prime. I never authorized or agreed to a prime membership trial. XXXX XXXX, my father, opted into a trial, but he cancelled the prime membership before the expiration of the trial period. Same household email. I have provided email verification of the cancellation of the prime membership trial that was received and acknowledged by Amazon before the expiration of the trial period on multiple occasions. I initiated a dispute regarding the charge to my credit card back in XXXX of XXXX. I have spent numerous hours on the phone with Amazon and Synchrony bank trying to resolve this issue since XX/XX/XXXX. During this time, Synchrony back has continued to charge late fees and interest. I finally received satisfaction 17 months later by way of an email from Amazon dated XX/XX/XXXX crediting the credit card account for the prime membership charge in the amount of {$120.00}. I was told by the Amazon representative that they would be in contact with Synchrony Bank. I was advised to call Synchrony Bank just to follow-up with them, which I did do. I was told that the account correction could take XXXX billing cycles to show up on my bank statement. Any interest, penalties and fees would be credited to my credit card by Synchrony Bank leaving a zero-dollar balance. Also, I discussed that any credit bureau reporting needed to be removed and /or corrected to reflect no late payments, balance issues or a closed account that will affect my credit score. 

I received a request from Synchrony Bank requesting additional information. I faxed the information to Synchrony Bank as instructed on XX/XX/XXXX. I received an email on XX/XX/XXXX from Synchrony Bank. The email states " Hi! Thanks for working with us on your recent Amazon Store Card credit account dispute, resolved on XX/XX/XXXX. We hope your inquiry was handled quickly and easily! '' I called Synchrony Bank on XX/XX/XXXX to confirm that this was finally resolved. I was told that the email was not generated by Synchrony Bank and that there was still a balance of {$430.00} on the account. XXXX at Synchrony Bank transferred me to a manager, XXXX and after 60 minutes she indicated that she was submitting this for further review as a " work case '' and I should hear something in 1-2 billing cycles. I have spent numerous hours trying to get this resolved. It has gone on for 19 months because Synchrony Bank is always going to make corrections in 1-2 billing cycles and then doesn't take care of it. I have spent hours of my time to correct this erroneous billing issue, late fees and interest charges and this error on Amazons part has caused unnecessary frustration for over a XXXX XXXX and it has ruined my credit. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENITY THEFT. I HAVE NEVER IN MY LIFE DEALTH WITH ANYTHING LIKE THIS. THIS EXPERIENCE HAS RUINED MY LIFE. I HAVE BEEN GOING BACK AND FORTH WITH XXXX ABOUT CITI BANK AND XXXX XXXX ( NOW XXXX ) THEY HAVE ALL OF MY INFORMATION FROM FTC AND POLICE REPORT, ID, AND ANY OTHER INFORMATION THEY ASKED FOR. CITI BANK AND XXXX HAS NOT BEEN REMOVED FROM MY CREDIT REPORT AND MY CREDIT SCORE IS STILL DECREASING. THIS HAS AFFECTED ME MENTALLY TO WHERE I ALMOST HAD TO SEEK MEDICAL ATTENTION. THIS HAS RUNIED MY ENTIRE LIFE. AN AGENT AT XXXX ADVISED FOR ME TO PERSONALLY MAKE A COMPLAINT IN THIS REGARDS.
Product: Credit card or prepaid card

It took me over an hour to close 2 accounts I had with Citibank. I could not believe the level of obstinacy I experienced trying to talk to three different individuals, one of whom said he was a supervisor who put me on hold for another 15 minutes when I asked to speak to HIS supervisor and then he came back on and said his supervisor was not available.

I am assuming that the two accounts are now closed but I can not be sure because the resistance and stalling tactics employed by all three reps I had the misfortune of trying to deal with was astounding. Continuously claiming to need further verification of my identity they put me on hold most of the hour and fifteen minutes of the call intermittently between ridiculous 'security ' checks. I would never have another card with Citibank and recommend that nobody else subject their selves to the obnoxiousness I encountered today, XX/XX/2022 between XXXX XXXX  and XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds with transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Acct XXXX XXXX XX/XX/2018 has violated my rights.

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

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Debt collection

I have repeatedly told them ( Collections USA ) for the last couple of years that this debt is not mine. In XXXX, someone called me and I explained to him that I did not live at the apartment during that time. He stated he will look into it but I never received a call back. XX/XX/XXXX its was put on my credit and I disputed it. They stated it was correct and sent me an itemized billing statement with dates that were past my move out date and lease. 

I also have called the original creditor. They stated they will investigated but I have not heard anything back. 

I stayed at this apartment ( XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX XXXX. Did all of the proper move out procedure with my roommate at the time due to it being a student apartment. I paid the last months rent and turned in my keys on the move out date of XX/XX/XXXX. I also moved to another apartment in XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I co-signed the lease application for an apartment at XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) for my brother XXXX XXXX XXXX XXXX as a guarantor in late XXXX. He moved out in XX/XX/XXXX, after he purchased his own property. He owed the apartment company ( XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} for maintenance/repair fee. The repair fee was disputed between the property office and XXXX XXXX. Eventually, the dispute was forwarded to National Credit Systems , Inc. without my knowledge my brother knowledge National Credit Systems , Inc. sent the debt collection letter to XXXX XXXX 's new address ( XXXX Iron XXXX XXXX, XXXX XXXX, VA XXXX ) on XX/XX/XXXX, without informing me whatsoever. XXXX XXXX was also traveling at the time and missed the deadline somehow. My permanent address is : XXXX XXXX XXXX, XXXX VA XXXX. There is NO effort made by National Credit Systems , Inc. to contact me and left me in limbo with downgrading my credit. This recent unlawful dept collection notice has adversely my credit score. The letter is uploaded to this folder for your review.
Product: Credit card

I am disputing a {$760.00} charge to my credit card account on XX/XX/2023. The charge is in error because I did not make or authorize that charge. I asked the credit card company provide any details, i.e. packing slips, invoices, proof of delivery, etc. Nothing was provided. 

I requested that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. 

I have cancelled the credit card for fraudulent reasons. 
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Product: Credit card or prepaid card

I missed a payment and the company, Comenity Bank has called me 12 times in the last two days. This is harrasment. It is affecting my work and therefore my ability to pay them back. They did not give me an opportunity to assess my finances and call back to pay. They are calling relentlessly and it is causing my anxiety at this point.
Product: Debt collection

covid relief paid twice to the landlord and then the owner of the apartment complex received the money from covid relief and then sold the apartment complex and took the funds. lease holders were evicted and force out their homes while the owner stole millions and got away with it and left several families without a home. now they trying to collect a debt that was already paid and is not owed. 

I don't have no knowledge of this account ( XXXX XXXX XXXX XXXX XXXX ) ( {$30000.00} ). I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, i presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. The following accounts needs to be removed immediately. By provisions of the fair credit reporting act, i demand that these items be investigated and removed from my credit report. it is my understanding that you will check these items with the creditor who posted them.
Product: Credit reporting or other personal consumer reports

This is my second endeavor to dispute hard credit inquiries from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly reinvestigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE DELETE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TRANSUNION ; XXXXXXXX XXXX XXXX have me listed as NAMES that are NOT my name. AND they have ALL different addresses that are not my current address. 

I recently sent all 3 of these companies a COPY of my current State of New Jersey Drivers license with my Full Legal Name and Current Address for them to update their records and they have not. 

Also I do not have ANY alias or Also known as Names, these ALL should be DELETED IMMEDIATELY with these addresses that do not belong to me.
Product: Payday loan, title loan, or personal loan

First of all I did not even know who FSST Financial Services or 605 Lending. Apparently they go by both. I never applied for a payday loan. This company something is screwy because they knew about me. Then they tell me that they are above the law and threaten me. I never ever applied and I would never ever ever. Why would I when I just got out of bankruptcy.
Product: Credit card or prepaid card

Unclear / Vague and Misleading rules about ticket exchange.

I purchased a ticket Flight from XXXX to XXXX - XX/XX/XXXXwith return on XX/XX/XXXX ( Ticket # : XXXX ( XXXX ). Method of payment my Delta AMEX ) Cost {$300.00} " Policy stated : This ticket is non-refundable unless the original ticket was issued at a fully refundable fare. Some fares may not allow changes. If allowed, any change to your itinerary may require payment of a change fee and increased fare. '' Due to my sister being in the hospital, I had to change my flight to retrun onXX/XX/XXXX instead. When I called the XXXX support agency, they asked that I prove my sister 's medical informaion, hospital name, etc., in order to the 'change fee ' to be waived. At that point, the return flight on XXXX cost the same as XXXX. The clerk said there would be no extra cost, but then we got disconnected. I called back to get another representative that stated I needed to pay an 'upgrage of ticket ' fee in order to get the ticket changed. I explained that XXXX Medical Policy does not menion any upgrade fee and that it waives the change fee, but the clerk did not want to follow policy. XXXX website : XXXX XXXX XXXX XXXX XXXX  Medical Emergency policy provides flexibility to the return portion of your trip by waiving service fees however, fare differences may still apply. ".

I called back another clerk to see if it was a bad representative. This one agreed with the first representative and change my second part of the trip to XX/XX/XXXX but said that I needed to hold for another clerk to verify the fare difference did not exist. Upon transfer, the next representative said that the price for this new ticket would be ' $ 300+ ' dollars. Which is outrageous. I asked to explain why, and this person again said that they had to sell me base economy and could not sell me a non-refundable fare. None of this is in the XXXX  policy and non of the representatives can agree.

After this conversation, I went ahead and bought my own one way flight back on the XX/XX/XXXX for {$180.00} USD ( XXXX   ).

When flying on the XXXX, I had 2 open reservations to check into. Both tickets were valid and the XXXX  clerk agents were confused why I had two tickets. They eneded up just canceling one on the spot because the system showed that I would be sitting next to myself.

What a terrible way to treat customers and write a bait and switch policy for medical emergencies. I'm extreemly upset at this company. Inconsistent customer cervice, lies about policy, and complete disregard for their own rules.
Product: Credit card

Yet again US Bank has fraudulently posted a charge of XXXX from XXXX on my account despite having information A. That amount was never authorized in the first place and B. The item was promptly returned with documentation provided via XXXX tracking XXXX. 
US Bank lied and denied they received this information. 
I am tired of the lies, deception, false statements, and bad faith being exhibited by this vicious bank. Am trying to close this account out and they continue to try to attach false charges to it. I want the XXXX plus interest refunded to this closed account immediately. 
The bank is prolonging the process of settling the closing of all monies owed fraudulently and want this to stop. I will stop making payments until they stop this behavior and will file suit in small claims court.
Product: Mortgage

I wish to reopen Case number : XXXX because the response by Chase was not adequate or acceptable to address the issues. Chase went into my husband 's XXXX credit report on XXXX/XXXX/2016, which was before they sent us the original refinancing documents. Then he could not access his report by XXXX during the mortgage application process to correct any problems. The original terms of the contract they sent was 3.125 % on a loan of {$350000.00} and a cash from borrower of {$7100.00}. They knew what his credit score was and lured us into trying to refinance with them. Then they pulled a bait and switch. We deserve the original terms of the documents that were sent to us. Chase does not respect its long-standing customers and dupes its clients into accepting terms that are a " bait and switch '' tactic, which should be illegal.
Product: Debt collection

This involves an amount owed to my sons former apartment complex while he was in college. This debt is claimed by ProCollect Inc to have been placed in XXXX by the former management company of the apartment complex which is now out of business. My son received a call from ProCollect Inc in XX/XX/XXXX claiming to demand payment of the debt. My son is not familiar with the debt and taken off guard and he asked ProCollect Inc to call me as I was the guarantor for my sons lease. I spoke with a representative about the debt. He also demanded payment from me. I asked that he confirm and verify the debt in writing as required by law, however, he stated that he had already mailed a letter. Neither my son nor I have ever received any correspondence from ProCollect Inc. I told the representative that the previous management company had several issues of mismanagement and it would not surprise me if the debt was legitimate. I then asked the representative again to mail me one letter to verify the debt and I would pay it off. The representative refused and stated he could not help it if the USPS did not deliver my mail. That was the end of the conversation. After that, ProCollect Inc placed a collection on mine and my sons credit reports with all three credit reporting agencies. After disputing the collection with all three agencies, XXXX and XXXX XXXX removed the collection form both of our reports. However, XXXX has left the collection on our reports despite filing XXXX disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw accounts that I did not authorize. Equifax stated to fill this form out and I did and I have not heard anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

I just check my credit through XXXX  's website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX  stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about this, and the company proceeded without my approval.
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 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. 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 XXXX 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 XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I looked at report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure 's to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These account ( XXXX ) are not complete and is not accurate. 

XXXX - XXXX Open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX pa XXXX 

XXXX XXXXXXXX XXXX  account # XXXX phone XXXX XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone XXXX XXXX XXXX account # XXXX phone number XXXX XXXX XXXX XXXX XXXX mn XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX pa XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ' account # XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ca XXXX XXXX has XXXX XXXX XXXXghts. 

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

Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with Credit Acceptance. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. Credit Acceptance agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from Credit Acceptance. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with Credit Acceptance and nothing was done. I also filled a dispute with the Attorney General office and they said since Credit Acceptance didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.