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

Hi, I was informed via phone message there was a problem with my Synchrony Lowes Credit account payment that I made on XX/XX/2021 in the amount of {$29.00}. So when I called back to see about it I was told my payment was rejected and to check with my bank as for the reason for this. So I called my bank XXXX XXXX XXXX XXXX who told me that the payment was never processed and that there is no record of it either being authorized or reversed for any reason i.e. insufficient funds. My bank statement for the date the payment should have been processed will show this. No payment attempt was made. So the money was in the bank account it just was never processed correctly and for whatever reason in error was rejected. Now along with Lowes 4 other Synchrony accounts of mine are now closed and I do not have access to credit with any of them. Lowes, Sams Club, Ashley Furniture, JC Penney, and Lumber Liquidators for a total of 5 are all closed and read closed by credit grantor now on my XXXX credit report as of XX/XX/2021. All of which I pay every month with my XXXX XXXX XXXX XXXX XXXX account. Same bank routing number and account number for all these Synchrony accounts listed above and all were processed with my XXXX XXXX banking account and posted in XXXX with no problem and my bank statement has all of these transactions listed. Also, all of the other payments for Synchrony Lowes leading up to this payment were made correctly as well using the same XXXX XXXX account. I also tried to do the online chat feature Synchrony Lowes provides to no avail. The man I spoke with checked on the reason the payment was rejected he said insufficient funds? Which I was told by another Manager on the phone it just say rejected no reason. I told him he was incorrect about the insufficient funds as per my banking institution. He then asked me for my banking info via the chat routing number account number which I did not feel comfortable with he assured me its safe and then sent me the address to send a check? When I asked if sending in the {$29.00} would put my account in good standing he said it would so I wanted to make sure so I explained that my account along with 4 others were closed. He told me have a good day and that was it on his end. I screen shot the conversation and would like to include it as well. With customer service such as this its easy to get deterred. I work hard and I do my best to always pay my bills I feel like this has taken up time I could be putting to good use elsewhere instead of pleading my case for something thats not on me I submitted the payment on time it didnt take for whatever reason now my accounts are closed that doesnt seem fair. So thats the reason I filed this complaint thank you and I apologize for the length of the writing. Just wanted to make sure I included everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and i am submitting this complaint myself and there is no 3rd party involved. I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report I will list the items below.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( block, Inc. ) due to an adequate customer service and unfair practices. which violates the consumer financial protection act. ( CFPB ). 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 did not comply with error resolution requirements under the Electronic Funds Transfer act ( EFTA ) and resolution E. These actions have called significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Data Breach Incident Dear Customer Service Department XXXX I am writing to formally dispute and express my concerns regarding the recent data breach that occurred within your organization. I have been notified that my personal information was potentially compromised, and I would like to address the situation as it directly impacts on my privacy, security, and well-being. 
Incident Details According to the notice I received, my personal data was compromised during the breach that occurred on [ date of breach ]. The data that was potentially accessed or exposed includes [ list specific information if available, such as name, address, Social Security number, financial data, etc. ]. This incident is of serious concern, and I require immediate clarification and resolution. 
Request for Investigation and Resolution I request the following actions : XXXX. Full disclosure of the breach details : Please provide a clear and detailed explanation of how the breach occurred, including the type of information exposed and the timeline of events. 
XXXX. Action taken to mitigate harm : I would like to know the specific steps you have taken to resolve the breach and prevent any future incidents. Please also provide information about any steps I can take to further protect myself. 
XXXX. Assistance with identity protection : If applicable, please provide free credit monitoring or identity theft protection services for a specified period, as this breach has exposed my sensitive personal information. 
XXXX. Confirmation of dispute resolution : Please inform me of your efforts to resolve this issue, including any compensation, corrective actions, or further steps you will take to rectify the situation. 
Request for Confirmation Please acknowledge receipt of this letter and provide a response to my inquiries no later than [ set a reasonable deadline, e.g., XXXX days from the date of this letter ]. I am prepared to pursue legal action or further escalate the issue if a satisfactory resolution is not achieved in a timely manner. 
Thank you for your prompt attention to this matter. I look forward to your immediate response and resolution to this dispute. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I was advised that a regular recurring charge to my card was declined. I contacted the bank and was told that, after XXXX years of having an account in good standing, that my card was being closed at the banks discretion. I have checked my credit and I have a XXXX plus fico score. I have not been late on any payments on the card and have used it religiously but either paid balances off completely or kept a modest balance. There is nothing I have done that should have caused the bank to close this card.
Product: Money transfer, virtual currency, or money service

I mistakenly paid my car payment to Best Buy. No one at Best Buy has helped and they actually told me that they couldn't help me. I no longer have an account with them so the payment is just sitting there. My bank reached out to Best Buy but they haven't responded.
Product: Debt collection

Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is fraudulently opened. I have contacted this company and sent a fraud report 2 years ago and they identified this account as fraud but refuses to remove it from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

See list of enquiries on my credit that I did not authorize and I know nothing about. 

XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX ( all banks ) XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

I have XXXX inquiries that generated an account and I was able to close the accounts before any fraudulent charges were made. The inquiries still showing on my report and transunion refuses to help me with the issue and expedite the process inquiries are the ones bellow : XXXX XX/XX/XXXX and XXXX bank XX/XX/XXXX Please do not delete the other XXXX as it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never heard of this Sagestream llc consumer report. Was denied a vehicle purchase due to their WAY lower score than what I have with other agencies. Went to get my report from the company and they refuse to release my info and give me my credit score unless i SEND them hard copies of my personal information such as my driver 's license and social security card. This opens me up to huge risk i should NEVER have to do. They are reporting WAY lower scores with no way of getting the info unless they get your private information first.
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. 

Account Name : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX and list of Inquiries. 

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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Simon 's Agency Inc. is the bill collector trying to collect on a account that was opened XX/XX/2014. they said the original account belonged to XXXX XXXX Special SVCS. I wrote several letters to the credit bureau and to Simons Agency stating that this account does not belong to me or was it opened by me. I asked for original and signed documents for this account and the Agency just send me copies of statements. I wrote several time and I keep getting the same respond. This account is only showing up on XXXX of my credit report, the other 2 bureau XXXX and XXXX has deleted and removed this account from my credit report. I would like for this account to be removed and deleted from XXXX as soon as possible.
Product: Student loan

I have been on deferment since I have obtained my student loans. My loans were never late because I am on deferment. 

The loans have been reported incorrectly for the following accounts : XXXX XXXX XXXX # XXXX U S DEPT OF ED/XXXX  # XXXX
Product: Vehicle loan or lease

I was financing an auto loan with Bridgecrest and on XX/XX/2017 I was struck from behind while sitting at a stop light. The vehicle was total and XXXX sent a Vehicle Value Report with a settlement value and is waiting for the letter of commitment to finalize the contract. I called several times to close the contract so I can find another vehicle. It's been several weeks, Bridgecrest never contact my Gap insurance, is collecting payments, charging interest and stalling to secure another auto loan.
Product: Debt collection

I was not notified through mail in regards to debt by debt collector. Nor did a sign any contract with Transworld Systems. 

Debt was placed onto my credit report in XX/XX/XXXX and was closed on XX/XX/XXXX and has been placed back on to my credit report.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Collection Account : XXXX XXXXXXXX XXXX  {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$170.00} XXXX XXXX XXXXXXXX XXXX  {$160.00} XXXX XXXX XXXX XXXX {$8900.00} XXXX Hard Inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

i am not responsible for the debt owed to frontier communications.. I did not sign a contract with credit control corporation therefore this is not my debt please remove from my credit report immediately I demand it
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a contract with this company and this debt isnt mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  TransUnion XXXX XX/XX/ TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/ TransUnion XXXX XX/XX/ TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony falsely tried to charge me a late fee before a statement was due. 
I tried to resolve it and their customer support could not explain sufficiently why I was charged after I successfully explained that I had made the minimum payment and that a late charge for a payment that isn't due until may doesn't make any sense. She then tried to tell me late fee was for XXXX despite agreeing with me that I had paid the minimum amount for XXXX. All dates and amounts are shown in attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account due to inaccurate reporting multiple times with XXXX and XXXX. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between XXXX and XXXX. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.
Product: Student loan

I have Federal and Private loan on Navient. On XX/XX/XXXX I called Navient to get the automatic withdraw from my account on my private loan, then i received a letter that the automatic payment was cancelled, they add the wrong account and they did the automatic payment and of course payment was reversal. On the web site appear to pay only XXXX dollars ( all intrest nothing principal ) when my total monthly payment is XXXX, after serveral calls they told me that eveything is correct and i do not have any payment reveral and that i do not have any automatic payment. When i call customer services they told me that i have to pay XXXX for prvate loans but when call private loan department they told that i hav to pay XXXX. After several calls they told me that they will call me to verify my account and has past 2 weeks and i still waiting. Today XXXX/XXXX/XXXX i call and they told me that i have to wait. My due date to pay the loans is XX/XX/XXXX and i dont even know how much do i have to pay. I am worry about the payment reserval that could affect my credit, but as per navient I do not have any payment reversal or any late payment. Information on the web site is really innacurate with the information via phone. Fo a mistake of Navient employee of putting the wrong accunt number my loans and my payment are not correct. I have been paying this loans for years andi want this nightmare to end as soon as possible.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX  Account name : XXXX XXXX Account name XXXX XXXX  XXXX  federally protected consumer rights to I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate orincomplete or can not be verified, the consumer reporting agency shall ( i promptly delete that item of information from the the of the consumer, or modity that item of intormation, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ) of any information an item of the consumer. 


Opened : XX/XX/2024 XXXX XXXX
Product: Credit card

Since XX/XX/year>, I have had multiple promotional balances on my CareCredit account, each with deferred interest terms and varying expiration dates. My goal has always been to pay off these balances in the order of their expiration dates to avoid deferred interest charges. To achieve this, I set up automatic payments of {$140.00} per month and later increased my payments significantly, with a payment of {$770.00} in XX/XX/year> and {$570.00} in XX/XX/year>. Despite this, CareCredit allocated my payments proportionally across all promotional balances, rather than prioritizing the earliest expiring balances. 

For example : - XX/XX/year> XXXX of {$770.00} : Under CareCredits allocation method, this payment was split across multiple balances, leaving {$410.00} unpaid on the balance expiring XX/XX/year>. Had this payment been applied in full to the earliest expiring balance, it could have been completely paid off, ensuring I avoided deferred interest charges on that balance. 

- XX/XX/year> Payment of {$570.00} : This payment was also divided proportionally. By this point, the XX/XX/year> balance was finally cleared, but only after multiple months of missed opportunities to fully pay it off earlier. 
CareCredits proportional allocation method has left me at risk of deferred interest charges, even though I made sufficient payments to cover the earliest expiring balances. Furthermore, their statements lack transparency, as they do not clearly show how payments are applied to individual balances, making it difficult for me to verify whether payments are being applied effectively. 

When I contacted CareCredit to request that my payments be allocated to the earliest expiring balances, I was told this was not possible unless I manually requested reallocation after each payment had posted. This process is burdensome and impractical, as payments take 3-5 business days to post, and reallocating payments requires contacting customer service each month. As a busy individual relying on automatic payments, I believe this process is intentionally designed to make avoiding deferred interest charges unnecessarily difficult. 

I have attached statements from XX/XX/year> through XX/XX/year> to provide evidence of my payment history, how payments were allocated, and the lack of transparency in CareCredits monthly statements. These statements highlight the issues Ive described and support my request for a resolution.
Product: Credit card or prepaid card

Chase bank issued a credit card to somebody else using my ssn. And when I found the credit card existing, that was a lot transactions made. And theyve been mailing me letters ever since, causing me great trouble, credit score went down by XXXX.
Product: Checking or savings account

I deposited my settlement check from my XXXX at church in my mom 's account on XX/XX/XXXX about XXXX. They said it'll be available in 5 days! But they won't let my mom access any of the funds till next Monday XXXX the XXXX! The check was only. {$4100.00}. I'm XXXX XXXX and feel they're just taking advantage of me. I just want what's mine! It's weakening my stability and ability to keep from XXXX XXXX