23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I spoke with XXXX representatives for XXXX  ( Syncrony ) regarding my last payment XX/XX/2023. I submitted a payment through my credit card to cover the balance, because the interest was astronomical and my payments were being absorbed by interest fees. I paid the whole balance and noticed this week ( of the XXXX XXXX ) that the money wasnt received. I called today, XXXX XXXX, at XXXX pm to ensure that there werent added fees since I paid the due date. The first representative, XXXX, verified my information and after hearing my concern stated that she understood and that there was a payment made but not sure why it didnt process. She waived the late fee, but said they would nt approve her to remove the interest fee. I respectfully asked to speak to her supervisor and she said she understood and would transfer me. I did state that I felt uncomfortable and at loss why I would need to pay {$30.00} in interest when I wasnt late paying, Im still unclear why the payment wast processed and how did they even get that figure..I just didnt understand why wouldnt they remove all fees while I processed the payment again. 

The next representative/manager named XXXX, XXXX # XXXX, was not helpful at all. He refused to connect me with his superior, he refused to give me a last name nor a telephone number, saying the supervisor doesnt accept calls. He kept saying he was unable to remove the interest fees due to a new policy, but offered me no tangible, certified information or anything. I told him I felt unvalued as a customer and I wanted to report this because the interest fees even before this felt immoral and like theyre taking advantage of me as a consumer and that Im trying to pay off my balance or trying again and the company is refusing to do the right thing. I then asked to have my account closed since they are taking advantage of me, not helping in any way, and dont value me as a customer. I felt really upset, unheard and powerless. I took a few screen shots, the day I paid it and one of my account that says I paid. 

Pay off balance as of XXXX, 2023 : {$1100.00} Pay off XXXX : {$1100.00} Rep : XXXX, id : XXXX Rep : XXXX, XXXX ID : XXXX The supervisors name given is XXXX, XXXX ID # XXXX Refused to provide a last name, refused to give a phone or other forms of communication and but gave the below address to write and who knows when and if Id hear back. 
XXXX XXXX XXXX XXXX, PA XXXX
Product: Mortgage

Borrower was denied a loan modification because lender said they couldn't reduce the payment. However the lender did not consider an interest rate reduction and/or a re-amortization to extend the term of the loan back to 30 years according to the HUD Handbook guidelines .
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency Lake area collection is violating my rights under the No surprise Act of 2022. I have a medical bill in the amount of {$330.00} from XX/XX/XXXX that an out of network provider is charging without my prior authorization. I am requesting these two items be removed from my credit report immediately as I am allowed a fair and correct credit report according to FCRA
Product: Credit card or prepaid card

Ive had a claim since XXXX and it got denied according to them because I didnt submit claim papers but I have screenshots and my emails to prove that I have sent I then call them to speak to a manager and tells me they havent got my emails so then i said okay well on my side it shows that I am sending it to the correct email and then they keep telling me to wait a couple days to update I been waiting its now several months and I made a new claim and the same thing so Im like okay so whats the next procedure because yoi guus keep telling me the same thing over and over and I keep waiting and each one tells me to wait till it updates I have screenshots that I am sending it to the correct emails Ive sent in the detective information Ive sent in police report and pictures of my place burglarized. On where all my knflrtmairon and passwords were stoled
Product: Checking or savings account

This company is making EVERYTHING DIFFICULT! I had an IRA with the company XXXX, they moved my account to Citibank. Citibank never reached out or send any documentation on the account that had funds rolled over. Even though, they had my current address, XXXX, phone number, email, and full government name. I reached out to withdrawal the funds and closed the account. They told me I had to mail an application, identification, and address verification. I went into the branch to see if it was a quicker solution/process. One of the branch members sent out all of the documentation XXXX months ago. XXXX weeks later I reached out to Citibank to get a status and to withdraw the funds and close the account. They told me they did not receive any documentation and I would have to mail it again, or fax it, or have the branch member reach out to them. I faxed it, and the branch member reached out to them. On XX/XX/2024 I called and the representive told me that they did not receive any of my documents. However, I learned that on XX/XX/2024 they received it via postal. Also, now they are not accepting and rejected my application because it was signed digitally. However, on the application it did not say you have to physically sign the document, nor did any of the representatives inform me of this. Now it's making this process even longer and I just want my funds and be completely done with this company. They would not let me withdraw my funds and close this account. This has been the longest process I have ever had to go through with a bank and I just want my funds.
Product: Credit card

XXXX XXXXXXXX I have no knowledge of it XXXX XXXX XXXX have no knowledge of it XXXX XXXX XXXX, XXXX have no knowledge of it ( 2 ) LVNV FUNDING LLC XXXX
Product: Credit reporting or other personal consumer reports

I have disputed several items on my Experian credit report, but I do not agree with the results of the investigation. These items include multiple accounts, inquiries, and collection accounts. Despite my previous disputes, the information on my credit report remains unchanged, and I have not received sufficient proof or documentation regarding the negative information reported. I am requesting that Experian reinvestigate these items and either correct the information or delete the inaccurate entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I've reached out to chase to correct the credit inquiries which were not authorized by me and they have state we are aware and are taking the necessary actions to correct this and submitted to XXXX and XXXX Unauthorized Inquiries via Chase Bank on The Following Dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I  have reached out to the credit bureaus and they have stated they have not received the digital request from Chase to remove these as they are still being reported on my credit. I reached out 3 times now to have Chase remove these. I spoke with XXXX in the Credit Bureau Specialist Department to which he stated that the responsibility falls on the credit bureau ( s ) not them. I then asked did you get verbal confirmation and authorization that I was the individual who applied to which he said no we don't do that that's against the Fair Lending Act. This is not true as when I personally applied for a Chase CC in XX/XX/XXXX, Chase Bank Called me personally fist to verify that it was I who submitted the application. Not only has Chase not corrected this but they have admitted fault and are passing the buck. Chase Executive Office has been made aware and they too are looking into the matter with this specific employee as this has been most discouraging to them as it's a poor reflection upon Chase and goes against normal company standards and protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- AUTO ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom may be concerned, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are UN-VERIFIED. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C 1681, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in their entirety or the alleged accounts are to be completely deleted.

The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERIFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise not compliant with regulatory federal reporting laws or standards and MUST be removed immediately. The following fractions are as follows : Alleging Creditor and Account is reported as having a late payment on my credit report : XXXX XXXX XXXX Account Number : XXXX I am demanding that these accounts be updated to PAID as agreed and NEVER late.
Product: Credit reporting or other personal consumer reports

I wish to lodge a complaint against XXXX XXXX XXXX, because they cancelled my membership without my consent. My membership with XXXX is a contractual matter, and they can not cancel a contract without mutual consent. 



Background : I received a letter from the manager at the XXXX warehouse in XXXX claiming that I had used inappropriate language in a telephone call to their warehouse ( please see attached copy of letter dated XXXX ; also, please note that there is no date of the alleged phone call stated in the letter ). I never made such a telephone call. I called the assistant manager of that warehouse on XXXX, and also had an exchange of e-mails with their manager ( XXXX XXXX ) on XXXX, telling them that I did not make such a phone call, and challenging them to provide proof of such a phone call. No proof was provided. I sent another e-mail to XXXX XXXX on XXXX again asking him to reinstate my membership, but he never responded. 



For context to this mistreatment imposed on me by XXXX, I will state the following : In XXXX of 2018, XXXX attempted to cheat me out of {$120.00} in sales tax that should have been rebated to me after I ordered a laptop computer online and had it shipped to me in XXXX, WA ( I was working at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt at the time ). As a Montana resident, I am not ( and was not ) subject to state sales tax. I submitted a sales tax rebate request to XXXX for the {$120.00} ( as provided for in the Revised Code of Washington at that time ) based on my Montana residency, but they denied it, despite my repeated request for them to honor the rebate. I had to get a chargeback on my XXXX XXXX XXXX ( issued by Citi Bank ) to finally get the {$120.00} back. 



Secondly, I filed a complaint about XXXX employees who failed to help me with the malfunctioning self-checkout lane at the XXXX warehouse in XXXX, WA, XXXX XXXX. I attempted to complain to the warehouse manager via telephone, but the local employees blocked my efforts, so that same day ( XX/XX/XXXX ), I pushed this complaint all the way up to their V.P. for the XXXX XXXX, XXXX XXXX. XXXX XXXX refused to take my complaint seriously, refused to do anything to rectify the problem, and instead sent me a letter ( dated XXXX ; copy attached ) chastising me for my behavior in trying to get some help with their malfunctioning checkout register. XXXX XXXX went so far as to lie about my behavior, stating that I was alternating between cursing, name calling, and yelling. While I raised my voice in frustration over the repeated refusal of employees at the XXXX warehouse to help me, or to allow me to file a complaint over the phone with the manager, I categorically deny yelling, cursing, or calling people names. 



In summary, XXXX has been persecuting me, lying about and to me, and mistreating me for several years, as demonstrated in by these three examples. Canceling my membership without my consent is just the latest instance of this abuse. It is also a violation of civil law, as they can not unilaterally cancel a contract. Please enforce that contract by forcing XXXX to reinstate my membership.
Product: Payday loan

I paid speedy cash on time then something went hair wire ... they are taking large amounts from my bank. 
When I speak to the office in XXXX TN. the girl today said it 's not them taking it out. It has their name beside the amount on my bank account. 
They have been doing this for 3 months now. My account stays overdrawn and this is why. Help is this deceptive business practice???? They have taken out XXXX for two months and does not reflect that on my bill.
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement. 

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately! 

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report. 
Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

I do not know this account and I never signed any agreement or contract on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes these unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Checking or savings account

My account was charged overdraft fees numerous times due to Wells Fargo processing small payments and making payments decline or charging fees for allowing. The froze my account because someone got into it and it affected everything. They wouldn't let me touch anything or do anything to my account and then blamed it on me. They would not help me and said I had fraudulent activity. It was not my activity but they froze my account. And closed it without notice.i have direct deposits and everything for my business and I was not able to get residual from my business for almost 3 months trying to get everything changed to a new bank. It has been XXXX and it's been months and I still can't get one of my residuals set up because of my flagged account that should have never been flagged.
Product: Student loan

Naviet Private Student loans, i thought the debt would ne discharged in Bankruptcy ive filed XXXX, and XXXX. The school that I use this private loan with is XXXX  XXXX XXXX and XXXX XXXX XXXX. I was trying to remove Co signor, the service wouldnt remove them with several consistent payments as they promised. The made it difficult, they've combined my loans and extended payment. It appears as they increased in interest with the forbearance, which they stated i was not eligible before during my loans because I've exhausted. Thats why Ive had to file for bankruptcy in the past because I didnt want to default on my private loans.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the documentation provided regarding my mortgage account. Specifically, I noticed that the Notice of Furnishing Negative Information you have on file is from XXXX XXXX XXXX XXXX, not from XXXX. This raises concerns about the accuracy and validity of the information being used. 

I request that XXXX provide proof that I signed a Notice of Furnishing Negative Information specifically with XXXX. Additionally, I would like documentation showing that XXXX contacted XXXX XXXX XXXX XXXX. to verify all payments received and transferred correctly between the two companies.

Please send me this proof at your earliest convenience, as the current documents appear unverified and inaccurate.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documents soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a dispute letter to XXXX, Equifax, and XXXX on XX/XX/2021, now it's XX/XX/2021, and I have still not received any investigation results from either Bureau. The reason I'm filing this complaint against them is that Federal Law requires them to respond within 30 days yet they have failed to respond.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I block my password in my Coinbase account, I send an email and the company respond on XX/XX/XXXX under case # XXXX saying that they will work on my case to reset my password and make a follow-up as soon as they have an update. After that nobody contacted me, I called several times to Coinbase phone number XXXX XXXX and they don't give options to talk to a customer service or support. After that they send me an email with the instructions to reset my password to access to my account and doesn't work either. On the XXXX of XXXX they send me a new email saying that they send my case to an specialist who is reviewing my case ...??? until when nobody knows??? and until today nothing happens. I'll send several email with my complete name and cell number, information about my account, etc and until today nothing happens at all. I just want to access my account to check my XXXX and it is impossible with these people. I'm really frustrated, Thank you very much in advance,
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The following creditors and account numbers have no correlation to me. 
XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX, And XXXX XXXX XXXX has violated my rights. 



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.

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.

Unethical means of contact - creditors call family members and work places before contacting person on credit report. This values inaccurate and unsure cause of the correct person needed to contact.
Product: Bank account or service

In XXXX 2013 I got letter from Bank of America that my mortgage with them sold to XXXX. And the letter was saying all my payments should go to XXXX in Texas. I had first mortgage payment of {$4300.00} and line of credit payment of {$33.00}. Both of these payments I did send to XXXX. Later I was shocked when Bank of America sent me letter I was way to late on my line of credit payment of {$33.00}. I did contact them and explain that BOFA letter was saying all my mortgage payments goes to XXXX. But Bank of America respond was : '' not my line of credit '', which is letter did n't specify. Now my credit score damaged, because of this issue. All my communications with BOFA to try to remove issue from credit report went to dead end-no cooperation at all. Please help me to remove this item from my credit report for XXXX and XXXX of 2013. Thank you.