23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened a Capital One Credit Card through XXXX XXXX to purchase furniture. There was a promotion to choose 12 months interest charge free or a 5 % reward. When I made the purchase online with a XXXX XXXX representative it was confirmed I would have interest free benefits for one year. The purchase was made on XX/XX/year>. I have been making payments on the card and realized they have been charging me interest. I have three interest charges currently. I would like all interest charges removed per the agreement documented with XXXX XXXXCapital One. When I called on XX/XX/year> to have this adjusted I was informed by both Capital One and XXXX XXXX they could not make the changes due to it being too many billing cycles. I called at least two weeks prior to this and was informed to wait for a letter in the mail for 7-10 business days before I could proceed. The letter never came and now I am informed that the interest charges can not be removed due to being too many billing cycles. I believe they informed me to wait for the letter that never came in the mail in order to put my complaint pass the date in which adjustments could me made. This is false advertising and both XXXX XXXX and Capital One refused to escalate the issues or make the proper adjustment. I would like all interest charges removed and the XXXX interest charge for the year implemented per the agreement to opening the card and spending a minimum amount of money on the card. I believe their actions on XX/XX/year> informing me to call back after receiving a letter ( that never arrived ) are fraudulent because it pushed the date past the time in which proper adjustment to the interest rate charges could be completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  representatives have not communicated the proper information, contradicted there company statements and have caused actual damages to my person because of such actions. 

In efforts to resolve this situation, XXXX continues to verify illegitimate information after speaking with representatives via phone. 
XXXX is reporting a closed account with a remaining balance even after paying the amount due in full. Not only have I paid my account in full my security deposit was never put towards the balance even after there website and agreement states that it will. There website states " After you finish your XXXX XXXX Account, ( which I have ) you will receive a payout of your remaining balance, minus the funds used to secure the deposit on your XXXX XXXX Credit Card and any outstanding fees or interest. '' The security deposit of {$100.00} should ensure that I have no remaining balance. 
Instead my account is being reported closed with a balance of {$110.00} even after paying an additional {$110.00} making a total of {$200.00} they have received from me. 
There website states " Any remaining funds not used to secure your deposit will be returned to you once you finish your XXXX XXXX Account. '' Meaning my security deposit was never put towards my remaining balance. 

Self representatives have done a horrible job in relaying the companies policy and resolving the issue which in turn has affected me drastically.
Product: Debt collection

My account with XXXX  was sold to XXXX XXXX XXXX ( XXXX ). THEY turned the account over to XXXX XXXX for collection. XXXX XXXX contacted me at work and me telling them that I could not speak to them at that time, proceeded to call right back. After work hours I called them back ( Ms XXXX ) and requested that written documentation of the debt they were attempting to collect be mailed to me. I was told that no they were not going to mail me anything. I owed the debt and they were proceeding to verify my employment to sue me. She then hung up on me. I called right back and asked to speak to a manager. Again I was told there was no manager available and that they were not going to mail me anything but proceed with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the following account that does not belong to me and i want it to be remove from the 3 credit reporting agencies.

1. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX/XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX  XXXX Balance : - Bankruptcy XXXX XXXX-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , VA XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Bankruptcy : Discharged XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On Monday, XX/XX/XXXX, I made a purchase to XXXXXXXX XXXX XXXX XXXX in the amount of XXXX  for car-audio speakers. This transaction posted to my account on Wednesday, XX/XX/XXXX. The merchant 's policy permits returns within 7 days of purchase for full refunds, and on or about XX/XX/XXXX, within 7 days of the original purchase, I returned the item to the merchant and the merchant, instead of issuing a return credit back onto the credit card, issued a store credit in the amount of {$32.00} that can ONLY be used at that merchant 's place of business and no where else. I have no use for a store credit because the merchant is more than XXXX miles from my billing address and I had no intentions of ever doing business with this merchant ever again. I initiated a timely billing dispute with Barclay and the merchant misrepresented to Barclay that the merchandise was not returned. To refute that blatant fraudulent representation, I provided Barclay with a copy of the store credit from the Merchant and despite receiving proof that the merchandise was returned, Barclay sided with the merchant and closed the dispute without taking any further action. The merchant has perpetrated a fraud against my Barclay credit card by accepting the return of the merchandise and then not issuing a credit back to the credit card. Now the merchant has both the merchandise and the XXXX it charged on the credit card, and Barclay refuses to do anything about either the fraudulent representation made by the merchant or assist with the chargeback. I requested that Barclay provide a copy of the merchant 's response, and Barclay refuse to do so.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

In XX/XX/2020 I was a victim of fraud. Someone attempted to open an account in my name with XXXX XXXX XXXX and XXXX Their attempts led to Hard inquires that dropped my score by 40+ points. After months of contact with the creditor, the credit agency, and finally the CFPB I was able to get the fraudulent accounts removed. Unfortunately, the removal of these accounts did not restore my score to its original points.
Product: Credit card

I signed up for the American Express Platinum card under a XXXX XXXX point offer that required {$3000.00} of spend in the first three months. After meeting the requirements for {$3000.00} in spend, I received the XXXX XXXX points on XXXX XXXX, 2016. I was initially frozen from using these points for one month, per AMEX policy. Once the month was done, I was able to transfer XXXX points to an AMEX partner, XXXX, through the AMEX XXXX website. However, upon logging into my account a week ago, American Express had taken back the XXXX points they had given per the terms of the credit card agreement. I have tried to reach out to American Express via both online chat and by telephone. Online chat directed me to call American Express directly, whom then told me that they would call with a resolution in 2-3 business days on XXXX. As the time has passed and I have not received a resolution to the missing XXXX points, I am writing the CFPB with the goal of being proactive in getting these points readded to my account. 

In the telephone call with the representative, he made a point to note how I received the {$200.00} airline reimbursement on my card ( a perk of the Platinum card- {$200.00} annual airline reimbursement ). I told him that I applied online through the AMEX website and selected XXXX as my partner. I have seen reports online that the reimbursement on these cards has triggered a pullback of the XXXX XXXX points ; this may have something to do with the error in the system. Regardless, I met the appropriate requirements for the card 's offer in question and now the XXXX points are missing from my account. 

To summarize, I met the requirements of the card 's offer I signed up for ( {$3000.00} spend in the first three months=XXXX XXXX points ). I was given the reward In XXXX and had the reward taken out of my account in XXXX, leaving me with a negative balance of XXXX points ( XXXX XXXX points ). There was no explanation for why the points were taken away from AMEX, even after repeated attempts to contact the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion completed their investigation about an item I disputed with 10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MA XXXX. They did not remove it from my credit. Apparently its an electricity bill in Massachusetts. I live in XXXX, FL. I have never owned an electric bill in Massachusetts. They need to go after whoever lives in the actual place that receives electricity from the electrical company and not me. I have no idea what type of information the electric company requires to start a bill. I have no knowledge of what personal information of mine they have. I have no knowledge about the bill. It just popped up on my credit report and messed up my credit. I had great credit. When I reached out to 10 XXXX XXXX, they were unhelpful and told me I should do a police report. I can not do a police report from XXXX, FL.
Product: Credit card

I overpaid my credit card by {$1400.00}. Im a senior and made a second payment because I got a reminder notice. Their system did not show a pending payment or say no payment was due. Ive called twice and they say I must wait for their accounting department. First time they said XXXX days to get a check. No check so I called but now I must wait for their accounting department.
Product: Credit reporting or other personal consumer reports

Around XX/XX/ I decided to take a look at my credit report since it's been a while since I last decided to. And I noticed misinformation/fraudulent information that wasn't associated to me. After that I went calling the companies and to my luck they weren't any help. But to fill out a form and mail it so I did that on XX/XX/ and I assumed that started the dispute process since that's what was now showing on my credit report. So I waited for the about a month or so and got letter from Transunion stating that they did their investigation and that the accounts were removed from my credit report, XXXX needed more information like my ID or passport and my SSN Card and I couldn't provide a new ID because it had my old address on it so I already knew that was going to work since the address on my Driver License was different than the one I was making the claim under, XXXX send me a letter stating that the accounts I disputed were no longer going to be on my credit report. Then around the end of XXXX I was finally able to get my new ID from the DMV so I resent the form and information/Documents they requested another month since I sent that information, so i go check my credit report XXXX had removed the information as they stated but still had misinformation involving personal information, Transunion removed 2 out the 3 accounts and didn't fix any of the misinformation, I didnt get any confirmation letter from XXXX since I sent the documents and they just removed 2 out the 3 and didnt fix the misinformation either so for both the last to its now showing as closed/charge off but is still on my credit and it's effecting my Personal Life/Well-being.
Product: Checking or savings account

On XX/XX/2022, I opened a checking account online at Albert cash using my friend 's referral link ( https : XXXX ). Albert is a financial technology company, its Banking services is provided by XXXX XXXX, XXXX FDIC. I opened this account is because Albert 's referral program offering a referral bonus of {$150.00}. The person signing up for an account needs to complete the following requirements : Direct Deposit $ XXXX every 30 days for 90 consecutive days ; Spend $ XXXX on goods or services with the debit card every 30 days for 90 consecutive days. 

From XXXX to XXXX, I set up payroll direct deposit to Albert with $ XXXX and spent at least {$100.00} each month. However, when I contacted customer support, they insisted I have not signed up with a referral link. Before signing up, I dont even know this bank if my friend did not refer me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. The 3 Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. Here is the account that is fallaciously reporting on my account and needs to be removed : CAPITAL ONE BANK USA N XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I opened a JC Pennys credit card through Synchrony Bank. I was affected by a natural disaster ( hurricane ) and my credit card payment was returned. This resulted in my account being closed. I understood completely and paid my balance off. This account still affects me negatively to this day. 

On XX/XX/XXXX, XXXX credit monitoring services alerted me to a flagged account reported on my credit file.I was shocked because I have worked hard to maintain a strong credit score. The alert read JCP/Synchrony Bank has flagged my account as 119 days past due and/or 4 or more payments past due. This account has been paid off for two years now.

This flagged account resulted in my credit score dropping XXXX. This has significant impacts on my day to day life. How much more do I need to pay for this account being closed? How much more money can I give Synchrony Bank for them release their choke hold they have on my credit score? I will do anything. Name your price.

I have tried reaching out to Synchrony Bank using the number provided to me buy XXXX but have got the run around and have had no luck in getting answers as to why my two year old account was flagged.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I noticed some unauthorized inaccurate discrepancies on my credit report. 15 U.S.C. 1692c ( c ) states if a consumer notifies a debt collection company that the consumer refuses to pay the debt collector the debt collection company must cease all communication. Law 15 U.S.C. 1692cc prohibits debt collectors from communicating with third parties in connection with the collection of any debt. A debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known. This is a notification letter to the following debtor. No type of payment will be made on this unlawful debt. I request that the following debtor cease all communication. Account : ( XXXX XXXX ) XX/XX/scrub>XXXX XXXX XXXX
Product: Mortgage

There are several errors/inconstancies in the way WFHM handled my mortgage payoff, which I have brought to their attention, and which they have not provided sufficient explanation or documentation to support their accounting of my mortgage payoff. 

Instead in a response to CFPB complaint XXXX they opted to outright lie. The XXXX rep assigned to the prior case never returned a phone call and I do not consider this matter closed.
Product: Mortgage

I deserve communication from my mortgage loan servicer. My previous correspondences XX/XX/XXXX Hardship Letter XX/XX/XXXX Re : Request for Forbearance on Mortgage Loan XX/XX/XXXX Re : Request for Forbearance # XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Subject : Payoff Statement Loan Number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX QUALIFIED WRITTEN REQUEST forbearance XXXX XXXX XXXX XXXX XXXX - email XX/XX/XXXX XXXX documents Loan Modification Request XXXX XXXX XXXX XXXX XXXX are still unanswered. The passage of the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act stipulates that every borrower who attests that they have been directly or indirectly impacted by the COVID-19 pandemic, regardless of delinquency, is entitled to a forbearance plan. Additionally, since XXXX, the federal Real Estate Settlement Procedures Act ( RESPA ), as enhanced by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, and its mortgage-servicing rules have given borrowers a bill of rights to protect them in their interactions with mortgage servicers. Mortgage servicers are also required to exercise diligence in investigating and responding to a borrowers properly prepared notice of servicing error. 

XXXX is the servicer of my mortgage loan on the property located at [ XXXX XXXX XXXX XXXX, XXXX Georgia XXXX. My loan number is XXXX The loan is federally backed and subject to the forbearance protections in the newly passed CARES Act. I attest and affirm that I am experiencing a financial hardship caused by the COVID-19 emergency and request forbearance on my mortgage loan under the CARES Act for 360 days. See Attached COVID-19 Hardship Declaration
Product: Student loan

I needed to reschedule the date of my payment to correspond with my payday on XX/XX/XXXX so I would have the proper funds in my bank account, to do this I needed to cancel my auto pay and re-setup the payment with the new date. I requested the auto pay cancellation on XX/XX/XXXX and received a confirmation email of the request. I logged onto the website and it showed no pending payments so I was under the impression that auto pay stop had processed. Navient then proceeded the withdraw the full payment on XX/XX/XXXX, the original date of the auto pay that should have been cancelled. I have three different types of loans with Navient so the billing is processed in three payments, each payment overdrafted my bank account and incurred a {$35.00} fee. I informed Navient of the error and was advised that the auto pay cancellation was submitted properly and was an error that the payment went through. I was asked to submit documents to confirm the fees, which I faxed to Navient on XX/XX/XXXX. When I did n't get the callback that I was promised when the review of the documents was complete, I contacted Navient again on XX/XX/XXXX and was advised that all the required documents were received but we 're never reviewed. A supervisor reviewed my account and the documents with me and confirmed their error and that they would be reimbursing me for the total {$100.00} in overdraft fees. The supervisor advised he was processing the payment and the funds would be deposited into my account in 6-10 business days. When I did n't receive the refund, I contacted Navient again on XX/XX/XXXX and was advised by another supervisor that Navient 's finance department denied the refund because there was no error on there end causing the overdraft. I explained the prior supervisor conversation to which the supervisor simply stated the prior supervisor was incorrect and did n't have the authority to approve the refund. When I explained they are estopped from denying a payment that they already approved and advised they were issuing, the supervisor stated they would resubmit the request for review to the finance department but that I should n't expect the refund to be approved, and I could follow up in 7-10 business days to find out if it had been denied again. Whether I am being lied to or just given false information, this is incredibly unprofessional and unethical and I seem to be getting no where with Navient.
Product: Credit card

On XX/XX/2023, {$2200.00} was fraudulently charged to my XXXX XXXX card to a company called " XXXX ''. There was XXXX separate transactions for {$51.00} totaling {$2200.00}. I called chase to report the fraud. They said the charges were made in XXXX XXXX with XXXX XXXX. They removed the balance, replaced my credit card, and said they would submit it to their fraud investigators. Today the {$2200.00} balance was was added back to my account along with XXXX separate " foreign transaction fees '' for {$1.00} cents each, totaling {$2300.00}. I called Chases fraud team and they said that my fraud claim was denied and they found the {$2300.00} was a legitimate charge, MADE BY ME, strictly because it was made with XXXX XXXX. I explained to them that I DO have XXXX XXXX BUT the card that was used for the fraud was NEVER REGISTERED to my XXXX XXXX account so there's no way it could have been me. I also explained that I personally made charges here in the United States on XX/XX/2023, the same day of the fraud, so there is no way I could be in XXXX XXXX AND the United States at the same time. They said there was nothing else they could do and that l am responsible for paying the {$2300.00} balance. They said if I could prove it was identity theft that would help in proving the charges were fraudulent. Please help.