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

Synchrony Bank Customer Service XXXX XXXX XXXX XXXX, FL XXXX www.mysynchrony.com XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX RE : XXXX  Consumer Financing Account Ending in XXXX Creditor : Synchrony Bank Dear XXXX XXXX XXXX Thank you for your patience while we researched your dispute in regard to your XXXX Consumer Financing charge account. We have considered your rights under the terms of the Fair Credit Billing Act. Your claim was acknowledged and presented to XXXX XXXX XXXX. A copy of their response is enclosed. 
The nature of your dispute concerns a service quality issue. We sincerely regret you are not satisfied with the quality of the merchandise. While we empathize with your situation, as the creditor of your XXXX XXXX XXXX account, Synchrony Bank can not judge the quality of merchandise received. We encourage you to work directly with your merchant to reach a resolution to your concerns. 
On the basis of information available from both parties, we have released the remaining disputed amount in the merchants favor. At this time, we consider the dispute closed. The previously disputed amount, still unpaid, will be included on your next statement and due with your next payment. Please refer to the minimum payment amount and due date on your next statement. 
In accordance with Federal Regulations, we are providing you the address of each credit bureau agency that reports this account on your credit bureau report. 
XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX If we may be of additional assistance, please contact customer service at ( XXXX ) XXXX. If you have information or documentation to support your billing inquiry not previously provided to us, please contact a billing inquiry specialist at ( XXXX ) XXXX between the hours of XXXX XXXX and XXXX XXXX. XXXX XXXX, Monday through Friday. 
Sincerely, Specialist, Billing Inquiries for Synchrony Bank Enclosure XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been watching Experian play around with my credit score for years. It's clear their system is rigged against the consumer! I don't understand why they're allowed to control and manipulate something that dictates whether people can get loans, make purchases, and/or how much interest they will pay? Seems logical that they have some sort of incentives to do keep scores down.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report on XX/XX/XXXX and noticed there were Hard inquiries that don't have permisible purpose to be on there. These Hard inquiries are hurting me in getting approved. I already reached out to the credit bureaus about this multiple times, they keep violating my rights under15 USC 1681b. The Hard inquiries that are in question are the following : XXXX Inquiry date : XX/XX/XXXXXXXX XXXX  Inquiry date : XX/XX/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
Product: Vehicle loan or lease

I purchased a new vehicle on XX/XX/XXXX. It was financed through Chrysler Capital ( account # XXXX ) with a loan for {$57000.00} On XX/XX/XXXX I made a {$300.00} payment toward the loan ( check # XXXX ). On XX/XX/XXXX I made a second payment for {$300.00} ( check # XXXX ). 

On XX/XX/XXXX, I was informed that the dealership made a mistake reporting the VIN number and I had to sign additional paperwork. 

On XX/XX/XXXX there was a written conversation with XXXX, a customer representative with Chrysler Captial. I asked her about the status of the account change. XXXX informed me that " if the VIN is wrong, we will simply update the VIN when the document is received. '' I scheduled a third payment for XX/XX/XXXX for {$600.00}, this time through Chrysler Capital 's website ( confirmation # XXXX ).

Chrysler Captial then created a new account ( # XXXX ), with the right VIN number, and reflecting an opening balance of the original loan XXXX {$57000.00} XXXX. They did not apply my earlier payments, nor informed me what had happened with them. 

On XX/XX/XXXX, I called Chrysler Capital with a customer service representative name XXXX ( ID # XXXX ) who state that the transactions had been " reversed '', and the payments were sent to the dealership. XXXX could not back up this statement with any confirmation numbers or check numbers. I called the dealership 's finance department and spoke with XXXX XXXX, who stated that the dealership had not received any funds from Chrysler Capital, but he would look into it. 

On XX/XX/XXXX I called Chrysler Capital and spoke with XXXX ( ID # XXXX ). This time I got a different story. XXXX stated that a check was sent to me on XX/XX/XXXX for {$600.00}, and another was cut on XX/XX/XXXX for {$600.00}. Both checks, he said, were addressed to me at my home address. He could not provide check numbers or confirmation numbers for either transaction. He did make a request to re-send the XX/XX/XXXX payment since I had not received it yet. He had no comment on why I was told that it was sent to the dealership by the last person I talked to. Nor why the last representative did not have the same information he was privy to. 

At this time I have yet to receive my fund back. And I keep getting conflicting or incorrect answers from their customer service department. I have no trust or confidence in anything they are telling me, which makes it extremely difficult to make decisions on when or if I should pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX XXXXXXXX account # XXXX, this account is a collections account 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 : Also States a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with LVNV Funding LLC, they did not provide me with the original contract as I requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have have contacted Transunion to have these inquiry that are listed on my credit report without persmissiable use that I don't not recognize and they refuse to assist me with the issue. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a car loan with XXXX XXXX for a XXXX XXXX XXXX when I had a previous job, however by XX/XX/XXXX I reached out to XXXX  to tell them at the time I lost my job and needed assistance. XXXX arranged deferral which kept extending the dates on my loan which they claimed was a good practice on top of which I found later they were still billing me late charges to the loan which kept being accumulated from the date of the initial late as such XXXX end up charging me over {$5000.00} in extra fees not agreed to in my initial loan agreement. 
This predatory behavior continued culminating at its peak at XX/XX/XXXX, when while I was in talks with XXXX they repo my car illegally, while I had made a payment through their system of the balance owed. It took me 3 weeks to get my car back and on top of that they tacked on over {$1500.00} in additional fees. XXXX through the life of my loan continued to act unethically, going against out initial agreements and adding 30 day lates to my credit even though I would call them and they would have agreements with me on file. 
On XX/XX/XXXX after getting notification from the Florida attorney general and calling their office, I was navigated to the website : XXXX XXXX XXXX where I have come to now realized how XXXX has XXXX advantage of me and so many others across the country and I need my situation to be resolved. I contacted XXXX in XXXX to notify them of the issues first letting them know it was almost 3 years since I had needed any sort of help and I was timely if they could do a goodwill and help me resolve the issues ... however I was given no helped. 3 weeks after this I decided to now take the the legal route as alluded to by the Florida Attorney General 's office. Its been over a month and nothing has been resolved. Hence I am taking my issue first to the CFPB to get a resolution with XXXX  before I escalate this matter any further.
Product: Credit card

On or about XX/XX/XXXX we noticed credit car charges on my Chase Visa card ending in XXXX. 
I spoke with a Chase representative and requested that a son, XXXX XXXX XXXX, be removed as an authorized co-user on this Card. The lady advised, '' have your son destroy the card and he would not be able to use it ''. We followed her directions. Most of the unauthorized charges were going to a XXXX XXXX account which we did not recognized or was aware of ''. 
On XX/XX/XXXX we began a planned four to six month cross country journey in our RV. With occasional limited wi fi resources enroute we still managed to check on our credit card. 
On or about XX/XX/XXXX, we again called Chase was was directed to the XXXX Department for the first time after 2 or 3 previous calls to Chase Representatives. We spoke with XXXX and explained our concerns that the card was still being billed. XXXX suggested we cancel my credit card immediately and he will issue a new one and prior card account will be closed. On XX/XX/XXXX we received our new card ending in XXXX at our Mail Forwarding Service in South Dakota, and continued our journey to XXXX area for the month of XXXX. 
Additional phone calls were made to Chase on XX/XX/XXXX, XXXX, XXXX, XXXX through the end of XX/XX/XXXX. 
My contention and concern was that XXXX XXXX was receiving over {$9000.00} in cash transactions from Chase over 9 months and when we accepted the new Chase Card the unauthorized transactions were not halted. Chase was made aware of the circumstances via phone calls and about twelve letters and documents pleading for and explanation and action expected from Chase Bank. They continued to authorize and pay an account registered with XXXX XXXX We got our final letter from Chase dated XX/XX/XXXX stating their investigation was valid.
Product: Credit card or prepaid card

I got pre approved and was never informed in the advertisement that it was a title loan service and I would like the inquiry removed when I called the location as advised they where combative and careless.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding the way Zelle handles its disputes, particularly in light of the recent CFPB lawsuit addressing significant issues with the platform. Despite using Zelle a number of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They noted that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings bring light to the situation that Zelle has not only neglected to protect consumers but has also allowed leaving its users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of XXXX. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of XXXX. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Mortgage

On XX/XX/XXXXan escrow transaction was opened to buy my house, this transaction was closed on XX/XX/XXXX During the process, the preliminary title report was never explained to me, nor was I told about any payment I should make that was not included in my Closing Disclosure, and WFG people did not say anything regarding two Hero Program liens that the previous owner had.

I summited a claim to WFG National Title Company because during the process they knew there were two ( HERO PROGRAM LIENS ) contractual assessments recorded as liens against the property that are collected by the County Tax Collector and the escrow did not advise my lender ( XXXX ) to adjust the monthly impound payments to cover the projected increased in the property tax bill, also if my lender ( XXXX ) had been notified it would have requested the payoff at the close of the transaction.

WFG denied my claim because they said it was mentioned in the preliminary report, I am not a professional, WFG people are the professionals, so they have the responsibility to explain if there is some items that needed to be cleared before closing escrow, also by just reading the report it is not clear, it is ambiguous, now that I have the problem, I went in person to obtain a copy of the recorded liens, the instruments consists of twelve pages, not just two paragraphs as WFG mentioned.

WFG people never provided me with the complete instruments, there was no way for me to understand the magnitude of these assessments without the complete instruments. According to the documents that I obtained this year, I have to pay for 16 years {$1500.00} two times a year and for the second one {$1100.00} two times a year for 7 years, a total of {$5200.00} a year, at the end of the years the amount is about {$40000.00}, this information was never on the preliminary report, and neither was it provided to me. These amounts should have been explained to me before to continue with the purchase transaction, in order to decide to buy it or not. Obviously with the monthly payment of these assessments I wouldnt be approved for the loan, and I would have had the opportunity to find another property.

It is unacceptable that WFG National Title Company covered these items in the policy of the title insurance, but it covers just the two paragraphs, but not the 12 pages that were filed as instruments in XX/XX/XXXX and once again those were never provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in question is showing inaccurate information, I would like it updated to show accurate on my report.
Product: Credit card or prepaid card

I purchased my car insurance through my XXXX  XXXX XXXX Harris Credit Card. 

My car insurance gave me a refund through the credit card for nearly the full amount. I carried a credit balance on the card for months. 

on XXXX the XXXX of this year I noticed that BMO harris mastercard had posted a " Credit card Balance refund '' for {$340.00} which was the outstanding credit balance I had on the card. 

I called and inquired. I was told they mailed me a check for the amount. I verified they had the correct address. 

i never received the check. Never cashed it. I called back. They said they would mail me an affidavit to complete and return so they could re-issue the check. 

I never received any mail. Called back again. Verified address every time. I repeated this process 3 times, never received any letter. They are not sending me this document to reissue the check. 

I escalated to a VP i knew. He said he would help. I got an email from them today with an " attachment '' asking me to fill it out and return the document " notarized '' to them. The attachment was obviously incorrect and did not have any area for me to fill out. Almost as if they attached random documents they had on their computer. 

This process is ridiculous. This lender has stolen from me and refuses to give me my money back. I keep getting passed around and I refuse to go to a different local bank to notarize a document where I swear I haven't received or cashed their check. A document that they can't even provide. They should know if i had received and cashed their check. The only checking account I have is with this bank as well. I am stuck. They have stolen from me.
Product: Prepaid card

Someone stole my cash app card on XX/XX/2023, I notified them and reported my card stolen. I disputed the transactions because cash app would not cancel them while they were pending. Cash app immediately denied the disputes four times, told me I am committing fraud and refused to return my money. When you call them they ignore your request and concern and hang up on you. The charges were from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX again in the amount of XXXX. This has been scary for me. I need assistance with getting them to honor my dispute and refunding my money. I have contacted them over 30 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Input an inquiry on my credit which was completely unauthorized and I do not recognize nor provided them access to my credit. I looked up that XXXX means floor and decor, I do not even own a home, this is utterly and completely fraudulent.
Product: Credit card or prepaid card

I signed up for the Platinum Delta Skymiles credit card from American Express with a welcome offer of XXXX bonus miles if I spent {$3000.00} in the first 3 months, which I did. To date, I have not received the bonus miles despite meeting the requirements, and paying their hefty {$200.00} annual fee. I have contact them multiple times via their online chat. I contacted them on XX/XX/XXXX, again on XX/XX/XXXX, where they confirmed I would receive the bonus miles in the next 1-2 billing cycles. Contacted them again on XX/XX/XXXX which they indicated my case was being looked into. And a final time on XX/XX/XXXX with no result.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX  XXXX XXXX Balance Owed : {$710.00} CB/VICSCRT XXXX Balance Owed : {$200.00} XXXX XXXX XXXX Balance Owed : {$120.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance Owed : {$580.00} XXXX XXXX Balance Owed : {$230.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$10.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

After review of my most recent Equifax credit report I discovered an account status was reporting incorrectly. This account is showing as " Paid As Agreed '' which is correct but reporting a status as " CLOSED '' which is incorrect? If this account is paid as agreed, under what grounds is it being reported " CLOSED ''? The account status is reporting incorrect which is also affecting my credit rating. Please update account to an " OPEN '' status please. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

an auto loan is reporting under my equifax credit reporting agency, this is an inaccurate information, this does not belong to me, l please help me in this situation, since i have already obtained a police report, and the FTC report, i have been providing these documents to equifax for several times but they have not been helpful at all. as a consumer i am turning my wheels towards you and i need your help, please find attached the same documents and you will see for yourselves thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report a Fraudulent Collection from XXXX XXXX XXXX {$2500.00} after the Collection Company XXXX XXXX XXXX has requested by letter to have the incorrect information removed from my credit report. I have attached the deletion letter from XXXX XXXX XXXX and I have called Equifax to request removal of the fraudulent collection which they refuse to do so knowing it is incorrect information being reported. 
I have disputed this issue with Equifax and provided the deletion letter to them also. The other two credit reporting agencies have removed the fraudulent account but Equifax has not and refuse to do so.
Product: Mortgage

My initial loan was sold to Loancare LLC. I refinanced with XXXX XXXX. XXXX required escrow to cover my winter taxes, I informed them that Loancare had all the funds already to pay my winter taxes. I was assured by XXXX I would be receiving my escrow monies back from Loancare within 60 days. When I did not receive my monies, I contacted Loancare and determined they also sent a check to my township that has been sitting in their treasuries office for over 2 months. I contacted my township treasurer who stated a simple fax or email from Loancare stating the check could be released to me for the double payment of my winter taxes. I contacted Loancare and after multiple attempts they still have not completed this small task. They refuse to simply cancel the check and send me out new check. I am concerned that if my township sends the check back to Loancare, they will say they never received it and I will be continuing this fight for a long long time to get my escrow refunded to me. 
PLEASE HELP!!! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX