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

Dear officer This is XXXX XXXX, my UA account number is XXXX I had transfered XXXX points from chase credit card to UA account Chase logo Order Date : XX/XX/20. Order Number :  XXXXbut I did not received the milesI had called chase credit card service office at least 4 times and call UA XXXX service for 3 times. However, these does not work. I did not receive any points and miles. thanks XXXX XXXX
Product: Vehicle loan or lease

I had purchased my vehicle through JB Byrider XXXX XXXX i had my debit card on file with them at all times for my bi-weekly payment. XX/XX/2022 jdbyrider stated my card wasnt authorized but did not contact me to inform me of this. May paycheck was direct deposited so there shouldnt have been an issue. They repoed it on XX/XX/2022 while i was having it serviced. Never contacted me to inform me they repoed it for being a mere XXXX business days late which was their own fault for not processing. Illinois state law states account must be in default for a repo this wasnt even delinquent!! never gave me the option to pay it off either. Illegal repo take off my credit report before i sue!!!
Product: Debt collection

I sent them proof the date of the debit is incorrect. It was in XXXX of XXXX XXXX XXXX XXXX I was in the XXXX with my XXXX XXXX two years before. I sent the statement as proof. It was never corrected.
Product: Debt collection

I've recently got a copy of my consumer credit report and noticed an account i did not recognize nor have i entered a consumer credit transaction with this company. My privacy has been violated and my rights as a consumer have been violated under the FDCPA AND FCRA. I have been harassed by text messaging acquiring about an alleged debt
Product: Debt collection

THE COLLECTION COMPANY IS TRYING TO COLLECT ON AN ACCOUNT THAT WAS CLOSED DUE TO A STOLEN CREDIT CARD. THE ORIGINAL CREDITOR WAS XXXX XXXX FOR XXXX XXXX. I ATTACH THE ORIGINAL REPORT FROM XXXX XXXX STATING THE ACCOUNT WAS IN GOOD STANDING AND THE ACCOUNT CLOSED IN 2015 DUE TO THE CREDIT CARD BEING LOST OR STOLEN. 
MIDLAND FUNDING HAS NEVER SUPPLIED ANY VALIDATION OF DEBT AND IS VIOLATION OF EVERY FCRA LAW. ( 15 USC 1681 )
Product: Credit card or prepaid card

XX/XX/2023 : Used A Synchrony Financial Credit Card at XXXX for a {$45.00} transaction. 

XX/XX/2023 : Returned Some products to XXXX for a refund back to the Synchrony credit card in the Amount of {$19.00} XX/XX/2023 : Made a payment to Synchrony for the difference of the original purchase from XX/XX/XXXX, in the amount of {$25.00} XX/XX/2023 : Received an email from synchrony bank that I had a statement balance of {$19.00} That was due XX/XX/2023. 

upon my own investigation I discovered that I was charged a late fee of {$19.00}, A finance fee of {$1.00} and additional late fee for a total of {$41.00}. 
Synchrony bank reported I was late on payment to the credit bureaus. 
I placed two calls to Synchrony bank about this issue explaining I did nothing wrong and that my payment was made 43 days prior to an assessment of a late charge. I was asked whether or not I had my return receipt for the transaction that was made in XXXX as well as that I have a balance of {$41.00} for missing a payment. 

I went to the original purchase store ( XXXX ) spoke with a XXXX and was able to obtain printouts of both the purchase and return from XXXX. 

In a phone call with Synchrony bank, they stated that a dispute would take up to 60 days, with more late reporting sent to the credit bureau and during that time I may receive calls from a bill collector. 

I decided in order to avoid harassment from a bill collector, and destruction of my credit history to pay the additional {$41.00} which I technically did not owe. I asked Synchrony bank when would I get my money back once they were able to verify the situation and was told that the process can take up to 45 days, that I would receive a credit on the account and if I do not use the credit after a period of time a check would be sent back to me in the mail. 

So here I am, frustrated filling a complaint to the CFPB. I don't know who was wrong between XXXX or Synchrony Bank. I do know I was not in the wrong and should have never been in this position. The arithmetic was simple, a purchase minus a return is what I paid. I've always paid what I owe in a timely manner. What takes a lifetime to build can be destroyed in a moment and my question is why did this happen?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2022, Ive been trying to get the inaccuracy and incorrect information corrected on my credit report. Ive filed dispute after dispute. Reinvestigation after investigation showing them the incorrect and inaccurate items on my report. The results I get each month have been a updated report with even more inaccuracies and more incorrect items and some accounts not even looked at. It is now XX/XX/2022 and Ive sent another letter full of disputes, about the same accounts, same inaccuracies and same incorrect items. 

In accordance with the Fair Credit Reporting act These accounts continue to violate my rights even after 3 months of disputing. 
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. Code 1681i ( a ) ( 5 ) ( a ) ( I ) ( A ) .Reinvestigations of disputed information ( 5 ) A. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate items gives a reason to immediately remove those items from my credit report, so they should be deleted promply. I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. 

Ive sent all 3 credit reporting agencies another set of disputes pertaining to the same errors and incorrect information that they keep allowing to be put on my credit report. The disputes I sent have copies of my credit report, Ive circled each error, and all incorrect information. I attached the letter that I sent. I now will be going to theXX/XX/XXXX to file a complaint as well.
Product: Checking or savings account

I had a payroll check deposited into my checking account with usaa. My account was then put on hold for the funds but ended up being closed and was told I had to wait 60 days for them just to close the account all the way and send a check afterwards for the funds. There wasnt any fraud committed nor did any check bounce on my account. Im not getting the proper help with this issue through usaa the representatives have been rude and non insightful pertaining this issue. I have spoke to both departments I was told 10 days at first now XXXX and I am currently stuck in XXXX XXXX TX
Product: Credit card or prepaid card

On XX/XX/22 a charge for {$1300.00} with XXXX was made against my XXXX XXXX XXXX account. When I received my statement on XX/XX/22 I called Synchrony Bank and they informed me they would open a Fraud Claim. I received no other instructions. On XX/XX/22 I received a letter of Approval for the Fraud Claim with a stipulation it was still in review for XXXX  days. XX/XX/22 a letter stating I was responsible for this charge. 
Because the purchase was shipped to my address and that I participated in or benefited from this purchaseXXXX I called the Bank and they opened a new Fraud Claim.

I sent letter to the Bank President twice and received no action. two more Claims were opened and I sitll did not receive credit from Synchrony Bank. 
Police report was filed and in XXXX the Bank sent an affidavit to be completed. 
I just don't no what I'm suppose to do.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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




XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I leased a XXXX XXXX and Bethpage was the finance company. 
in XX/XX/XXXX the lease ended. I was instructed to return the vehicle to XXXX XXXX XXXX XXXX XXXX ( XXXX ). The vehicle was picked up and XXXX informed me that I had a {$XXXX} balance. I continued to receive mail from Bethpage CU which showed that I had an active savings account with funds in it. No mention of any outstanding balance On XX/XX/XXXX I called to close out my checking account and have the remaining funds sent to my home address. 
I was told by the Bethpage rep that they could not close the account because of an open balance on the lease account. 
I was told by the Bethpage rep that my account was overdue and accruing interest since XXXX. 
I was told I could not make a payment over the phone but had to wire funds into Bethpage I was told the outstanding was {$XXXX} XXXX explained that these numbers made XXXX sense, but I want to close out the account and file a dispute after. 
I wired into my Bethpage savings account enough funds to complete the {$XXXX} due. I called back to make a payment. 
I was told by the Bethpage rep that they could not close the account because I owed {$XXXX}. 
I paid this amount over the phone with my checking account information from XXXX. 

Bethpage engages in deceptive practices to ensure that overdue balances are not disclosed in order to rack up fees and interest. 
The entire return process with XXXX  is to hide the responsible party Bethpage CU.

The XXXX reps tell consumers {$XXXX} balance due. Bethpage send out notices of bank account information but nothing connected to the auto lease. 
Bethpage Reps contradict each other with endless calculations and numbers that move all over the place.
Product: Student loan

I was contacted by SL Finance around XX/XX/2020 about the Revised Pay As Your Earn ( REPAYE ) program. I have all of the email communication up until them not responding. I was told with this program I would have to initially pay I believe around {$500.00} in order to begin the repayment plan and then $ XXXX was to be forgiven once I made payments for 5 years. I have payment receipts from the payments I made to them, if not all of them, certainly most of them. I continued making payments through the pandemic. I have since received contact that my loans were not being paid on the actual Department of Education side of things. I'm still owing my full amount and when I reached out to them, they stated that the company has been seized due to being fraudulent. With how these payments were made, I was not able to dispute them through my financial institution so now it seems I'm just out of the money I was paying them. I thought I was paying on my student loans and now I'm unsure if I can make the payments for the new payments. Im not sure what I need to do at this point with everything.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 card or prepaid card

On XX/XX/XXXX I made a 0 % balance transfer from XXXX Bank of America credit card of {$16000.00}. I paid a balance transfer fee of {$480.00}. I also use this credit card for daily purchases. On XX/XX/XXXX, there was a {$1.00} interest charge. On XX/XX/XXXX, I first noticed an interest charge of {$.00}. I called BOA and inquired about these interest charges. The customer service representative stated that if I do not pay my full balance of the balance transfer and the purchased charges, then i will be charged interest. This was never explained nor was could I find it clearly spelled out anywhere as part of the balance transfer. Had I known this, I would never had done the balance transfer. I paid off the balance transfer in XXXX of this year. After firmly communicating with the XXXX, he agreed to credit me both of the interest charges. What I explained to him, was that, it made no sense in any case. If I would have had the {$16000.00}, I would not have done a balance transfer. He told me not to use my card once I do a balance transfer. I ended our conversation gracefully. 

I pay all of my current purchases once the charges are cleared to avoid interest charges. 

I was not charged interest for the first 2 months of the balance transfer, so these charges make no sense. 

My concern is not for me in particular, but for those people, that don't have a XXXX and XXXX, like myself. I would venture to say that many people have this issue and don't know it and do not understand it.
Product: Debt collection

Transunion is using false information and representation to get you to log into your account and pay. They are not proving consumer 's with a way to dispute your personal information without making a payment. This is illegal.
Product: Credit card

I just received a letter from TJ Maxx stating they were increasing my interest rate to XXXX percent. It was already high for no reason and they just increased it. I don't abuse my credit and I have a good credit score ( XXXX ). There is no reason for this increase. I just need to know if this is legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


XXXX Name : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  Employers : XXXX XXXX XXXX XXXXXXXX XXXX Addresses : XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public XXXX : XXXX  XXXX Bankruptcy XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax Employers XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Record XXXX XXXX XXXX Bankruptcy XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX Collecons : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Navy Federal Credit Union is my primary bank and I have had a previous primary and investment mortgage with this financial institution therefore I wanted to continue doing business. I submitted an application in XX/XX/XXXX to refinance my current conventional mortgage into a Veteran Administration mortgage. I received a letter denying the refinance XX/XX/XXXX because Navy Federal Credit Union noted that I did not meet Veteran Administrations guideline for 6 months consecutive payment since I had made a year advance payment on my current mortgage after receiving proceeds from a previous home sale. On XX/XX/XXXX, Navy Federal Credit Union mortgage processor, XXXX XXXX, asked me to contact my current mortgage company and request an account activity statement which would reflect how the payments were distributed monthly. I provided the account activity statement to her via email the same day. I then contacted Veterans Administration home loan department and the underwriter I spoke with stated that the " 6 consecutive payments '' requirement is onlyapplicable if it is a VA to VA loan. In my case, my current loan is conventional and I am refinancing into a VA loan. The underwriter provided VA circular # XXXX on page 4 which I also provided to XXXX XXXX via email. She then tells me that their institution also has to consider Government National Mortgage Association ( GNMA ), Page 7, subsection ( d ) ( i ) and ( d ) ( ii ). Which basically is the same consideration for 6 consecutive payments. The account activity statement satisfies how the payments were consecutively allocated towards the mortgage on a monthly basis which meets the guidelines for Veterans Administration and Government National Mortgage Association therefore I am requesting an objective third party review.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against equifax for failing to properly investigate my dispute regarding inaccuracies in my credit report despite my submission equifax consistently responded in XXXX stating the account accurate without providing any evidence of a through investigation this practice violates the fair credit reporting act ( fcra ) 15 u.s.c XXXXi which mandates a reasonable investigation of disputes furthermore equifax actions may also contravene the consumer financial protection act ( capable ) XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) - ( B ) as highlighted in the cfpb a recent administrative proceeding ( file no. XXXX ) against them for similar violations I request the cfpb take action to ensure equifax complies with federal law and provide consumer with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

XXXX and Credit Collection Services continue to report an alleged debt that I owe without sending me proper documentation to validate this alleged debt. I would like to know how it was validated and with whom did this validation process happen with. 

Furthermore debt collectors are third party debt buyers and I have no obligation to pay and I refuse to pay it! 

XXXX and Credit Collection Services are both required under FCRA to follow reasonable procedures to protect consumers against fraudulent reporting.
Product: Student loan

I refinanced my loan just a few months ago. Refinance was to start in XXXX. I JUST received my bill with my payment information on XX/XX/XXXX ; the letter was dated XX/XX/XXXX. I am online only on bills, so there should have been no delay in receiving this explanation of my refinance. 

Last month, I attempted to pay my student loans, as I do every month. However, it had my balance as {$0.00} and nothing due ( refinance came through ). I didn't make a payment without knowing if my account information would change or what more information I needed. Then, I received a notice from the DOE that I missed a payment, which, of course, is inaccurate as far as I could tell. Now, the letter I just received today said my first payment under refinance was due XX/XX/XXXXXXXX The website still has my amount due as {$0.00} and my balance as {$0.00}. Additionally, there is still no reduction given to all XXXX XXXX students. That last, however, I am unsure if it is the problem of the service provider or the DOE. 

My service provider is EDFinancial. Not only are their communications late and inaccurate, but navigating their website to find even the most basic information is more than a pain.
Product: Prepaid card

Redeemed a promotion through XXXX XXXX. I received a {$50.00} debit XXXX reading " valid thru XXXX ''. On XXXX/XXXX/2015 I attempted to activate the card for use and was told by citibank ( XXXX # XXXX ) that the card was promotional and expired and he would not reissue the card although it still had {$50.00} on the card. I explained that the card reads on front that it is a " Debit '' " XXXX '' for {$50.00} and I requested that a replacement card be issued to access those funds on the debit card. He refused stating it was promotional. I understand that debit cards are often handed out as part of promotions - but nonetheless- this card reads " Debit '' " XXXX '', still has funds that I would like access to ; that he was refusing access to funds given to me. This is not a " use it or lose it '' situation. I was promised a {$50.00} debit XXXX and I would like to use that {$50.00} at my leisure and if the card expires, please issue a new XXXX so that I have access to the funds. A promise is a promise.
Product: Debt collection

They have contacted the company in which Ive never worked out and do not currently work out regarding my personal information and this is a violation of my privacy. They are threatening to garnish wages from a company. I dont work at never have worked at, and Im sure theyve supplied them with my information now. They also filed suit without giving me proper notification. I have asked this company numerous times to provide me with the original contract of this debt and they have felt to do that which is in violation of the fair credit act. The amount of the debt {$4600.00}. The account number is XXXX
Product: Money transfer, virtual currency, or money service

My account has been under review for a month now. 
I gold my crypto in coinbase and they but my account under review without any reason. 
I sold my last BTC XXXX XXXX and after that i can't sell nothing. 
Yes i have small amont of money there but for me it is big. 
I sent them first complaint in XXXX. XXXX. They answerd a plain replay in XXXX and i answerd back. 
The last lether they sent me was XXXX. XXXX and they told that they will close case in 48 hours and fix the problem but they didnt. Today i sent a New complaint and got again a stamp answer. 
I Hope that you can help me