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

Hi, On XX/XX/XXXX I had carpet installed by XXXX XXXX in XXXX CA. When I went in on XX/XX/XXXX I was going to pay using my debit card or XXXX  credit card for a total of {$5000.00} on carpet and installation but the sales representative sold me on getting it financed at 0 % through Synchrony Bank XXXX XXXX. He said he could quickly run my credit for approval and I got approved. My receipt of actual purchase is dated XXXX XXXX which is the date they installed the carpet and I signed the purchase which I decided to go ahead and put on the Synchrony card I approved for. 
There was a promotional balance that according to my receipt and contract from Synchrony Bank would expire on " XX/XX/XXXX. '' Having been told I have a 30-day grace period for the full payment to be received before the deferred interest hits, I attempted to mail payment in XXXX after the portal was not working for a couple days. Payment hit on automatic instead of full amount and upon noticing I called Synchrony to explain and they said my promotional balance ended in XXXX and not XXXX. But I have proof in the contract that it says XXXX. They said there is nothing at all they can do even though this mistake made me lose time in sorting out the payment issue. Had I known it was XXXX I would have started to resolve much earlier. Statements were in junk mail and I was going by my contract and had payments set up. The bank insists I should have noticed and therefore there is nothing that can be done. " My time passes. '' It means that although they made a mistake, it was my bad for not catching them on time and they can't do anything at all. This is simply predatory behavior. I called to have my amount owed paid in full and request the {$2300.00} dollars on interest charge on a {$5000.00} purchase waived. I've never been late and have been their customer for over 15 years and they can't be accountable or even show apologies for the error made and lack of accountability. I spent {$5000.00} and {$2300.00} is almost 50 % in interest. This is unethical to say the least.
Product: Credit reporting or other personal consumer reports

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

Account Name : 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 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

I previously disputed a public record on my credit report. Transunion said they investigated and the results were provided and confirmed by XXXX. The first issue is Transunion should investigated the account themselves as stated by the federal law. I initiated a request from XXXX and they say they don't even have a file on my name or information. This public record should be deleted immediately from my credit report as it is incorrect and false.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint 2 months ago and they have not helped me, they have allowed the credit bureaus to continue failing to fulfill their duties.
Product: Money transfer, virtual currency, or money service

Made an instant transfer for {$350.00} ( {$5.00} fee ) in XX/XX/2022 on the XXXX XXXX XXXX XXXX to a Union Bank checkings account and never received the money. Spoke to both parties, XXXX claims the transaction for {$340.00} was successful and Union Bank that it was not, each independently through their respective investigations.
Product: Credit reporting or other personal consumer reports

I was checking my XXXX XXXX and found several accounts in my report that aren't mine. Two XXXX XXXX, one XXXX XXXX, and one XXXX XXXX XXXX Thousands of dollars on each account. Dropped my credit score by about XXXX points. 
I have since placed a security freeze on all XXXX credit bureaus, disputed the phone number and XXXX XXXX address, and am filing a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against USAA Federal Savings Bank regarding their failure to respond to a billing error I reported on my Credit Card billing statement on account numbers XXXX and XXXX. I initially noticed the billing error on XXXX XX/XX/2023, when viewing both the XXXX statement for the certificate of indebtedness on account XXXX and the XXXX statement for the certificate of indebtedness on account XXXX, and in accordance with the regulations outlined in 12 CFR 1026.13, I promptly sent a written notice to USAA Federal Savings Bank on XXXX XX/XX/2023 via United States Postal Service Certified Mail Receipt Number XXXX. Instead what USAA has done is closed one of the account ( s ) XXXX and continued to report negatively on my account. This has caused me great harm and has not allowed me to take job opportunities that could assist in me paying off debt to setting the affairs of my estate and be in good standing in the private and in my private life. I've also attached my credit report as evidence. According to 15 U.S. Code 1681n, any person or entity that willfully fails to comply with the requirements of the FCRA may be held liable for actual damages, punitive damages, and attorney 's fees, as determined by a court of law. The specific noncompliance issue in question involves USAA Federal Savings Bank 's unwillingness to send me an acknowledgment of my billing error notice. This action has had significant adverse effects on my rights as a consumer and has caused me undue financial and emotional distress. I've missed out on employment opportunities that could pay me XXXX XXXX more per year. I'm also aware that my account was/are held in a trust according to USAA Trust Indenture Agreement. I kindly request the CFPB to investigate this matter and ensure that USAA Federal Savings Bank complies with the billing error resolution requirements outlined in 12 CFR 1026.13. I also request appropriate action be taken to protect consumers and hold USAA Federal Savings Bank accountable for their failure to address my legitimate concern.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding my federal student loans, which have been placed in collections without proper notification from my loan servicer. This has negatively impacted my credit score, and I am requesting an investigation into the actions of the servicer and a resolution to rectify the situation.

Details of the Issue : 1. My federal student loans were recently placed in collections, and I was not informed in advance. I did not receive any written notices, phone calls, or emails about the delinquency or the risk of default, as required by federal regulations.

2. I only became aware of the situation when I noticed my credit score had dropped significantlynearly 100 points.

3. Upon reviewing my account, it became clear that my loans had been sent to collections without any effort to contact me or provide me with an opportunity to rehabilitate or resolve the delinquency beforehand. My loans also show closed and open. 

Impact of the Servicers Actions : The lack of notification denied me the chance to bring my loans current or explore available repayment options, such as income-driven repayment plans or deferment/forbearance. 
This failure has caused significant harm to my financial standing, as the collections status is now reflected on my credit report.

Requested Resolution : 1. I request a thorough investigation into the actions of the loan servicer to determine whether they followed the proper notification requirements before placing my loans in collections.

2. I ask that steps be taken to rectify this situation, including : Removing the collections status from my credit report.

Providing me with options to rehabilitate or consolidate my loans to bring them out of default.

3. I also request that all future communication be sent to me directly, both by mail and email, to prevent similar issues.

Supporting Documentation : I have attached : A copy of my credit report showing the collections status.

Any correspondence from my loan servicer ( or lack thereof ).

Screenshots from my StudentAid.gov account confirming the current status of my loans.

I trust the CFPB to address this matter promptly and hold my loan servicer accountable for failing to comply with federal requirements. I am available to provide any additional information as needed. 

Thank you for your time and assistance.
Product: Credit card or prepaid card

I was alerted by Bank of America on XX/XX/XXXX of possible fraudulent charges to my Bank of America Travel Rewards card. I quickly logged in electronically and verified that the 10 charges were fraudulent. I was out of town in North Carolina at the time and had my card in my possession. Surprisingly and startlingly, Bank of America denied my claims. I asked them to reopen the case as it was IMPOSSIBLE that the charges were mine. I just received notification that they denied my request again. It is physically impossible that I made the charges or signed for them. No one else was in possession of my credit card. I have received absolutely no proof that they have that I made the charges ... because I DID NOT MAKE THEM. I am frustrated by the customer service on this issue for a bank I have done business with for over 30 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease and Desist All Communications Regarding Progress Card # XXXX XXXX XXXX **** Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all communications with me through any and all mediums, including but not limited to phone calls, emails, text messages, postal mail, and any form of electronic communication concerning the above-referenced account. This request extends to any reporting or updates on my consumer report. remove inaccurate account immediately Pursuant to 15 U.S. Code 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), once a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or wishes for the debt collector to cease further communication, the debt collector must not communicate further with the consumer except to inform them that no further efforts will be made, or to notify them of specific legal actions that may be undertaken.

Specifically, 15 U.S. Code 1692c ( c ) states : " ( c ) Ceasing communication : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; '' The term " communication '' as defined under 15 U.S. Code 1692a ( 2 ) includes any conveying of information regarding a debt, directly or indirectly, through any medium. Therefore, any attempts to contact me regarding this account, including any updates or reports to credit reporting agencies, must immediately cease.

Please consider this letter as my formal notice under 15 U.S. Code 1692c ( c ) that I refuse to pay the alleged debt and request that you cease all further communication with me regarding this matter. Any further contact by your office or any representatives of XXXX XXXX XXXX will be considered a violation of the FDCPA, and I will take appropriate legal action. 

I expect written confirmation that you have received this letter and that no further contact will be made. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$13000.00} XXXXXXXX XXXX XXXX BALANCED {$1300.00} XXXX  XXXX XXXX BALANCED {$2500.00} XXXX XXXX BALANCED {$0.00} XXXX XXXX  XXXX XXXX XXXX {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Immediately delete these accounts because I asked for sufficient evidence from each company and the 15-day window has passed. Due to improper communication, I demand that these accounts be deleted right away, or I will file a lawsuit since my rights as a consumer have been infringed. I am appalled by your lack of assistance to consumers, and I urge you to reconsider. Please solve this case to my satisfaction or I will take additional action to obtain the results I require. My credit is very important to me, my rights are being infringed, and I am in a XXXX  XXXX as a result of this circumstance.
Product: Mortgage

On XX/XX/XXXX we sought out a mortgage on a double wide home on a permanent foundation. We got pre approval from this company but later was told they dont fund mobile homes. 

So our realtor suggested a new company, River City Mortgage. Based on his suggestion we applied for the mortgage through them. We got the pre approval letter on XXXX along with the i rial disclosures. We submitted every document they requested within one business day. 

We then had the appraisal submitted on XX/XX/XXXX and it appraised at {$190000.00} which was {$2200.00} under our offer. My realtor called and asked what I wanted to do and I said I would not cover the difference. He told me the seller might walk away and I said thats fine and that if she walks away she walks away because we arent covering the difference. 

My realtor called me back very quickly and told me that the appraiser is going to fix the report to get it to our offer. I was led to believe that this was a small typo error. 

After that I was told we are closing before the new year. Then day after day we were delayed all the way up until XX/XX/XXXX when I asked my loan officer what has been taking so long. Thought this process I was told it was because the underwriter needed to review documents we submitted, but on Saturday the XXXX, the loan officer responded with the appraisal. I responded with oh how there was a typo error? 

He then answered with a long message that stated Well kind of the appraisal came in low because the appraiser incorrectly used the assumed sale price of XXXX when it was XXXX Then the sellers realtor called the appraiser and had her change the value ( illegal move between us ) and then told me about it AFTER Then the realtor increased it and noted it was based off of the sale price increasing ( not a valid reason to increase value ) So, its just been a XXXX show of trying to make sure the appraisal remains usable and complaint without having the underwriter report the act that happened because she can likely tell. 

So after talking with those close to me I decided to step away from the deal based on the above text. The illegal and unethical acts taken by the seller agent and the appraisal company and anyone involved in the cover up there in. 

Everyone wanted to steal the {$2200.00}, that the house didnt appraise, for from my fianc and I. Everyone benefited from this collusion except for us. This collusion made us feel cheated, disgusted, and distrusting in everyone involved.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to inadequate customer service and unfair practices. Which violates the consumer financial protective act ( CFPA ). Cash app failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  reported Wells Fargo /XXXX XXXXXXXX XXXX XXXX account fraud account XXXX my right dont agree remover only say account has verify why is Verifycation use this account is no mine and danger my score and need remover immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XX/XX/2020 XXXX 1 Late Payment is an error reporting on my credit
Product: Credit reporting or other personal consumer reports

Bank errors in billing and reporting have caused significant harm to my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to ensure payments and credits are reported accurately. However, I have identified multiple issues with my account. A payment I made was not properly recorded, and there are evident calculation errors in the reported balance. Additionally, I was not given the required XXXX notice before the payment was due, rendering any reported late payment invalid. These reporting inaccuracies are a direct violation of federal law and have unjustly damaged my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my Credit Report and have seen a Number of Fraudulent Inquiries.i have contacted the Creditors and they have No Evidence of Credit with Them : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Credit card

Venture credit card. A merchant charged {$1900.00} more than they should. The service was misrepresented during the sale, and the merchant refused to give a refund to me. I called Capital One and spoke with a representative. The representative advised to open a dispute for fraudulent transaction. Following the call and submission for a transaction dispute, on XX/XX/2023, XXXX  sent an electronic letter requesting more documentation. On XX/XX/XXXX, per the XXXX letter I called XXXX  to request a secure upload link - all of this is EXTRA time and effort no the customer 's part. On XX/XX/XXXX after receiving the secure upload link, I uploaded documentation that was requested by XXXX. Then later that day, XXXX  sent an electronic letter stating " no requested documentation was received '' and as a result, charged me {$1900.00} and closed the case.

This case is NOT closed. I kindly request XXXX  to refund my money. {$1900.00} is a lot of money for services that were not rendered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified XXXX over and over again about this incorrect information. I have called and written them dating back from XXXX. 
I have provided accurate and up to date information regarding my auto loan which was paid satisfactorily and NOT INCLUDED IN MY BANKRUPTCY as XXXX continues to report causing a dip in my score. I have sent in documentation showing proof that my auto loan account was paid in full from the lien holder continuously but XXXX will not update the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian about the following negative accounts XXXX  XXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Student loan

This school was closed recently in 2018. Can my student loans be discharged?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against the credit bureaus due to their continuous failure to address my dispute letters concerning inaccurate information on my credit report. Despite multiple attempts to resolve this issue through the appropriate channels, the credit bureaus have not acknowledged or investigated my disputes, as required by the Fair Credit Reporting Act ( FCRA ).

Even after multiple submissions, the credit bureaus have failed to provide any response, confirm an investigation, or correct the disputed information. This lack of action clearly violates the FCRA, which requires credit bureaus to investigate disputes and respond within 30 days.
Product: Debt collection

My account was sent to XXXX by Synchrony Bank. When the collection agency contacted me I requested for an settlement. After settlement was paid in full XXXX sent back to Synchrony Bank my information stating that the account was paid in full. Synchrony Bank representative stated " they do not show any agreement, although my account started at XXXX, I sill owed XXXX ''. I sent them a copy of the letter that I have from XXXX, stating that my account was paid in full, but I cant get a response from Synchrony Bank.