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

On XX/XX/XXXX. 2021, my wife and I went to my local Lowes at XXXX XXXX XXXX XXXX, GA XXXX to purchase a XXXXXXXX XXXX. I applied for the Synchrony Bank/Lowes credit card in order to save 20 % or up to {$100.00} off of my purchase at the Lowes Customer Service Counter. I provided my GA state issued drivers license ; I also provided my social security number and annual income.

I was then told that my application was on HOLD, so they had to call Synchrony to provide additional information. The additional information was provided over the phone along with the credit amount requested ( {$3000.00} ) ; however, the Synchrony Bank representative on the phone stated that they could not verify me, and that she would need to send me a link for further verification. This verification included my facial picture without hat or my eyeglasses on, and a picture of the back and front of my drivers license which I provided. They still could not VERIFY me.

I contacted 2 managers at Synchrony Bank/Lowes who could not provide me with any answers, or any recourse to rectify this situation ; however, the Lowes representative verified my GA issued drivers license, and I also provided a facial picture, and picture of my license on a link provided by Synchrony Bank via my mobile phone. I do not know what else I could have done to prove that I am me.

The Lowes Representative behind the counter stated that in her 7 years of employment at Lowes that she had never seen anyone go through such a verification This was the most humiliating, and demeaning experience I ever experienced applying for credit ; by providing my picture, I believe that Synchrony actions were racially motivated, and being an XXXX XXXXXXXX XXXX was the determining factor needed to deny me a Synchrony/Lowes credit card. 

I also believe that providing my picture exposed me to undue discriminating factors that were utilized by when determining my credit worthiness ; In addition, Synchrony/Lowes policies failed provide me any remedy after these adverse circumstances occurred. They provided me letter, which I received in the mail, on XX/XX/XXXX stating we are unable to confirm your identify with enough confidence to approve your application at this time Synchrony Bank sent the letter to the address that I provided on the application. 

All of my credit scores are exceptional with scores ranging from XXXX XXXX ; my income exceeds {$100.00}, XXXX +, and my debt to income ratio is less than 22 %. There is no reason for me or anyone else to be subjected to such discriminatory practices when applying for credit. I am shocked and appalled that new practices, and tactics are being XXXX by Synchrony Bank/Lowes that make it almost impossible for an XXXX XXXX XXXX to prove that he even exists.
Product: Debt collection

I was contacted on or about XX/XX/2018, by XXXX XXXX XXXX XXXX, for a debt with XXXX stores. I paid it immediately with them. I asked how I am turned to collection, when I never received a mailed bill, e mailed bill or call from XXXX. The agent from XXXX XXXX noted, for some reason, there was a block on my account, which may explain lack of billing I am very conscious of my credit rating, and am never late with a payment. This has trashed my credit from XXXX down to XXXX. I was looking to apply for a mortgage, and now can not, due to this. I have e mailed XXXX but gotten no reply. I can not call, because when i do, it goes direct to " contact XXXX XXXX regarding your account '' I feel sending me to collection, over a bill I did not get, is a violation. 
I appreciate anything you can do to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT,  CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Product: Debt collection

I disputed a collection account on my credit report inXX/XX/XXXX that was put on there by PROCOLLECT. They didnt send back enough proof but just a one page printout of a bill I supposedly owed XXXX XXXX. I sent them back a letter asking for the entire bill which they state they didnt get. 
XX/XX/XXXX I Also contacted XXXX at XXXX XXXX to get a copy as I had already spoken to XXXX in XX/XX/XXXX about sending me different bills for the same Account that was closed. 
XX/XX/XXXX In a message I have recorded XXXX Explained to me that since the account is already at PROCOLLECT it will take them at least 48 hours to get the billing history from PROCOLLECT since they werent providing it to me. I could also attempt to get the same from PROCOLLECT. 
XX/XX/XXXX I sent a certified letter to procollect that they still state the didnt receive. USPS tracking number XXXX. 
XX/XX/XXXX. I recieved a call from PROCOLLECT that I have a recording of in which the representative stated 1. Falsely stated that they have never recieved any of the information for requests that I sent. and she wouldnt listen to anything I said.

2. The representative stated that thier client who is XXXX  had not reached out to them.

3. Falsely stated that I refused to pay 4. stated that if I dont pay by the XX/XX/XXXX they'll just re-report it to the credit bureas.
Product: Checking or savings account

I opened a US Bank Smartly Checking Account on XX/XX/XXXX with promotional code XXXX applied. 

The terms are as follows : Get {$400.00} if you complete XXXX or more direct deposits totaling {$5000.00} or more within 90 days of account opening. 
Bonus offer is available starting XX/XX/XXXX. 
Bonus offer ends on XXXX XXXX, XXXX. 
Bonus Details : A minimum opening deposit of {$25.00} is required. 
Complete these steps within 90 days of opening your new XXXX checking account in a branch, online or over the phone : Enroll in online banking or the U.S. Bank XXXX XXXX. 
Complete XXXX or more direct deposits. 
Bonus will be credited to your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank XXXX XXXX as long as your account is open and has a positive balance. 
To have the promo code automatically entered for you in the application process, use the link above. If you apply for your checking account on another page, you'll need to enter the promo code manually. 
Offer is not valid if you or any signer on the account has an existing XXXX Bank consumer checking account, had a U.S. Bank consumer checking account in the last XXXX years, or received other U.S. Bank bonus offers within the past XXXX years. 

I opened the account with the {$25.00} required deposit. 
I enrolled in online banking the same day. 
I have not had a US Bank account in the past XXXX years and I have never received a US Bank bonus. 
I received employer direct deposits totaling {$5000.00} or more on XX/XX/XXXX ( within the XXXX requirement ) I first called after meeting the criteria on XX/XX/XXXX to inquire when I would receive the bonus. I was told it would post within XXXX weeks from XX/XX/XXXX. After XXXX weeks passed and I still hadn't received the bonus, I called again. I was told to wait several more weeks. 
I spoke with multiple representatives since XX/XX/XXXX inquiring when I would receive the bonus and received different information regarding the date the bonus would be paid. All representatives confirmed I met the eligibility and would receive the bonus. After XXXX days had passed since my meeting the eligibility on XX/XX/XXXX, I called US Bank again on XX/XX/XXXX to inquire why I still hadn't received the {$400.00}. I spoke with XXXX who also confirmed I am eligible. He escalated my issue to XXXX XXXX ( XXXX, XXXX ). XXXX called me the same day and stated that I was not eligible and there was nothing they could do. Due to the inconsistencies, lack of customer service, and failure to honor the promotion, I called on XXXX to close my account. I have met the eligibility per the terms and request US Bank honor the terms and issue the {$400.00} I am owed in the form of a check, prepaid XXXX XXXX or XXXX, or to my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 Per the FCRA, as a federally protected consumer, I am opting out of any and all authorizations, I the consumer may have given you, written you, not written you, verbally, non-verbally. Per 15 USC Code 6802. I am rescinding effective immediately and indefinitely.

15 U.S. Code 6802 Obligations with respect to disclosures or personal information ( a ) Notice requirements ( b ) Opt out ( c ) Limits on reuse of information ( d ) Limitations on the sharing of account number information for marketing purposesA financial ( e ) General exceptions I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all hard inquiries per 15 USC Code 1681 in which they have not.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting at consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures I have asked all credit bureaus ( XXXX, Equifax, XXXX ) to remove all student loans information per the Family Educational Act of 1974,20 U.S. Code 1232g - Family educational and privacy rights in which they have not. 

Family Educational Rights and Privacy Act ( XXXX ) : The Family Educational Rights and Privacy Act ( XXXX ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ) is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education. 

I have asked them to removed inquiries in which they refused.
Product: Credit reporting or other personal consumer reports

I have reached out to Experian several times in regards how my credit is being reported and they continue to ignore my requests. They have me late for XXXX XXXX, although I've advised them that the account was under deferment and the months that it was deferred should not reflect as late. I have also advised them that I do not have an account with XXXX XXXX XXXX and they have added that collection to my account without evidence of a contract. They are also allowing XXXX and XXXX to report me as late when in fact both accounts were in deferment for a divorce. 

They have also allowed charge off without proper documentation. I requested copies of the documents from XXXX XXXX XXXXXXXX and from Experian in which it was never provided. 

I have also asked to remove the employer on file as it has changed and they refuse to update my information. 

They have allowed 5 inquiries from the same company that pulled my credit, when instead it should only count as one. 

Experian is violating my rights under the Fair Credit Reporting Act and is allowing misuse of my credit by creditors without evidence.
Product: Credit card or prepaid card

XXXX has been non-compliant with removing the unverified account BENEFICIAL BENEFICIA-XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX  have both completed their research and determined that BENEFICIAL was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I recently received a notice that my mortgage payment would be increasing monthly by approximately {$300.00} due to an increase in county taxes. I called USAA for clarification on the significant increase in escrow, and was informed that it was due to the county taxes increasing. She believed the seller may have received tax credits that I 'm not eligible to receive, thus accounting for the difference. However, I called USAA again and spoke with another representative who confirmed that the taxes calculated at closing only included the semi annual amount, and that amount should have been included twice since XXXX XXXX taxes are semi-annual. She also confirmed that this calculation was a significant error and thus my closing disclosure was not correct. I asked if USAA 's loan processor, underwriter, or anyone involved with the bank should have checked these figures prior to closing, or soon thereafter, since ultimately USAA is the loan originator and servicer, and she informed me that it 's a title company issue. Due to the drastic increase in the monthly amount that I 'm now responsible for, I 'm filing a complaint as I believe this is a violation of Regulation X and TRID. Given the impact this will have on my monthly payments, this appears to be an egregious violation of Regulation X and TRID due to an incorrect escrow calculation, incorrect closing disclosures, and an extended amount of time that has elapsed since the error was made, etc.
Product: Student loan

In 1999, at XXXX years old, I enrolled in a XXXX XXXX XXXX program at XXXX XXXX XXXX University with an income of {$0.00}. To pay for college my parents and I applied for student loans and received the full amount of student aid available to us at the time. This was not enough to cover the funds therefore we also took out " Signature '' loans from XXXX XXXX, which have been sold to different groups over the years and are now serviced by Navient. I have XXXX separate loans with interest rates of ( 8.5 % - XXXX loans, 3.5 % - XXXX loans, 4.75 % - XXXX loan ) and owe a total of {$31000.00}. My total monthly payment is about {$400.00} and I want to negotiate with Navient to lower the interest rate of my 8.5 % loans. Do you have any suggestions for me? I consistently pay my loans, although due to financial hardships I have made late/delinquent payments. I have NOT defaulted on any of my loans and I do n't want to get to that position. I am also interested in consolidation and any income-based repayment plans. Additionally, I work in public service ( XXXX XXXX ) and am interested in any public service loan forgiveness programs.
Product: Debt collection

XXXX XXXX ask them to verify debit and amount and the company was disrespectful and will not remove the negative account from my report which reflects a bad imagine on me that goes of defamation of character.
Product: Credit reporting or other personal consumer reports

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 remove these fraudulent inquiries from my credit report. 
I also attached my identity theft as well.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX RE : Cease and Desist currently has an account ASSETCARE LLCount listed on my XXXX consumer report that is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in the appropriate court venue for damages related to fraudulently trying to collect on a debt that I do not owe. I have never contracted with this company, and I am demanding verification of such alleged debt. Verification is defined as a formal declaration made in the presence of an authorized officer such as a notary public under oath but in the presence of such an officer whereby one swears to the truth of the statements in the document XXXX, XXXX. ( XXXX ). XXXX 's XXXX XXXX ( XXXX XXXX. ). I also demand proof that this corporation provides proof that I signed a contract with them. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since you will not be able to prove that I owe your company any money, I demand the following account be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Original creditor XXXX XXXX XXXX  within 30 days from receipt of this notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had done nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my File. I have been sending countless letters appealing to Equifax to verify the disputed items and remove them if unable to prove that the Items are mine. In fact, I have sent them my FTC complaint report and my Police Report which I filed on my local Police Department just to prove that I have been a victim of Identity Theft and the items I am disputing do not relate to any transaction that I have made or authorized. Neither did I receive any possession of goods, money, services, nor benefits from the Theft of my Identity. I have read that the Credit Bureaus are bound to comply with the FCRA regulation section 605b but despite all my efforts to inform Equifax about the theft of my Identity and that the items were never mine, they never cared nor paid any attention to my Disputes. They became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. I came to a conclusion that the Credit Bureaus are not afraid to break the Federal law thus they chose to be lazy and neglected my appeals. Once again, I am urging Equifax to remove the following items completely from my Credit File with or without proper verification since the time given to the Credit Bureaus to investigate was already over. I need the following Items removed now! 

XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$17000.00}, XXXX XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance {$65.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$10000.00}, XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$11000.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00},
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$390.00} XXXX XXXXXXXX XXXX Balance : {$900.00} XXXX XXXXXXXX XXXX Balance : {$440.00} XXXX XXXXXXXX XXXX Balance : {$580.00} XXXX XXXXXXXX XXXX Balance : {$83.00} XXXX XXXXXXXX XXXX XXXX : {$110.00} XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXXXXXX Balance : {$820.00} XXXX XXXXXXXX XXXX XXXX : {$210.00} XXXX XXXXXXXX XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX : {$130.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX XXXX XXXX : {$1400.00} XXXX XXXX XXXX**** Balance : {$0.00} XXXX XXXX XXXX Balance : {$270.00XXXX XXXX XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

i needs XXXX $ back i files fruad to bank year ago still us bank refused refund me debit not my fault is the bank fault now i get debit latter please refund XXXX $ sent a check to me
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 violate the Consumer Financial Protection Act ( CFPA ) .Specifically, Cash App failed to take timely and effective measures to prevent and 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 resoultion requirements under the Electronic Fubd Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

Kindly eliminate all unauthorized hard inquiries that violate 15 USC 16c-2, as they harm my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Accounts in violation : XXXX XXXX number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXX XXXX- acct number XXXX XXXX XXXXacct number XXXX XXXX XXXXNo account number listed XXXX XXXX XXXX XXXX No account number listed 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 an 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 card or prepaid card

My sister went to the dentis and got dentures and she is very unhappy with the results, they are still in wax and they are not finished and I lent her my credit card from pnc and the amount was {$3.00} and I disputed this on my credit card gave them everything they needed and still they are not giving me my money back. This has been going on since XX/XX/2018. They also wanted me to go to another merchant to get feed back, and other dentist just don't won't comment on another dentist 's work, and I had to pay for the office visit. I did everything to see if I can get my money back and they still won't. When I talked to the supervisor from pnc he also agreed with me about the dentist not commenting and then I said I have another dentist to go see and he said ok, but that dentist said the same thing and now he won't even return my phone calls, and he also said at the same conversation before I told him I was gon na see another dentist, that they would see what pnc can do for me. But has not called me back for days, I am filing a complaint, this is crazy, That conversation was even on a recorded line so he should not even go back on his word. I have the date and time from that conversation that was recorded.