23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Hi my name is XXXX XXXX XXXX, I am having communication problems with Experian Credit Bureau, they are failing to get back to me and my written disputes and remove XXXX collection accounts from my credit. I have XXXX accounts that appear from the same company and I have reached out to them as well. 
Experian is the only bureau reporting the information. I also have brought to their attention they have wrong names on my credit as well as addresses and employment information. It has been 3 months and the information or the accounts have not been deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has XXXX accounts
Product: Checking or savings account

I went to the Truist XXXX XXXX to find out what happened to the funds from the BB & T Branch Bank and Trust previous bank -Descendants of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The account was XXXX XXXX XXXX XXXX XXXXXX/XX/year> The bank has not provided information as to where or what happened to the XXXX XXXX in funds that were in the bank account and how do we recover the funds.
Product: Credit reporting or other personal consumer reports

I PROVIDED THE ( IDENTITY THEFT POLICE REPORT ) AS WELL AS THE FTC REPORT i provided all the documentaion to verify my identity this is also my SECOND cfpb complaint THE said credit reporting agency has not UPDATED NOR REPORTED ACCURATE INFORMATION as should be upheld due to the F.C.R.A.

15 U.S.C 1681n 15 U.S.C 1681q has been violated by the said CREDIT REPORTING AGENCY the credit reporting agency DID NOT DELETE THE NEGATIVE ACCOUNTS NOR THE UNAUTHORIZED HARD INQUIRIES
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XXXX, 2022 at least 3 weeks before payment in question was due, I called Discover to help me reduce or lump payment in with the next month due to a shortage of funds I was having. I had just been hired for new job and was told 4 weeks to start after being under-employed due to COVID. I had a family emergency so this is why I needed this and had a small amount of funds to get by. Was offered a program that " I understood '' as the payment would be put out but that my future payments would be 3x higher per month rather than my usual minimum payment per month. I would be subject to being reported if missed. I agreed because I was planning on paying off quickly any way. I wasn't comfortable with some of what was being explained to me by the representative " who was very optimistic and fast talking '' and asked for it in writing. Was told something would be sent in writing. Over the next weeks I started my job. The company took my auto pay off. I relied on this verbal agreement but later realized that I received nothing in writing to truly understand it. 30 days later, I get notified of a late payment on my report. I called the company. The first person said that she would listen to tape of agreement and said that it sounded like that late payment should be removed based on what I said and to call back in a week. I did so. At that later time, I was forwarded directly to a supervisor. She explained that despite the fact that I was told many things, they had to report me and would not be able to do anything about it because I was not " even '' eligible for the program offered. I explained that no one notified me of that and that I would have borrowed the money to pay the amount due as I had no blemished on my report. I was told that I agreed to the reporting as part of the program anyway. I asked, why would I do that if the reason for me calling almost a month in advance was so that I could make arrangements so that I would avoid being reported. Not only that, several employees gave me conflicting information and while the supervisor straightened it out to a degree, I am harmed irreparably. Something that would have been avoided. I was under a lot of stress and no one likes borrowing money from friends and family. I would have done so for this short period had I been clear. On several occasions, my account information has been wrong as well. Last month, I experienced another glitch. I payed my usual payment and an additional {$100.00}. Three days after, I received a notice of non-payment. I do have pictures of that on my phone. This is a situation that seems to be an easy fix based within the context, but I was mocked when I asked if that context could be considered. Why my 30 day late was reported should be considered and resolved by removing from my report under the agreement ( verbal ) that I relied upon.
Product: Credit card

The card is XXXX XXXX Synchrony Bank XXXX I disputed XXXX charges from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) I paid for services from this company and their physician that I NEVER received. I paid {$700.00} for integrative testing that was to include consultation and physicians interpretation. I completed the test but did not receive the consultation or interpretation. I had XXXX other disputes for {$250.00} that took MONTHS to resolve but eventually got resolved. The {$700.00} dispute is NOT resolved. I disputed this numerous times. I attempted to work with Synchrony and specifically tried to explain that the burden of proof is on the physician. The physician needed to prove that I received the services of consultation and interpretation of my test results that I paid for. Synchrony repeatedly closed the claim without providing this and stating that I did not provide supporting documents for my dispute. I provided the only supporting documents that I could provide since I did NOT receive the service at all. I provided the documents to synchrony numerous times and dispute dept would say they didnt have it. I then was given a fax number to provide the documents. I faxed the documents and have proof that the fax was received and synchrony closed the dispute again anyway. I requested that synchrony tell me what did they need from me. I never got a reply. I contacted Synchrony XXXX XXXX Relations and received letters but still no resolution. I was told by XXXX XXXX XXXX XXXX of Synchrony XXXX XXXX XXXX that she would get back to me and she did not. I called and left multiples messages but to no avail. Her number is XXXX x XXXX I also received a letter from XXXX XXXX XXXX Synchrony XXXX XXXX XXXX. I spoke to her once and she also said she would get back to me and she did not and did not return my calls. Her number is XXXX x XXXX. In addition to this the agents in this particular dispute dept are unprofessional and rude.To the best of my knowledge I have done everything that I can. I deserve this money back because I did NOT receive the services that I paid for but Synchrony is not properly disputing this claim and they dont respond to me they just keep closing the dispute. I am filing this praying that Synchrony will be held responsible for their actions and pray that this dispute get resolved. PLEASE take this seriously and hold Synchrony accountable and Please get back to me. ALSO want to note that I recently received notification that Synchrony REMOVED comments from my credit statement pertaining to my disputes. Now WHY would Synchrony do that? Its is suspicious to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report and  XXXX  was in it for a bad debt.  <P/>  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  The balance they said I owe is {$150.00}.  <P/> I do not have an acct with them. I suspect fraud.   They do n't have a phone number.  <P/> Please help me resolve this and get if off my credit report.
Product: Mortgage

I received my XXXX mortgage analysis on XX/XX/XXXX with a refund of {$1000.00} ; however, the new analysis has my mortgage increasing as of XX/XX/XXXX. I contacted AmeriSave on XX/XX/XXXX and was told the analysis was from last year 's payouts to my insurance company and county taxes. I explained they overestimated my taxes last year, which caused the refund. I requested a new analysis be completed and my mortgage be adjusted correctly ; I was informed I would have to wait 45 days from XX/XX/XXXX, due to federal laws. I explained if my monthly payment is based on last year 's number and I received a refund, then someone made an error, and I should not be waiting 45 days for the analysis to be done. I also explained the amount I pay does not have a refund with interest the company has made, so I don't feel I should be getting an increase when last year 's payment created a refund.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX, Acct # : XXXX In accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A, please provided the names and business addresses of each individual with whom you verified the above, so that Imay follow up.

Please forward me an updated credit report after you have completed your investigation and corrections.

Your Cooperation and prompt attention are greatly appreciated.
Product: Credit reporting

As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015 : This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. 

Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. 

XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. 
Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 




Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. 
Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX to the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
Product: Money transfer, virtual currency, or money service

I sent {$170.00} to purchase shoes from a seller, ( XXXX, cash app name XXXX XXXX, my cash app name is XXXX XXXXXXXX. ) through cash app on XX/XX/XXXX. Today is XX/XX/XXXX, I have not received my shoes. Ive reached out to this company XXXX  per their business email XXXX SEVERAL TIMES, With no response on exactly where my shoes are or a tracking number. Ive also tried to reach out to the company via their XXXX XXXX. I have purchased from this seller before without any problem. On XX/XX/XXXX, I filed for a refund through cash app. My request was denied from the seller, XXXX. Cash app needs to send my money back! I have been scammed.
Product: Credit card or prepaid card

On XX/XX/2018, I received a letter from US Bank stating they investigated a late payment they reported on my credit report, but in the report they made a false statement stating they had a phone call recording in which I admitted the error was my fault and that they called me. US Bank in no way ever contacted me directly. Every time I had contact with them it was me calling to figure out the issue. I want a full investigation into this and I want all phone calls I ever made to be released because I feel I am being harassed by this company when all I want is for them to remove an unfair late payment from my account that they caused by not sending me notice my account was ever late. 

Refer back to complaint XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised.

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

AVANTE USA ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX BALANCE OF {$130.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX CLOSED ON XXXX XXXX XXXX XXXX CONTROL ORIGINAL CREDITOR : XXXX XXXX XXXX CREDITOR CONTACT DETAILS XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX BALANCE OF {$110.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX BALANCE OF {$18000.00} To whom it may concern : I have been contacted by your company about a debt you allege I owe. 
I am instructing you not to contact me any further in connection with this debt. 
Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. 

Please reinvestigate this matter to have them [ delete or correct ] the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on [ identify disputed item, creditors name and whether it is a credit account, court judgment, etc. ] is [ inaccurate or incomplete ] I am requesting that the item be removed [ or corrected ] immediately. 
Enclosed will be a copy of my police report pertaining to the item supporting my position.
Product: Mortgage

On XXXX/XXXX/16 I made the last payment on a PNC home eqity line. It was due that day, and although the closing on my house was XXXX, I would have been delinquent if I did not pay by the XXXX. I assumed this would be returned to me on the XXXX at closing. 
PNC did not post my payment by the XXXX. 
My wife mistakenly made an additional automatic payment of {$2000.00} of on XXXX. 
I was told by XXXX XXXX that XXXX refund checks were sent to my home on XXXX and XXXX. They never showed up. I emailed, called him and went into the branch repeatedly about this. 
I was told by XXXX XXXX that no check had been sent, but the account close out would be processed on XXXX and after 10 business days they would send a check. I asked why 10 days. The answer was " PNC policy. '' A check did arrive and I deposited it on XXXX in my XXXX XXXX account. 
On XXXX the check was bounced. PNC stopped the check. I do n't know why. They apologize but they can not explain what happened. I 've spoken to XXXX XXXX and he said he would find out why it was stopped, and told me another check had been sent right after they first check had been stopped, which was before I deposited it. 
I have subsequently spoke with XXXX XXXX ( she seems to be an executive at PNC ) who called me on XXXX to apologize and said she would investigate. She promised a return call to follow up in a day or so. She has not called and has not returned my phone calls for the last two days. 
The replacement check has been " in the mail '' now for about three weeks. They own me {$5100.00}. There is no dispute about the amount or that it is owned to me. But PNC will not pay. 
In addition to a lot of time that I feel PNC should compensation me for about {$50.00} in {$49.00} in XXXX XXXX charges associated with an overdraft that PNC caused and a {$12.00} charge to me for the stop payment. In my profession I bill hourly and this is lost billed hours - probably four hours so far. That 's about {$2000.00} at my billing rate. 
Contact information for persons noted above : XXXX XXXX XXXX Financial Consultant PNC Bank XXXX P XXXX F XXXX C XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I. C. System, Inc. called a number, asked if I was XXXX XXXX. Asked if I receive mail at XXXX XXXX XXXX in XXXX CO, I said yes. I could be anyone. They read me a " mini-miranda '' and proceeded to reveal personal information about the debtor to the caller about my private and confidential business matter with XXXX. At no point during the call did I.C. System attempt to get me to identify myself with the last 4 of my social security number, my address etc. They only asked if I was " so-and-so '' and if my address was " so-and-so '' and proceeded to release my personal information to a random party. This is a vulgar violation of the FDCPA.
Product: Payday loan, title loan, or personal loan

The usury laws of my state Massachu setts ( Part IV/Title I/Chapter 271/Section 49 ) states that " whoever in exchange for either a loan of money or other property knowingly contracts for, charges, takes or receives, directly or indirectly, interest and expenses the aggregate of which exceeds an amount greater than twenty per centimeter per annum upon the sum loaned or the equivalent rate for a longer or shorter period, shall be guilty of criminal usury and shall be punished ... by such fine and imprisonment. '' The company is charging me more than 2 0 % interest. I even contacted the Attorney General regarding this issue right after I made the purchase.
Product: Credit card or prepaid card

TL : DR Chase provides preferential treatment to customers who communicate with Chase via telephone. 

I has recently contacted Chase regarding an issue on its website that made it difficult for me to write short messages to Chase regarding problems with my account and with the use of Chase 's service that the bank advertises and makes available to other customer.

As you can see from the attached response from Chase, one of its representatives informed me that Chase will not be able to address my issues unless I contact Chase via the use of a telephone service. Chase had never described to me what specific information it needs from me that I can only provide to its representatives via telephone. The only explanation that Chase had was that its employees who support information technology services are not able to communicate in writing nor via electronic messaging systems nor via United States Postal Service.
Product: Bank account or service

XXXX XXXX has received collections letter for reimbursement of breach check from Citibank. However, I have not received a check from Citibank in the amount of {$66000.00} as of XXXX XXXX, 2016. It has exceeded a reasonable time-frame.
Product: Mortgage

I obtained this loan in 2000. The interest rate was to be a fixed, stated a fixed but jumped. Also, fees were included XXXX. The company after the condo was sold, started calling and making threats. I would like all my money back, every penny. I have many complaints to file because believe it or not they are somewhat related.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to a CSR around XX/XX/XXXX about spreading my payment out over a year because I needed to do major repair on my car and the rep and I kinda went back and forth about how to handle making the payment I wanted to be sure that I won't be reported late and she did let me know it wasnt in the contract to do that what she could do is allow me to spread the payment but what she didnt warn me of that my payment would be reported late every month until I paid all the money I owed, so 4 months later and I'm still being reported late. I made the last payment on XX/XX/XXXX that made me current on all payments and then on XX/XX/XXXX I received a notice from  XXXX saying I was 30 days late again I really need this to be resolved I'm also in the process of buying a home so your help is greatly needed and I have proof of all payments and, I also need to make it clear that up until this time I've never missed a payment and if I had known that it would be reported late I would have agreed to this atrocity.