23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am filing a complaint regarding my XXXX credit card account, which is managed by Synchrony Bank. In XXXX, I enrolled in a 24-month promotional financing plan for a {$6600.00} air conditioner purchase. I consistently made regular payments, and by XX/XX/XXXX, I had only {$880.00} remaining. 

I was not clearly or adequately warned that failure to pay the remaining balance in full by the promotional deadline would trigger nearly {$3000.00} in retroactive interest charges. This was followed by ongoing monthly interest of {$30.00} {$70.00}. I received no prominent alerts, reminders, or urgent notices in the months leading up to the deadline. 

This is not simply a consumer oversight it reflects a systematic failure in transparency. Retroactive interest of this scale, imposed over a relatively small balance, is disproportionate, unfair, and exploitative. The practice appears to be designed in such a way that many consumers may fall into this trap, especially if disclosures are not clearly presented or effectively communicated.

I am requesting not only remediation of the charges, but also a regulatory review of Synchrony Banks promotional financing policies and disclosure practices. This situation has already cost me nearly {$4000.00} in unexpected interest a financial burden I would not have incurred with proper notice. 

Please help ensure fair treatment and clearer protections for consumers who participate in promotional financing programs.
Product: Student loan

I co-signed my daughters loan for $ XXXX I have paid $ XXXX on the principal and another $ XXXX in interest. I called for a payoff amount and I was told I have a principal balance of $ XXXX. If I have paid $ XXXX in Principal then my payoff should be interest accumulated to date and the basic principal balance. why would I owe and addtional $ XXXX on a $ XXXX loan that I have already paid between principal and interest {$13.00}. I should owe the difference between $ XXXX and $ XXXX plus interest which would be around $ XXXX
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 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 resolution requirements under the electronic fraud Transfer Act ( EFTA ) and regulations E. These Actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

XXXX, I sent a formal debt validation request to Professional Debt Mediation under the Fair Debt Collection Practices Act ( FDCPA ). The debt, reported on my credit profile with a balance of {$2100.00}, is listed as " In Collections/Charge-off. '' I specifically requested : Proof of legal ownership of the debt, including documentation of transfer from the original creditor. 


A detailed, itemized breakdown of the balance, including fees, interest, and charges. 


A signed agreement verifying my obligation to repay the debt. 


As of today, I have not received any of the requested documentation. 

Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. Additionally, the debt is inaccurately reported under both my name and my spouses name, which raises concerns about misreporting and errors. Their failure to provide the required information and potential inaccuracies in reporting violate the FDCPA and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$640.00} ; XXXX XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; XXXX  XXXX Balance Owed : {$3500.00} ; XXXX XXXX Balance Owed : {$680.00} ; XXXX XXXX XXXX Balance Owed : {$570.00} ; XXXX XXXX XXXX Balance Owed : {$200.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX.
Product: Mortgage

XX/XX/XXXX US Bank NA, as Trustee for Banc of America FC sent notice of their intent to foreclose. I answered and asked for a loan modification with no balloon payment. 

XXXX US Bank NA continued to deny our ongoing requests for loan modification while their attorneys filed & served us with foreclosure paperwork. They even invited us to their loan modification events where we and other families attended. 

XX/XX/XXXX US Bank NA won their judgment of foreclosure & sale XX/XX/XXXX We filed XXXX XXXX to get the house off of the auction block. 

XX/XX/XXXX US Bank NA approved the loan modification that we had been asking for all during the previous 4 years. There were absolutely no changes in our financial situation from XXXX and absolutely no changes in our application answers. They gave us the loan modification only after we filed for bankruptcy. They added all their attorneys ' fees from the foreclosure proceeding to our mortgage principal and added a balloon payment too. 

Attached is My verified answer to Foreclosure Complaint, Judgment of Foreclosure & Sale, Notice of Bankruptcy, Loan Modification Agreement, Notice of Motion to Vacate Foreclosure Judgment
Product: Debt collection

In the last 60 days I began to receive calls from this number, XXXX. I did not answer. They kept repeatedly calling. I answered the call and they told me they were with Bryant Hodge and Associates and they were trying to collect a bill. I informed them I did not know what they were talking about and to only correspond with me via certified mail. They kept talking and I hung up. They called me Saturday before last three times within 10 minutes. Each time I told them to stop calling, remove me from their list and to only communicate via Certified mail. They called again today and acknowledged that I had asked them repeatedly not to call and yet they were calling. I told them I was contacting the CFPB today and hung up.
Product: Credit reporting

Today I received an alert that XXXX had performed a credit inquiry on me. I did not authorize this, nor did I give them any info. Transunion should have blocked this as I have a credit lock that I am paying for monthly and there is a note on my account as there has been fraud before. Transunion did not live up to the obligation to protect my identity that they are charging me monthly for. This has negatively impacted my report and I am trying to secure a mortgage so I know I did not ask for this international online home furnishings credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX are reporting an account that went to collections as paid off in XX/XX/XXXX but was actually paid off in XXXX. 

This Collection recording has dropped my credit score again as of XXXX for an account that has been paid off since XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, Im not sure who is using my information but this is just continuing to happen to me. I reside in XXXX California for majority of my life. Somehow someone has an eviction in my name in Alabama. I have no connection with any account listed. 


I filed out a police report, and an identity theft report. I filed court paperwork as well please help me I have no knowledge of any of these accounts
Product: Credit card or prepaid card

Hello, I already submit a case about how the BOA agent rude to the international student, and made her credit card unpaid after helped she close the checking account. after the first compliant, the BOA connected me and provided an solution that I could add my friend at the authority users list. according to the policy of Boa, the authority users have rights to withdraw and pay my credit card. however, we meet new problems now. when my friend tired to go to the local bank, they said she have to call the credit card department to pay. when she called the credit card, they said that she could not pay, because this card is mine. but when I called the bank, the agent told me that they promise my friend could could them, and they will help she to do the payment. so we got different answers from the same company.I tried to pay my bills, and fixed the problem that BOA agent did. However, it is so hard to get a correct way. my credit card is due on XX/XX/XXXX. after this time, I have to pay more late fee.what can I do now? hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from JPMCB CARD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called JPMCB CARD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and JPMCB CARD with no successful resolution. XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit reporting or other personal consumer reports

Dear Experian Dispute Department I am writing to formally dispute inaccurate information present on my credit report. Despite previous attempts to rectify these errors through your standard dispute process, the inaccuracies persist, adversely affecting my creditworthiness. 

I wish to bring to your attention the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/year>. The CFPB alleges that Experian has been conducting inadequate investigations into consumer disputes, failing to remove or correct inaccurate information, and improperly reinserting previously deleted errors into consumer credit reports. 

Specifically, the CFPBs lawsuit highlights that Experian : Conducted superficial investigations that did not adequately address consumer disputes. 
Failed to delete inaccurate, incomplete, or unverified information from consumer credit files. 
Reinserted previously deleted inaccurate information without proper notification to consumers. 
Did not follow reasonable procedures to ensure maximum possible accuracy of the information reported. 

These practices are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies conduct thorough investigations and maintain accurate information. 

In light of these allegations and the ongoing issues with my credit report, I request that Experian : 1. Conduct a comprehensive reinvestigation of the disputed items listed below, ensuring that all relevant information is considered and that the investigation adheres to FCRA requirements. 
XXXX. Provide a detailed outcome of the reinvestigation, including any changes made to my credit report and the rationale behind those decisions. 
XXXX. Prevent the reinsertion of any previously deleted inaccurate information unless it can be verified as accurate and complete, with proper notification to me as required by the FCRA. 

The specific items I am disputing are : I have enclosed copies of relevant documents supporting my position. Please reinvestigate these matters and correct the inaccuracies promptly. 

Given the CFPBs recent legal action and the serious nature of these allegations, I trust that Experian will handle this dispute with the utmost diligence and in full compliance with federal regulations. 

Please confirm receipt of this dispute letter and inform me of the steps being taken to address these issues. I expect a response within 30 days, as stipulated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XXXX XXXX under account number of XXXX and an credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX under account number XXXX an a credit card account opened on XXXX XXXX under account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX  ) credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX Delete this account. 
there is some inaccurate information reporting. 
XXXX XXXX XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I never received a letter to dispute. I never lived at the address attached to my name. I mailed a certified letter to National Credit Systems for validation, and never received it. My request was mailed certified XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent.However, any modes of response or coordination were not taken on their end. They havenotcomplied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the timeallowedby law and continued reporting as unverified information which now, given all myattemptsto address it directly with the creditor, as willful negligence and non-compliancewithfederal statutes. Below are the lists of the erroneous accounts reporting on myCreditReport : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy ''. XXXX, Equifax, and XXXX are reporting agencies, and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( FURNISHER OF INFORMATION TO CREDIT AGENCIES ) is a financial institution by definition under that title 15 USC 1681 section 604 a section 2 states that " In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies Equifax, XXXX, XXXX. Do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to nonaffiliated third party unless -- -- the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681 ( a ) ( 5 ) states " Except as authorized under subsection ( b ) 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 conviction of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is the law. 15 U.S.C 1681 s -- - ( A ) ( 1 ) A states '' A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or as reasonable cause to believe that the information is inaccurate. 15 USC 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 b of this title. '' Equifax, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services. ''
Product: Credit card

As part of the new XXXX relationship with Citi, my XXXX account was cancelled and a new account was opened at Citi on XXXX XXXX. I was charged interest by Citi almost immediately after the new account was opened because the due date from my XXXX account was on the XXXX and when I noticed XXXX had transferred the account balance to Citi ( but not my Autopay instructions ) I paid Citi for the amount due from my previous XXXX statement, but on XXXX XXXX, incurring interest charges of {$5.00}. Although not a large amount, the account transfer, Citi did not connect this newly transferred XXXX related account to my existing online account information with Citi, so there was no way of knowing what was owed, to who and by when from Citi. I emailed them about the situation and they refused to removed the charges. The consumer seems to be at the mercy of a sloppy account transition between XXXX card providers.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX XXXX XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Dear LVNV Funding LLC, I am writing to dispute the recent collection activity on my account, referenced by XXXX. I am deeply concerned about the legality of this collection, and I request your immediate attention to this matter. 

Upon reviewing my records, I have not been provided with proper validation of the debt in question, as required by the Fair Debt Collection Practices Act ( FDCPA ). I am entitled to receive verification of the debt, including the original creditor 's name, the amount owed, and the details of any transactions related to this debt. 

Additionally, I have not received any communication from your agency prior to this collection attempt. According to the FDCPA, debtors have the right to be informed about the debt and given an opportunity to dispute it before any collection activity begins. This lack of communication raises serious concerns about the legality of your collection efforts. 

I request that you cease all collection activities on this alleged debt until the necessary documentation and validation are provided to me. Failure to comply with this request will result in my filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing any available legal remedies. 

Please respond in writing within [ XXXX XXXX from the date of this letter ] to address my concerns and provide the requested information. Your prompt attention to this matter is appreciated. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I attempted for two hours to unfreeze my credit with Transunion and to see my credit score.

After two hours on their website I was able to finally get my credit unfroze but unable to see my credit score.

Their website & search icons are built to take you to pages that again & again attempt to coerce you into buying a subscription service in order to complete your business with them. These sites also are very sneaky into trying to get a lesser aware consumer into actually paying for something they are supposed to get for free. 
All three : XXXX, Transunion XXXX XXXX gave me GREAT difficulty in getting both my credit score and allowing me to unfreeze my credit for a purchase even though I had an account already set up with all them!

This is wrong, it is purposeful manipulation to sell you a product you do not need!
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have recently become a XX/XX/XXXX that has compromised my personal information. This incident has caused me significant concern regarding the security of my sensitive data. Data breach has led to fraudulent accounts and debts being created in my name. I would appreciate it if you could consider this situation while reviewing my credit report and take the appropriate actions to correct any inaccuracies or fraudulent activities.