23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, I have checked the review of XXXX XXXX XXXX XXXX senior specialist of your company, Synchrony Bank , corporate consumer relations ( attn : IID XXXX ) addressed XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX regarding CFPB case XXXX and XXXX. She answered my complaint which had the scan image telling I still had the reward certificates in question, and I asked your company how your company could explain I would have used these certificates if I had them in my hands. As soon as I observe, your company shop, XXXX addressed XXXX XXXX, XXXXXXXX XXXX XXXX where I usually go, always take away these certificates from the customers ; therefore, the customers can not re-use after using them. So, if I still have these certificates at hands, I do not use them. I have checked my account on your XXXX website, I realized the certificates which she or another person, who called XXXX somebody, have gone. I should have had at least two certificates, but they were gone from the website. Maybe, it might indicate XXXX bill was printed out, they were printed out and, on the way, to be used by me. Or the hacker ( s ) might have hacked to your website and printed out my/customers reward certificates to use for his/her/their pleasure. I believe I can state so as one graduate student of XXXX XXXX, which have suffered several hacking incidents more than XXXX year. 
I have checked my account again and could not recognize your stated audio and video assistance at all. I request further explanation how to receive those new eServicing. I personally do not want to use apps for phone, since I had so many issues of hacking, phishing, and fraud activities from last year. 
As your employee recommended, I tried to change my password in my website account ; however, I could not find out the page to change the password ; therefore, I request to clarify and instruct me how to change password for my privacy and safety. 
I have not received any reward certificates to my personal email address, XXXX in these XXXX days : therefore, what your company employee, XXXX XXXX XXXX, a senior specialist of Synchrony Bank, had not actualized. And my reward certificates in my site account have disappeared, she might have made some crucial mistake to disappear my certificates and might claim I have used them. 
I will not call you since her statement on the review has several discrepancies. I just wait her next review to answer my questions. As I receive receipts at all transactions at shop and check whether these transactions are correctly listed on the site account, I do not need the lists of receipts on the review of CFPB. And I believe myself, since you are one employee of the bank, I do not think you have the authority to check all transactions of one customer of regular shop. Other words, why do you need to check all transactions of shopping, if you are bank employee. Therefore, I just express a question why you need to mention the compliances to the XXXX customer, even though I do not have any bank account with your bank, Synchrony Bank. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to a representative at equifax about getting some inquiries removed that I didnt authorize that I found on my credit report. They told me I would have to reach out to the companies to have them send a letter to request that they be removed. I had never talked to anyone at these companies so when I asked the rep if they could give me phone numbers to the places that made the inquiries they couldnt give me the numbers so I had to XXXX each number to make contact. When I spoke to each one they had no record of me even making the inquiry because I had not made them. I called the Bureau back and told them that they had. I record of the inquiries they still told me that they couldnt deleted them nor would they investigate the inquiries. Ive also sent them a letter asking that these unauthorized inquiries be investigated and deleted from my report a letter which they said they never received. 

1. XXXX XXXX  XXXX. 
Date of inquiry XX/XX/19 2. XXXX XXXX XXXX Date of inquiry XX/XX/19 3. XXXX XXXX XXXX Date of Inquiry XX/XX/19 4. XXXX XXXX XXXX Date of Inquiry XX/XX/19
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day, ark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are requires to " promptly delete all information which can not be verified " that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

This account was already disputed and suppressed for violations of FCRA. Now, XXXX months after suppressing, its reappearing and during my mortgage underwriting. 

This error is going to result in seeking damages caused and points to correct my rate being offered.
Product: Checking or savings account

Hi Bank of America is closing my account for no reason and they told Im unable to receive my funds. During the time my account was in process was being closed I was told by a BOA rep that I will be able to get my money from the branch. After I spoke to the rep I notice my account was getting charged by XXXX totally up to over 2,000 in fraud. The rep told me my account was froze but the person was still able to transfer money from my account using my account number. Its been over a month and have not received an affidavit for the fraudulent ach transfer and havent received the rest my money. Im a college student renting a room and now cant afford to pay my rent. Please help me resolve this. Thank you
Product: Student loan

In XX/XX/XXXX I applied for and received a private loan to pay for my XXXX XXXX XXXX XXXX XXXX XXXX  at XXXX University. I successfully graduated my XXXX program in XXXX, and incurred a loan debt of approximately {$60000.00} plus interest.
XXXX first approved my loan, but the debt was later sold to Discover Student Loans. Since receiving my loan in XXXX, I have consistently made my payments on time. I have been gainfully employed since graduating, and currently work for the XXXX XXXX in New York. Nonetheless, my salary is not very high and I have struggled to keep up with the high loan payments. Specifically, I have tried to negotiate my loan payments with Discover Student Loans, and tried to get them to decrease the monthly amount of {$7000.00}, and they have refused to do so. It has been extremely hard to communicate with Discover Student Loans because : 1. They do n't have an actual office in New York and all our communications have been through the phone ; 2. They have increased my loan payments in the past two years even though my salary has remained the same ; and I understand this is a private loan and the interest can go up, but I can not afford to pay $ XXXX monthly given that my salary has not increased. I would like to know if someone from your office and can help me and let me know if I have any options. I am a XXXX citizen, and have a social security number and a working visa, but because I am not a US citizen, many relief programs have been unable to help me. I have a good credit score and this is the only debt I have. I am committed to pay this debt, but need my payments to be more reasonable and proportional to the salary I make. I would appreciate if you could let me know what options I have. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX & XXXX XXXX ( Original Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account Creditor : XXXX XXXX XXXX  ( Original Creditor : XXXX IN ), Account : XXXX Reason : Delete this unverified and inaccurate account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report XXXXXXXXXXXX  XXXX {$800.00} XXXX  XXXX XXXX  XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$4000.00} XXXX  XXXX XXXX   XXXX {$1600.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$9800.00} XXXX XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX - BALANCE {$5800.00} Account Name : XXXX XXXX XXXXXXXXDATE OPENED XX/XX/XXXX - BALANCE {$0.00} Unauthorized inquiries XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX : On XX/XX/XXXX XXXX pulled my credit without my consent. 
On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent On XX/XX/XXXX XXXX XXXX  pulled my credit without my consent. 
on XXXX XXXX  XXXX XXXX XXXX XXXX pulled my credit without my consent. 
I filled multiple dispute with the bureau and the companies, but could not find a solution.
Product: Vehicle loan or lease

Dear concerned, This is regarding the notice of Repossession I received XX/XX/year>. It included the number I have to pay by XX/XX/year> ( {$5800.00} ) so I can have my vehicle released. And I talked on phone with Ally representative, and they confirmed the amount I have to pay. 

So I managed almost to provide {$5000.00} and called ALLY Financial on XX/XX/XXXX before two days of my deadline. I call the representative and he was like last number changed because we entered a new month and that wasn't explained previously to me, so they ended up having a new number for me which is {$7200.00}. 

How am I supposed to provide that without me having the vehicle and work XXXX on It or make a living? and my Credit Score went down and no bank or institue was willing to lend me {$5000.00}.

I rely on my vehicle for work. I tried offering the {$5000.00} to have It released but he never accepted. 

I don't want the car to be Sold by bank and i have to go through Bankruptcy or so. 
now I have a stable Job luckily for 4 months and I confirmed that with ALLY. I told them give me another chance but never worked.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian
Product: Money transfer, virtual currency, or money service

I wired money from my Bank of America account to a fraudulent account at XXXX XXXX in the amount of {$300000.00} on XX/XX/21 from a branch. I was in the process of purchasing a property and received a fraudulent email requesting the funds for closing to be wired to this account at XXXX XXXX. I was told that the account had already been flagged and frozen at XXXX XXXX for fraudulent activity, but only received {$150000.00} back into my account at Bank of America. Neither bank will give me an answer as to where the remainder of the funds are.
Product: Student loan

I have multiple ParentPlus Loans on behalf of my XXXX children. XXXX are still in XXXX  and loans for them should be deferred. I should only be paying on loans for my oldest son, XXXX XXXX. I have contacted Mohela multiple times to try and resolve this issue, both on the phone and via email. They are charging me incorrectly for loans not currently in repayment and reporting me past due. They have told me that they are investigating my account and payments are paused. They have not contacted me about this investigation and they have not fixed the issue. I was told my monthly payment amount should be {$880.00} per month, for which I have Autopay set up. They paused collection of my payments, but have not resolved the issue and continue to report me past due. The information I see for my account makes no sense, and is impossible to navigate online. I have asked for a written explanation, since I have gotten inconsistent responses from their representatives on the phone, but they have refused. They refused to provide me with a schedule of payments and a breakdown of what amount is paid to the principal and what amount to interest, and they have refused. I need my account fixed and updated correctly.
Product: Credit card or prepaid card

XXXX says that they have refunded {$540.00} for the product that got stolen or missing, but Credit card service provider Apple Credit Card, Goldman Sach says that they have never received payment from XXXX and keep telling me that I should work with them and I '' m stuck in the in between these two companies zero some game. XXXX promised me to give me a call back within 48 hours and it has been 3 days and still not even single call so far. Please have a look at the attached screenshot
Product: Credit card or prepaid card

I had a discover credit card and the company closed my account because I payment got returned due to NSF.. But what is mind blowing during the time the payment was made no payment was due and my account should have had a full positive balance. I disputed some transactions that were fraud and the claim was closed and all the monies was credit back to the account .... Discover should have never closed my account. I want either my XXXX security deposit returned to me immediately or a just like the letter the company sent saying that they have established a new account for me, but when I call they something different .... I would like for the account to be reinstated and a new card sent out to me immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX, is fact in violation of 15 usc 1692b ( 5 ), 15 usc 1692b ( 2 ), 15 usc 1692d ( 1 ), and 15 usc 1681. 
On XX/XX/2021 I received a notice for an alleged debt in the amount of {$550.00} in which I hold no obligation to as I am the original creditor, natural person, lender, executer, consumer in fact, holder in due corse for any and all derivates thereof.

Information was requested from my consumer reports on XX/XX/2021 and XXXX XXXX without my knowledge or consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the company that is not reporting accurate information to the credit Bureaus and when I call the credit Bureaus and submmitted ah complaint or dispute they said they are reporting what the merchant is telling them to report. So, pretty much I have been almost two months back and forward between both parties without any results. My account is in good standing and open since XX/XX/2020 and right now is not showing that way in neither credit bureaus. Please help XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> CKS Prime Investments LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as formal notice under the **Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) **, to **CEASE AND DESIST** all communication with me regarding the referenced account, effective immediately. 

**1. Demand to Cease Contact : ** You are hereby directed to **stop all communication** with me, my family, employer, or any third party in connection with this debt, except as permitted by law ( e.g., confirming cessation of efforts or notifying legal action ).

**2. Legal Basis : ** - **FDCPA 805 ( c ) ** : Prohibits further contact after a written cease and desist request. 
- **State Laws** : [ Optional : Reference Ohios Consumer Sales Practices Act ( OCSPA ) 1345.01 if applicable. ] **3. Consequences of Non-Compliance : ** If you continue unlawful communication : - I will pursue **statutory damages up to {$1000.00} per FDCPA violation** ( 15 U.S.C. 1692k ).

- **TCPA violations** ( e.g., unwanted calls/texts ) may result in **up to {$1500.00} per violation**.

**4. Required Actions : ** - Confirm in writing within **10 days** that all collection efforts have ceased.

- **Cease credit bureau reporting** unless legally required.

**5. Dispute of Debt Validity : ** This notice is not an admission of liability. I reserve all rights to dispute the debts validity under FDCPA 809.

**Enclosed** : [ Optional : Include a copy of their initial collection notice if available. ] Send all legally required correspondence to my address above. Failure to comply will result in complaints to the **Consumer Financial Protection Bureau ( CFPB ) **, **Federal Trade Commission ( FTC ) **, and the **Ohio Attorney General** . 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

I was making monthly payments on my mortgage to Ocwen. I do not believe the payments are applied correctly to my mortgage account. I do have cashier check receipts issued by XXXX to prove my payments were made. Home Retention dept shows a portion of my payments were applied to a suspense account. However, my mortgage statement does not show evidence of this. 
Meanwhile, I had a health issue which caused medical expenses. I had a XXXX. This caused me to get behind on XXXX payments. I experienced problems getting Ocwen representative and XXXX on the phone to discuss my situation. On XX/XX/2016, I went to XXXX and faxed a letter to XXXX Fax number XXXX per XXXX ( letting them know my payments had not been applied correctly. And asking for assistance to correct my account and save my home. I received a fax confirmation that the fax went through ok. To date, the XXXX has not replied.
Product: Credit reporting or other personal consumer reports

As I am reviewing my credit profile, I see a lot of XXXX XXXX to my credit profile that I do not understand. First, I was born in the state of New York. I've NEVER resided in any other state besides New York.The trail of improper addresses started from XXXX, New York and worked it's way all the way to the state of North Carolina. This is a blatant sign of " IDENTITY THEFT ''!! 

The proper address that's suppose to be on my credit report is " XXXX XXXX XXXX XXXXXXXX, New York XXXX '' that address has NEVER been reported to my credit report and I am trying to figure out why? I see addresses reporting to my profile that is absolutely incorrect, I have listed them below so you guys can review them and delete them immediately because not only do I have incorrect addresses but, I also have unauthorized accounts and/or inquiries that I did not make and I know that the first step to resolving this is contacting you guys after doing my due diligence. I would greatly appreciate it if you guys can remove these addresses immediately! It is affecting me in ways that I can't even explain. For someone to do this to my credit report is absolutely absurd and for I to not have knowledge of this is very embarrassing! I will be making a seperate complaint about the unauthorized accounts as well, I wanted to make this a seperate claim. Thank you! 

Incorrect/UnAuthorized Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Purchase XXXX XXXX using PayPal. Lens was described as fully functional. After testing the lens I determined it was not, I sent the lens to the manufacturer for evaluation. The manufacturer determined the lens had a defective image stabilizer. The merchant refused to accept a return or compensate for repair. Paypal has 180 day buyer protection. Opened case XXXX. Paypal policy states they protect buyer if item is " Significantly Not as Described claims : The condition of the item was misrepresented. '' The item stated All functions work. The provided evaluation from the manufacturer stated that was not true. Paypal denies the claim anyway. Paypal terms state you may appeal the claim within 10days on their web site - accept where there is suppose to be a button to file an appeal - there IS NO APPEAL BUTTON. Multiple Requests to appeal through secure messaging were ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

sending me bogus letters about a debt that I do not owe XXXX XXXX XXXX XXXX american experess XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three credit cards with Capital One going back to XX/XX/XXXX in various credit limits : {$300.00} business Visa, {$1200.00} Visa and {$2200.00} Mastercard. In XX/XX/XXXX, I was notified about an alleged security issue and all card numbers would be changed and new cards issued. I never got replacement cards or statements-only call that indicated that between XX/XX/XXXX and XX/XX/XXXX the balances in all three skyrocketed over the credit limits. Before that, I could not charge even {$1.00} over the limit. I started making civilized phone calls about the lack of explanation, continued to pay on what the previous balance was until XX/XX/XXXX when I had to stop. The accounts were not closed and I could not get cards until the alleged debts were paid. I finally got the accounts closed by a foreigner. The accounts showed balances over {$4000.00}. They were ultimately charged off. Then in XX/XX/XXXX, I got a welcome notice from VISA about my new {$3000.00} credit limit account-accompanied by no card and balance already over {$2000.00}. I reported this to the newly formed CFPB. Executive Response employee XXXX XXXX informed CFPB that she had indeed opened a new account with high credit limit to improve my credit score. I never heard back from CFPB about the legitimacy of a company opening unauthorized credit cards with no card and strong arming for illegitimate debt. However, in the meantime XXXX XXXX was hauled before Congress for doing the same thing-opening fake accounts. I just have tried to refinance my home mortgage at 8.3 % since XX/XX/XXXX-only to find the fake Capital One charge off back on my credit report. The statue of limitations in Louisiana for collecting is three years. XXXX is defending it allowing this on my report 5 years later and explains, after over three hours on the phone, transferred to 7 people in three countries,  that this WILL remain on my credit report 10 years. Completely talking over me, the investigative branch in XXXX for XXXX puts me on music after the three hours of abuse. My second attempt at refinance this year was denied because of this. Just taken off XXXX was a phony second mortgage from XXXX ( XXXX ) that doesnt exist anymore but was showing as current-for the same {$140000.00} home totaling over {$260000.00} mortgage payments. That huge debt for someone with my limited income tanked the first refinance. The double mortgages still appear on XXXX  ; the Capital One alleged debt appears on XXXX again along with a debt collector XXXX XXXX with fake address and phone number ). Capital One did not provide a phone number and gave a XXXX XXXX XXXX address for this XXXX VA account.