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

On XX/XX/2020 I applied for a Lowes credit card online. Was instructed to take a video of myself for facial recognition purposes and to then take photo of the front and back of my Hawaii drivers license. All went well and was accepted until taking pic of the bar code on the back of my license. Website locked me out after x amount of tries. I was in dire need of washer/dryer, so I drove to nearest XXXX store with all the documentation I felt was sufficient, ( previous years tax returns and W-2, original SS card, latest check stub from employer and said Hawaii drivers license ). Spoke with store manager, who then put me in contact with their credit card people on site. They spent over 2 hours on the phone with several different reps of Synchrony Bank/Financial, ( Lowes credit card issuer ) and it was revealed only way to continue was to go through same process as I had previously done online, i.e. photo of barcode, video etc. XXXX employee took video ( accepted ), pic of front of drivers license ( accepted ), and pic of bar code on back of license ( not accepted as it again would not read ). After the allotted tries system once again locked us out. Was told nothing I could do but wait for letter from Synchrony. I paid for washer/dryer with my bank debit card and went home and waited for said letter, which arrived on XX/XX/XXXXand was dated XX/XX/XXXX. Called # from letter and was told I needed to go through the same process as before. Went online and was locked out. Called back and requested account manager who said she would unlock and to try again. Went through the process again with same results ( bar code would not accept ). Have requested Synchrony to please either give me another avenue to prove my identity or cancel application and remove hard inquiry they have put on my credit report. They stated they will do neither. I have previously received offers of credit from Synchrony in mail. I have had a mortgage for almost 14 years, several established utility accounts and have even been approved for a mortgage refinance within the past two weeks from XXXX XXXX ( which took less than an hour, compared to the six plus hours I've spent dealing with Synchrony on this issue ). I am presently awaiting denial letter from them. I really no longer need the Lowes card and only applied to take advantage of the 12 month financing for washer/dryer. I feel this practice is unfair as it affects my credit score, which is in the low 790 's and feel that I should be given another avenue of proving my identity. Person who helped for several hours at Lowes store said they have experienced this issue several times before. Any help you might provide will be appreciated, as I am willing to do whatever is necessary, but scanning of bar code on drivers license obviously will not work. XXXX
Product: Credit reporting or other personal consumer reports

I have these inquires on my credit that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX  Account XXXX XXXX, XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Payday loan

I have received several calls from XXXX XXXX XXXX stating that I owe for unpaid payday loans. They have accused me of check fraud and stated that they would be contacting the county office to file charges against me. I have told them that there were several internet payday loans taking out in my name and that I have been in the process of proving that it was not me. He stated that I was lying and that I stole money and closed my bank account so they could n't collect on it. I told him that the account was closed due to fraud, money being taken out, my personal information being compromised. I was talking loud because I was using the hands-free option in my vehicle. This processor called my job and left a voicemail stating that they would be calling me back and that next time I need to not be hysterical and that I would be served at my place of employment. He ended the call with " good luck catching the dogs. '' I have no idea what this meant, but I kept the recording and I want the harassment to stop. I 've had enough issues with my information being stolen and now I have to be threatened with legal action for something I have never done.
Product: Money transfer, virtual currency, or money service

Had a lady send me a contract for rental of a condo for this upcoming weekend. XXXX and requested paypal payment. I sent as she requested, signed rental contract and returned. Now I feel she is scamming me and i send thru paypal friends and family. I would like to dispute this for a refund. ive asked for refund and to cancel and they stop replying. The amount is XXXX paid out of my checking act. The dates of transactions Your recipient should have the money by XX/XX/2020. 
Paid with {$66.00} PayPal Cash balance {$1100.00} XXXX XXXX XXXX XXXX  XXXX Transaction ID XXXX Sent to XXXX XXXX XXXX Note XXXX Details Sent to XXXX XXXX {$1200.00} Fee {$4.00} Total {$1200.00}
Product: Mortgage

In XX/XX/XXXX Select Portfolio Servicing , Inc purchased my mortgage from XXXX / XXXX, originally written in XX/XX/XXXX. My mortgage was written with an option to eliminate PMI insurance with a 90 % LTV and certain other requirements. For over 2 years SPS has refused to honor my PMI rider, investigate my claim, failed to respond to QWR 's and insists they only accept an 80 % LTV based on a current appraisal. I 've not paid for their appraisal until they honor my contract as written. SPS is in possession of all supporting documents.
Product: Checking or savings account

13 month CD opened at Wells Fargo Branch, ( branch now closed ) -- > XX/XX/XXXX OPENING CERTIFICATE DEPOSIT {$29000.00} attempted to close the CD over the phone at the Maturity Date XX/XX/XXXX was told that changes cant be made until maturity. So no change to account. Was informed that I could call and make changes in the grace period to renew for another term or close the account. 

Called back during the grace period to renew the certificate at the 7 month 5.01 % APY rate. Was told that it is not in fact possible to make the transaction over the phone, and I would be required to arrive in person. I was traveling and unable to come in person to the branch. Upon my return home I visited the branch in-person during the grace period and was told that they couldn't meet and carry out my transaction because there was no " banker '' on staff. 

Then, was also informed that because I am outside the grace period I have a penalty for changes now. I was told on the phone in XXXX, that the grace period was 7 business days, and then they said it was 7 calendar days. Its also not clear when the 7 days counting begins? At the maturity of the original CD or from the renewed deposit date for the current account? 

A combination of unfair and deceptive practice by the Bank and its employees have resulted in a lost opportunity for free and fair choice in managing my accounts, while also incurring fees imposed by the Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XXXX XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called equifax and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT ACCURATE with my credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 Staes I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit card

I submitted a dispute to Synchrony Bank regarding an appliance purchase I made from XXXX XXXX. Synchrony asked me for no information and said they would be in contact to let me know where to send my documentation. Approximately one month later I received a letter stating they had contacted the retailer who had provided them with documentation that the charges were valid because the unit was in " perfect working condition '' based on an inaccurate assessment from an unqualified servicer. This servicer 's assessment was disputed and a second servicer was sent to my house who did identify and issue with the unit, this is on record with XXXX. However, the merchant stop responding to my requests on XXXX XXXX. I have since sent numerous requests to the merchant without a response. The merchant has also falsely reported all of this information to Synchrony Bank using the documentation from the first service provider as evidence. It has been determined by Synchrony Bank that I am responsible for this purchase based only upon the merchants limited documentation and Synchrony Bank did not reach out to me to let me know where to send my documentation which extends beyond what the merchant provided.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I never went to College and I am receiving letters and phone calls from the department of education for loan payments. I would like this account removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted of an inquiry on my credit report which I did not approve. 
I closed a new mortgage loan with DHI Mortgage on XX/XX/XXXX and there is NO reason why they would need to pull my credit again, much less without my permission. 

I spoke with someone at their Loan Servicing Center and was referred back to the corporate office. I have left messages but no call back. 



These lenders have accessed your credit file : XXXXDHI MORTGAGE LTD Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX  XXXX., XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email
Product: Debt collection

This company is violating my rights they have not provided validation information under 12 CFR 1006.34i ( b ) ( 5 ) yet they have placed a collection on my consumer report recently. 
I have reached out to this company directly to get more information. They are violating my rights and i'm entitled to XXXX dollars for every violation. They must remove this account now.
Product: Credit card or prepaid card

Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of letters to the Credit Reporting Agencies as well as the Actual Creditor.

I am fully aware of how reporting works and found proof of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

In addition to that, please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very serious that you please investigate and resolve as this is destructive to my character and is obstructing my ability to obtain financing.
Product: Credit card

Somebody made a chase account in my name for XXXX and used {$410.00} now it says Im in debt
Product: Credit card or prepaid card

XX/XX/2022 Self financial XXXX XXXX XXXX Dear Credit Reporting Department or Self Financial ) : Re : ( account number ending XXXX ) On XX/XX/XXXX, I paid my account balance off. That information was supposed to be supplied to bureaus on first week of XXXX. Last rep informed me it was sent on XXXX. 

Unfortunately, your ( product or service ) has not performed well ( or the service was inadequate ) because the bureaus have stated XXXX has not sent reports on time its been the XXXX of the following month ) .XXXX  stated it automatically updates and they can see that none of the reports have ever been on time. I am disappointed because Ive expressed my frustration over this since XXXX. This product doesnt help the consumer. My balance has been XXXX since XX/XX/XXXX and yet it still hasnt been updated with bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

" New Issue '' Obtain police report from XXXX police department ( XXXX XXXX XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding Wells Fargo to this complaint as you stated Wells Fargo hold responsibility for taking exempt funds. Wells Fargo can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.
Product: Credit reporting or other personal consumer reports

This is now my third formal dispute regarding the fraudulent and inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my TransUnion credit report, and I am beyond outraged. I have had enough of TransUnions blatant negligence, willful misconduct, and outright refusal to fix this clear-cut error. Despite multiple disputes and more than enough time to correct them, TransUnion continues to knowingly misreport my payment history, while my payment status correctly shows " Paid or paying as agreed. '' TransUnion is intentionally fabricating a false late payment history, even though XXXX and XXXX show no such thing. This is not an oversight or a clerical mistakethis is willful, deliberate misconduct. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet TransUnion continues to brazenly ignore federal law and knowingly publish false, damaging information on my credit report. This is a direct violation of 15 USC 1681e ( b ), which mandates TransUnion to use reasonable procedures to ensure maximum possible accuracya standard it has repeatedly and knowingly failed to meet. TransUnions refusal to conduct a lawful reinvestigation, as explicitly required under 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), further confirms its reckless disregard for my consumer rights. This is not just gross negligencethis is willful noncompliance, and I will no longer tolerate it. TransUnion is now in direct violation of multiple federal laws, including 15 USC 1666b ( a ), 15 USC 1681e ( b ), 15 USC 1681s-2 ( b ), 15 USC 1681i ( a ), 15 USC 1681n , 15 USC 1681o , and 12 USC 5531 . Under 15 USC 1681n, TransUnion is legally liable for statutory damages of up to {$1000.00} per violation, and given its repeated, ongoing violations, these penalties continue to accrue daily. Additionally, under 15 USC 1681o, TransUnion is responsible for actual damages, as its false reporting has directly caused financial harm, credit damage, and emotional distress. Its failure to comply with 12 USC 5531 further proves its deliberate refusal to uphold fair and legal credit dispute handling.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX share branch which is XXXX XXXX on XXXX XXXX XXXX. in XXXX XXXX, XXXX and made my loan pymt. The amount I paid was {$350.00} I forgot to add the {$.00} to my check. On XXXX XXXX, XXXX I received an email stating I was 30 day 's past due for {$.00}. XXXX  XXXX called me for 5 day 's about {$.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identify theft. I had filed a complaint to Experian on XX/XX/2021 through a certified mail with the tracking number, XXXX. Thirty days have passed already but I have not received any response from Experian. According to Federal Credit Law spelled out in the Fair Credit Reporting Act ( FCRA ), a Credit Bureau is required to respond to you and complete their investigation within thirty days. If they do not report within the timeframe, they must remove the negative listings disputed.
Product: Mortgage

We did a wire transfer to pay off our Mortgage with Nationstar Mortgage for XX/XX/XXXX they are charging us interest for the month of XXXX and it appears they took the PMI payment out of our escrow We contacted them and asked why this was not processed on the XXXX and we were told it would be done on the XXXX and release the lien and keep our interest. once they were further questioned we were put on hold and they did not return
Product: Checking or savings account

I recently filed a fraud claim against Navy Federal because someone had masked their number and called me claiming there was fraud on my account, gained access to my account and was able to take {$2700.00} from my account ( which was everything that I had in my account ). I filed a report through local XXXX XXXX police, the FTC, the local FBI office, and obviously Navy Federal, themselves. They put a credit of the full amount back into my account while they did their investigation, but denied my claim and said that there was no fraudulent activity. This morning, {$2700.00} was taken out of my account, leaving me with a balance of - {$1300.00} with no way of appealing my case. I'm afraid there's no way of getting my hard-earned money back and as a XXXX old woman, it's hard to ask your parents for help, especially with a lump sum that high. I've taken every avenue possible to try and resolve this issue, whether it is getting my money back or just simply filing a report on Navy Federal for not taking care of their customers. I'm not sure if you're even able to help me, but I refuse to accept that this is how this situation is going to be handled and end this way.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$2300.00} ; U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$570.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$150.00} ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.