23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I XXXX XXXX have had a loan from contental credit for 2 years in order to build my credit score which has proven in its self a challenge. XX/XX/2021 I was told that if I paid on time that on XX/XX/2021 I would be allowed to take the maximum loan I could by re-newing my loan which was XXXX XXXX I was told this twice on XX/XX/2021 and later in the month when I called to confirm the loan was XXXX $ the woman who answered called back to XXXX the higher up loan officer who with her own words claimed yes his loan amount for renewal was XXXX. On XX/XX/2021 I called and spoke to XXXX who replied no I can not approve this loan ( REASONS ) her first remark was I don't want my BOSS to see that I raised you up 5 tiers. Now I don't know what a tier is or why it would matter I want to know why I was scammed and lied to even though I do always pay my payments on time minse the one time I was crippled and could not leave my bed and had also lost my debit card. But I paid the loan in person while in searing pain I brought them the money I owed and I was scammed and lied to!!!! Why? 
( SECOND REASON ) your XXXX and I can not loan you over a certain amount. Talk about blatantly discriminating your are XXXX so your capped at this level. That was a cruel and no dought about it illegal way to say you XXXX are a poor person and we will not give you this money. But in america the down trodden stay down trodden and companies such as this see to it .... I do not care who this offends It wrong that a company will lie to a customer that is a good customer and dose their part of the contract made. Why then am I left empty handed and have to defend myself when I'm innocent but was wronged ... this happens all to often to people In my situation we are stepped on and treated like less than. It is not right.
Product: Credit card or prepaid card

I recently refinanced our mortgage, which was utilized to pay off outstanding credit debt. XXXX XXXX sent a check to Synchrony Bank ( Care Credit ) in the amount of {$1100.00} on XX/XX/2022 to pay off the balance for our Care Credit account. Synchrony Bank has consistently insisted that they never received a payment, despite being given both a copy of the cancelled check as well as a copy of the bank statement from XXXX XXXX 's bank account showing that the check in that amount had been cashed. We opened a dispute three separate times ( most recently in XX/XX/2022 ) to have the payment reflected and Synchrony continues to indicate it's not been paid. I've continued to pay the minimum payment to avoid having the account go into collections and report to my credit report ( over {$200.00} extra at this point ). Synchrony refuses to credit the payment to our account, so we're essentially double paying at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX NR/XXXX XXXX Date Opened XXXX XX/XX/15 Balance : {$23000.00},
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( XXXX ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.
Product: Debt collection

Recently I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Responsibility Individual Account Account Type open Loan Type XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select Portfolio Servicing bought our mortgage loan while we were in bankruptcy when the bankruptcy stop taking payments because it was time to be discharged we contacted SPS to make our mortgage payment, we were told that we did not have a payment due and they could not accept payments until they received discharge papers we informed them that out bankruptcy lawyer told us to contact them to start payments they 've outdoor not take a payment so we asked for proof that nothing was owed so they began sending statements stating this is not an attempt to collect a debt with no amount being owed and told us to use that for our records we called twice monthly from XX/XX/XXXX to XX/XX/XXXX still given the same answer and XX/XX/XXXX we received a call and a statement from SPS stating we were 5 months behind and would go into foreclosure unless it was paid or they could help us do a modification. We told them we would find someone to refinance and a few days later itvwas added to our credit report hindering us from a refinance. We contacted them on several occassions with complaints and was told that we could have contacted them and made payments but they could not contact us we informed them that we did contact them on several occasions to make a payment and was denied. We asked if the negative items could be removed from our credit report because it was false and we have been told that there would be an investigation but nothing has changed and we keep getting the run around. There practice is unjust and unfair. They have XXXX complaints.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection ACT ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platforms, 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 Refund Transfer Act ( ERTA ) and Regulation E. These actions has caused significant and inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX SUITE XXXX XXXX, TX XXXX ( XXXX ) XXXX has placed a fraudulent account on my credit reports.
Product: Checking or savings account

I have a CD with Synchrony Bank. Today I called to cancel it. 
When I asked about the penalty, I was told it is 6 months. I asked where was that in the details of the loan since it does not show anywhere in the loan online or during the application process. I learned it is hidden deep in their website. It is clear they do not want consumers to see the details. You have to go to another site and download a PDF and go through the whole document to try to find it. 
Are there regulations around this? Can they make it so difficult to see the terms? It seems unfair. I talked to an agent. Was told I can file a complain. I was put on hold for 10 minutes and never heard back from anyone. The Chat feature is unavailable due to high traffic. There is no email to submit a complain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 an account without my written instructions
Product: Credit reporting

Complaint is with Experian. 
Their response to my first complaint was : items XXXX & XXXX are not on report. 
What kind of answer is that??? 
The report under my name " WITH THEM '' is showing negative items :1 XXXX XXXX {$250.00} ) XXXX {$660.00}. Both items already removed from XXXX and XXXX because it was proven to be incorrect and removed. 
3 ) XXXX XXXX ( judgement ), that had to do with a litigation that I won against them in XXXX XXXX, California. " So, WHY '' is it still on their report??? 
4 ) XXXX XXXX5 ) XXXX XXXX6 ) XXXX, Also " ALL XXXX REMOVED '' from XXXX and XXXX because of proven " Not Appropriate ". 
So why have n't THEY removed them yet??? 
A response to this claim needs to be Proffessional and ethical!!! 
If they say " items x x not on report '' then they should prove it!!! 
Show me " MY REPORT '' where these items suposedly not on report. Because that 's not what I 'm reading from my report!!! 
These XXXX items SHOULD NOT BE on my report.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRES : XXXX XXXX  XXXX XX/XX/XXXX EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to formally file a complaint against Capital One Bank regarding an issue I have encountered with my direct deposit. Despite the funds being successfully deposited into my account, Capital One has not released the money for access or withdrawal, causing me undue financial hardship and inconvenience. 

On XX/XX/year>2025, my direct deposit payment from [ name of employer or other entity ] was made to my Capital One account. However, as of today, XX/XX/scrub> 2025, the funds have not been made available, and I have been unable to access my money. I have contacted Capital One multiple times, but they have been unable to provide a satisfactory explanation or resolution to this issue.

This delay has prevented me from meeting my financial obligations, such as paying bills, making essential purchases, and covering other necessary expenses. I have tried to resolve the issue directly with Capital One, but their response has been insufficient.
Product: Credit card or prepaid card

Dear American Express : I am writing with an issue with regard to your Delta credit card offer. I applied for the card yesterday in response to an offer at the Delta ticket purchase stage. With the ticket selected and on hold, I filled in the application for the sole purpose of being able to use the card for the ticket purchase. The offer states Id get a temporary American Express number for use of up to {$1000.00} for Delta tickets. I was approved. 

The only basis for my decision to apply for your card during ticketing was that I promised {$200.00} in statement credit for a purchase within 3 months on my new card. 

After I was approved, a screen appeared requiring me to confirm my cellphone number to proceed but provided no option to do so. There were only xxxs in place of my cellphone, with no ability to replace them with my number. I called Amex and spoke to 3 agents, including a supervisor. I was told thats just a technical glitch ; youll get your card within 3-5 days after mailing. The agent confirmed that Amex had my correct cellphone. They told me that there was no way to provide the temporary card numbers. I therefore did not buy the ticket. To be clear : the inducement to obtain your card was the ability to use it during the ticket transaction, NOT for use weeks later. It was a classic bait-and-switch. 

To add to the problem, today I received an email asking me to confirm my cellphone with several correct digits ( showing again that you indeed have the correct number ) and the others replaced by XXs. Yet again, the link didnt work because it merely took me to an account creation page. I can not create an account because I do not have the card numbers. 

The current situation is that I can not buy Delta tickets. I can not get the promised {$200.00} credit. My credit rating took a hit because of your credit check. And I still can not use the card. 

The agents appeared familiar with this problem. Was it a glitch or a calculated way to trap consumers into obtaining a card and not providing the statement credit? If it happened to me, it happened to countless others who accepted your offer during the ticketing transaction but were then denied the promised benefit. I am copying the Consumer Financial Protection Bureau complaints as well. 

I am copying Delta as well. At best, this is not a way to start off a relationship with a card holder or a frequent flier. At worst, its fraud in the inducement. 

I have screen shots from the aborted transaction showing that there was no way to accomplish the cellphone verification. Your agents verified that they had my correct cellphone number. I would be pleased to provide these documents to you upon request. Note that I used two different browsers and my XXXX with the same result. 


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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXXBalance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX  XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXBalance Owed : {$5.00} XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXXBalance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXXXXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX Balance Owed : {$760.00}
Product: Debt collection

I was first contacted in XXXX regarding the debt. I told them that it did not sound correct amount wise. They would call me several times a week. The collector was very rude when I would try talking to him. I asked for the account number 3 times before he ever gave it to me. Even hung up on me once. I sent 2 different letters regarding settling on the account and received nothing back and no call. The last attempted call i got was on XXXX. However this collection agency keeps submitting to credit reporting companies regarding the account without any attempts to contact me. The debt was never verified. I never got any letter. No one has spoke to me in months or attempted to. This collection agency is not even in my state or region. Not even remotely close.
Product: Checking or savings account

Chase Banking On XX/XX/XXXX I received a bonus email from chase to open a checking account. Upon direct deposit being set up for a first time checking account the bonus would be honored of {$200.00}. 

All steps were completed and bonus was not applied. 

On XX/XX/XXXX I called following up on this bonus. The call lasted 20min. The staff informed me they would send this to the back office to honor this bonus. 

A researcher was assigned to the case but did not follow-up by getting in contact with me. Stating invalid phone and email on file which is incorrect. 

I have attempted to call this researcher over 10 times and left multiple messages and have not received calls back in the course of a week. 


Following-up with chase a supervisor they informed me they would expedite and assign a new researcher on the case that would call me back in two hours. That did not happen as well. 


At every turn and point I have talked to a various employees who have attempted to call the staff researcher who provided a false narrative, without much success. No employee at chase was able to get XXXX XXXX on the line to answer their questions as well. Emails were sent with no response. 


I in-turn uploaded the email I reached from chase guaranteeing me a bonus along with the coupon code provided. I also included the email stating the bonus was automatically applied, which was not the case. 

They enticed the consumer to open an account using deceptive practices and have refused to provide guaranteed bonus, although all steps have been completed. 



I spoke to an employee XXXX today as well who decided it was best to send me to a voicemail instead of a supervisor that would take my call. XXXX forwarded me to the researchers voicemail box instead of his superior. The case number for that call is included below. 
- # XXXX - # XXXX Case ID for second escalates call towards Chase Back Office XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$690.00} XX/XX/XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 sw 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, In fact therefore exists.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX  XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : Please delete the following accounts : XXXXXXXX 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 card

I have lost my credit worthiness due to not making a payment on a late fee I believe not to be correct. I have been paying this card on time and was charged a late fee, I have not used the card and the late fees continue to add up. I do not feel this is a fair practice as the original balance was very minimal. Target is now charging me not for purchases but for late fees over late fees. most of the amount owed is late fees on top of late fees. 
I need for this to stop and for target to clear my credit as I do not owe the late fees that arbitrarily am being charged.