23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have an Synchrony Bank/Amazon Store Card Account that was opened in XXXX ; I paid the account off in XXXX of XXXX and did not use/access the card again until XXXX, or XXXX of XXXX I don't remember the exact month, but if was within this time frame ; I charged {$69.00} on the card during this time, and the following pay week I paid that amount. After that the card had not been used again, then received a letter in the mail on XX/XX/XXXX from XXXX XXXX XXXXXXXX stating my account had been closed due to the number of dishonored payments!! I immediately called Synchrony, to find out why is my account closed, and what do they mean about dishonored payments? I pay all my bills on time, as i have a 100 % excellent payment report and a good credit score!! Once on the phone i asked the representative I received a letter stating i had dishonored payments, and my account has been closed why? The representative stated the account was not closed, and i asked why did i receive this letter if it's not closed? she said they close out the account automatically if they suspect fraudulent activity. The Rep then tells me there's a balance on my account of {$150.00} I told her i haven't made any purchases in that amount, and would like to dispute it, so i made a dispute claim in which she said it could take up to XXXX days. I received a call about XXXX later and they were stating i now owed {$99.00} for insufficient funds!! I told them I made payment of the {$69.00} where is the {$99.00} coming from I don't owe them anything! so on XX/XX/XXXX I paid {$99.00} to Synchrony Bank Amazon Store Card ; so on XX/XX/XXXX I received another letter in the mail stating my closed account was reopened in error, and has since been closed i then contacted them again to find out what's going on! The Rep said once again your account is not closed it's still open, she said you do have a {$150.00} credit! and have a XXXX balance, i asked her to close the account, and she did and she said i will also mail the {$150.00} Check in which i received. This Company has continued to call me continuously, saying i owe after the account has been closed and they reported in XXXX that i'm XXXX late, and still adding late charge fees to the account and to the credit bureau when the account was closed in the month of XXXX ; this has affected, and is affecting my credit score drastically when i don't owe them anything and i don't see why they should be able to report to the credit continual when an account is closed!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE.
Product: Student loan

I reached out to Mohela on more than one occasion. Like many, I am being harmed by the SAVE program being on hold. During this time, Im stuck in limbo collecting thousands in interest while they determine if I ( A ) qualify for this loan ( my understanding is I qualified by the very fact that I was approved ) or ( B ) the ridiculous lawsuits put my payments on hold while they are still accruing interest.

In addition to that, the SAVE plan is supposed to cover additional interest if the payment is lower than the total interest, which had yet to happen while the payments were active.

I feel I was lied to and have likely added at least 1-2 years of additional payments, or more, as a result.
Product: Vehicle loan or lease

I requested a settlement but I got sick and had medical issues I explained to them and they said it was fine and the agreement will be ok but then canceled but never known until I made payment on the account. They put Muiltiple missed payments when I was making payments. Harassing me even after the sold the account to a third party collection agent. Had multiple furnishing for inaccuracies on the account. Refused to take off credit report even though they keep reporting incorrect information on the account I am still paying on and I made a payment XXXX and put missed payment still. I asked for a goodwill will no one will answer me on it to remove from my credit report. At the time the car was repossessed XXXX XXXX XXXX XXXX for XXXX and having XXXX XXXX. I called to let them know about what was going to and I was hospitalized. They wouldnt work with me at all even though we were struggling badly while I was out of work as a single mom. I asked that Id be forced off credit report with the inaccuracy of the account that they are messing reporting to credit bureaus. I feel as if they should remove due to natural disaster since the XXXX ended me up as hospitalized while pregnant. Please help me I really need help this is the last thing I can think of the have someone just help me with the capital one auto charge off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with AffirmXXXX XXXX on XX/XX/XXXX. My original purchase was {$1100.00}. XXXX XXXX sent me the wrong items so I returned them. I received my credit so my balance decreased by half. I made a call to affirm to renegotiate my payments and they told me I signed a contract and I needed to make my {$370.00} payments over 3 months. I explained I didn't owe that much anymore since my return. They told me I still needed to make the payment On XX/XX/XXXX I made the payment of {$370.00}. They reported to the credit bureau paid on time. XXXX I called again to discuss my balance because I only owed about {$200.00}. My order was back ordered from XXXX XXXX  until XX/XX/XXXX. I told them I wasn't going to pay for merchandise I have not received or more than I own. I made {$50.00} payment in XXXX and my account was reported to the credit bureau as paid on time. I made additional payment in XXXX and a final payment on XX/XX/XXXX. I got a notification from experian affirm reported my account as 30 days past due. After my account was completely paid.
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 Comsumer 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 Fund Transfer Act ( EFTA ) and Regulation E.

These actions had caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Received a collection letter from Retrieval-Masters Credit Bureau , Inc. on XX/XX/2018 representing XXXX XXXX for {$300.00} stating is a past due amount. No charge date or purchase date listed as well as any other pertinent information. We don't owe this company anything. Also this is the first such implication of the " debt '' sent to us. Called XX/XX/XXXX at XXXX XXXX. First spoke with XXXX who said the dates she has " don't look right so I'll check. '' Put on hold then phone went dead. Called back and spoke with XXXX who was belligerent and condescending and then hung up. Called back and got XXXX who said he'd go on-line to investigate. Told me " we have no info and you need to call XXXX. '' I contested that and finally he said he would call to investigate and get back to me " in 24 maybe 48 hours. '' Has not returned call. I called XXXX   earlier today and am filing this complaint as instructed. Collection agency information is : Retrieval-Masters Creditors Bureau , Inc . 
XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Block Request To Whom It May Concern, I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$130.00} Please correct/update this inaccurate information LATE PAYMENTS on my credit report. 
XXXX. XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$110.00} Please correct/update this inaccurate information LATE PAYMENTS on my credit report XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX Balance : {$0.00} Please correct/update this inaccurate information to PAID AS AGREED or removed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Help me credit a dispute letter for XXXX. ( civilized liability negligence non-complaints )
Product: Checking or savings account

I received an email with a PayPal logo at the top. It stated that a charge of {$710.00} has been submitted successfully to XXXX XXXX via my PayPal account. Advised me to call Customer Support at ( XXXX ) XXXX for any questions. I did this and spoke to a person identified as XXXX XXXX. He said the charge was made in XXXX XXXX and the money was sent to XXXX XXXX in XXXX. He advised me to download apps from XXXX and XXXX to my XXXX.Theresfter I received an email from XXXX saying the charge would be reversed. I am XXXX XXXX XXXX and believe this was a scam ( Identity Theft ). 
I have cancelled my PayPal account and frozen my XXXX XXXX. I don't know what else to do. Thank you
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 this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION FAILED TO INVESTIGATE THE DISPUTED ITEM WITHIN 30 DAYS.. IN ADDITION THEY FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEM PURSUANT TO SECTION 609 OF THE FAIR CREDIT REPORTING ACT
Product: Mortgage

We thought everything was resolved with PNC, only PNC did not follow through or do anything they said they would do! They did not send us a copy of their previous resolution, ( that they posted to you ) did not send us a XXXX packet so we would have something in writing about when payments would begin again, etc. We signed documentation on XX/XX/XXXX, emailed it to them XXXX XXXX XXXX said they received it.She was leaving that day and said that was all she needed. I asked if they also needed it mailed. I was told no and that they would send us XXXX tracking info with everything we needed. We asked to have that response in writing. Nothing came. I begin calling the first of XXXX to find out about it after receiving multiple collection calls and foreclosure letters. We received nothing we were told they would send. XXXX ( different member of escalation team ) was extremely rude and would not allow me to ask questions to find out what was going on. Emails, nor calls were answered, nor returned. Friday ( XX/XX/XXXX ) we got a XXXX  packet of exactly the same thing they emailed to us in XXXX and then they said there was an error in it, so we needed to sign it again. Yet they could not tell me what the error was. It was word for word the same. The executive relations team told me the packet would have all needed info in it. It has no information in it except previous info. They claim they XXXX  it to the wrong zip code. Clearly, they never sent it. I never received a XXXX tracking number until I called asking about it. ( XX/XX/XXXX ) The XXXX  number they finally gave me last week was incorrect, with transposed numbers. The foreclosure letter said they were moving forward towards foreclosure since they did not receive the modification letter back in time. On XX/XX/XXXX, via info from yet another rep is that XXXX XXXX now claims he needs a hard copy of our signatures, after lying about the supposed error! It seems he will say anything to cover up for not doing what they said they would do. It is difficult for us send anything back when we never received it. They are outright lying. They have not followed the Cares Act guidelines! This loan has been a mess since PNC purchased it! We have asked for a mortgage audit and it has not been done. We believe we deserve to have 30 days to know what amount our payments will be and when they will be due! The government has bailed them out and then they dont bother to communicate with us until we file this report. There is NO FOLLOW THROUGH of what they told you they would do! It should not be this difficult! We did what we were asked to do! This began in XXXX with our calls to them and is an absurd amount of time for consumers to try to resolve something! We received no paperwork from them when we deferred this loan. We kept being put off until we contacted you in XXXX. As you can see, PNC has not followed through. They simply told you they would do something so it looked like they followed the guidelines.
Product: Credit reporting

A severe violation of the FDCRA law has occurred, particularly FCRA 611 Procedure in case of disputed accuracy ( 15U.s.C. 1681i ) Requirements relating to reinsertion of previously deleted material. Because I have been a victim of fraud, I have credit monitoring services for Transunion, XXXX and XXXX to keep me abreast of any changes to my reports. On XX/XX/2017 I received notices that from XXXX and Transunion both that they had deleted an collection account from my report, XXXX, I went to verify and sure enough it was deleted. However, when I went back to check it was reinserted on XX/XX/2017. The law states that a consumer reporting agency shall provide to a consumer in writing no later than 5 days after the reinsertion date. To date, I have received no such notice. This is a complete violation as I have not been notified and when I called the Special Handling Department and spoke with a US Agent, they said that it was nothing they could do unless I disputed it. However according to the law they FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THAT IS NOT TRUE. 
I am desperately seeking your help to get the XXXX account removed from my Transunion credit report because they violated the law and re-inserted it.
Product: Debt collection

I called XXXX in XX/XX/XXXX to tell them I was selling my home and to cancel the service. They refused to cancel the service. I have month to month service and was able to cancel. My house was sold on XX/XX/XXXX and now I am being sent to collections for not canceling the service. 

Account number XXXX. 

XXXX assigned this to Sequium Asset Solutions , LLC located XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / agency Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX. Account XXXX - XXXX. I just got a copy of my credit report. To my surprice, You are reporting this account incorrectly. This Collection account is reporting not only reporting as XXXX, but also shows a past due balance of XXXX dollars. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion
Product: Checking or savings account

HSBC did not pay a welcome offer that was made when I applied for a checking account. 

I applied for an HSBC Premier checking account on XX/XX/XXXX using an hsbc.com webpage that advertised a " Welcome Deposit offer for eligible new customers '' of {$750.00} with a new HSBC Premier checking account and qualifying activities that required : 1 ) Opening the account online by XX/XX/XXXX. 
2 ) Make recurring direct deposits totaling at least {$5000.00} from a 3rd party to the HSBC Premier checking account per calendar month 3 ) Receive monthly direct deposits totaling at least {$5000.00} into the checking account for 3 consecutive calendar months from the second full calendar month after opening. 

The terms stated that I would automatically receive a {$750.00} Welcome Deposit approximately eight weeks after completing all qualifying activities. 

My application was approved on XX/XX/XXXX and I my employer has made {$5000.00} direct deposits every month beginning XXXX, XXXX. The third such deposit was made at the end of XXXX, XXXX and they continue to this date. 

I contacted HSBC shortly after the 3rd direct deposit and inquired via message about the welcome bonus. The representative confirmed that I had made 3 qualifying deposits and that I would receive the welcome bonus approximately 8 weeks later and additional review. In inquired two more times since then and on the last inquiry, I was told that the HSBC Campaigns and Promotions Department would investigate. Finally, on XX/XX/XXXX -- - nearly 3 months after I completed the requirements, they notified me that I did not qualify because my application was not submitted via the required webpage. 

I have tried contesting with them and offered a screenshot of the webpage I used to apply, but they have remained firm.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX XXXX  XXXX