23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When speaking to my Chase rep who is supposed to be helping me submit a modification option with paperwork she told my wife and I to not pay anymore on the mortgage or send in any payments because Chase will not accept it. She said that it could take up to 45 days to get our modification reviewed and approved. She told us to just save our money and save as much as we can. In late fees we were behind by an amount we could pay right then but because it was not including the attorney fees for Chase she said it was closer XXXX. This just does not sound like it is right and I have never heard of not trying to pay when you have something to pay towards your debt.
Product: Credit card or prepaid card

In late XX/XX/2022 I completed the requirements to achieve " Titanium Status '' through my American Express XXXX card and XXXX XXXX  Account ( XXXX ). When achieving XXXX XXXX the member is entitled to a selection of rewards that includes a free night and some other options which are of objectively lower value. The member is unable to select the benefit until receiving a notice from XXXX. I checked for this notice as well as inside the app daily from the time I completed the requirements but no selection was possible. In XXXX I received a notice from XXXX informing me that I have selected " 5 suite nights ''. This is a worthless benefit of no value to titanium members because titanium members are always entitled to free upgrades to a suite when available. When I complained numerous times about this no action was taken to correct the problem. 

To be clear I did not make or approve any " automatic selection '' I did not receive any notice to make a selection and when I checked the XXXX website and the XXXX  app daily no opportunity to select an award was available. 

This card carries an extremely high annual fee of {$650.00} and is not acceptable to allow XXXX to cheat the card holders out of the rightfully earned benefits. 

I also have a friend holding the same card who received the exact same treatment from XXXX XXXX and Amex. This is a fraudulent bait and switch on the benefits.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Payday loan, title loan, or personal loan

My finance company Lendmark Finance sent a letter stating it was updating their statement, that was over a year ago. The statement they have been sending only states the monthly amount due and does not include the interest paid. I have contacted the XXXX branch and all they can tell me is they know and it's still be updated, I sent a message on-line to Lendmark and inquired about the problem, I was never contacted. At this point I don't what I am paying in interest every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax were contacted with legal documents to update and close XXXX child support because there is no longer ANY debt. Both companies are refusing to update said accounts that are in error as per FCRA. XXXX and XXXX even shows an astronomical monthly payment and heres proof : XXXX OF CHILD SUPPORT Account number XXXX Account type Family Support Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$39000.00} Original balance - Highest balance {$0.00} Terms 1 Months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under ( 15 U.S.C. 1681 ) and these accounts are also being reported in error by the credit reporting agencies. Also listed are sections and references of which they violated.

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
The following accounts below for this complaint are as follows, U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of EDXXXX  Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX U S DEPT of ED/XXXX Account Number : XXXX XXXX XXXX XXXX Cash Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

GLOBAL RECOVERY GROUP XXXX XXXX XXXX XXXX XXXX use deceptive methods to collect a debt from me. They had an unidentified male contact me and claim to be law enforcement threatening to go to my home address and said I 'll be served and arrested if I did n't call in to XXXX XXXX to pay a {$750.00} credit card debt within 10 minutes on XXXX/XXXX/2016. 
They also threaten to seize, garnish, or sell property. I felt my family was in danger so I call and gave them my debit card number.
Product: Money transfer, virtual currency, or money service

Hi, Paypal closed my account for no reason and without getting any help or assistance from them. I'm not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for a month but I was just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me. Great deal as I used Paypal quite frequently. My email linked to my Paypal account is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a {$110.00} debt to XXXX XXXX directly instead of to the XXXX XXXX XXXX they used. 
I paid this in 2016. I still have it as a negative on my credit report. I worked really hard to get good credit, and neither company will do anything about erasing this. 
I called both XXXX XXXX and XXXX XXXX XXXX   XXXX agreed after looking at my account that I had paid it. XXXX will not remove this. 
Please help. 
Thank you.
Product: Credit card or prepaid card

I called Citibank to pay the balance on my credit card. The system would not let me make a payment and I was transferred to the " fraud '' department. I spoke with someone called XXXX in the XXXX who did not speak very good XXXX. She could not locate my account so I am denied the ability to make a payment on my card
Product: Money transfer, virtual currency, or money service

Subject : Formal Complaint Regarding Illegal Account Freeze and Funds Withholding I am writing to express my deep concern and frustration regarding PayPals unlawful actions of freezing my account without providing any valid reason or due process. On XX/XX/scrub>XXXX XXXX XXXX I received a notice ( Reference ID : XXXX ) indicating that my account was restricted and that my funds would be held for 120 days. This action was taken without prior warning or explanation, and no sufficient grounds have been provided to justify this extreme measure. 

PayPals decision to withhold my funds without any legal basis or notification of any wrongdoing constitutes a violation of my rights under both federal and consumer protection laws, including but not limited to : 1. Electronic Fund Transfer Act ( EFTA ) : The EFTA prohibits the unauthorized freezing of funds without due notice or opportunity to address potential concerns. PayPals actions violate this law by restricting my ability to access or transfer my legally owned funds. 
XXXX. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Wall Street Reform and Consumer Protection Act : Freezing my account without clear communication or a reasonable basis is considered an abusive practice, as it severely hinders my ability to conduct business and manage personal finances. 
3. Breach of PayPal User Agreement : The account freeze and subsequent withholding of funds fail to align with any legitimate grounds outlined in PayPals own User Agreement. I have abided by all terms and conditions, yet PayPal has acted arbitrarily by imposing these restrictions.

Additionally, the fact that PayPal is preventing me from removing my bank and credit card information from the account places my financial information at risk of theft and unauthorized use, which is completely unacceptable and may lead to further liability for PayPal under data protection laws. 

I hereby demand the immediate release of the funds currently held in my PayPal account and the ability to transfer them to my designated bank account. Furthermore, I request the removal of all stored financial information linked to my PayPal account to protect myself from any potential fraud or misuse of my personal data.

If these actions are not taken promptly, I will be forced to pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX and potentially initiating legal action to recover the funds and address damages caused by PayPals actions. 

Please address this matter immediately. I expect a resolution within three business days of this correspondence. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

On or about XXXX XXXX 2022, I opened Sofi Checking account with a promotion. As per the promotion, if i have direct deposit of $ XXXX within 30 days, I will be provided a cash back bonus of {$300.00}. I fulfilled that terms and conditions on XXXX XX/XX/2022 ( having more than $ XXXX as direct deposit ). Chatted with Sofi customer service ( on XXXX XX/XX/2022 ) and I was told by him that I will get {$300.00} cash back bonus within few days. 
Here is the chat You are now chatting with XXXX XXXX XXXX, XXXX XXXX, thanks for choosing SoFi! My name is XXXX XXXX, How can I help today? 
Hi XXXX XXXX how are you doing? 
when I am going to get my {$300.00} bonus? 
I'll be happy to help you. Give me 2-3 minutes to take a lookover your account. 
Thank you for holding and being so patient. We received your first direct deposit on XX/XX/XXXX. Your 30-days will be XX/XX/XXXX. Your bonus will post in 2 weeks from XX/XX/XXXX. 
ok how much bonus? 
If you deposit XXXX dollars with-in a 30-day period you would receive a XXXX dollar bonus. 


Today I saw that Sofi only credited my account for {$100.00} NOT {$300.00}.
Product: Credit reporting or other personal consumer reports

I have attempted to have my account updated with my correct name and address, and no one has deleted the information that I requested to have removed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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. 

( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

the credit bureaus failed to do a proper investigation.I still haven't received notice of investigation listed at my proper address 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party
Product: Checking or savings account

Navy federal credit union has been illegally overdrafting my checking account for the past year. 
They wait until my money is all spent before they process my payments. For example, I made a payment of {$310.00} on Monday, XX/XX/XXXX and Navy Federal did not process it until Wednesday, XX/XX/XXXX. Then they hit my account with a " Return check fee ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See documents attached.
Product: Credit reporting or other personal consumer reports

Equifax is causing harm to my consumer report by not accurately reflecting my consumer credit score. Equifax is in the business of furnishing consumer reports based on my relationship with my creditors. My creditors have stated and Equifax that they are reporting accurate information if that is so why is there no risk score available if based on the same information the other 2 reporting agencies have.

credit score Primary tabs A credit score is a number between XXXX and XXXX that serves as a numerical representation of a persons creditworthiness. The higher the score, the better an individuals chances of securing a loan since a higher score suggests a greater likelihood that an individual will repay a loan on time. 

The score is calculated based on an individuals credit history, which includes the number of open accounts the individual has, his/her repayment history, and the amount of debt the individual has ( see also credit report ). 

The XXXX score, created by the XXXX XXXX XXXX, is the most commonly used credit scoring system and is currently used by 90 % of top lenders. 
credit report XXXX tabs A credit report is a detailed written account of a consumers credit history, as prepared by a credit bureau using financial information collected from creditors. This information includes a consumers identifying information ( current and previous addresses, Social Security number, and employment history ) as well as their history of loans, credit cards, bills, accounts, payments, bankruptcies, and credit searches. 

Lenders use credit reports to determine each loan applicants creditworthiness. In order to obtain these reports, lenders are required to follow the procedures laid out in the Fair Credit Reporting Act. The Fair Credit Reporting Act requires that each of the XXXX credit report bureaus ( Equifax, XXXX, or XXXX ) must supply consumers with a free credit report once a year. The XXXX also entitles consumers who are on welfare, unemployed ( and seeking employment ), victims of identity theft, or subjects of adverse action ( such as denial of credit, insurance, or employment ) to a free credit report from each of the reporting agencies. 
XXXX XXXX XXXX XXXX is the acronym for XXXX XXXX XXXX, as well as the name for the credit scoring model that XXXX XXXX XXXX developed. A XXXX credit score is a tool used by many lenders to determine if a person qualifies for a credit card, mortgage, or other loan. XXXX scores also determine the interest rates a person would pay or their credit limit. Higher scores generally correlate to a better likelihood of getting a loan, and better interest rates for those loans. Scores range from XXXX to XXXX. A score below XXXX is deemed poor, and persons with this score are viewed as risky. A fair credit score is any between XXXX, good between XXXX, and very good for XXXX. Those with an XXXX or above are deemed exceptional.
Product: Credit reporting or other personal consumer reports

I disputed XXXX XXXX  account back In XX/XX/year>, no response I then sent a certified dispute letter in XX/XX/year> Asking for correspondence on how was this information verified, and if no information was furnished.
Product: Debt collection

I am extremely upset with this whole experience. I signed a contract for solar panels to be put on my home through XXXX XXXX, and they did not live up to the contract. Sometime later I was informed that XXXX bought out XXXX XXXX and my contract went along with it. XXXX has been no help, I can not even get in touch with them. I can not find a number for customer service or anything. They simply have a digital post card type deal that you can submit through their website so they can get back in touch with me, but it has been months and I still have not heard anything back. I can not verify any dates or specifics because I want to request a copy of my contract but I can not get in touch with them! I am livid. XXXX has placed a lien on my home because of the panels and I can not even get in contact with them to plead my case. I pray that this helps some because I have not received any help at all from XXXX XXXX or XXXX. XXXX 's website sucks. For being a technological juggernaut, their website is terrible.
Product: Credit card

Capital Ones charged us Interest by applying part of our payment to the next promotional offer. the charge was XXXX. My wife and I called, and they would only agree to refund {$50.00}. I could tell that it was a scam and they were trained to not let it go any further. We tried to escalate it but he said there was no one to escalate it to. It is clear they are not interested in fair business practices.
Product: Debt collection

They called my phone almost everyday since XX/XX/XXXX. The employee 's name is XXXX, she leaves a message to return her call to her or one of her associates but never states the reason for her call. I finally returned the call today XX/XX/XXXX at XXXX. I get the automated service that asked questions to verify who I am and that I have an active mortgage account with Carrington Mortgage. 

After verifying I get a live person that I asked to speak to XXXX. This associate continued to ask more questions that did not pertain to my concern of continued calls from them. I politely stated my reason for calling, which was for them to stop calling me everyday because I'm current with my mortgage and I communicate with Carrington Mortgage via my online account. 
The associate said if you don't continue to answer her questions she wouldn't reveal why they were constantly calling me everyday and if I would hang up that they would continue to call me after I specifically ask them to stop calling me and communicate with me via mail or online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that my bankruptcy filed XX/XX/XXXX has been updated and resubmitted to reflect a current date of XX/XX/XXXX which is incorrect and looks like i just filed the bankruptcy. 
under XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   this information is incorrect and should be cleared up and updated to the original correct filed date of XX/XX/XXXX
Product: Debt collection

I was called repeatedly from synchrony bank to collect a debt after I had told them I had lost my job due to Covid and was trying to make payment agreements with them. 
They called me close to XXXX times after I told them please dont call me while Im at work and told them the hours I worked they continued to call me while I was at work and leave voicemails. I paid one of my synchrony bank accounts off via a settlement agreement and they entered into a settlement agreement with me regarding another one after I started paying on the second settlement they backed out of the settlement agreement. They refused to accept any payment plan when I attempted to pay them initially and continually harassed me and doc my credit each month by reporting that as delinquent. When they were paid off in a settlement for one of the accounts. And the second account they had been partially paid for the settlement yet they still report that debt inaccurately. I told them I was affected by Covid and I asked to have my debt deferred which they refused to do. And they continue to report one account as not settled and it was settled. From XXXX of last year synchrony bank called me numerous times leaving voicemails using A Robo dialer to harass me while I was at work.
Product: Credit reporting or other personal consumer reports

XXXX IS REPORTING XXXX inquiries when there is only XXXX on XXXX and XXXX has only XXXX and XXXX shows that they were for online service request when i did ask for my credit to be ran XXXX times, this is inaccurate and must be removed /deleted US CODE 1681 c 2, us CODE 1681e-b and XXXX REINSERTED a bankruptcy when section 9037 only last four of social is shown, and only birth year is shown how was it verified bankruptcy laws says a consumer information is redacted. XXXX places bankruptcy back on my credit report. FCRA STATES credit bureaus reinserted a item after it was removed, they were supposed to notify me U.S.part a-A-5-B-ii, XXXX XXXX is reporting a XXXX balance on all reporting agencies which i have no idea who they are, and what the charges are for.
Product: Credit reporting or other personal consumer reports

Experian has failed to conduct a thorough investigation of the fraudulent items listed on my credit report. I am now submitting documentation through the CFPB to see if I am able to get a response this way.