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

I have multiple store credit cards with synchrony bank : Amazon store credit card and TJ Maxx, XXXX, home goods store credit card. 

Synchrony bank calls my house phone constantly. They also send me emails regularly, regardless of whether l made a payment. 

As I write this complaint those cards have been closed, although Ive been making timely payments every month. 

On XX/XX/2021 a payment of {$50.00} was made. On the XXXX of XXXX, upon receiving an email that the payment made a week earlier did not go through, l went ahead and made another payment of {$120.00} that same day. 

On XX/XX/XXXX I received another email from Synchrony bank, alerting me to yet another payment not received. Immediately, I picked up the phone and called Synchrony bank to ask why the payment l made on the XXXX hadnt reflected in their system. The associate said : l will attach a note to your account. But in order for me to update your account you must fax proof of payment to us. I told her I would fax that information to them on Friday, XX/XX/2021. 

But immediately after hanging up, and having sensed something unusual, l logged in to my online banking with XXXX l did a search using dollar amountand was able to find the transaction. {$120.00} was paid to Amazon store credit card. So l decided to call the bank again. And when I spoke with an associate she said : we found the transaction. But this has been happening, which has led to my card/cards issued by Synchrony bank being closed. All store credit cards l have with this bank are currently closed. 

Im submitting this complaint for myself. I feel as though Im a victim of discrimination. I need your help in filing a lawsuit against synchrony bank.
Product: Money transfer, virtual currency, or money service

Hi my name is XXXX XXXX, I am the owner of my Venmo acct, with routing XXXX ; an account XXXX. I have recently made a complaint ( complaint XXXX ) that was responded to ; however the response stated that I will not be receiving my fund or continuing service, HOWEVER early in the message it says my funds will be released for withdrawl on or before XX/XX/scrub>XXXX XXXX XXXX ...... 

SO WHICH IS IT!!! ! ... ... .ARE MY FUNDS GOING TO BE EVENTUALLY RELEASED OR ARE YOU GUYS STILL TRYING TO KEEP MY FUNDS?? once again its been since XXXX that my account was suspended an you have no proof of fraudulant activitiy, other than being suspicious of me an my cousins making venmo accounts with the sam

e address to file our taxes with SINCE WE ALL LIVE HERE ... ... .AN ( which is MY legal money ) ..... 
I even have proof of my tax forms to the irs, yet your holding my money .... WHEN WILL MY FUNDS BE RELEASED??? 180 DAYS IS ALMOST UP AN I WILL BE TAKING COURT ACTION IF MY FUNDS AREN'T RELEASED. VENMO HAS BEEN HOLDING PEOPLES MONEY AN HOPING THEY FALL OFF AN FORGET ABOUT IT, BUT IM NOT i WORLED ALL YEAR FOR MY FUNDS AN I WANT THEM BACK NOW!!!!
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 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 have caused significant inconvenience and financial loss, and I seek appropriate redress for those violations
Product: Credit reporting or other personal consumer reports

I have contacted XXXX multiple times and filed XXXX separate disputes to correct the error. I also requested and received a letter from the bank showing the account was paid in full with a zero balance. This letter was upload to XXXX via the XXXX portal. 

The second dispute was completed and the information remains unchanged, even with proof of their error.
Product: Credit reporting or other personal consumer reports

I am requesting the immediate removal of the unauthorized accounts from my credit report. These accounts were not authorized by me, and I am unaware of their origins. In line with USC 1681g, please remove them within the next XXXX  days. Enclosed are the supporting documents for your review.
Product: Debt collection

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I disputed the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Saturday.XX/XX/XXXX I received a XX/XX/XXXX XXXX Credit Report and review it and it has many Unauthorize Inquiries in which I never gaved Authourization or Consent for no creditors to pull my credit neither Verbally or Written Consent. 

Also, XXXX hasn't updated and remove the Derogatory Remarks of XXXX XXXX XXXX and negatives from my credit Report. 
Also, Bankruptcy has to be removed as XXXXXXXX XXXX VA Loan was fraud, Corrupted with home purchase of Texas on XX/XX/XXXX and many Filed Federal Government Complaints was filed. 
US Senator XXXX XXXX has been contacted and I signed a Privacy Release for Federal Investigation and much more. 
US Department of Justice ADA Case # XXXX. filed also against XXXX XXXX XXXX on auto loan # XXXX was also included on Federal Complaints. 
I am XXXX XXXX and XXXX.and a XXXX XXXX XXXX Military Veteran. 

I respectfully marked all Derogatory remarks with Delete and check marks. 
Bankruptcy has to be deleted as XXXX deleted the bankruptcy from my credit report.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Transunion I am writing to formally dispute an entry on my credit report regarding a collection account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account does not belong to me, and I am requesting that it be removed from my credit report immediately. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information on my credit report, and you are required to investigate and remove any information that can not be verified as accurate. I have never had any business dealings, nor have I signed any contract or agreement with XXXX XXXX XXXX. Therefore, I am not legally obligated to pay this alleged debt. 

Additionally, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collection agencies from attempting to collect debts that are not valid or that do not belong to the consumer. Specifically, the FDCPA prohibits any form of false representation of the character, amount, or legal status of the debt. Since I have no contract or agreement with XXXX XXXX XXXX, any attempt to collect this debt is in violation of the FDCPA. 

Please conduct a thorough investigation of this matter. If XXXX XXXX XXXX can not provide evidence that this debt is legitimate and that I am indeed responsible for it, you are required to delete this account from my credit report pursuant to the FCRA. 

I request that you provide me with written confirmation once the investigation has been completed and the inaccurate information has been removed. 

Thank you for your prompt attention to this matter. I expect this issue to be resolved as soon as possible, as it is damaging to my creditworthiness and does not reflect my actual financial history. 

This letter asserts your rights under the FCRA and FDCPA, two key laws related to credit disputes. If XXXX can not verify the accuracy of the debt, they must remove it from your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion believe this request were not made by me. But the information I submitted, is exactly like the information I submitted in a dispute early last month. TransUnion is not appropriately responding. Their suggestion is that I dispute the information directly with them, which is a way out of being held responsible for their inaccuracies.
Product: Credit card or prepaid card

On XX/XX/XXXX I contacted Barclays Visa regarding transactions on my credit card statement. Barclay offered transfer balances/promotional checks interest free through specified dates. I availed myself of those " convenience checks '' and used them since there the interest rate is 0 % through specified dates. Upon reviewing the schedule of convenience checks which were used, I learned from the credit card company of how they post the payments which are made to the account. 

The complaint that I am filing due to the fact that the methodology used to apply the consumer payments is an abusive practice which puts the consumer at a significant disadvantage and allows the credit card company to manipulate the payments made on the account in a manner which unfairly penalizes the consumer. 

Here is what they do : There is a balance carried on Standard Purchases : in my case it was {$1000.00} ( 29 % APR ) There are also numerous Balance Transfer/Check Promotions which were taken out by me on numerous occasions with different ending promotional dates upon which any remaining balance will then be charged at the specified interest rate of 29 %. 

I make payments greater than the minimum amount. I was expecting that the entire payment amount would be applied to the balance with the highest interest rate. I wanted to payoff the balance since there is an APR of 29 % whereby the other balance transfers have a 0 % APR until a date out in the future. Barclays stated that anything above the minimum amount is applied to the other balance transfer/check promotions in any manner which they desire to apply them. I requested that they apply the entire payment that I made to the amount with the highest interest rate but they stated that they will not do it. The company then proceeded to apply the remaining payment to a check balance /transfer which was just taken out. When I asked why didn't they apply the amount to the oldest transfer balance ( since this amount will start to accrue interest on XX/XX/XXXX ) they indicated that they can apply it to any amount they want.. In my case they applied the remaining payment to the balance transfer/promotional check with the lasted date ( XX/XX/XXXX ) where the balance will start to accrue on XX/XX/XXXX. 

The remedy which I am looking from Barclay is for them to apply the payment made on the account in a manner which is proper and fair. Payment which be applied in their entirety to the balances with the highest interest rates thereby allowing a fair and equitable reduction on balances with the highest rates. Furthermore, if appropriate then a payment should be allocated to the balances with the earliest coming promotional dates. Barclay should not be allowed to take advantage of consumers. Furthermore, clear and plain disclosure of this practice and not made. 

Documentation can be submitted upon request.
Product: Mortgage

I have been contacting OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, to no avail, I have expressed concern about the EXTENT OF THE DAMAGE TO THE HOUSE, SEVERE TERMITE INFESTATION, MOLD, AND MILDEW. I continued to make over {$22000.00} dollars in MORTGAGE PAYMENTS FOR A HOUSE THAT IS UNDER WATER, I have called over ten backs, to get approved for a loan for refinancing, I was told by each lender that the HOUSE had to be RENOVATED FIRST, THE HOUSE FLOODED IN XX/XX/XXXX, I still continued to make payments. I am living in a house that has been DEEMED TO BE UNINHABITABLE AND UNSAFE, DUE TO THE STRUCTURAL INTEGRITY OF THE HOUSE. I HAVE INVESTED TO MUCH TO WALK AWAY FROM THE PROPERTY. 
I DID NOT HAVE FLOOD INSURANCE. I HAVE BEEN IN THE HOUSE FOR 24yrs. 
I have submitted the pictures of the damage caused by the TERMITES. HOWEVER, THE ONLY THING THAT THE MORTGAGE COMPANIES WERE INTERESTED IN WAS THE MORTGAGE MONTHLY PAYMENTS. I ALSO SUBMITTED SUPPORTING DOCUMENTATION OF MY WORK RELATED INJURIES THAT I SUSTAINED ON THE JOB WORKING FOR XXXX XXXX XXXX. I HAVE BEEN WAITING ON HELP FROM THE RESTORE LOUISIANA PROGRAM. IF I WOULD HAVE GOTTEN HELP FROM THE RESTORE LOUISIANA PROGRAM, I COULD HAVE FIXED THE HOUSE, AND SOLD IT, AT MY CHOOSING. I WAS TOLD THAT OCWEN MORTGAGE, PHH MORTGAGE, AND XXXX, HAVE NO DESIRE IN HELPING THE HOMEOWNERS, KEEP THEIR HOMES FROM FORECLOSURE, BECAUSE THEY GO TO THE AUCTIONS AND BID ON THEM THEMSELVES. I WAS NEVER OFFERED THE CHANCE TO REFINANCE BY THE MORTGAGE COMPANIES INVOLVED, NOR WAS I GIVEN THE CHANCE OF A LOAN MODIFICATION, OR A CHANCE OF FORBEARANCE, ALL PARTIES MENTIONED ARE AWARE OF THE HOUSE FLOODED IN XX/XX/XXXX. THEREFORE, NO LENDER WILL REFINANCE, NOR WILL OCWEN MORTGAGE, PHH MORTGAGE, NOR NEWREZ. I CONTACTED PHH MORTGAGE ABOUT MY INTEREST IN LOAN MODIFICATION IN XXXX, I ASKED IF THEY COULD SEND THE PACKET TO MY EMAIL ADDRESS, I WAS TOLD THAT THE PACKET COULD NOT BE EMAILED. I WAS TOLD AT THAT TIME THAT I COULD GO TO THEIR WEBSITE FOR THE LOAN MODIFICATION PACKET, I TRIED, I GOT TWO EMPLOYEES AT THE PUBLIC LIBRARY TO HELP TO NO AVAIL. TODAY IS SUNDAY XX/XX/XXXX, AND I AM STILL WAITING FOR THE LOAN MODIFICATION PACKET, TO ARRIVE IN THE MAIL. HOWEVER, BEFORE I FORGET I ASKED ONE OF THE AGENTS WITH PHH MORTGAGE ABOUT MY INTEREST IN REFINANCING WITH PHH MORTGAGE, I WAS TOLD BY THEIR OWN AGENT THAT THE HOUSE HAD TO BE FIXED FIRST. I EXPLAINED TO THE AGENT, THAT IF PHH MORTGAGE WOULD NOT REFINANCE, HOW WOULD THEY EXPECT ANOTHER LENDING COMPANY TO REFINANCE. I MUST ADD THAT I HAVE RISKED MU HEALTH STAYING IN THE HOUSE, BECAUSE IT HAS AFFECTED MY HEALTH, THIS WAS AND HAS BEEN ADDRESSED. I HAVE BEEN STAYING BUT I REFUSE TO LET MY CHILDREN BE SUBJECTED TO THE HEALTH CONCERNS. I AM ALSO STAYING TO PREVENT SQUATTERS FROM DWELLING IN THE HOUSE. I WAS TOLD THAT THE LOAN MODIFICATION PACKET HAD TO BE RETURNED WITHIN THIRTY DAYS. I SUBMITTED A CLAIM PRIOR TO THIS CLAIM, AND I DO NOT SEE ANY DIFFERENCE THAT IT HAS MADE. I WAS TOLD THAT IN THE PREVIOUS YEARS CONSUMER FINANCIAL PROTECTION BUREAU, WAS LIKE XXXX XXXX XXXX.
Product: Debt collection

The XXXX owns the all caps entity with the same name as me. I am XXXX XXXX, not XXXX XXXX. I am living entity of the all mighty and the all caps is a corpus entity. I rescind signature on a fraudulent contract with fortiva. All contracts in statute is written in malfeasance of office, surety is being claimed by the Actual creditor, the living man when it belongs to the dead, corpus entity solely. Forced or misleading information is grounds for immediate voidance of contract. You can't take my credit and offer it back as debit ( debt ) and charge me when it is my value that created the fed res debt notes. 

You are hereby challenged to present a true bill of XXXX and when you can't all must be eradicated. It is unlawful to sell debt as a non contractual party has NO standing in the said contract or the upholding of any actions written in it. Conditional acceptance for much more money is the next option and I will collect on the injuries and damages created by all corporations involved facilitating such non sense as acceptable, I mean every one.
Product: Credit reporting, credit repair services, or other personal consumer reports

experian and XXXX  are stating that the address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX belongs to me and they are falsely reporting this information to the credit bureau and anything tied with this address as well as XXXXXXXX XXXX XXXX  XXXX XXXX XXXX ga XXXX does not belong too me and should be remove from my credit report. below i have documents to prove my most updated information. 

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. 

account XXXX acount 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 consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Some of these items in regards to my Accounts on my credit report are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated and all late payment be listed as paid on time. Multiple accounts show on time payments by 2 bureaus then late by another bureau in the same month All monthly payments should be reported on time. This is not 100 % accurate AND NEEDS TO BE ADJUSTED. Also on each account Attached it has the in correct open dates on all accounts and Balance are all off and incorrect and status are incorrect bureaus are reporting paid then other bureauS reports late these need to be corrected. It is also against the law without consent to show payment transactions, utilization and payment history under U.S.C 6801-6805. ( OPT OUT ) PLEASE ADJUST ALL ACCOUNTS LISTED BELOW. Also please fix all personal information on my reports there should be 1 address listed XXXX XXXX XXXX all other addresses are non-mailable and need to be removed 1 telephone number- XXXX and 1 employer XXXX . Each time these companies have reported monthly without consent they are in violation. 

Accounts with in accurate information. ( Please update all payment history 's misleading information no payments should be late. Please correct all other misleading information account open dates, balances etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX charge off account 2 bureaus show no reporting the other needs to be removed. Inaccurate XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Paid In full not closed XXXX XXXX Paid not closed XXXX XXXX XXXX Letter from previous dispute with the bureaus and credit report attached.
Product: Debt collection

I had closed out my account with XXXX XXXX after paying in full and then moved. 6 months later I got a letter from credit management in XXXX, TX stating I owed {$260.00}. I called XXXX XXXX who stated that I did not in fact owe anything. Credit Management insisted I did and forced me to submit a dispute form which I now fear they wanted for identity information.
Product: Mortgage

Our mortgage was with XXXX until 2014, when we were informed that our loan had been sold to a different company, Seterus , Inc . This did not surprise me as our mortgage had been sold several times in the past. However, after an original " welcome packet '' from Seterus, we heard nothing from the new mortgage company. I was able to create an account and log in, and even view how much my monthly payment was and make a payment, but nothing more - no statements, bills, or other communications other than a XXXX form every year. Furthermore, they have never reported any of our ( timely ) payments to the credit agencies. ( XXXX always did. ) I did call Seterus repeatedly to request statements, and each time they apologized and send they would send them immediately ; however, they never did.
Product: Credit reporting or other personal consumer reports

All Student loans have been forgiven eff. XX/XX/year>. 3 Credit Bureaus reporting inaccurate information. Transunion still has the balance and XXXX. XXXX shows correct.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letter Wrong Personal Informations : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX NY XXXX.
Product: Mortgage

It has been 3 months and we have not received the payoff confirmation letter. We have called the company three separate times requesting the letter and each time we were told the letter is being sent again.
Product: Debt collection

collection agency McCarthy Burgess & Woolff XXXX XXXX XXXX XXXX XXXX XXXX they say I owe {$20000.00} Purchases and payments were made in Arizona please see attached documents
Product: Debt collection

I was notified by your company regarding an alleged unknown debt in the amount of {$210.00} from XXXX. I have reason to believe I do not owe this debt because I have never had an account with that store or because I believe you have me confused with a different person. 
I request all of the following information be provided to me by mail : 1. The amount of the alleged debt ; 2. The full name and mailing address of the original creditor for this alleged debt ; 3. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment ; 4. Documentation showing you are licensed to collect debts and also provide the original that bears authentic hand signature of agreement of the debt. 
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information. 
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Product: Credit card or prepaid card

My name is XXXX XXXX, I have the Bank of America Better Balance Reward card endingXXXX. I receive a letter from BOA stating that my card will be converted and if I continue to make qualified purchases from XX/XX/XXXX to XX/XX/XXXX, I will get {$20.00} statement credit. However, I do have a qualified purchase on XX/XX/2023, but until now I still not see the credit on my account. Please issue the {$20.00} credit to my account as advised. Thank you!