23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Because i got an email REPLY today from Synchrony Bank saying that this address ( XXXX ) OFFICE OF THE XXXX  ( Corporate Consumer Relations ) DOES NOT MONITOR EMAILS even-though XXXX XXXX XXXX XXXX XXXX ) emailed me on XXXX and I REPLIED HIM XXXX  RECORDS, i'm hereby via CFPB sending all the emails i have sent to that Office of The XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forwarded message XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Date XXXX XXXX, XXXX XX/XX/XXXX at XXXX Subject : XXXX : CFPB XXXX To : XXXX XXXX XXXX XXXX. XXXX XXXXOffice of the XXXX XXXX XXXX Where's the LIST ( breakdown ) showing the services provided so i can pay for those specific services?? 


XXXX XXXX XXXX XXXX XXXX  Forwarded message XXXX XXXX XXXX XXXX XXXX From : XXXXXXXX XXXX XXXX Date : Fri, XXXX XX/XX/XXXX, XXXX Subject : CFPB XXXX To : XXXXOffice of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX . You can scroll through this and confirm that XXXX XXXX has never responded to any of my emails, not even one, since XXXX. 

The scheduled CEMENTING of the crown was never done. 
Synchrony Bank and XXXX XXXX. OWES ME at-least half the balance. 

Please LIST what services were provided. 

I didn't order for porcelain to be mixed into the material on XXXX. 


XXXX XXXX XXXX XXXX XXXX  Forwarded message XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : XXXX : No Porcelain To : XXXX XXXX XXXX XXXX XXXX  Please i need my refund to my CareCredit because I DID NOT PAY FOR A MATERIAL CONTAINING PORCELAIN which makes it vulnerable to cracking. 

You're not disputing the fact that on XXXX i spoke with XXXX XXXX and EMAILED about doing the material without porcelain which you INSISTED MUST BE DONE WITH PORCELAIN. 

Please can you process my refund {$1200.00} and email me the document. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Thu, XXXX XX/XX/XXXX, XXXX Subject : XXXX : No Porcelain To : XXXX XXXX XXXX XXXX. XXXX Please CANCEL my appointment and issue my refund. 
I don't need LAVA crown. 

Another dentist will do my XXXX without porcelain. 


XXXX XXXX XXXX XXXX XXXX Forwarded message XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXX  at XXXX Subject : XXXX : No Porcelain To : XXXX XXXX XXXX XXXX. XXXX Please, let me know if we can proceed with this : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Forwarded message XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX Date : XXXX, XXXX XX/XX/XXXX at XXXX Subject : Fwd : No XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX I found two dentists than can do my XXXX without porcelain layer on it. 


XXXX XXXX XXXX XXXX XXXX Forwarded message XXXX XXXX XXXX XXXX XXXX  From : XXXX XXXX XXXX Date : Thu, XXXX XX/XX/XXXX, XXXX Subject : No Porcelain To : XXXX XXXX XXXX XXXX. XXXX Please let 's do my XXXX crown without porcelain on it. 

I need something SIMPLE with less issues to worry about. 

XXXX XXXX XXXX doesn't need much aesthetics. I simply need to take care of my gums and hygiene. 

I didn't know that there are different types of crown-material which i'm just reading about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

I demand the following accounts be verified or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Synchrony Bank is attempting to collect an alleged debt that is unvalidated pursuant to 15 USC 1692g. I have sent a debt validation letter request all the necessary information for me to adequately validate my obligation to the alleged debt pursuant to 15 USC 1692g ( a ) ( 1 ), 15 USC 1692g ( a ) ( 2 ) and 15 USC 1692 ( b ), I require the name and address of the original creditor to whom the debt is owed as pursuant to 15 USC 1692j it can be seen as fraudulent and deceptive to make a consumer believe that person other than the original creditor is participating in the collection of or attempting to collect a debt such consumer allegedly owes. 
I require all information in the aforementioned Federally enacted laws so that I may validate my obligation to the alleged debt. Until then I request that Synchrony Bank remove my personal information from any and all credit reporting agencies and public records as it can be seen as fraudulent information being unvalidated and may cause grievous harm to my public reputation pursuant to 15 USC 1692 ( e ) ( 8 ).
Product: Checking or savings account

I did not get my direct deposit from Capital One that was due to arrive on my checking account on Thursday, XX/XX/XXXX. Called Capital One customer service but was waiting for XXXX full hour and no answer. Recieved a email Thursday night saying my hard earned money will be deposited to my bank account Friday morning XX/XX/year> but no money deposited until Saturday morning. Turned to their social media accounts but no concrete reason for the delay and issue.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I discovered multiple unauthorized inquiries and inaccurate collection accounts on my credit report. These entries were made without my knowledge or consent, and they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) and 15 U.S.C. 1681s-2. XXXX XXXX XXXX Unauthorized Inquiries : Under 15 U.S.C. 1681b ( c ), a consumer reporting agency may only furnish a consumer report with the explicit authorization of the consumer. The follorwing inquiries were made without my authorization : Unauthorized Inquiries : 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 Legal Basis for My Request TThese inquiries were unauthorized and are negatively affecting my credit score. I have contacted the companies responsible, and they have no record of any authorization from me. This violates the FCRA, and I am requesting immediate removal of these inquiries from my credit report. Collection Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  - Account Number : XXXX XXXX - Account Number : XXXX XXXX Account Number : XXXX XXXX Despite providing all the necessary documentation and complying with the required procedures, the credit reporting agencies have failed to remove the fraudulent items within the legal time frame. These errors have negatively impacted my credit score and have created undue hardship for me. I am seeking your assistance to ensure that these fraudulent items are permanently removed from my credit report and that the credit reporting agencies comply with the obligations set forth by the Fair Credit Reporting Act ( FCRA ). This description provides the CFPB with the details they need to address your dispute. Make sure to adjust the placeholder fields like dates and amounts to match your specific situation. Let me know if you need further modifications!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

XXXX XXXX XXXX inquiry XX/XX/2020 XXXX  XXXX XXXX inquiry XX/XX/2020 GLOBAL LENDING SERVI inquiries XX/XX/2020 and XX/XX/2020
Product: Debt collection

Vanderbilt Mortgage is destroying my life. I am a XXXX, XXXX of XXXX children and a devoted wife. In 2021 Vanderbilt Mortgage through XXXX homes did not follow protocol by inspecting the home and land padding that I purchased from them. In result of this the state of Alabama inspector stated that the home was dangerous and I could potentially be killed because the home was set up incorrectly. I was devastated! I contacted them numerous of times, mailed letters etc and they failed to help so I gave the home back. Vanderbilt Mortgage promised that nothing negative would be placed on my credit but they lied to me. A few months after the took the home back and sold the home, Vanderbilt placed damaging information on my credit report although this was their error. Please help me and have them remove this false information from my credit report. They had a agent call me and threatened me on several occasions to pay {$20000.00} to them after they sold the home. I never lived in the home at all, the home was new. They set it up wrong and the home was damaged and shifting. Me and my family could have been killed because of their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNDER 15 USC 1681 CONGRESSIONAL FINDINGS ( a ) and fairness and accuracy of information has been violated because ive sent a letter clearly showing the errors and inaccuracies
Product: Debt collection

XXXX XXXX XXXX  as of XX/XX/2022 : {$650.00} Debt does not belong to me, and AmSher Collections Services needs to stop with the harassing phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reported that the personal information of over 100 million consumers was compromised in XX/XX/XXXX and was not discovered untilXX/XX/XXXX. They did not release this information until XX/XX/XXXX - more than 6 weeks after the incident was discovered. This left millions of consumers unaware that their sensitive information was compromised by hostile parties. Equifax is offering one year of free credit monitoring and repair service through XXXX, but with one serious and abhorrent exception. After going to Equifax to enroll in XXXX, consumers must wait until XX/XX/XXXX before returning to the website and continuing their enrollment. In addition, Equifax will not send any notification when this is available. Instead the responsibility is shifted to the consumer. I hope this is n't a strategic decision by Equifax in hopes that they can protect their bottom line by betting on consumers not returning on their enrollment date. That would be borderline predatory. If Equifax had 6 weeks to prepare a response, why has n't this free service been worked out? In the words of CEO XXXX XXXX, " Equifax will not be defined by this incident ... but rather how we respond. ''
Product: Checking or savings account

Citi advertised an offer to open a new savings account and received a {$450.00} bonus for depositing {$50000.00} in new funds. I opened an account using the advertised link on XX/XX/XXXX, deposited {$50000.00}, and waited for the amount of time specified in the promotion terms. My account should have been credited the {$450.00} bonus in XX/XX/XXXX, but was not. 

I called Citi support and the representative agreed that I had met the terms of the agreement, and should have received the bonus. They opened a case for me and said that the {$450.00} bonus would be credited to my account within 5 days ( Citi ref number XXXX ). That was more than 2 weeks ago, and I have not heard from Citi nor have I received the promotional bonus. 

Timeline Account opened : XX/XX/XXXX ( acct number : XXXX ) Account balance on XX/XX/XXXX ( XXXX day after opening ) : {$50000.00} Account balance on XX/XX/XXXX ( 60 days later ) : {$50000.00} Account balance today, XX/XX/XXXX : {$50000.00} These actions met all terms of the promotion, and should have resulted in a {$450.00} bonus credited to my account within 30 days - by XX/XX/XXXX. This has not happened, and I have contacted Citi to resolve this issue without success ( Citi ref number XXXX ). 

Below is a copy of the email I received confirming my enrollment in the offer, and a copy of all offer terms : https : XXXX? XXXX https : XXXX
Product: Credit card or prepaid card

I am writing today to complain of the poor service I received XXXX XXXX  and the payroll manufactures on XX/XX/XXXX - XX/XX/2022. I was given a paycard to receive my money from working at the XXXX XXXX  on XXXX in XXXX Ohio. This card was blocked and my employees told me to call the manufacturers to get my card unblocked. I worked for them before, but theyre saying I worked for them under my mothers maiden name, which I dont recall doing. I called the manufacturers and was told to upload a picture of my state ID, my ssn, and upload my reference number in the description box. A week went by and in the meantime I kept calling and they kept telling me to wait. I called my employers and they said to email the payroll company with a request for mom to change my name on the card. I sent the email and then they told me to keep calling the manufacturers which I have been doing up to this point. While speaking to the supervisors, theyve been telling me to do different thing like upload the reference number in the description to uploading a picture of the reference number on a piece of paper. Today a supervisor explained for the first time after 3 weeks that now I need to upload my birth certificate or marriage or divorce papers which I dont have. All the while, after previously uploading the documents theyve told me that Ive uploaded the proper documents and that the matter will be resolved and it still isnt resolved. This is the reason why Im complaining. I have screenshots and time stamps of the emails and the last time I uploaded the documents eight days ago.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX  has again reported incorrect amounts for my Secure card to TransUnisUnion. This reporting happened again on XX/XX/XXXX. This makes 4 in XX/XX/XXXX amounts I don't owe changed on my report. TransUnion states on report that the amount showing affects my score. 
So now my score has dropped XXXX points. 
I have never deposited {$1900.00} on my Secure card. 
I now as of today have a balance showing owed of {$2200.00} which is incorrect. 
I don't owe XXXX anything this is a Secure Card.

XXXX is not trying to fix their errors. They are refusing to send Secure card statements to me. 
I deposit the same amount every month to my secure credit card. 
This is against FCRA Law. 
Thanks for your help.
Product: Debt collection

During the pandemic when millions of us lost our jobs in XX/XX/XXXX, I was one of those people. Due to the amount of money finally disbursed, it was not enough to catch up on debts owed. During this time frame, ALL of my creditor except Synchrony Bank ( PEP BOYS ), assisted me in paying all of my debts. Synchrony stopped communicating with me in XXXX of XXXX. I have attempted on several occasions to contact and pay my balance. Synchrony locked my account rather than assisting me with resolving my balance owed. As of XX/XX/XXXX I was served a warrant of Debt by Synchrony through their collection firm XXXX XXXX XXXX and a court date of XX/XX/XXXX suing me after I have made repeated attempts to contact Synchrony and settle the matter. We were in the middle of a pandemic and shutdown by the State government. I am ready and able to resolve the matter with Synchrony, through Synchrony. I have paid off ALL of my other debts due to the pandemic, why would I not do so with one final creditor?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX are incorrectly reporting me as an Authorized User on the FNB OMAHA Credit Card partial account number XXXX. ( Please see page 7 of the attached credit report. ) I called FNB Omaha and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple complaints to Experian with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. I am requesting again all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX Inquiry date XX/XX/202 XXXX XXXX  XXXX date XX/XX/XXXX XXXX
Product: Debt collection

For the past year, my collections account has been increased by {$1.00} each month without any prior agreement regarding interest or additional charges. This account pertains to an unpaid car insurance debt from a pay-per-mile service. The insurance company claims I was charged for extra miles due to not submitting the correct odometer photo. Despite numerous calls, they always promise to send a letter explaining the charges, but I have yet to receive any correspondence. They can't explain the monthly {$1.00} increase either.
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, 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 oXXXX XXXX XXXX of Debt XXXX and would like for all listed accounts to be blocked and deleted company Experian. 

XXXX XXXX  {$730.00} XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX  {$7200.00} XXXX XXXX XXXX XXXX {$730.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This unknown Retail Credit Card company named XXXX Synchrony Bank with a balance of {$1500.00} has been reported on my Credit report with XXXX and XXXX. Opened XX/XX/2019.
Product: Checking or savings account

I am writing to express my ongoing concern and dissatisfaction regarding an unresolved issue with my account, which has been closed for over three months now. During this period, I have been unable to access an {$850000.00} check, a situation that has caused significant inconvenience and stress. Despite my repeated attempts to resolve this matter I have contacted Chases anti-fraud department over 10 times, enduring lengthy waiting periods each time the issue remains unresolved. I have diligently provided all the necessary information requested by your team, yet there seems to be no progress in addressing my problem. I would like to emphasize that almost all the cashier check deposits were made by remitters who are also Chase members, with the exception of one remitter, XXXX XXXX. Given this fact, I believe it should not be a challenging task for Chase employees to verify and look up their information. Furthermore, these checks were deposited in person at one of your Chase branches, which should simplify the verification process. If there is still difficulty in retrieving or verifying the required information, I am more than willing to provide it again. However, I must stress the urgency and seriousness of this matter. The phrase " sorry for the inconvenience '' does not seem to adequately acknowledge the severity of the situation or the impact it has had on me. I look forward to a prompt and effective resolution to this issue. Your immediate attention to this matter would be greatly appreciated. transactions : XXXX XXXX XXXX {$140000.00} XXXX XXXX {$60000.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$110000.00} XXXX XXXX {$120000.00} XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX {$130000.00} XXXX XXXX {$20000.00} XXXX XXXX XXXX {$100000.00} XXXX XXXX {$90000.00} XXXX XXXX {$10000.00} Remitter 's information : XXXX XXXX : Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number:XXXX  Passport Number : XXXX XXXX XXXX  : Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX. Phone Number : XXXX Passport Number : XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX ID : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX DOB : XX/XX/XXXX XXXX XXXX Account numberXXXX Bank address : XXXX XXXX XXXX XXXX NY XXXX Phone NumberXXXX Passport Number : XXXX
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam at CFPB, I would like to file a complaint against PayPal, which has accused me of violating their financial policies, even though I am simply a seller of virtual goods from games and cryptocurrency. Due to this accusation, PayPal has confiscated my funds from two separate email accounts. The amounts taken were {$1200.00} from the email address XXXX and {$1200.00} from XXXX. I humbly request that you, in your esteemed authority, help provide justice for me and my family, so that PayPal will return my total amount of {$2400.00} to my XXXX  account with the email address XXXX. I am deeply grateful for your assistance. 

Thank you very much. 

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

Incorrect information on my credit report Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife applied for a loan estimate on my behalf at FBC Mortgage , LLC. They demanded additional documentation ( pay stubs, XXXX, tax returns, drivers license, bank statements, college diploma, educational transcripts ). She provided all documentation, and finally 2 weeks later, they sent an unofficial estimate ( " Pre-Application Worksheet '' ) that states : " Your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan. '' Also, the document had an incorrect purchase price and loan amount, and the property address zip code was about XXXX miles off.