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

On XXXX XXXX, 2022, I accidentally scheduled an online payment in the amount of {$2700.00} to be applied to my account, which brought the balance to {$0.00}. On XXXX XXXX, 2022, I contacted the company and requested a refund, as I had only intended to make a {$200.00} payment, and this had negatively impacted my bank account. On that date, a payment refund request was submitted for the difference of the intended payment amount totaling {$2500.00}. On XXXX XXXX, 2022, the payment refund request was honored, and a refund check was mailed to me in the amount of {$2500.00}. 

In the meantime, on XXXX XXXX, 2022, my credit limit was decreased from {$4400.00} to {$100.00}. I am told by Synchrony Bank that they sent a letter notifying me of this decision on XXXX XXXX, 2022. I did not receive that letter, until they sent me a digital copy in XXXX of 2022, upon my request. Synchrony Bank has indicated they based their decision to reduce my credit limit to {$100.00} on " an overview of your account and your credit file. '' They noted this is not the result of my asking for a refund, but rather a coincidence of unfortunate timing. They also note I have a satisfactory payment history with them. This decision resulted in my credit account with them showing- {$2400.00}, and the balance has since showed significantly negative, until paid off. 

This negatively affected my credit score. I submitted a direct complaint to the company and requested either that they restore my credit limit or offer a solution that would not negatively impact my credit score. They declined. I submitted complaints through the XXXX, and they have refused to resolve the problem as they stand by their original decision. I maintain it is unfair and unequitable to reduce my credit to {$100.00} AFTER I requested a refund, and subsequently, two days later, send me a check for well over that amount to honor my refund request.
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 these violations. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX , NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any involvement of any third party involved. My personal identifying information has been improperly used to furnish fraudulent information on my consumer report that requires my written consent, which wasnt giving to EQUIFAX, XXXX nor XXXX which is aggravated identity theft. Fraudulent Accounts : XXXX XXXX XXXX XXXX : {$510.00} 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  Fraudulent. After reviewing my credit report I noticed that several fraudulent accounts, inquiries and a address are on my consumer report. The credit reporting agencies policy doesn't supersede federal law. The law says, in case of identity theft a consumer must provide a : 1. FTC Identity Theft Report # XXXX XXXX. Identification 3. Confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. 15 USC 1681C-2 ( A ). 
Equifax and XXXX as financial institutions have not given I ( XXXX XXXX ) the opportunity to opt out the disclosure of said nonpublic information and I wasnt given any directions on how to exercise my right to opt out of said disclosure of nonpublic information in accordance with 15 U.S. Code 6802 ( b ) ( a ) ( A ) ( B ) ( C ). Pursuant to 15 USC 6823 ( a ) whoever violates 15 U.S. Code 6821 such as a false, fictitious, or fraudulent statement or representation to a customer of a financial institution will be held liable under 15 U.S. Code 6823 ( a ) to fines under Title 18 USC 3751 with fines up to {$500000.00} for a felony by an organization or imprisoned for 5 years or both. Having the above mentioned information, XXXX and Equifax are both together and separately violating my federally protected consumer and privacy rights. In addition to those violations, you are also committing fraud since you claim to have verified these accounts. I am hereby demanding this entry be permanently removed from my consumer file within 5 days from the day you RECEIVE this letter. 
Im also exercising my right to opt out and suppress my information from being disclosed in XXXX and Equifax products. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and my states Attorney General and initiate legal action against Equifax for violations of the FCRA and pursuant to FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) I'm requesting the following : 1.Who in your company verified these accounts? 2.How did the person in your company verify these accounts? 3. Once again Please provide me with the name of the individual, the business address, and the telephone number of the person or business that was contacted during your re-investigation? Please note that making any false, fictitious, or fraudulent statement or representation to a customer of a financial institution such as reporting inaccurate information is a direct violation of 15 U.S. Code 6821 ( a ) ( 2 ) of the Gramm-Leach Bliley Act
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy. 
I did not give consent to these accounts. 

I have remained humbled despite the stress, abuse, and harm thee XXXX credit reporting agencies have done to me. 


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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX , TX XXXX To whom it may concern, I have viewed a copy of my most recent consumer report and have found accounts reporting in error. 
LIST OF ACCOUNTS WITH LATE PAYMENTS : XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX  XXXX account # XXXX As a credit reporting agency you have assumed a vital role and are obligated to report the most accurate and up to date information. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
Please re-investigate and send me proof that these accounts are in fact late. If you can not provide me proof that the payment on these/this accounts/account were late then according to the FCRA these late payments must be updated to paid as agreed I am aware that you have 30 days to complete your investigation. Please send me an updated copy of my consumer report reflecting the changes made. 
Thank you for your attention in this matter, XXXX XXXX XXXX Without prejudice, All Natural Rights Reserved
Product: Credit reporting or other personal consumer reports

I recently checked a copy of my credit report and I'm horried and shocked that I'm a victim of identity theft. I found many accounts and hard inquiries on my credit report that were not open by me. This is hurting me very much because I'm in the important process of getting a house for my growing family size, my ancee, and my daughter. This is also hurting me also to get my daughter a car for school and work. Please remove and delete the fraudulent accounts and hard inquiries from my credit report as soon as possible. 
( Hard Inquiries are listed below. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX put a collection - XX/XX/2019 Amount {$1400.00} I do not owe this debt nor know what it is. I called XXXX and they said they bought it from another collection agency whom I and removed the collection because the account was not mine. 

Many collection agencies once they lose remove bureaus will sell to a new collection agency even if trying to collect unlawfully. The new agency then puts a collection on consumer regardless what result was. They pass it on to eachother. 

This happened to me once on a XXXX XXXX {$100.00} collection that was my family members. It started w/XXXX then 3 diff collection agencies took it over even after I wont the dispute
Product: Credit reporting, credit repair services, or other personal consumer reports

15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all consumer reports
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1300.00}
Product: Debt collection

I have reviewed a copy of my credit report and seen there were some inaccurate and fraudulent accounts that are not mines and will need them to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Accounts : CAPITAL ONE # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, CHAPTER XXXX BANKRUPTCY- DISCHARGED REFERENCE # XXXX, CHAPTER XXXX BANKRUPTCY -DISMISSED REFERENCE # XXXX. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX. XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2007 XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Credit card or prepaid card

I received a incoming call from what came up as my bank WELS FARGO I was asked a few basic questions to verify my identity name birth date and last 4 digits of social I proceeded with the call the caller ask if I was a were of my card being used at different locations I said NO I have not used my card I opened up my banking app to review the charges the call disconnected I than received a notification from XXXX stating I authorize a XXXX dollar XXXX payment that I Never authorized I never use XXXX ever over my years with them since a XXXX XXXX grade student 9 years ago the call last about 20 mins immediately called my bank back and spoke with a representative that stated no one recently called me I was on the phone with the bank for 1 hr explain tht I had not authorized any XXXX nor did I ever set up a XXXX account authorized transfer or to receive money that way The bank closed my account stating I owe them the money the card with them I always paid on time never no issues I ask them to investigate this issues but in stead they said I owe causing my credit report to be damaged while Im in the process of buying a new home I worked hard on my credit and saving account with this bank and I demand an investigation
Product: Student loan

The HARASS me everyday for money!!! I can not make the minumum payments, and they REFUSE to take anything lower. Its all or nothing with these clowns!!! I was lied too when i went to school, and have been THREATENED multiple times by these cowards via the phone. I HATE THEM! 

They will take your last penny and make sure you have no food to eat, and think everyone has a money tree in their yard! WOW, what a horrible company to work for. I would rather be homeless than work for these cowardly money sucking low lifes. 

I would have never went to college if I would have known this XXXX would happen, hows that make you feel!?!? 

They just refuse to help, refuse to let you pay back your loan based on what you make. They are no help, theyre horrible humans on the phone, and I wish nothing but the worst for them. 

You want {$800.00} a month and I make about {$17.00} grand a year and live at home ... cant even afford to move out because of you XXXX! 

XXXX XXXX XXXX
Product: Mortgage

I have submitted a loss mitigation package to Select Portfolio Servicing, Inc., numerous times and I believe they don't even take the time to review my full package. I have many attempts to advised them that my income has changed as I am renting part of the house so I can have enough income to make monthly mortgage payments. I always get the same response that the loan does not qualify for any type of retention options ; I do not get anything in writing explaining the specific reasons for the denials. I do not want to lose my house.
Product: Credit reporting or other personal consumer reports

I am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. 
I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THE ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, TRANSUNION, AND XXXX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. Below is the inaccurate information on my report. PLEASE REMOVE THEM IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXX/XX/XXXX
Product: Mortgage

This concerns our reverse mortgage and its sale to another company. We had a mortgage with XXXX XXXX. In XXXX of XXXX we were victims of XXXX storm in Texas. Our insurance payment was held by XXXX and distributed to us in increments based on progress of repairs to our home. We had inspection on XX/XX/XXXX but never received our payment. Upon questioning we were told it was in process. Then we receive letter stating our mortgage was sold to XXXX Mortgage as of XX/XX/XXXX. XXXX wont talk to us saying they have no records until all records are transferred. We ask for supervisor but told one would call in XXXX hours. Nothing! We have been told this process this could take 30 days which is nonsense. These records are digital. I am also sure we will get continued run around for another inspection and an additional time to process check! In the meantime we need to pay our contractor and his subs. This will reflect on our credit reputation, liens and possibly no place to live if our house is unfinished and our apartment lease is up. The remaining insurance pay out is over {$44000.00}. Please advise us of any assistance you can provide
Product: Checking or savings account

Summary : I attempted to use Chase 's online Bill Pay program to pay a bill of {$5000.00} via paper check sent US Mail on XX/XX/XXXX. Chase removed the funds from my account, but did NOT produce or send a check to the recipient and has failed to offer any remedy or support after 6 phones calls and 1 in person visit. I have yet to retrieve my {$5000.00}. 

On XX/XX/XXXX : I used Chase Online to submit a request to send {$5000.00} on XX/XX/XXXX to a Payee via Chase 's online Bill Pay program via Paper Check mailed US Mail ( I've used this service many times previously ). Estimated paper check delivery was XX/XX/XXXX On XX/XX/XXXX : {$5000.00} was deducted from my checking account for transaction type Bill Payment On XX/XX/XXXX : XXXX notified me that payment was never received. I asked them to double check On XX/XX/XXXX : XXXX confirmed that payment was never received On XX/XX/XXXX : I called Chase online support twice - once on for 30 mins and one call for 48 mins largely on hold. One call was disconnected and one they said it was an electronic payment which I disputed since the request was for a physical check. The call was disconnected. 
On XX/XX/XXXX : I called Chase and was on hold for 1 hour and 23 minutes after which I hung up. I did my own research on my online account and found that the proof of payment for a payment I made via the same method ( Bill Pay paper check via mail ) on XX/XX/XXXX has a copy of the physical check as does every payment I've made this way before. However, the proof of payment for the XX/XX/XXXX payment has no evidence that a check was produced. It only says that the payee account number was my full name in all caps. I made an appointment to sit with a banker at my local Chase branch to show them this evidence and was only told that " probably the check wasn't mailed '' - also he was unable to log into my account because of '' technical issues ''. He advised I call the online support as I had done previously. I did so again and was on hold for 40 minutes before being transferred, placed on hold and then somehow disconnected. I called back immediately and demanded a supervisor. I was on hold again for 28 minutes before speaking with someone who told me this issue has been coming up for other customers and filed a " research case '' on my behalf and told me that I would hear from Chase within two business days via phone call On XX/XX/XXXX : Three business days after the last contact I called Chase support again to inquire on my open case. I was placed on hold for 1 hour and 21 minutes before receiving an automated message that " due to extenuating circumstances chase is unable to take your call '' and was disconnected. 

I have yet to receive any of my {$5000.00} back or an explanation on why this happened or an estimate on when I might get my money back. Additionally no one at Chase has been able to support me.
Product: Debt collection

I have a a unverified account from PLAZA SERVICES #  XXXX . I had previously disputed this account. I have never done business with PLAZA SERVICES. Pursuant to the Fair Debt Collection Practices Act ( FDCPA  ) 15 U.S.C.1692g,  I dispute the validity of the debt purport I owe. I request that PLAZA SERVICES Provide verification of the followin  g : 1. ) The original Application or contract or produce my signature on the original contract.
2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) A  n itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that PLAZA SERVICES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Finance reported XXXX XXXX  loan # XXXX as 30-59 days past due to Transunion, XXXX XXXX and XXXX in XXXX and XX/XX/XXXX. This loan was CURRENT and never past Due. It has payments received on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and is CURRENT. This dropped my credit score across all 3 credit bureaus XXXX points and caused me to be denied housing as a result if my credit tier rating dropping. Resulting in irreparable harm.This is a blatant UDAAP violation. This is the second loan that XXXX XXXX XXXX XXXX dba XXXX XXXX XXXX has fraudulently reported past due that was in fact current. I am filing investigation requests at the Texas State Attorney General office. They decimated my credit score last year in XXXX with the same Deceptive practice on previous loan.