23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I came across my old account number that was expired. I called to get a new replacement card. Upon calling I gave ALL of my information for identification purposes. When the customer service representative got back on the line he said I could no longer use net spend services due to a possible fraud hold. I asked what was the exact reason for the hold and asked who do I contact to figure out what the problem was and he couldnt tell me ANYTHING!! I asked how many cards were registered in my name and he said over 20 cards were registered in my name w my social security number. That is a problem that I want looked at. The cards that I registered have a balance on them and I want my funds available to me or a check mailed to me if Im not using there services.
Product: Credit card

XXXX XXXX I used search engine to find bank website for credit card. I entered first name initial in form as name exceeds character limit with given space ; last name and social security number. Before submitting application a green box with a white check mark displayed by all submissions. I pressed the black button submit and was prompted to call a number due from technical issues. I believe XXXX XXXX interrupted application process in attempt to put lower case letters before abbreviation. I called number and was given a website to check status where no applications match name and I submitted application to recieve technical issues from approval.
Product: Credit reporting or other personal consumer reports

To whom it may concern, RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. ( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow. I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( XXXX ) XXXX XXXX XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXXXXXX - XX/XX/XXXX - Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Hard Pull! Please refer to to Section 604 of the FCRA. I demand immediate DELETION from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX XXXX, the issuer of my XXXX XXXX, due to an error in processing my payment instructions, which has adversely affected my credit profile. 

When setting up a payment plan with XXXX XXXX, I explicitly requested that the first payment be debited from one specific account and all subsequent payments from a different account. This arrangement was confirmed by their representative. 

Despite this confirmation, XXXX XXXX debited payments from the incorrect account. This led to a missed payment when the unintended account lacked sufficient funds. 

As a result of this missed payment, my credit report now reflects a delinquency, negatively impacting my credit score. This error was solely due to XXXX XXXX ' mishandling of my payment instructions. 

I have contacted XXXX XXXX multiple times to rectify this issue, requesting : 1. Correction of their records to reflect the accurate payment instructions.

2. A formal letter acknowledging their error to provide to the credit bureaus for correction of my credit report. 

Despite these efforts, XXXX XXXX has not resolved the issue, and the negative mark remains on my credit report.
Product: Credit card

I am writing to formally submit a complaint against Synchrony Bank CareCredit Fraud Investigation Dept.. 

On XX/XX/XXXX, I faxed the requested documentation to Synchrony Bank as part of the fraud investigation into my account that was fraudulently charged out of country for an out state merchant as per fraud investigator # XXXX My faxed documentation included my police report, statement, federal trade commission report, credit report of fraud charge, I called and spoke with a fraud investigator # XXXX on XX/XX/XXXX, who informed me that they have the physical copy of my documentation in their back office. However, he mentioned that it has not yet been scanned into their system, which is causing unnecessary delays in resolving my issue. This lack of timely processing leads me to believe that Synchrony Bank is being deceptive in their handling of my case. 

I called the Fraud Dept today on XX/XX/XXXX to follow up on confirming my XX/XX/XXXX faxed document has been scanned in. Fraud investigator XXXX # XXXX states my faxed documents are not received/scanned/uploaded and deceptively claims they scan/upload card holders faxed documents upon 48 hours. 

Its been a week that has passed since I submitted my faxed documentation on XX/XX/XXXX and I have not received any acknowledgment or updates regarding the status of my submission confirmed as being received/scanned/uploaded yet. 

Today XX/XX/XXXX i fax Synchrony Bank Care Credit Fraud Dept my work place proof of attendance to show I was at work in NY on date of fraudulent charge made out of country. 
I also included fax of my XXXX  XXXX XXXX Credit Card Statement showing my NY gas station purchase to prove again that I was in NY during this out of country fraudulent credit card charge. I called the Fraud Investigator a few hours after I faxed and they will not confirm receipt of my fax document. I feel they are being deceptive, dragging there feet on my case, not being responsive to my inquiries, and not handling my case properly. 

I find it frustrating and concerning that such delays occur, especially when financial institutions are entrusted to handle sensitive information efficiently and transparently. I urge the Consumer Financial Protection Bureau to investigate this matter and hold Synchrony Bank accountable for their practices that seem to disregard consumer rights and timely communication. 

Thank you for your attention to this matter. I look forward to your response and any assistance you may provide in resolving this issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX, XXXX XXXX, and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported on my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


XXXX, XXXX XXXX, Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

In XXXX my I saw my Discover Credit card has unauthorized {$10000.00} transaction. 
Immediately I called Discover Credit company and tell about unauthorized transaction. 
But Discover charge that unauthorized transaction And denied. 
I report the police but Discover need more proof.
Product: Checking or savings account

My spouse and I have been customers of Bank of the West for several years, almost 20 years for myself, and 3 years for my spouse. After getting married recently we have tried to open an joint checking account with this bank. We have tried several times at the branch and after several phone calls, we have been denied without a specific reason. We were told that due to a merger, the process would be easier online and since the approval process goes through a different process, we shouldn't have an issue. We both tried opening accounts, but were promptly denied and asked to visit a branch. I called customer service and was told that they are unable to help with anything related to opening an account, and they refused to provide any contacts for a supervisor or anyone in their retail banking division. My spouse and I have excellent credit, have never issued a bad check, or even over drafted. This bank is denying us a joint checking account and not giving us a real reason why, even the employees that we've talked to don't understand why it's not being approved.
Product: Credit reporting or other personal consumer reports

XXXX store does not help if your identity gets stolen or misused. i asked for information on this fraudulent account that was opened in my name and they failed to provide me any info and did not take any action to resolve my issue now this is affecting my credit score for something i did not acquire. i would never get a XXXX card either way even if they offered it to me.
Product: Debt collection

I was informed by several credit bureaus that there were late payments made on several accounts that I was not aware I even had. Apparently XXXX XXXX XXXX is a collection company that XXXX XXXX uses on past due accounts yet was never given any information as to the placement of any accounts as required. Additionally, I had ONE account with XXXX not two, and never had any dealings with XXXX yet they were reporting false late payments against me with the credit bureaus ruining my credit. My debt with XXXX  has been PAID IN FULL and they will verify that this information is true and correct but I am unable to dispute this with the credit bureaus since I have disputed this with XXXX in the past. Since I don't owe XXXX or XXXX  I would like this negative and false information removed immediately as it is the only collections I have on my credit report and since I am a XXXX individual on very low income and the spouse of a XXXX veteran it is not easy to qualify for any loans and I am forced to sell my house and buy a single story for my spouses mobility issues and recent blindness for fear he will fall down the stairs again. I am attempting to make sure my credit reports are as up to date and accurate as possible. Thank you in advance for your assistance in helping me resolve this issue.
Product: Vehicle loan or lease

The company Capital One actually I am pretty certain and have been calling the correct authorities to confirm this, but I am very certain that they have broken the usury laws, and it has become a predatory lending issue. They are charging me 18 % and the XXXX in SC that I can find online, but still don't have XXXX solid sources of this, but the XXXX should be 16 % interest on a car loan. 

They have been charging me {$350.00} a month for a car that is not even worth that. I have bought the car used a year ago for over XXXX and now still owe about XXXX and after a year of payments and a XXXX blue book research of my car, it comes in at a price of {$4500.00} now. That's a massive difference between what they still wish to be paid, compared to what it is worth. 

They have started the repo process, but not totally sure they really know where I am. I would like to keep the car, but drop the interest down to something reasonable. I need these payments to be well under {$250.00} a month and I can make those payments and get caught up on the money that is behind, but rather, since they are pretty much caught breaking the law then they will be forced by court to pay back all the interest they acquired that was illegal, that can go towards my car payments. 

Furthermore, I am not trying to get anything free, just fair and legal. Even 16 % is way too high, and I didn't know this when purchasing the car, but now I am very aware of it and my rights and the law.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report on XX/XX/XXXX from all XXXX credit companies, XXXX, XXXX, Experian. and noticed there is collections and inquiries and accounts that DONT BELONG TO ME. they even had my personal information wrong. I am currently facing challenges in disputing XXXX  accounts that have inaccurately appeared on my credit report, negatively impacting my XXXX XXXX. Specifically, accounts attributed to entities like XXXX and others do not belong to me and are erroneous. These inaccuracies are significantly affecting my financial standing. As per the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report. Some accounts dont even show up with the full information on them. and some show on some companies and some don't. By law consumers reports must be XXXX XXXX accurate not XXXX XXXX or XXXX XXXX but XXXX XXXX. Some accounts show up as late that dont even belong to me and are impacting my XXXX XXXX. I called the collection agencies and requested a CONTRACT with my OWN signature to prove I AM LIABLE FOR THIS DEBT WITH THEM and they didn't provide XXXX and BY LAW I should get XXXX that shows I am LIABLE for this debt. 

ACCOUNT : XXXX XXXX NUMBER:XXXX ACCOUNT : XXXX XXXX XXXX NUMBER:XXXX  ACCOUNT : XXXX  NUMBER:XXXX ACCOUNT : XXXX NUMBERXXXX ACCOUNT : XXXX  XXXX NUMBER : XXXX INQUIRIES ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) XXXX ACCOUNT : XXXX XXXX XXXX NUMBER : XXXX ACCOUNT : XXXX XXXX XXXX NUMBER XXXX ACCOUNT : XXXX XXXX XXXX NUMBER XXXX
Product: Vehicle loan or lease

As part of the negotiation for my new lease, XXXX XXXX XXXX of XXXX sent me a check for the final payment on my old lease that I was to forward to Chrysler Capital. I diligently did this in XXXX however shortly after I started being hounded daily that there was a deficit on my account in that amount, which then began accruing late fees. At first everyone I spoke with at Chrysler Capital " saw the issue '' and was going to note to their manager and make a record in the system, but nothing was ever resolved. Eventually I escalated to " the executive office '' who after researching informed me that they did indeed have record of the check, but that they issued a refund to XXXX XXXX XXXX of XXXX without my knowing. However XXXX XXXX XXXX XXXX XXXX claims that they do not have record of this refund, only proof that Chrysler Capital did indeed deposit their check ( which they've shared with me ). They requested that Chrysler Capital share similar proof and/or a reference number to track the refund but Chrysler Capital claims they " don't share that information '' which is a red flag for me- how then is anyone to believe that they issued the refund? I've written letters disputing the amount and they just continue to have random representatives call me for payment. This has gone on for 3 years and I am now at the end of my lease. Needless to say I'm exhausted from arguing with them. As I've refused to pay anything over my usual lease amount each month, I've now accrued a total amount due of over $ XXXX ( My old lease payment of {$280.00}, so everything above that is " late fees '' ) which will need to be paid by XX/XX/XXXX to prevent it from affecting my credit. My choices now are to pay that amount or go through the trouble of hiring a lawyer. This feels like a classic scam as Chrysler Capital refuses to produce proof of the refund issued to the dealer, the dealer won't help without the check reference, and there seems to be nothing I can do to end this but pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and divulged all of my personally identifying information ( name, address, SSN, DoB, etc ... ) to a third party due to lax security practices and not keeping their software up to date ( it was reportedly a flaw in XXXX that had already been patched - XXXX XXXX XXXXXXXX ). The credit reporting bureaus MUST be a secure and steward of this information as they 're a clearinghouse for EVERYONE 'S PII.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1500.00} XXXX XXXX  XXXX Balance : {$690.00} XXXX XXXX Balance : {$9200.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2200.00} ( Original Creditor : XXXX ) XXXX Balance : {$410.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$580.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, The company forged my name on a home loan that was not made and falsely inserted a middle initial O.
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 an 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 air resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation e. These actions have caused significant inconvenience in financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Ditech Financial LLC has been attempting to collect a debt which has been assigned to my ex-husband upon our divorce. This is listed in our divorce decree ; and I have signed a quit claim deed to the property. I have provided them with all necessary documentation including the divorce documents indicating this debt was the responsibility of my ex-husband. In addition, Ditech was not the original lender and they have not provided information indicating they can even collect on this debt. To clear my name of this, they offered me a settlement of {$4300.00}. I provided all necessary documentation to the agency and agreed to the verbal contract to simply clear my name of the process, however they retracted the offer and asked for {$10000.00} as a settlement even after I provided them with financial information indicating I did not have {$10000.00} to pay them. They have continued to harass me by phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested that Equifax through the FCRA send me documents bearing my signature that lets me know that what they are reporting is accurate, THEY NEVER SENT this information that I requested, instead they continue to send letter avoiding my requests. I also requested through the FCRA that they send to me the method of verification that they used, my letter was plain and simple I as that they please supply me with the description of procedures they used in determining the accuracy and completeness of the information, the name of their employee who verified the information, and the name of the person you spoke to at the creditors location, their telephone number, address and the CONTRACT WITH MY SIGNATURE. 

Equifax refused to supply me my request and sent the attached response. I have sent over several letter to them requesting this information because THIS IS WITHIN MY RIGHTS AND IT IS IN ACCORDANCE WITH THE FCRA. 

I NOW WANT TO GO TO THE NEWS MEDIA TO SHOW ALL THE LETTERS AND COMPLAINTS THAT I HAVE SENT AND HAVE NOT RECEIVED ANY JUSTICE. 

THEY ARE IN CLEAR VIOLATION OF THE LAW AND MUST BE HELP ACCOUNTABLE FOR NOT ABIDING BY THE LAWS, AND AS A GOVERNING BODY THE CONSUMER FINANCE PROCTION AGENCY NEEDS TO HOLD THEM ACCOUNTABLE, THIS IS WHY YOU WERE ESTABILSHIED
Product: Credit card or prepaid card

I am being charged a lot more in interest than was agreed. Also that you are stating on my statements. I was told Ive been charged XXXX interest for XXXX  months on a XXXX purchase. And basically every other purchase had the same discrepancy. Even thought Ive been making XXXX payments every month. 
XXXX XXXX  should be XXXX initially, and then drop from there as my balance decreases. In fact using a credit card interest calculator, my total interest I would have had to have paid should be XXXX! Total! But they are telling me XXXX being charged XXXX in interest and still growing!!! 
This is only XXXX of my purchases, and they are all similarly being exorbitantly over charged!