23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

in XX/XX/XXXX i was informed that his account number ending in XXXX, is being shown not paid in full, even though my {$760.00} payment was sent directly Synchrony via XXXX Overnight Mailed on XX/XX/XXXX. 
i was told by Synchrony Upon further review of my claim, that the claim and complaint were unfounded, and they say my payment was never received. 
I sent copy of the original check # XXXX ( from the bank showing paid out ), indicating that not only was the check received approximately a month after the fact on XX/XX/XXXX, but the amount was deposited into the WRONG account ( client name was handwritten on the check by them when they cashed it ) as indicated on the copy of the check, bank reported the check cleared on XX/XX/XXXX I requested that the funds be remitted to the correct account ending in XXXX ( my account ). Name of account that was credited was XXXX XXXX is not me therefore it is up to Synchrony to fix the issue to fix this issue. 
Last communication was XXXX XX/XX/XXXX through my lawyer demanding a response from Synchrony within 7 days or we would have no choice but to proceed further pending litigation and we have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to handle this matter with XXXX on several occasions. Please be informed that this matter is causing me financial hardship. Failure to provide an appropriate legal lawful response will result in further action. Failure to a response within 10 calendar days will constitute as your acceptance that this is not a valid debt. Please verify, validate that LEGALLY I am responsible for paying this alleged debt. A sample answer of " been verified '' doesnt constitute an appropriate lawful or legal response. PLEASE REMOVE THE FOLLOWING IMMEDIATELY XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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

Capital One : As of today is claiming that I owe them, The account stated that its a charge off which mean the creditors already received a tax break to this account so there shouldnt be a past due amount reporting to my credit file. Not only that the inaccuracy reporting to my credit file is hurting my credit file the reporting inaccurate balance, open and reported dates, This ground for removal. The account was a secured credit account which mean money was given to capital one to secure the opening account which was {$200.00}. They states I owe them but how if that possible when I never took money from capital one. Plus I was never notified attempt to collect debt they just flag my account. This account was close due to misleading charges and fees with this bank service. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a debt collection letter from AFNI dated XX/XX/XXXX, regarding an alleged debt they claimed was mine. I submitted an email directly on their website requesting validation of the debt on XX/XX/XXXX. I received a response from their company a couple of days later stating they will contact me in writing with the results. On XX/XX/XXXX I received an alert from XXXX stating an account was added to my credit report from AFNI. I have not received any correspondence from them by mail or email. But yet they reported this on my file. I check my mail on a regular basis as well as my emails. As well as my credit report. Theyre obviously not taking consumer request seriously. Im beyond livid at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is refusing to grant me a forbearance on my student loan, because TRANSUNION has a block/lock on my credit file. 

I have tried for over a month to have this removed and/or corrected, but each time I call TRANSUNION, I am told there is no block/lock on my credit file, only to call XXXX XXXX back and be told there is!
Product: Mortgage

I have used the paper payment coupon for my mortgage. 
I have indicated on the " additional Principal '' line the amount that should be applied. 
I have also indicated the XXXX XXXX XXXX payment amount and additional principal amount on the memo line of the check. 
Each check is for full XXXX XXXX XXXX plus extra Principal. {$1200.00} XXXX XXXX XXXX plus {$30.00} = {$1300.00} Prepayment of principal occurred XXXX XXXX XXXX Check XXXX XXXX, XXXX ( Check XXXX XXXX and XXXX XXXX XXXX Check XXXX XXXX. 
XXXX XXXX statement reflect the XXXX months of prepaid principal ( XXXX x XXXX = XXXX ), as unapplied partial payment, so instead of the required {$1200.00} XXXX XXXX XXXX  payment, it 's {$1100.00}. 
I would increase the prepay principal amount, if it was properly account for. 
Why are they not letting me prepay my mortgage monthly?
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block, Inc. ) for inadequate customer serv

ice and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act or practice under the CFPA.

Furthermore, Cash App 's dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution. requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company.

I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Product: Checking or savings account

I have notified citizens bank about unauthorized transactions ( fraud ) on my account for MONTHS now. They have refused to give me back my money they were to protect for me and I now have proof that my information/data was breached by XXXX XXXX XXXX wireless ( attached ). I need the unauthorized transactions removed and my funds returned to my account immediately. There is also a " miscellanous charge '' in the amount if {$190.00} on XX/XX/year> that is unauthorized and fraudulent as well. I need this corrected immediately. Thanks.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Experian has been reporting inaccurate information on my credit report that has negatively impacted my scores. I have submitted on numerous occasions supporting documentation to show the inaccurate information and have requested the removal of them to no avail. FCRA 605b section a states a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have furnished all supporting documents and they are still reporting the inaccurate information
Product: Debt collection

I originally received a debt notice a few months ago from diversified consultants regarding a XXXX debt. I then in writing sent them a letter disputing the charge and asked for a detailed breakdown of the XXXX internet charges. 

Then they mailed a letter to my work, which was opened by a mail room employee to see my collections. the letter was put on my desk. Attached to the letter was a copy of the XXXX bill which clearly listed my house address on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was not allowed to acquire my free credit report online from any of the 3 credit agencies through XXXX. 

Was not able to dispute items over the phone from any of the 3 credit reporting agencies. They kept shuffling us off to other  uninformed agents and we were hung up on continually. They have NO ACCOUNTABILITY.
Product: Credit card

In XXXX I signed up for a XXXX XXXX XXXX credit card from US Bank. I met the minimum spend but was not awarded the bonus points on a technicality that it was met on my Husbands Authorized users card. US Bank has a convoluted system where they have a central billing system, and the XXXX account and primary account are separate. Their terms do state that the sped must be met on the primary account holders account, but their system is so confusing that most people would believe that the primary account included authorized users, which it does not with them. They really confuse their customers with this system, and even though they received my business and my spend they refuse to award me the points that i deserve by meeting the minimum spend. I think it is unfair that they do not explicitly state these terms so that their customers understand their system, and their requirements to earn these points they offer to get new business accounts. It is an unfair practice that needs to be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT LISTED IS A FRAUDULENT ACCOUNT AND IT DOES NOT BELONG TO ME ALSO THERE ARE SEVERAL FRAUDULENT INQUIRES SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN AND FILL OUT FRAUDULENT ACCOUNTS I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other  possible violations of the law.
Product: Credit card

I paid the entire balance of the credit card by the due date of XX/XX/year>. The entire BALANCE! And they still charged me interest of {$100.00} after the fact and after the balance was XXXX. The Balance was paid in full and on time. There should be NO INTEREST. My total balance due that needed to be paid by XX/XX/year> was {$5200.00}. and {$5400.00} was actually paid! I paid MORE than the balance that was due by the due date. This is fraud charging customers interest on a balance that they completely paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into an unauthorized hard inquiry on my Equifax credit report. I discovered this inquiry while reviewing my credit report and believe it was conducted without my knowledge or consent. 
The details of the inquiry are as follows : Date of inquiry : XX/XX/XXXX Creditor/ Company namXXXX : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Creditor/ Company name : XXXX XXXX XXXX XXXX I did not authorize XXXX XXXX XXXX XXXX or any affiliated party to access my credit report, nor did I initiate any transaction, application, or business relationship with this company that would warrant a hard inquiry. According to the Fair Credit Reporting Act ( FCRA ), only inquiries authorized by the consumer are permissible. 
I have already contacted Equifax and XXXX XXXX XXXX XXXX regarding this issue and have not received a satisfactory resolution. Therefore, I am seeking your assistance in removing this unauthorized inquiry from my credit report. 
I request your prompt attention to this matter, as unauthorized inquiries can negatively impact my credit score and financial standing. Please let me know if you require any additional information or documentation to assist in your investigation. 
Thank you for your time and assistance. I look forward to your response.
Product: Payday loan, title loan, or personal loan

I received a line of credit from a online banking company for XXXX with a high XXXX of 32 % I was not aware of this fee until I was approved. My bank loan me XXXX with a monthly of XXXX. Yet this banking company used unfair trade practices to decive people of XXXX. I had a XXXX credit score. The payment on the loan is XXXX. Please help restore my credit and hold this company accountable for fraub
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the three credit reporting agencies XX/XX/XXXX with a letter from XXXX XXXX XXXX card letter dated XX/XX/XXXX requesting to add my phone number to the alert on my consumer credit report ( See attached ). I did receive a notice from all three credit reporting agencies and they sent letters stating that XXXX XXXX request has been completed. However, I called XXXX XXXX XX/XX/XXXX, and they are denying that request was done. I gave XXXX XXXX my current number to customer service agent, email to the Office of the President and letters my number is ( XXXX ) XXXX but every time I call the XXXX XXXX customer service agent they would deny that the three credit reporting agencies didn't add the phone number to the alert on my consumer credit report. 
I wrote to XXXX XXXXXXXX XXXX a certified letter XX/XX/XXXX to drop the cease and desist they claim I requested by their letter XX/XX/XXXX. 
XXXX XXXX is violating the Fair credit act and discriminating against me because I am under the protected class, they refuse to approve my application or communicate with me.
Product: Credit card

A charge was made to purchase concert tickets by my daughter on her cell phone using my credit card. The tickets were roughly {$440.00} a piece. We were purchasing two tickets. As the confirmation was done on my daughters phone, a disclosure of the fees charged from this company was not given. I didnt see the total price until I received a message from capital one asking if I made the charge. For the initial instant I replied Y and then immediately replied N realizing that the two ticks that should have cost {$880.00} plus reasonable fees was charging {$1100.00}. I called my capitol one credit card IMMEDIATELY to stop the purchase and this became an ongoing dispute. First they said I had to wait until the charge came out of the pending status. Capital One put a hold on the charge after it came out of pending. The day before the concert the company emailed the tickets to my email. The tickets you didnt want at that price to begin with. Then an hour before the concert the company took back the tickets because there was a hold on the charge. I had to repurchase tickets at the box office for another {$680.00}, However, Capital One is now upholding the charge for the tickets we never got.
Product: Checking or savings account

I made a cash deposit of 6 {$100.00} bills at the atm at the Truist Bank XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> at approximately XXXX & the machine took my money & froze. I called Truist & had a customer service agent on the line with me for at lease 45 minutes hoping it would free up but the machine attempted to restart & shut down again several times, it finally released my atm card but not my money nor did it credit me my money to my account. The bank did credit me my deposit & a few weeks later then took the money back stating that the machine balance did not match my deposit & deposited {$140.00} stating that the machine was only over by that much which is not true & if so what happened to the {$600.00} I put in. The branch manager tried to help & even stated that I faithfully deposit almost the exact amount EVERY Friday but got no where. I asked them to look at the video showing me depositing the money & then waiting while on the phone with customer service to prove myself & they said that they can only view the videos if court ordered. They did give me a number to call about the video but it isn't court ordered. I am not sure what happened to the rest of my money & no one is willing to try to figure it out.
Product: Debt collection

We purchased a Heat Press from online from a company out in California. The heat press that was sent never worked. We have countless emails between ourselves and the company and a full refund was supposed to be issued since they never sent out a replacement machine. This was removed from my credit once before and has now been added back.
Product: Checking or savings account

On XX/XX/XXXX, I came across an online advertisement for a Citi Checking account opening bonus. The promotion stated that transferring {$6000.00} into the account would qualify for a {$450.00} bonus. Attracted by the offer, I opened a Citi Checking account, which was promptly approved. On the same day, to meet the bonus requirements, I transferred {$2000.00} from my XXXX checking account and {$4000.00} from my XXXX savings account into the Citi account. 

In addition to meeting the bonus requirements, I aimed to use this account for daily transactions. To facilitate this, I activated XXXX on the account. That same evening, I had dinner with a friend, and after paying the bill, my friend reimbursed me {$26.00} via XXXX to my Citi account. 

On XX/XX/XXXX, I tested whether I could transfer funds between my XXXX XXXX accountsone linked to XXXX ( registered with my phone number ) and the other linked to Citi ( registered with my email address ). I successfully transferred {$200.00} from my XXXX account to my Citi account. Afterward, I waited for the bonus to be credited. 

Nearly XXXX weeks passed, but I did not receive the bonus. Frustrated, I decided to transfer the funds back to my XXXX account. I initiated, a {$5000.00} interbank transfer, which failed, followed by a {$500.00} transfer via XXXXwhich was successful. Shortly thereafter, Citi Bank flagged my account activity as fraudulent and abruptly closed my account on XX/XX/XXXX. At the time of closure, my account balance was {$6100.00}. Citi notified me via email that my remaining balance would be returned to me via check within approximately 30 days. 

However, I never received the check. Despite multiple attempts to contact Citi for clarification and resolution, I was met with unsatisfactory responses. On XX/XX/XXXX, I visited a Citi branch to inquire about my funds. To my shock, I discovered that my account balance had been withdrawn, and the branch staff refused to provide any information about where the money had gone. They also continued to deny my requests for the return of my funds. 

On XX/XX/XXXX, I escalated the issue to Citis Executive Team. In response, I received an email stating, it has been determined that no funds are deemed owed to you at this time and no funds may be released. on XXXX XXXX, XXXX. This response is absolutely unacceptable. All the funds in my Citi account were legitimate and belong to me. I am prepared to provide any evidence necessary to substantiate this. 

Citi has never provided a clear explanation as to why my account was closed or why they refuse to release my funds. This situation has caused me significant financial distress. As someone who has only been working for XXXX years and is living in New York, {$6000.00} is a substantial amount of money. I rely on these funds to cover my living expenses, and their withholding has placed me in an extremely difficult position. I simply ask to be treated fairly and to have my rightful funds returned. The statements related to all the fund in my accout are attached here.