23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, an unauthorized in-store purchase of approximately {$1900.00} was made using my XXXX ( Synchrony Bank ) credit card at a XXXX store XXXX. I discovered this fraud after receiving a letter from Synchrony Bank about an unauthorized credit line increase request that I did not make. My physical card has been in my possession and unused for years, indicating a serious security breach. 

Timeline of Events : - XX/XX/XXXX : Unauthorized {$1900.00} purchase made at XXXX store - XX/XX/XXXX : Received letter from Synchrony about unauthorized credit line increase request Attempts to Resolve : XXXX. Contacted Synchrony Bank 's fraud department multiple times, spoke with numerous overseas customer service reps who barely understood me. 
XXXX. Submitted fraud complaint to fraud department, I was told there would be a follow up but I never heard back. 
XXXX. Bank never provided me with a reference number regarding my case. 

Documents Available : - Synchrony Bank letter regarding unauthorized credit line increase - Screenshot of fraudulent charges made on the card Desired Outcome : I want Synchrony Bank to : XXXX. Remove the fraudulent charges immediately XXXX. Provide detail on how my personal information was compromised XXXX. Implement proper security measures to prevent future unauthorized charges XXXX. Provide written confirmation of all actions taken This situation has caused significant distress and required substantial time to address. The combination of fraudulent charges and an unauthorized credit line increase request suggests serious identity theft concerns that Synchrony Bank has failed to address appropriately.
Product: Credit card or prepaid card

My son purchased XXXX Vanilla Visa prepaid cards for {$25.00} each, XXXX for me and XXXX for my wife.. wifes card wont work in stores tried XXXX times, the other card the company says it was charged by XXXX XXXX and now has a balance of XXXX. Called the company waited XXXX hour the first time for them to answer, they did nothing said call back in XXXX days. called again yesterday waited XXXX minutes, they will not replace the cards. Ive tried their website number of times and logged in too and says cards are nonexistent or error it says, XXXX day my card had a XXXX balance the next XXXX, my wife can not get her card to work at stores. This company should be put out of business because of the complaints they have i see online they take peoples money. i called visa today and they called and hooked me up with vanilla gift card and waited another XXXX minutes and got no answer. Vanilla gift cards are a scam for sure..hope you can help with this! thanks i called Vanilla on XXXX and XXXX and today the XXXX.
Product: Debt collection

Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , Inc ) Due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). specifically, cashapp failed 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 cause significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Student loan

I have submitted a request of voluntary payments during pandemic pause on XX/XX/XXXX, I have since then received no confirmation, no status update, and no progress on my request till today. Calling the company always takes more than an hour at least to get connected. Ever since the student loan forgiveness application is online this company had made their calling system extremely tricky, most of the options will lead to a call being automatically hung up.
Product: Credit reporting

customer service refuses to help me. I have also sent several certified letters and inquiries were not investigated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX account please update My creditor reports are lacking pertinent new accounts and total credit available which dramatically changes my score. Please quickly update my reports.
Product: Debt collection

SECOND ATTEMPT. 

Apple, Per card agreement I am presenting my negotiable instrument with tender of payment attached to this CFPB complaint to return account balance back to XXXX  all credit reporting immediately removed. This notice creates a legal contract ( Black laws demand ) to have this completed within the next 10 days. Thank you. refusal of payment requires a {$10000.00} fine and or additional violations will be requested on the following violations under law : 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1666d - Treatment of credit balances 18 USC 8 Obligation or other security of the United States defined 15 U.S. Code 1692j - Furnishing certain deceptive forms 18 U.S. Code 1961 - Definitions 18 USC 914 Creditors of the United States 18 USC 1341 Frauds and swindles
Product: Credit reporting or other personal consumer reports

Subject : Immediate Request for Opt-Out and Deletion of Credit Report Tradelines XXXX XXXX XXXX XXXX ACCOUNT ENDING XXXX I am contacting you to file a formal complaint and to assert my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), regarding unauthorized use and disclosure of my financial data. In accordance with 15 U.S.C. 6802, 15 U.S.C. 6805, the Privacy Act of 1974, and associated regulations, I am hereby revoking any permissions, whether explicitly or implicitly granted, for reporting my data. 
My credit score has been detrimentally affected by such information that qualifies as non-public personal information under 16 CFR 313, enacted under the authority of 15 U.S.C. 6801. Furthermore, sections 313.7 and 313.7 ( f ) of the same code explicitly state my right as a consumer to opt-out of data reporting at any time, a right which I am exercising and formally requesting enforcement through this letter. 
Here are the specific legislative and regulatory grounds for my request : 1. **15 U.S.C. 6802** - Mandates explicit consent for financial information disclosure, including a clear option to opt-out.

2. **16 CFR 313 ( Privacy of Consumer Financial Information ) ** - Ensures my right to privacy and to block unauthorized personal information disclosure.

3. **15 U.S.C. 1681** - Protects the accuracy, fairness, and privacy of information within consumer reporting agency files. 
Based on these legal provisions, I demand the prompt removal of all details pertaining to my credit accounts from your records and reports. Non-compliance will force me to pursue further legal actions to safeguard my rights. 
Please send me written confirmation that my data has been erased from your records and an updated copy of my credit report. For any further details required to facilitate this process, you can reach me directly at XXXX. 
I appreciate your immediate attention to this critical matter and anticipate prompt confirmation that my rights, as legally established, are being upheld.
Product: Credit card

Recently I XXXX XXXX applied for an Wells Fargo credit card and was denied an extension of credit by Wells Fargo. On XXXX XXXX, I applied for a Wells Fargo Credit Card with Wells Fargo. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to XXXX XXXX XXXX XXXX ( C ) you assume civil liability pursuant to 15 U.S Code 1691 ( K ) XXXX and XXXX XXXX has violated my federally protected rights : XXXX. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002
Product: Mortgage

Wells fargo home mortgage has yet to provide documents from 2009 as I requested from closing as I have. 
Wells fargo has not provided documentation only on 2009 closing as I have and was giving to me.
Product: Credit reporting

I have contacted Experian several times before concerning the issue of removing items that do NOT belong to me. I have taken matters into my own hands and hired an attorney to pursue a lawsuit against your company if these issues are not removed immediately. I have a police report that identifies the accounts and inquiries in question and have the evidence of certified letters sent to both the creditors and your company. In the event you decide to remove the accounts and inquiries, we will not move forward with the case.
Product: Credit card or prepaid card

Back in XX/XX/XXXX my bill for my credit card for fifth third bank had a balance of XXXX. I sent XXXX. They in turn tried to cash the check for the check number XXXX. Which over drafted my account. The issue was resolved and my account was credited, but it reappeared again in XXXX. Now they say the balance belongs to me and they have been investigating for over a month. In the meantime they call to say I'm behind payments and I have late fees. Yesterday they said they sent the late payment info to the credit Bureau. This is all been a nightmare my credit is being destroyed and I'm being harassed from collectors. For a computer error.
Product: Money transfer, virtual currency, or money service

I am filing a complain agains 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 requirement 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.
Product: Credit reporting

I disputed the accounts with Experian in which Experian corresponded that the accounts with XXXX XXXX and XXXX were accurate. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX XXXX & XXXX XXXX regarding the alleged accounts. Experian was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged accounts and the creditors XXXX XXXX XXXX or XXXX XXXX can not validate the alleged debts?
Product: Debt collection

Every day I receive a call to my home telephone from XXXX. I XXXX this number and got info that the company is AFNI , Inc., a debt collection agency. I believe they may be attempting to collect on an auto accident my ex-husband had several months ago. He was not insured. I believe he gave the insurance company my home number as a contact. He has not lived here in over 5 years. 

I picked up this call today. Nothing but silence for a minute or so until a recorded message came on stating this was an attempt to collect a debt and I should call another telephone number. Then the call was disconnected. I did not write down that number. 

Any help you can provide in getting this company to stop calling my home telephone number ever again is greatly appreciated.
Product: Vehicle loan or lease

When looking at a payoff letter, it has the wrong Borrower name and address on a loan I have and have made 35 of the 36 payments on. I have asked for the incorrect borrower and address to be removed. I am worried the title will not be sent to me, and BMO has not been able to convince me that the issue was corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, WAYPOINT RESOURCE GROUP add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA WAYPOINT RESOURCE GROUP has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had 2 mortgages for One property in XXXX XXXX XXXX XXXX, XXXX XXXX PR XXXX, with XXXX Bank ( located in XXXX XXXX Puerto Rico ) and XXXX Bank agreed to a Voluntary Surrender ( instead of Foreclosure ) of my property. I have all the communication with the representatives from XXXX Bank working my Voluntary Surrender from XXXX. XXXX Bank went bankrupt and now XXXX XXXX is claiming that I owe them that second mortgage, but the property is no longer mine. I Signed my Mortgage Agreement with XXXX Bank ( not with XXXX - I never made an Agreement nor signed any document with XXXX ). I am requesting a thorough Fraud investigation of this fraudulent transaction and requesting to delete it from my credit report.
Product: Credit reporting or other personal consumer reports

As a victim of identity theft, I have faced numerous challenges, both financial and emotional, due to unauthorized accounts and transactions appearing on my credit report. I reported these fraudulent activities to your bureau and submitted all the necessary documents and detailed explanations, to substantiate my claims and establish my innocence. However, it has been an exceptionally long period since I initially raised these disputes, and I have yet to receive a satisfactory response or resolution. This delay has not only caused me considerable stress but has also resulted in tangible negative consequences for my financial well-being. I have encountered denied credit applications, higher interest rates, and relentless harassment from debt collectors, all stemming from inaccuracies on my credit report. ACCOUNT : XXXX XXXXXXXX. Please remove this account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mailed a letter that was dated XX/XX/2022 responding that these accounts were verified as accurate. I received a phone call on XX/XX/2022 from a representative by the name of XXXX, who attested that the accounts referenced ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) could NOT be verified. I asked XXXX, how are they able to report this information, if it could not be verified. She then told me that I needed to call back and have a fraud dispute put in. At XXXX pm pst on XX/XX/2022, I contacted Equifax to make them aware of what was brought to my attention. Two representatives informed me that I needed to file an identity theft report, which was completed via the CFPB. According to the CFPB in accordance with 15 USC 1681a ( q ) ( 4 ). ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ... Multiple reports has been filed with the CFPB in regards to this fraudulent information. On XX/XX/2022, another dispute was put in, for the information not belonging to me. I spoke with a representative by the name of XXXX, who provided me with this reference number ( XXXX ) for the dispute. I asked XXXX to provided me with details of who verified these allegations. XXXX confirmed that is was a computer that did the verification and not an actual person to verify, which violates Section 603 of the FCRA on the process and method of verification to investigate the consumer report. An identity theft report for the misuse and abuse of my personal information has been filed with the FTC -- Report XXXX. I would also like to note that Equifax has confirmed that everything on my report has been verified and reported as 100 % accurate. That in fact is not true.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made 2 purchases from XXXX and used Paypal to pay. One was for {$140.00} and another one for {$60.00}. My total amount paid was {$200.00}. Ive received used shoes so I returned the shoes. XXXX claimed to have returned the full amount but Paypal paid me {$60.00} on XX/XX/XXXX and another {$88.00} on XX/XX/XXXX and I still havent received the remaining {$60.00} because they claimed they have already paid. Ive received countless emails from Paypal with different reasons and excuses, but I have not received the full refund yet and XXXX claimed they paid the full amount.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which has led to the appearance of unknown and inaccurate accounts under my name. These accounts are not mine, and their presence is causing unnecessary confusion and harm to my financial record.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

We have been contacted by a law firm / debt collector a lil over a year and a half ago to collect a debt. We have been paying this whole time.

With the prices on everything skyrocketing, we needed help. We requested that Hiday & Ricke work with us on dropping the payments. They very rudely declined to help us any. 
We ended up having to drop the amount of payment on our own. Since then, this firm has been threatening us with final judgement, now they threatening to get our personal info from XXXX XXXX XXXX. They have sent them XXXX commands to be sent my husbands private info. They have since locked us out of the payment portal. We want them to cease and desist all threatening communication. concern ; We are being threatened and harassed by a debt collector / attorney. 
We have been paying this firm, Hiday & Ricke PA monthly for a little over a year for a debt from XXXX XXXX XXXX XXXX. 
We have not missed any payments. But because of the rising cost of fuel, groceries, and utilities, we have become seriously strapped and had to lower the payments we were giving them. We asked repeatedly asked for help to have the payments lowered. They refused to help in any way. 
They have put us in final judgement stating we have to pay the {$8100.00} up front. If we can barely pay the monthly {$300.00} without drowning, we def cant pay that amount. Now hes threatening to take a vehicle we are still paying on. 
We want him to back down and let us do what we can. 
So in turn, we would like to put a cease and desist order on him so he can not continue to harass and threaten us. We want no contact at all from this firm. 
They have us, my wife, and myself so strapped and so stressed, that it is definitely weighing on us health wise. I have XXXX XXXX and the anxiety that comes with it. 
Hiday & Ricke have me stressed to the point that I can barely manage the XXXX. My wife has physical XXXX as well as anxiety and XXXX. XXXX has XXXX XXXXs and this is causing constant XXXX XXXX Jeff Ricke of Hiday & Ricke is making it exceptionally hard to function in day to day life. 
We DO understand that we have to pay this firm for this debt, we have been paying them without missing any payments. But we had to lower the payments so we could survive and pay for groceries, fuel and utilities. 
Therefore we would like to file a cease and desist order on this firm. 

Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After discovering being a victim of fraud I began to fix my credit this year aroun XXXX. I began with all three reports via XXXX shortly after noticing so many incorrections, I began to send out letter to all three bureaus. Although some removals were made there are still inaccuracies being reported therefore not allowing me to attain credit necessary both personally and professionally.
Product: Mortgage

Thank you for reviewing our complaint. Last year XX/XX/XXXX I had a lawsuit filed against me regarding my employment and subsequently had to change jobs XX/XX/XXXX. XX/XX/XXXX my wife and I called our mortgage company Citi Bank to tell them of our severe financial problems. At that time we were two months behind on our mortgage. We ask Citibank for a mortgage re-modification and subsequently file the application for a HAMP loan. The process dragged on until XX/XX/XXXX when Citibank informed us that they did n't do HAMP loans after we submitted months of bank statements, forms, tax returns etc. Then we were told to apply for a mortgage modification which is what we asked for in the first place. So we resubmitted bank statements, tax returns everything they asked for. All the while we were told by the XXXX Citibank representatives ' that they would not accept any partial of full mortgage payments from us until the application process was completed. XX/XX/XXXX Citibank denied our modification due to the fact that we " did n't make enough money '' our income was short {$100.00} per month or there about. Then we appealed their decision and they told us we " made too much money ''. Thus denying us again. By that time we were on our XXXX loan officer. Now we are on our XXXX loan officer and I am trying to work through the situation with him. We have saved money to make payments on our mortgage when we hopefully get this situation resolved. We have over {$170000.00} in equity in our home. We are currently 19 months behind on our mortgage. I believe Citibank has been untruthful, misleading, unwilling to help us keep our home. We have lived in this house for 10 years and have XXXX children and we are afraid we are going to loose our home. I have spoken with a real estate lawyer and he believes we have a case. Could you please help us?
Product: Debt collection

Received notice from XXXX XXXX XXXX on XX/XX/21 stating they are representing crown asset management llc in regards to a debt collection. On XXXX XX/XX/21 I received an email from crown asset management company stating a debt was due. I emailed the company on XX/XX/21 requesting that the company validate the debt. No response has ever been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation was flawed and deceptive