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

Chase states that a letter was sent. We never received one. The only way to prove that someone received a letter is to send it certified mail, return receipt requested. I will repeat, we received no letter. Without notice our credit limit was lowered. We have no late payment history. We have not been using our card and trying to pay it off. The credit limit we had reflected a 72 % usage. By lowering our credit limit, it made it so it is reflected that we have a 96.97 % usage. ***These exact numbers are from my XXXX  account which notifies me if there are any inquiries, etc on my credit report. My Wife and I WOULD NEVER use any card or product with this level of utilization because we know that this would be extremely damaging to us. By doing this it has caused a decrease in my Fico score of over 20 points. This was also done by Chase Bank to another card. The damage was not as significant as this. There are no negative items or excessive inquiries on our report to explain damaging a good  consumer and a customer like this especially in these trying times. We request that this damage, that appears to be deliberately done be reversed immediately. Thank you.
Product: Credit card

My refrigerator was repaired while it was covered by their Extended Warranty program provided through my Citibank N.A. issued card. I submitted the documentation for reimbursement 4 times over a period of 4 months using a combination of email address. I've also called them multiple times, but have yet to receive reimbursement.
Product: Vehicle loan or lease

I applied for Financing with General Motors Financial Company on XX/XX/year> and was denied. General Motors Financial Company is NOT properly performing the duties quoted in their XXXX XXXX. They are Breaching their XXXX by not performing their Fiduciary Duty. They are being False and Misleading by claiming I need to be in a certain Credit Standing to do business with them. When I Provided XXXX XXXX with an application, that made me an investor. General Motors Financial Company per their XXXX XXXX XXXX XXXX XXXX that they promise to pay the principal and Interest on any and all Notes. I as investor has not been given XXXX consideration on the Security that I provided. General Motors Financial Company ( the sponsor and servicer ) Transferred my note to XXXX XXXX XXXX ( the depositor ) and from there my note was transferred to XXXX XXXX XXXX XXXX XXXX XXXX. I uploaded a copy of General Motors Financial Company 's Transaction structure found in the XXXX & XXXX XXXX Report. This is SECURITIES FRAUD as well as BREACH OF CONTRACT. 


Trust Indenture XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX Global Ratings Assigned preliminary to GM Financial Consumer Automobile XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I RECEIVED YOUR RESPONSE REGARDING MY COMPLAINT, I DEMAND FAMILY CHOI TO PROVIDE PROOF OF LATE PAYMENT TO BE SENT TO ME WITHIN 30 DAYS, IF NOW PROOF CAN BE PROVIDED I DEMAND THIS TAGGING TO BE UPDATED AND DELETED FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing great difficulty in getting Experian to comply with my dispute request per the FCRA guidelines. I have submitted verification of my address change ( i.e. lease ) and have notified Experian that my information has been compromised to obtain a XXXX, XXXXXXXX XXXX  and XXXXXXXX XXXX XXXX XXXX  credit card which are currently in default. I have provided Experian with a copy of the FTC report, my current lease ( I have resided here since XX/XX/ 2017 ) and a notarized statement but have been unsuccessful in my continued efforts to have these fraudulent accounts removed from my credit report. 

In speaking with an Experian Supervisor today, she informed me that the accounts were not removed because the above furnishers were able to verify my identity ( name, social security number, date of birth and " former '' address ). I tried to explain to XXXX that the address on my credit file is incorrect and has been so since 2017. I tried to explain to her that Experian has been provided with copies of my current lease. I even tried to explain to her that I also provided verification from XXXX that confirms that my data has been breached and compromised on the dark web ( as well as breached with Experian ) which would explain why it was so easy for these fraudulent accounts to be opened as well as for the furnishers to be able to " allegedly ' verify my identity. 

Moreover, herein lies the issue, PER section 609 of the FCRA, I have the right to be provided with the documentation that the Furnisher sent to Experian as evidence that these credit accounts are accurate. This verification has been requested several times and Experian has failed to provide it which is against the law. 

As such, I am demanding that the following accounts listed below be immediately removed from my Experian credit report : XXXXXXXX XXXX :XXXX XXXX XXXX //ACCOUNT # XXXX XXXX XXXX XXXX XXXX//ACCOUNT # XXXX XXXX
Product: Mortgage

We started the refinance process in XXXX of 2020. We were also purchasing a home at the same time. We closed on our new home in THREE weeks, that was quadrupple the price and value of our rental property. This company was selected by our broker because they offered the best interest rates. We signed the contract and the intesrest rate was 3.625 %. After countless back and forth, requesting documents that we had submitted multiple times, we were set to close in XXXX. We received closing information on XX/XX/XXXX, to close on XX/XX/XXXX. The interest rate was 4.625 %. We never received a loan disclosure indicating that the interest rate changed. There was not formal paperwork disclosing the change in rate or the reason why. We have been dealing with the lack of professionalism for thre months. It does not take three months to complete a refinance on the home. There were no issues with credit, or any of the normal things that can delay the process, so the three month time frame was excessive and daunting. Mortgage lenders are required to notify you of changes in rates in writing, along with and explanation. The only way we found out was when the title company sent over the documents to review. I have every email and corresondance and they never sent a loan disclosure or settlement documents. Our mortgage broker contacted them immediately and the only thing they said, was that the appraisal came in low, so they had to increase the interest rate. My issue is that no one from this mortgage company contacted us in writing and failed to provide the proper documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a report against Santander consumer due to account is on my report after it was agreed to be removed on XX/XX/2018. 

I have sent a letter and spoken with several representatives, requesting for them to remove and which they agreed. 

However its still showing and reporting negative on my credit report.
Product: Credit card

On XX/XX/year>, I made an online payment for my Lowe 's Credit Card serviced by Synchrony Bank. Synchrony 's online payment system saves payment methods ( e.g. bank accounts ) previously used to make payments. In my case, Synchrony has two payment methods saved : one for an older bank account that is now closed ; and another bank account I currently use. When I made the payment on XX/XX/year>, I inadvertently selected the older bank account that is closed. When I realized this, I immediately made a payment with my current bank account. However, Synchrony charged me a {$30.00} " returned payment fee '' for inadvertently using my old bank account. The reason that I inadvertently used the wrong account is that Synchrony does not allow a consumer to delete any payment methods. In other words, I was ( and am still ) unable to delete the old payment method ( a bank account now closed ) to ensure it wasn't used. The only logical reason that Synchrony would not permit a consumer to delete a payment method is that Synchrony intends for this exact scenario to unfold -- -that is, a consumer inadvertently selects a wrong payment method so that Synchrony can collect an unearned fee. There is no other legitimate explanation as to why a payment method can not be removed from their system by a consumer. This is most certainly an unfair, deceptive, and abusive act or practice. I encourage the CFPB to investigate how many " returned payment fees '' Synchrony has charged consumers as a result of the wrong payment method being selected as consumers are unable to manage the payment methods that Synchrony stores on their website. Consumers should be able to control which payment methods Synchrony stores on their systems. Instead, Synchrony intentionally prohibits consumers to delete incorrect payment methods so the bank can unscrupulously collect unearned fees. 

When I attempted to contact the bank, it took over 7 minutes to reach a customer service agent. This is not an acceptable average speed to answer. The customer service agent said the " system would not allow her to waive the fee. '' In turn, I asked to speak to a supervisor. The supervisor, XXXX, informed me she could not waive the fee " because it is your fault you selected the wrong payment method. '' When I informed XXXX that I felt this was unfair and I would like to cancel my card and would be contacting the CFPB, XXXX hung up on me before taking any further action. This resulted in me having to call Synchrony again and start all over. In total, I had to spend over 30 minutes on the phone to simply close my credit card account. This is unacceptable. I encourage the CFPB to pull call records including recordings of my call which will support this complaint. 

During the CFPB 's next exam, I suggest that the CFPB investigate Synchrony 's practice of not allowing consumers to delete payment methods. This is clearly being done so that the bank can collect unearned fees when consumers inadvertently select the wrong payment method. Their customer service practices should also be reviewed.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX Account Number- XXXX To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.
Product: Credit card or prepaid card

The payments I made towards money owed on my credit card is not reflecting the balance on my card and the credit card company increases my credit limit without my consent. 
I have made several attempts to resolve the issues with the company about. First issue is that the payments I made towards my promotional balance were not applied. Secondly I did not have access to the activities on the account and there have been no transparency since I opened. Anytime I returned a purchased item to the store, a purchase made on the credit card, the refund never show up on my balance. And whenever I try to resolve the issue the customer service representatives give me a run around.
Product: Credit card or prepaid card

Since XXXX  of this year my personal information has been stolen, and my card charged four times resulting in my accounts being closed and new cards being opened. This has hit my credit and negatively effected my score.

The company has done nothing to prevent this from reoccurring. I need help to make this stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following fraudulent accounts and credit inquiry keep reappearing on my Equifax, XXXX and XXXX XXXX credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, {$5900.00}, XXXX XXXX, {$14000.00}, XXXX XXXX XXXX XXXX, {$8900.00}, XXXX XXXX XXXX XXXX, {$3100.00}, XXXX XXXX XXXX XXXX, {$30000.00}, XXXX XXXX  XXXX XXXX, {$370.00}. The fraudulent accounts dont belong to me. My U.S. Senator XXXX XXXX in the United States Senate and from XXXX is possibly going to call senate hearings for executives from Equifax to come before Congress and testify under oath about my case and numerous other constituents thats having constant issues, problems and disputes with Equifax in regards to fraudulent accounts and credit inquiries reappearing on my and other peoples Equifax credit reports, after Equifax has deleted and permanently block the fraudulent accounts and credit inquiries from my and other peoples credit reports numerous times.
Product: Debt collection

I was notified by XXXX credit monitoring system that Jefferson Collection LLC had reported that I was delinquent on a debt. I called them and they were dismissive and said they had sent me a letter but Ive never received a letter. They stated that I know what I owe and kept giving me options to pay.
Product: Credit card or prepaid card

INVESTIGATE ILLEGAL TRANSACTIONS XXXX XXXX XXXX NOT RECIEVED HONEST DEPOSIT OR DEBT/ CREDIT FROM XXXX XXXX OR A HONEST ANSWER I WAS ILLEGALLY ENLISTED IN CONT USA XXXX HOWEVER IM ENLISTED IN XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reaching out to formally dispute the inclusion of a XXXX  on my credit report, as this entry is inaccurate. I have a letter directly from the court that clearly confirms this XXXX  should not have been reported to your agency or reflected on my credit report. Despite this official documentation, the XXXX  still appears on my record, which is both alarming and unjustified. Additionally, the involvement of an unauthorized third party in this matter further complicates the situation and raises concerns about the accuracy and security of my personal information. This makes the issue even more serious, as it not only reflects an error in reporting but also a breach of trust regarding the handling of my sensitive data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017 I was on the XXXX site inquiring about a possible loan, # XXXX. The site offers a credit score ( rate ) check that will not affect the consumers credit score. It stated that a soft pull would be completed and not a hard pull. I am moving through the application not fully understanding that this was an actual credit application. No where on the site or statement did it say if you go any further a hard pull ( inquiry ) would be required. I later called customer service to ask before moving any further and was told I should expect that it would be a hard inquiry since it is credit related. I followed up by stating that no where did the application ask for authorization to pull my credit profile. Also, the customer representative telling me the truth in lending statement states a credit pull is necessary and then once he checks and he realizes that it does n't say a credit pull is required, then he states '' well you should have figured that out '' is an unacceptable business practice. My response to the rep is that most alternative loan sites do n't normally do hard pulls so you can not assume all consumers will understand that. It is also misleading because no where on the site does it inform the consumer that a hard inquiry is required to apply. I do not want a loan and was only researching rates and would like the credit pull removed from my Trans union profile. I should not be penalized because the site is not transparent. Lastly, why not be willing to help once you confirmed that the site is vague and confusing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a joint car loan account with my spouse. She filed for bankruptcy and this debt was discharged. Her balance is been updated to {$0.00} and closed with notes discharged in bankruptcy but for me is showing OPEN and with a balance when I have no responsibility on this account and I already requested correction. The latest one was responded on XXXX stating info reported was accurate.
Product: Debt collection

Note : The selections for my type of complaint were not exactly what has occurred so I chose the closest. 

I am trying to pay off debt but can not get Transworld Systems Inc ( TSI ) to send me a current statement. TSI is the debt collector for XXXX XXXX XXXX XXXX XXXX XXXX. I have not received any statements from TSI since XX/XX/XXXX. I received a letter from the US Department of the Treasury ( dtd XX/XX/XXXX ) indicating my tax refund ( {$420.00} ) was applied to my debt. 

I contacted TSI ( XXXX ) XXXX by phone 4 times in XX/XX/XXXX : 1 ) XX/XX/XXXX/XX/XX/XXXX - I did not document date and person I spoke. I requested a statement be sent to me. I believed they would send me a statement so I could payoff the debt. A statement was not sent to me. 

2 ) XX/XX/XXXX, XXXX XXXX PST. Spoke with XXXX. I told XXXX that I had previously called requesting a statement be sent to me. She was able to see in their system that I had previously called. She indicated that statements had been sent to me and she didn't know why I had not received them. 
She said another statement would be sent to me. A statement was not sent to me. 

3 ) XX/XX/XXXX XXXX XXXX PST. Spoke with XXXX. I explained to XXXX that I had called two times before requesting a statement be sent to me. XXXX indicated that a form had to be submitted by customer service rep and that the prior reps had not submitted the form. XXXX said he would submit the form so a statement could be sent to me. 
A statement was not sent to me. 

4 ) XX/XX/XXXX. Spoke to XXXX. I explained to XXXX that I have called 3 times before requesting a statement and that I have not received one. I  requested to speak with a supervisor but XXXX said a supervisor was not available. XXXX indicated that statements have been sent to me but asked if I had opened all the mail I receive because their statement look like junk mail. I asked if there was a way they could email me a statement or if there is a way that I can pay online and was told no. XXXX promised I would have a statement within 2 weeks. A statement was not sent to me. 

I still have not received a statement. I don't understand why TSI will not  send me a statement. It seems as if they want interest and penalties to accumulate and then just take additional money from my tax refund. 

My intent is to resolve this debt as soon as they send me a statement.
Product: Checking or savings account

On XX/XX/2022 I paid an invoice of {$1400.00} for my clothing business using my XXXX XXXXl account PER CASH APP Upon completing the invoice the seller never sent my merchandise and told me that they would issue a refund that never came through. I decided to dispute this charge through XXXX XXXX however they told me that since the transaction was paid through cash app they were unable to look into it. As a XXXX XXXX customer I'm highly disappointed as the point of the bank is to help protect my money. I have provided XXXX XXXX receipts of my conversation with the merchant as well as receipts of payment to no avail. Cash app has also denied my claim.
Product: Credit reporting or other personal consumer reports

I have no knowledge of account and demand its be taken off my credit report. It is interfering with me get a home and other necessities. If action of deletion isnt done with seven business days I will seek legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM EXPERIAN AND XXXX   WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I filed a police report and FTC report and sent the paperwork in with my disputes to the credit reporting agencies. The disputes have not been processed correctly and the paperwork has not been attached. And copies of the verification process has not been sent to me per the FCRA.
Product: Money transfer, virtual currency, or money service

Dear CFPB Representative, I am writing to formally lodge a complaint against eToro for unjustly locking my account, which has resulted in the wrongful withholding of my funds. I deposited {$110.00} into my eToro brokerage account, but due to the lock, I am unable to access or withdraw these funds.

Details of the Issue : Account Information : Platform : eToro Brokerage Amount Held : {$110.00} Date of Account Lock : Unknown Description of the Situation : For reasons that remain unclear, eToro has locked my account, thereby preventing me from accessing my {$110.00} deposit in brokerage account. Despite my numerous attempts to resolve this issue by contacting eToros customer support, I have received no clear explanation, nor have I been provided with any steps to restore access to my account or retrieve my funds. The lack of transparency and failure to communicate effectively with customers is highly concerning.

Violation of my Consumer Rights : As a consumer, I have the right to access my funds at any time. eToros actions in locking my account and withholding my deposit without providing any justification represent a clear violation of my rights to free and unhindered access to my own money. This situation not only causes financial inconvenience but also raises significant concerns regarding eToros business practices and their adherence to consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to dispute a bankruptcy back XX/XX/XXXX with all three Credit Bureau 's i provided them with the court doc 's showing the bankruptcy was dismissed and no account where filed under the bankruptcy. After a second letter on XX/XX/XXXX XXXX XXXX removed the bankruptcy with the provided documents from the courts showing that is was dismissed with no filing. The same letter and information was sent to Equifax  & XXXX  and they didn't removed it but states they where able to verify it. On XX/XX/XXXX i sent another letter to Equifax & XXXX  showing them that XXXX XXXX removed the bankruptcy back in XXXX. A month or so later they responded again with a letter stating it was verified. After even calling them i still got no where. This is really hendering me and my life. I know by law all three bureau 's must report the same information. I need something to be done.