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

This summer my card number was stolen. XXXX fraudulent charges were made before it was detected. I told the card company that I had not made any of those charges and they closed the card. 

Only XXXX of the charges were reversed. XXXX has remained on there despite me calling to file complaints at least XXXX times and also submitting online fraud form XXXX other times. Finally it was dropped off after all of that activity. 

Today I received a letter that they had completed their investigation and found that the activity is valid. Now they are rebilling the charge THAT I DID NOT MAKE again. The card was not physically present since I had it in my possession. And it was consistent with the other charges made that were reversed.
Product: Money transfer, virtual currency, or money service

My complaint is regarding a purchase I made online with XXXX on XX/XX/XXXX. I contacted XXXX early XX/XX/XXXX because I never received the package. They tracked and advised it was delivered via XXXX and who ever signed for the package signed spelling my name wrong. My community uses XXXX XXXX so know one signs for packages. It's placed in a locker and I receive an email with pick up instructions. XXXX opened a case with XXXX but they denied it indicating the package was delivered. I reached out to XXXX again whom opened a 2nd case which was denied. XXXX gave me the run around for nearly a month so I reached out to PayPal Credit as my trusted financial provider whom I used for payment. They collected little to no information from me but denied the claim stating the merchant provided proof it was delivered. I opened a 2nd case and they denied it again. If it was delivered, it was delivered to the wrong party I have never received the merchandise. I am beyond frustrated and out of {$810.00}. I trust PayPal as my go to source for online purchases because it gives me an extract layer of protection to protect my bank account and credit card details. I never would have thought a company I have done business with for many years would be unable to resolve this matter in my favor and handle the merchant chaargeback.
Product: Debt collection

This started in XX/XX/XXXX not XX/XX/XXXX as reported on credit. I cancelled the XXXX service within the 30 day trial period but XXXX did not close the account until after the period and then wanted to collect. This was in XX/XX/XXXX. The debt has been sold to a debt collection agency and they filed on my credit report in XX/XX/XXXX. I do not owe the money and at worst it should show original date of XX/XX/XXXX and be coming off report soon. Every time another debt collection agency buys the debt, the file date changes. This could last forever for a debt I do not owe.
Product: Money transfer, virtual currency, or money service

( Block Inc ) due to an adequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to each TransUnion, XXXX, and XXXX on three different occasions and have yet to receive a response from any of them. The exact dates I sent the letters were on XX/XX/2021 and XX/XX/2021. 

I believe I am getting ignored and the credit bureau 's are infringing on my rights under the FCRA. 

It has been over 120 days with no response from the bureaus so I would like the negative information being reported on my credit profile to be deleted.
Product: Credit reporting or other personal consumer reports

In accordance below with the Fair Credit Report act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 609 of the Fair Credit Reporting Act ( FCRA ) a federal law that protects consumers from all unfair credit and collection practices I told Experian, XXXX, XXXX to reinvestigate these accounts XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XX/XX/XXXX, XXXX/XXXX/XXXX 15 USC 1681 section 602 A. States I have the right to privacy. 15. USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. 
None of information as been removed upon request of deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays bank has made excessive hard inquiries on my report which has had significant negative impact on my credit scores. I have repeatedly mentioned this to Barclay to no effect.On the Barclay site when you request a credit increase there is no indicator that a hard inquiry will be made at the time. I have attached a screen print of the hard inquiries showing on my credit report at   XXXX   XXXX   as of   XXXX
Product: Debt collection

Received letter from Allied International Credit Corp ( US ) claiming they were collecting debt on behalf of original creditor ( XXXX ) in the amount of {$28.00}. 

I've sent a copy of their letter to XXXX ... XXXX knows of no such debt that I owe them. 

I generally buy ( only ) on XXXX using my XXXX account ... have not bought from XXXX on over a year and never this amount. This is not my transaction. Period.
Product: Debt collection

ON XX/XX/22 i received notification from XXXX of a collection account appearing on my credit report. The collection was credit collection service for a liberty mutual account i never had. 

This account was opened fraudulently due to identity theft. I have attached a copy of a FTC identity theft report along with local police report number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please remove this ASAP.
Product: Student loan

This loan was sent to a company called XXXX XXXXXXXX XXXX XXXX XXXX for payment handling in approximately late XXXX or the beginning of XXXX. At that time, my automatic payment option was discontinued without any notice to me. 

I received a bill from the company in XX/XX/XXXX, and paid this amount in full. On XX/XX/XXXX, I received a Notice of Past Due Account advising that my student loan payment had not been received and that I owed them {$53.00}. 

When I called the company, I spoke with an employee named XXXX XXXX. He advised he had looked at the records and confirmed it was their error and I owed them nothing. 

However, by the time I reached the office, I had an email from him indicating that I owed {$55.00}. I was not provided with any documentation showing why I supposedly owed {$55.00}. 

When questioned further, he sent over statements from XXXX and XXXX that I had never received. The XXXX statement he sent indicated that I owed {$53.00}, not {$53.00} and not {$55.00}. 

Further, the XXXX statement I had received at my house showed I owed XXXX cents. When I called the company upon receipt of that invoice, they advised this was in error and would be taken care of. 

I have now been told twice that the bill was sent to me in error and I owe nothing. 
In the alternative, I have been told that I owe : XXXX cents {$53.00} {$53.00} {$55.00} All except the XXXX cents took place within the last twenty-four hours.

I have complained to the company and asked for documentation. I have been told ( yet again ) that they've made a mistake, but I have received no documents supporting their most recent claim that I owe {$55.00}.
Product: Debt collection

I was served a lawsuit from  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on  XXXX / XXXX /  XXXX  . The lawsuit was filed on  XXXX / XXXX /  XXXX  . I am being sued on behalf of  Midland Funding, LLC  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm,  XXXX   XXXX   XXXX , LLP. This account was disputed directly with the  Original Creditor, and Midland Credit Management. Which I am not sure is even the same company as Midland Funding. I have never been contacted by Midland Funding.
Product: Debt collection

CFPB Complaint Against Synergistic Communications XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Consumer Financial Protection Bureau ( CFPB ) : I am filing a complaint against Synergistic Communications, a debt collection agency, for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and the Gramm-Leach-Bliley Act ( GLBA ). 
Debt in Question : Briefly describe the debt ( e.g., type of debt, original creditor, amount ). 
State that you are unaware of this debt. 
Violations : FDCPA Violations : 15 USC 1681a ( 4 ) : Synergistic Communications did not provide a written debt validation notice within five days of their initia communication.

HIPAA Violation : They obtained and attempted to collect on medical debt without your consent to share this information ( mention HIPAA if applicable ).

15 USC 1692c ( a ) : They continued to contact you after you revoked your consent to be contacted by phone, email, or text message. 
FCRA Violations : I never received a proper notification of the alleged debt. 
If they claim you received notification, request a copy of the certified receipt with your signature. 
GLBA Violation : 12 CFR 1006.34 : Synergistic Communications failed to provide proof of their license and bond as required by law. 
Requests : Debt Validation : Request a written validation of the debt, including the original creditor, amount, and date of default.

Cease and Desist : Request that Synergistic Communications cease all communication with you except for debt validation purposes.

Proof of Licensing and Bonding : Request documentation proving Synergistic Communications is licensed and bonded to collect debt in your state.

Supporting Documents : Attach any copies of communications you have received from Synergistic Communications, proof that you revoked your consent to be contacted, or any other relevant documentation.

Conclusion : Synergistic Communications ' actions have been unfair and deceptive. I request the CFPB to investigate these violations and take appropriate action. 

Sincerely, XXXX XXXX https : //www.consumerfinance.gov/.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX  XXXX is paid off on XXXXXXXX Equifax, and XXXX. Also payment history is inaccurate across all 3 bureaus '. They are showing 120 days past due when I in fact have been on time through the entirety of the debt. It is not possible to report 120 days late when neither bureau reported this account 30 days late. This ultimately stopped me from acquiring credit and this account should be removed immediately due to their negligence of credit reporting accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported to all 3 bureaus a 30 day late payment. According to the FRCA, creditors can report a later after 30 days. They have acknowledged that the payment was received on the XXXX day in XX/XX/2023, yet refuse to update their incorrect reporting. I have disputed this with all 3 bureaus as well, however the outcome has not changed.
Product: Checking or savings account

THE CHASE BANK CLOSED MY ACCOUNT ONXX/XX/XXXX, AND I ISSUED A CASH CHECK ON MY NAME FOR THE AMOUNT OF MY BALANCE USD XXXX. THIS CHECK WAS SENT TO THE REGISTERED ADDRESS AND WAS LOST ; THE DAYXX/XX/XXXX I DIRECTED TO THE CHASE OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, EE. UU TO SIGN THE APPLICATION FOR THE STOP PAYMENT OF THE BOX CHECK NUMBER XXXX, I RECEIVED XXXX XXXX XXXX, CARRY OUT THE FIRM MANAGEMENT AND INDICATED THAT IT WOULD BE SOLVED IN 5 WORKING DAYS, WAIT FOR THE INDICATED TIME AND HAD NOT RECEIVED ANSWER, CALL THE DAY XX/XX/XXXX TO THE DEPARTMENT THAT HAD MY CASE, I WAS INDICATED THAT THEY KNOW THAT I WAS IN THE OFFICE OF THE BANK BUT THEY DID NOT RECEIVE THE FORM OF THE STOP PAYMENT, TRY TO COMMUNICATE ME WITH THE XXXX. XXXX XXXX AND I HAD TALKED WITH HER ON XX/XX/XXXX, I REMAIN TO MAKE THE SHIPMENT AGAIN AND RETURN ME THE CALL WHAT I DID NOT DO, I CALLED IT BACK ON DAYXX/XX/XXXX AND I INDICATED THAT I HAD TO WAIT AGAIN 10 DAYS WORK ABILITIES. WAIT UNTIL XX/XX/XXXX DAY AND CALL THE DEPARTMENT THAT HAD MY CASE, THEY INFORMED ME THAT THE DAY XX/XX/XXXX THE CHECK WAS PAID ON AN ACCOUNT ON MY NAME IN THE XXXX XXXX XXXX, WHICH I DO NOT OWN NO ACCOUNT IN SAID BANK. ON XX/XX/XXXX BACK TO CHASE BANK OFFICE XXXX XXXX XXXX XXXX, XXXX, FL XXXX, XXXX I WAS ATTENDED BY XXXX XXXX XXXX XXXX ; TO FORMALIZE A CLAIM FOR THE UNFAIR PAYMENT OF BOX CHECK NUMBER XXXX FOR XXXX XXXX WHICH REQUESTS STOP PAYMENT AND WAS NOT PERFORMED BY CHASE BANK, AFTER 3 MONTHS OF WAITING THE BANK ANSWERS THAT IT IS NOT PROCEED BECAUSE THE XXXX  XXXX XXXX WILL NOT RETURN THE FUNDS. AFTER THIS ANSWER THE CASE WAS TAKEN BY THE MANAGER OF THE OFFICE THE XXXX XXXX, WHO LIKE MY PERSON DOES NOT UNDERSTAND LIKE A BOX CHECK THAT IS REQUESTED A STOP PAYMENT THE DAY XX/XX/XXXX COULD BE PAID ONXX/XX/XXXX, I INDICATE THAT I CARRY THE CASE TO HIS SUPERIORS AND THE ANSWER STILL IS THE SAME : " DO NOT PROCEED BECAUSE THE XXXX XXXX XXXX DOES NOT RETURN THE FUNDS '' I LIVE IN XXXX XXXX AND I CAN NOT TRAVEL SO FREQUENTLY TO THE XXXX. IN THESE MOMENTS MY FAMILY HAS THE MONEY THAT THE CHASE BANK HAS NOT RETURNED TO ME.
Product: Mortgage

I have a HAMP loan w/Ditech that was sold to them by XXXX. I recently discovered they broke the contract by adjusting my mortgage up 5 months before time. According to the HAMP contact my payments and rates are set. Well, Ditect are sending me mail and calling me stating I am behind onmy mortgage, but I am not. They stated the rate increased was effective XX/XX/XXXX, but if they would have looked at the contract the payment effective day for the increase is XXXX/XXXX/2016. My payments accordint to the contract is {$1600.00}, and my property tax is about {$520.00} a month which is routhly arount {$2200.00}, which is what I sent them ; however when they got me confused I requested help for hardship because they said my payments would be closer to {$22000.00}. Well, I am on Social Security XXXX and get a small retirement check, so I asked for assistance, but when I saw the preditor loan offer I changed my mind. They offered me a deal to save {$70.00} a month, but I would pay an addition {$40000.00} over the life of the loan. Next they said they would file a loss ligation claim, but sent me a bunch of forms to complete that has nothing to do with loss ligation. I would also like to point out before I forget that they sent me an addition bill for my property overage close to {$900.00}, and I paid it so it would not affect my payments. These people are harrassing me. I have not missed or been late on a payment. XXXX sold my loan to this horror place because I asked for help ; however, I did not miss a payment with them and was not late on my first or 2nd at the time. Please help me, the DOJ and XXXX really need to check out this company, something is n't right. My loan number on this loan is # XXXX ; however, they state leave off the # XXXX. When you see the statement all the number 's I typed are on their. ( I have additional documents I can fax to you if you need them to verifty my allegiations )
Product: Debt collection

XXXX is my original case number here. The creditor responded it would remove from my credit report I just received another copy of my report and it is still on there. This is not my debt. I was never made aware of this and XX/XX/XXXX it showed up as a collection on my report. I filed a dispute please reference the case number above and it was to be removed from my report. It was not.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint regarding an unresolved overcharge on my American Express Platinum card stemming from a transaction with XXXX XXXX XXXX. I am deeply disappointed by American Expresss failure to protect its customers and investigate this matter thoroughly. 

On XX/XX/year>, during my stay at XXXX XXXX XXXX, I was overcharged for a service that a resort representative had explicitly assured me was a complimentary replacement for a service already included in my package. I would never have agreed to the service had I known it would incur an additional charge. However, despite this assurance, I was coerced into paying {$320.00} under the threat that I would not be allowed to leave the island unless I settled the bill. 

Under duress, I signed the bill but included a written statement of my disagreement by clearly noting : " I do not agree with this bill. '' This was my way of formally documenting my objection at the time of payment. 

Since then, I have contacted American Express multiple times, in both XXXX and XX/XX/year>, to dispute the charge. I provided all necessary documentation, explained the coercion involved, and detailed the unethical practices of XXXX XXXX XXXX. Despite this, American Express has refused to investigate my claim adequately. They closed the dispute, stating the merchants response, but failed to provide me with the detailed bill and signature for review. 

More importantly, they ignored the critical detail that I had explicitly written " I do not agree with this bill '' on the signed document. This omission is unacceptable. If the merchant has altered or omitted this portion of the document in their response, it would constitute a clear case of falsification and demonstrate that the payment was forced under unethical circumstances. 

I am seeking assistance from your agency to address this matter, as both XXXX XXXX XXXX and American Express have failed to act in good faith. American Express has disregarded its responsibility to thoroughly investigate this dispute, despite the clear evidence of coercion and my explicit written objection. 

Requested Resolution : Reopen the dispute with American Express and require the merchant to provide the original, unaltered bill, including the portion where I explicitly wrote, " I do not agree with this bill. '' Ensure a thorough investigation into the coercive practices employed by XXXX XXXX XXXX and hold them accountable. 
Advocate for a refund of {$320.00} and a clear acknowledgment of the unethical conduct by the merchant. 
Thank you for your attention to this matter. I believe this is not only a financial issue but also a matter of consumer rights and protection against unethical business practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

3 debt collections on my credit karma report that I am unaware of the existing accounts. Tried to fight with XXXX XXXX but not effective. No propper response. Please take action and provide reasonable sollution. Thanks
Product: Student loan

I have been trying to apply for the Revised Pay as You Earn plan for almost two years now and continue to be denied for the program and suggested to submit the application in another manner every time that I have spoke with them. I have had a processor assisting me with completing the application pursuant to the information that has been provided by the many representatives at Fedloan Servicing. Every time I 've spoke to them, they illustrate a different way to complete the application. My loans are a spousal consolidation and thus require that I submit my ex-spouses information- of which she has complied with as well. My application was finally approved back in XXXX of 2016 and then was arbitrarily placed back into the standard payment with the claim that there was missing information. I have since escalated the file and submitted another application that two months later still has not processed. I have been told that my file has been escalated and should have resolved within 3-5 days- yet here we are 3 months later with a mandatory student loan debt burden forbearance on my file because I have not been able to pay back my loans in over two years. I have submitted all of the requested documents exactly as described to Fedloan servicing. My file has been pending to be place in the revised pay as you earn plan for almost two years. Fedloan servicing has made me jump through hoops in order to obtain a repayment plan that they have told me I qualify for. It 's very frustrating that it has taken this long for my application to process and the representatives do n't understand why. I understand that spousal consolidations are a tough task to handle, but I have complied with all of their request and would like to start paying back my loans instead of drawing this out any longer.
Product: Credit card or prepaid card

I signed up for a credit Card thru Chase. The card was marketed as 0 % APR with NO fees. I recently traveled abroad and used the card or few purchases. Chase added 5 % transaction fees to the transactions in the latest statement. Upon confronting them about the issue, they are not willing to accept any wrong doing or willing to take off the fees. In addition to that, Chase is not willing to accept that they solicited false claims and marketing claims about the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit was at XXXX and this company that I just paid off stayed on my credit report so I disputed it! After the dispute, my credit dropped XXXX my credit was rising and I think the system XXXX  me and I'm willing to continue this until others ( that probably look like me ) come forward with the same problems! These agencies are working to keep things looking bad and I want this investigated