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

I will start at XX/XX/2019 when I wrote to the Fraud Department via fax and told them about the letter they sent me that $XXXX would be credited to my account within 10 business days.  I warned them about the transfer from Synchrony Bank to XXXX XXXX but they appeared to ignore and not heed the the warning.  When the transfer took place, I called XXXX XXXX and they kept me on the phone close to an hour talking to managers and the Fraud Department and the Synchrony Fraud Department told them they needed an additional 5 business days to the transfer of ownership.  After waiting that length of time I called XXXX XXXX and they advised me to call Synchrony Bank Fraud Department where I was transferred to directly and they told me the transfer was complete and they would not be servicing the account any longer.  For the last week I have been faxing the Synchrony Bank Fraud Department to send me a copy of the letter stating my balance would be reduced by a fraudulent charge of $1,787.00 due to a charge from XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX, NC.
XXXX XXXX XXXX is still under investigation for 3 or more HIPPA Vioations as well.
XXXX XXXX wants a copy of the letter mailed in XX/XX/2019 so they can credit my account while it takes 30 days for them to send me a copy of a document to fill out and explain the fraud that occurred all over again. The letter Synchrony Fraud Department sent also mentioned they would contact all 3 credit bureaus to alert them of the balance change.  I have no idea whether this happened or not but cannot get a straight answer. The REBILL of the charge happened on XX/XX/2019 under account XXXX   but the Fraud Investigation form has it under XXXX.  I have faxed them three times this week alone with no response and given phone numbers, fax numbers, email addresses, US Mail addresses.
Product: Credit reporting or other personal consumer reports

i am reporting an identity dispute involving inaccurate information on my credit report for account number XXXX. The inccorect details are causing significant issues. According to XXXX XXXX XXXX XXXX of the fair credit reporting act, i request that this incorrect information be removed within 4 days. i have provided supporting documents to verify my claim. please address this matter urgently.
Product: Mortgage

My mortgage was bought by Nationstar Mortgage. In fact, in XX/XX/XXXX, I almost paid my mortgage to XXXX because the alert that mine had been purchased came when I already had a bill to pay XXXX rather than the new owner. I had already written my check when I noticed that Nationstar was not announcing that my new owner wanted payment when the switch was complete, but instead, I needed to switch NOW. A very shady conversion and shoddy timing an unfair amount of time for the consumer to adjust. 

I sent my payment in XX/XX/XXXX and my check was cashed on XXXX XXXX, XXXX. I just opened my new statement and my XXXX XXXX payment was not noted on the Nationstar statement for XXXX. My new bill said that I am a month behind. I owe a penalty and the last payment and the new payment. Again, shoddy timing on their part. 

I called to see why I got this bill since I can prove that my mortgage payment check was cashed on XXXX XXXX, well within their 15 day requirement. In other words, their new statement for XXXX was sent on XXXX XXXX, interestingly, the same day they cashed my check. My check was not late. In my phone call I confirmed that a payment for the first of the month is not late unless it is after the XXXX of the month. 

I have never been late on any mortgage payment for more than 30 years. This mortgage is on property that I still own because of the crash in XXXX. I live in Ohio but I have not been able to sell the property in question because of a depressed market that has never fully recovered. I am upside down if I try to sell it so I keep it and rent it out. 

I want this corrected. I want everyone to know about the timing of this crooked mortgage company.
Product: Credit reporting or other personal consumer reports

Recently, I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) Billing Error : ( 4 ) The creditors failure to properly reflect on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature on a statement.

15 U.S. Code 1666b - Timing of Payments ( a ) Time to Make Payments : A creditor XXXX not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by 1637 ( b ) ( Statement required with each billing cycle ), is mailed or delivered to the consumer no later than 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an auto loan in XX/XX/2017. I was given a high rate. I noticed 2 separate credit cards that i never opened. When i contacted both in writing, they failed to submit any documentation supporting that i signed any application, copy of my identification. I disputed with all 3 credit agencies, they failed to investigate. Stating the company paid for a block on my report to report anyway they like. They ignore. State they investigated but never submit any documentation according to the FCRA
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and a address on my credit report. 


Fraudulent accounts XXXX XXXX XXXX XXXX Fraudulent addresses XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national crediting reporting agencies on account number XXXXXXXX. On XX/XX/20202020 I sent written communication to DISCOVER dated XX/XX/2020, requesting documentation to substantiate information being furnished to the national credit reporting agencies on account number XXXXXXXX. These requests were made pursuant to the FCRA 623/FACTA 312 and is a requirement under Information Furnishers Duties. I received written communication from DISCOVER. They did NOT meet the requirements of FCRA 623/FACTA 312. Instead, they sent me statements dated XX/XX/2020 ( from my dispute with XXXX about verification of account per FCRA ) and XX/XX/2020. These statements were preceded by letters dated XX/XX/2020 and XX/XX/2020 ( I am attaching them to this complaint ). I made a request for them to substantiate the information theyre reporting is pursuant to the FCRA/FACTA, thereby causing DISCOVER communication to be significant of a non-response within the statutory 30-day time period to respond. FCRA 623/FACTA 312 requires DISCOVER to provide the following : ( 1 ) Proof of Liability via original application, ( 2 ) The Terms of the alleged liability, ( 3 ) Proof of performance made by me, ( 4 ) Proof of any other information contained in the credit report regarding the account. DISCOVER provided none of the above. DISCOVER continue to report unsubstantiated information to my credit report in violation of my consumer rights and is attempting to benefit commercially by violating federal law which potentially makes them actionable by criminal complaint. DISCOVER has violated the Red Flags Rule and Metro-2 Reporting Standards, thereby violating my rights under the FCRA, ECOA, and FCBA. Furthermore, I received written communication from DISCOVER that they will not change the UNVERIFIED, INACCURATE, and IMCOMPLETE information they are reporting to the national credit reporting agencies ( XXXX, XXXX, XXXX, and XXXX ). They are continuing to violate FCRA and conduct illegal practices. The above illegalities were committed via USPS mail.
Product: Money transfer, virtual currency, or money service

On the evening of XX/XX/year> my iphone was stolen when attending a dinner at XXXX XXXX restaurant. Unfortunately, the theif/thieves had access to my digital wallet and made an unauthorized transaction through Cash App. The same evening I was a victim of being drugged therefore the police had to be immediately involved. I reported the illegal transaction the first time to cash app on XX/XX/year>. The representative ensured that I would be contacted via email to provide additional information regarding the incident. I never received the email and no opportunity to provide document proof. I received a denial via email from cash app regarding my report on XXXX  XX/XX/year>, this decision was made without someone reaching out via email and giving me the opportunity to provide the legal documents I have..I again called cash app on XX/XX/year> to advise that I received a denial email regarding my case and never received an email. The representative advised to submit another dispute regarding the issue as they can not reopen the same. I did this and was told the same procedure that I would have an opportunity to submit documents to back up my case via email. Again, I never received an email, but I did receive another denial email XX/XX/year>. I called again XX/XX/year>, today to dispute again the denial and was told again the same loop of information, that they will send an email regarding this. I was on the phone with the representative from cash app for XXXX minutes trying to explain my frustration and hurt as this is a sensitive case for me. I have absolutely no resolution in sight with them and this is my hard-earned money that was taken. On XX/XX/year> no choice but to yet again file another new dispute. I feel absolutely insignificant, and they are not taking this case seriously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report that have been giving me problems for almost 2 years now.It is from XXXX XXXX XX/XX/2017 and XX/XX/2017.This is a duplicate along with others from companies that have been getting me denied for lines of credit.
Product: Student loan

This is in regard to Navient Multistate AG Settlement, as shown on NavientAGSettlement.com website. The site states that settlement includes {$1.00} XXXX in debt cancellation and {$95.00} XXXX in restitution. It states that Navient will contact us by XX/XX/XXXX along with cancellation and refund for payments made on the cancelled amount. My private student loan serviced by Navient was consolidated into federal student loan in XXXX. All the conditions of the settlement and abuse from Sallie Mae/Navient during the years stated in the settlement apply to me. I received the {$260.00} restitution check, but no word about the cancellation portion. I called the number in the letter from AG, XXXX, to inquire about my case, I was told to call Navient at XXXX, which I did, but they had no information either and told me to contact State Authority, which I did too, called AG office at XXXX, which they had no information either, so I asked to meet with the AG, and left a message for his assistant and Im still waiting, no response back. I contacted my current student loan servicer XXXX who was very hard to reach and when they answered they had no information other than just update your personal information. My loan was for about XXXX XXXXXXXX and now it is XXXX XXXXXXXX, even though I made over 60 payments, due to Navients abuse. I contacted DOE and didnt get any information either.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed inquiries I didn't consent to and personal information I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I never consented to these inquiries and did not provide written consent to report them List all inquiries : Here is the personal information that I never consented to or provided written consent to report : List all personal information want deleted :. 
Please investigate and provide proof with statements showing that I authorized or consented to these inquiries or personal information and proof that I authorized the reporting of this information. If proof can not be provided I demand these inquiries and personal information be deleted. 
Adjust accordingly if there is no inquiries or personal information to be deleted "
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX XXXX # XXXX is reporting an incorrect balance on my account. This account has been settled and paid off and should no longer be reporting a balance to my credit report.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XX/XX/year>, and noticed some incomplete and inaccurate things. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ). 
According to 15 USC 1681 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been information that the information has been modified or deleted from the file of the consumer. According to 15 USC 1681s-2, they are supposed not to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the account is inaccurate. 
The Fair Credit ReportingAct this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) ; it also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b ; a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes.
Product: Debt collection

A woman from XXXX Barclaycard extorted 29.1 % of my monthly social security check in XXXX and XXXX of XXXX. She falsely claimed the post office had lost their billing and she would lose her job if I did not make " late payments ''. She assured me " we will give it back if we made a mistake ''. My written documentation of my checking account payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my XXXX Barclaycard account XXXX XXXX XXXX XXXX expiration XX/XX/XXXX have been ignored. However, XX/XX/XXXX an employee named " XXXX '' denied the extortion and said " Prove it '' as if XXXX Barclaycard 's extortion did not occur. XXXX did say the account would be turned over to " collections '' in XXXX of last year. I look forward to a reputable collection agency recognizing this extortion as a violation of The Fair Credit Billing Act 15 U.S.C. 1666-1666j. This extortion caused my to miss minimum payments on other credit accounts. Finally, my records show a payment of {$67.00} every month by the XXXX of the month to my account ending in XXXX. XXXX Barclaycard stopped sending me billing for " non payment '' which has never been true, and my checking account records show otherwise.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act. Specifically Cash App failed to take timely and effective measures to prevent and protect fraud on their platform. Leaving my account unprotected and NOW CLOSED. Furthermore, their dispute resolution requirements under the Electronic Fund Transfer App ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial losses ( also with my bitcoins that were purchase ) and I seek appropriate redress for these violations
Product: Debt collection

I am aware that I was violated. As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 1 5 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me and 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with MIDDLE COUNTRY COLLECTION SERVICES, INS, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Commisioner of XXXX XXXX has been reporting innacurate information to XXXX XXXX  and experian. The account being reported is innacurate and unfair it is damaging my consumer rights which are federally protected and has hindered me from the pursuit of happiness and has hindered me from being approved for credit. The attached ftc report show in detail some of the damages that have been done. I require that this account be removed from all three Consumer reporting agencies and i be compensated XXXX for consumer violations
Product: Credit reporting or other personal consumer reports

I have a medical account and other information that does not belong to me. I have housing information that I have never owned. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I Have the right to privacy. 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 card or prepaid card

I received an offer from BOA ( access checks ) to help reduce higher interest rates on Credit Credit Balances. I have used this program before along with many other banks and financial companies. 
The offer from BOA was for a 12 month 0 % interest rate with a 4 % transaction fee. In XX/XX/XXXXI deposited a check to myself in the amount of {$14000.00} with a {$560.00} transfer fee. 
Once the transaction was processed I proceeded to pay down other bills incurred with higher interest rates. I continued to make {$1000.00} payments to my account with BOA to reduce the balance and insure I would have paid off the {$14000.00} within the 12-month period. 
Sine I make these payments online it never occurred to me that I was incurring interest each month at a rate of 26.99 %. This threw us for a loop. I immediately called the 800 number to hopefully rectify the problem. They did not nor could not resolve the error. I went to my local branch for assistance. The representative was professional and polite however after contacting the corporate office they advised us that I could not deposit the funds to myself. I could not believe what I was hearing. I explained to them I did not see or read anywhere in the documentation with the offer that was the case. According to them I was exempt for depositing funds directly into my account.
Product: Credit reporting or other personal consumer reports

I am writing once again to follow up on my previous dispute regarding inaccuracies in my credit report. I previously submitted a dispute regarding the account listed below and have not yet received a satisfactory resolution : Despite my initial request for correction and reinvestigation, I have yet to receive confirmation that these inaccuracies have been addressed. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to an accurate and fair credit report. Therefore, I am requesting an immediate reinvestigation and resolution of this matter. 

Additionally, I formally request the following : 1.Confirmation of the corrections made to the disputed item. 

XXXXAssurance that these inaccuracies will not be reinserted into my credit report without proper notice, as required by the FCRA. 

XXXXA detailed written response outlining the results of your investigation and the actions taken to resolve the inaccuracies. 

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

I have disputed multiple accounts from my credit profile. It has been well pass the dates that they should be deleted, but theres been nothing done about this! I am suffering from the impact that this is causing me, and my business. I would like this to be handled in a timely manner so that I am able to continue my credit building for business purposes. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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