23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My issue is with the company Sychrony and their business practices that are going to start making payments harder and fees incurred by the consumer. 

Originally approved for a credit card via XXXX XXXX, a local store in XXXX Illinois. Did not know it was Synchrony. 

Paid about 1/2 of the 18 months of no interest, the company changed their policy. Paper statements would cost {$1.00}. Tried to change my account for 5 days to go paperless. Not an option. The other card from XXXX XXXX  XXXX, managed by them the option was available. 

Letter dated XX/XX/year> I received XX/XX/year> about the changes. I tried on XXXX, XXXX and XXXX for multiple days to change my account to paperless. Also in the letter was something about finance charges but I stopped trying to read it and paid off my card. 

Then I opened a Paypal credit line. I was very unhappy to find out Synchrony manages this. I had trouble finding the credit line information on PayPal but last week found a way to pay via snail mail. Went to the application today and could not find the information anymore. GONE on XX/XX/XXXX. Looked on the web. Many people having issues finding their credit line in the Paypal application and how to pay. I searched on the web and found many complaints. 

So again you can't find your information but they will charge {$1.00} I am sure for sending out paper too for Paypal. I was told by Paypal customer service that I have to LINK my Paypal credit to Paypal. That was never communicated. And maybe Synchrony had a system change. But I never received any communication. 

I have a Synchrony App on my phone and that does not show my Paypal credit line either. 

Synchrony is giving little or no assistance to the consumer which will result in fees, late payments and confusion. 

We already have people struggling with debt. I think Synchrony is going to or is already making money off of people not taking the time, don't have the time to make sure their bills are paid off. 

I think their business practices are inappropriate and they are doing whatever they want. 

Not everyone can pay off a credit card that was originally no interest. And not everyone has the time to check that all their bills came in to be paid. I no longer work. I have XXXX. And I have time to complain to whomever will listen about this company. Their lack of planning or IT resources should not be placed on the consumers bill.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Bock , 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
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 ( 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, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

This account was for rent reporting. The rent was paid in a separate court settlement and I do not authorize this account on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$16000.00}
Product: Credit reporting or other personal consumer reports

all hard inquiries were listed on my credit report without my permission and authorization
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXXXXXX XXXX 

This student loan was charged off in XXXX XXXXnd was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX  making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section XXXX23 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through XXXX, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.
Product: Checking or savings account

Tried to figure out why checks were not available, different fees, and in accessibility issues problems seeing true account balances and transactions company, not providing XXXX accessible locations and banking services, etc for decades and multiple accounts.
Product: Student loan

A student loan in my name was originated with XXXX XXXX, then was transferred to Navient without disclosing the terms of the loan. XXXX XXXX charged and changed my interest rates from fixed to variable interest with out my permission. Request accommodations made under the XXXX XXXX XXXX act. Spoke with representative XXXX XXXX and she did not give any options, she stated on record that the Navient Account is 549 days in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX NJ XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX ; XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have asked Equifax XXXX separate times to conduct an investigation into XXXX  accounts on my credit report that I believe are inaccurate. Each time Equifax sent me an XXXX XXXX XXXX response saying they do not believe the request was coming from me. Every time I provided Proof of XXXX and Proof of XXXX and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Pursuant to Section 611 ( e ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ) these 3 accounts below have been reported inaccurately and should all be removed from the credit profile XXXX XXXX  Date opened XX/XX/XXXX Balance {$6600.00} Status Account charged off. {$6600.00} written off. {$6600.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3700.00} written off. {$3700.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. XXXX Experian has failed to maintain reasonable policies and procedures regarding the accuracy and integrity of the information, particularly handling my disputes, and name and address and work history, I have ask for these errors to be removed on several occasions but no reasonable investigations has been conducted of said matter.

time and energy and financial resources have been wasted trying to resolve this matter, so I am left to file this complaint Pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act, the CFPBs complaint process allows for the submission of complaints by consumers it seems this law was broken by XXXX. 

and also 15 U.S.C. 1681 ( 2 ) ( a ) ( i ) have also been violated by Experian i would like a all XXXX accounts listed above removed immediately, a swift resolution to this matter within XXXX business days no later that XX/XX/XXXX thank you XXXX, XXXX
Product: Mortgage

i applied for a VA streamline refinance with a lender other than the current one. i realized i not did have the Note in the package provided by the original lender. i have tried for a month to obtain the note from current lender. i need your help to obtain a copy of the note from current lender to consummate my refinance.
Product: Payday loan, title loan, or personal loan

15 U.S codes 1666 correction of billing errrors.

6 months after contract onemain financial debts auto withdraw for more that the contract amount states and without my consint, according to consumer federal law stated above this company is in dirrect violation of my rights.

futhermore 15 U.S code 1666 states ( e ) Effect of noncompliance with requirement by creditor who fail to comply with thr requirements of this section forfeits any right too collect from obligor.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, Shellpoint Mortgage increased my monthly 30-year mortgage payment from {$6200.00} per month to over {$11000.00} per month. I was unable to use the automated payment system to service my loan. According to my records, the monthly mortgage amount due was incorrect, no explanation of the increased monthly mortgage payments due was provided by Shellpoint Mortgage either electronically through email or written correspondence via postal mail. 

From the period of XXXX XXXX XXXX I continued to remit my monthly mortgage payment of {$6200.00} to Shellpoint Mortgage via telephone through a Customer Service Representative ( CSR ) taking my payment over the phone. Please see below the monthly payment schedule beginning in XX/XX/XXXX with the corresponding wire confirmation numbers per monthly payment transfer : Payment Date Payment Amount Payment Confirmation Number ( taken by customer service agent over phone ) XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX | case no XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX XX/XX/XXXX {$6200.00} XXXX In XX/XX/XXXX, my personal credit score reduced by more than 100 basis points, given Shellpoint Mortgage had submitted a false credit report stating I missed my monthly payment. It was due to their incorrect billing and internal accounting systems, that created the discrepancy. 

I requested an investigation and raised an inquiry case with a Shellpoint Mortgage CSR for reasons leading to the increased monthly mortgage payment. After looking at my case file, the CSR claimed that Shellpoint Mortgage had paid my property taxes and hence the added additional amounts on my monthly mortgage payment. 

Without my written consent and with no written email notification or mail correspondence, Shellpoint Mortgage unilaterally distributed the property taxes amount due ( paid on my behalf ) for my property evenly on a 12-month basis. 

I explained to the Shellpoint Mortgage CSR I had paid my XXXX property taxes due at this time and no additional monthly payments should be added or associated to my monthly payment amount. She claimed to have documented our discussion and would put in a request with the Shellpoint Mortgage Tax department to investigate. She provided the Tax Dept contact no ( XXXX ) XXXX Attached is a copy of property tax payment made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states 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 purpose.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 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 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I told this company to cease all communication. but this company is still showing on my report I know that consumer law cease of communication also meant to stop the communication of whats being reported on my consumer report. Stop communicating on All MEDIUMS DIRECTLY AND INDIRECTLY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; U S DEPT OF EDXXXX XXXX Balance XXXX {$700.00} ; U S DEPT OF EDXXXX XXXX Balance : {$610.00} ; U S DEPT OF EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00} ; XXXX  XXXX Balance XXXX {$200.00} ; XXXX  XXXX Balance : {$680.00} ; XXXX  XXXX Balance : {$47.00} ; XXXX  XXXX Balance : {$47.00} ; US DEPT ED XXXX Balance : {$390.00} ; DEPTEDXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$210.00} ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX Balance : {$1000.00} ; XXXX  XXXX Balance : {$0.00}.
Product: Payday loan, title loan, or personal loan

I have been locked out of my account due to an ongoing problem verifying my date of birth. It has something to do with XXXX. I have called NUMEROUS times and this last time is was SUPPOSED to have been resolved. Well it hasn't been and I still can't access my Affirm credit. I was supposed to have received another verification link since the first XXXX expired and yet I'm still unable to access my credit. You people must be idiots. XXXX XXXX XXXX  is it going to take to get this fixed?
Product: Credit reporting or other personal consumer reports

PLEASE DELETE THE FOLLOWING INQUIRIES THIS IS FRAUD. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing all collections and closed charge offs on my TransUnion, XXXX, and Experian credit reports due to their lack of a thorough investigation. My father, XXXX XXXX, has been consistently using my information including my name, my former name, and my social and birth date to gain credit on his behalf since I was a minor. This activity has continued up until XXXX when he was finally incarcerated for unrelated crimes. Several times each year since XXXX, I have reached out to all three credit bureaus to dispute the collections and late payments that my biological father racked up using my information. I have been taken to court over some of these debts where no judgements have been made against me because the debt isnt mine. 

I believe there investigations are lacking as every time Ive disputed the debt as fraud they come back within 2 days time saying its verified. Over the years Ive provided police reports to no avail, the information just stays there. This has prevented me from getting favorable rates with my mortgage, and almost made it impossible to get a mortgage at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account has been disputed back in 2022 and this account DOES NOT BELONG TO ME NOR AM I RESPONSIBLE FOR THIS ACCOUNT. The bureaus nor the creditor was able to prove to me that I was the owner and by law that Is illegal and everything has to be removed per 15 usc 1681b! I am so disappointed with the companies and I do not want to have to take legal action. I am giving you all 1 more chance to make the situation better and finally FIX THE ISSUE BY REMOVING THE FRAUD ACCOUNT THAT DOES NOT BELONG TO ME FROM CAPITAL ONE AUTO FINANCE.
Product: Credit card or prepaid card

I applied for a credit card with Barclay approximately XXXX years ago. My bill has always been paid on time. However, I never received an increase in my account. Once the corporate office was contacted, I received an increase. My mother passed from XXXX. In XXXX, 2022, I had to take care of her final bills. Therefore, I utilized my credit cards more than usual. Because of this, my credit score dropped. However, I wasn't concerned because I knew that it would only be temporary. Barclay immediately cut my credit limit without notifying me prior to doing it. When called they stated that I would be receiving a letter in the mail. They did not contact me to see if it there was a reason, they just did it. XXXX XXXX score has returned to almost normal at this time. I called Barclay on Friday, XX/XX/2022, and spoke to XXXX ( ID # XXXX ) concerning this matter as well as my interest rate increase. She confirmed that my interest did increase & I was not notified. This is an issue because they are supposed to notify their customers. Also, she stated that I would have to apply for an increase. This is an issue because I should not need to do so. She stated that it is a system automatic and I know that this is not the case. Barclay penalized me when I was dealing with my mother 's death. I do not appreciate this. Barclay did not wait to see if my score would remain low, they automatically decreased my limit. No one should be treated in this manner. - XXXX XXXX XXXX