23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint regarding an issue I have encountered with a credit card provided by Synchrony Bank, specifically in relation to my purchase at PC Richard store. I believe that there has been a significant error and overcharging on my account. 

In XXXX XXXX XXXX, I made a purchase of a refrigerator at PC Richard store for a total amount of {$630.00}. I diligently made my payments, ensuring that the entire amount was paid off within XXXX  months from the date of purchase, as per the terms and conditions of the credit card agreement. 

However, upon reviewing my recent bank statements for the month of XX/XX/XXXX, I was shocked to discover that Synchrony Bank had imposed fees and interest charges that amounted to over {$450.00} for one interest category and an additional {$250.00} for another interest category. This was in direct contradiction to the terms of our agreement, as I had fulfilled my payment obligations within the stipulated XXXX period. 

Immediately upon discovering this discrepancy, I contacted Synchrony Bank 's customer service to rectify the issue. I provided them with a detailed explanation of the situation and requested that they review my account and remove the unwarranted fees and interest charges. However, to my dismay, the bank representatives declined my request and were unwilling to thoroughly investigate the matter. 

I believe that Synchrony Bank 's actions in imposing these fees and interest charges are not only unwarranted but also in direct violation of the agreed-upon terms. I have adhered to the terms of the credit agreement, and I am entitled to a refund for the overcharges, which total over {$500.00} in interest alone.

I kindly request that the Financial Consumer Bureau investigate this matter promptly and thoroughly. I seek resolution in the form of a refund for the erroneous fees and interest charges imposed on my account. I have attached relevant documents, including bank statements and payment records, to support my case. 

I appreciate your attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me if further information is required. 

Sincerely, DJ
Product: Credit reporting or other personal consumer reports

A Lexisnexis report has prevented my to get affordable homeowners insurance. I purchased my home XX/XX/2021. There a XXXX insurance claims for my home from the previous owners. I should not be punished with higher insurance premiums or denial of insurance because of claims made by someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

After forwarding all the documents needed for my Dispute along with an official police Report with a UCC filing from the Secretary of state for Illinois showing there is no Debt Registered, these credit Bureaus still did not remove this from my file claiming the contacted the Bank and verified this account with no evidence to me which is against FDCPA Law and violates consumer protection law.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX and Experian are reporting fraudulent and inaccurate information from 3rd party debt collectors, No consent was given to report to 3rd party. They are in Violation of the Privacy act of 1974, The Consumer information is being shared other 3rd parties without my knowledge or consent. XXXX should not be on the personal credit file. Evidence have been submitted that the company was sent an opt out notice from reporting 17 CFR subsection 248.124, subsection 248.125, 248.126, and furthermore This is a charge off which is now consider INCOME according to the IRS publication and now need to be removed. wasn't given. All of the 3 Credit agencies are being furnished with false and inaccurate information and a violating the consumer privacy. 15 US code 1681b states Any consumer reporting agency that furnished a consumer report under the following circumstances and or other. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 15 U.S. Code 6801 - Protection of nonpublic personal information to insure the security and confidentiality of customer records and information. to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. This is security fraud. Unfair practice and deceptive acts, False information reported.
Product: Debt collection

My records associated with the account XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 do not complement with what the Credit bureaus may claim as a " validated as accurate ''. I had also requested the actual proof, physical firsthand documentation of the payment history and proof of last payment to XXXX XXXX XXXX & XXXX Balance : {$7600.00} Date Opened : XX/XX/2014 but I did not receive what I asked and these violations persist on my credit report.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/17 I was loading money that was sent to me thru western union to my western union Netspend card which they voided for no reason at all. I tried talking to them but no one would help me. It is hard talking to someone that does n't understand English language.
Product: Mortgage

After 10 years of no escrow account on a 15 year traditional mortgage, I was told I needed to have an escrow account. The new escrow account increased my payment an additional 21 % from the agreed amount on the loan origination. After attempting to dispute the creation of the escrow account, which at the time of loan origination was never set up and was declined because I pay my own property taxes and insurance, Rocket Mortgage ( formerly Quicken XXXX Loans ) refused accepting my monthly mortgage payment. Rocket Mortgage then assessed late fees on the new higher arbitrary number and held my payments without applying to the loan. This sent my loan into delinquency with a negative impact on my credit report, and late fees equaling a substantial portion of my monthly principle+ interest payment amount. Despite repeated phone calls, Rocket Mortgage proved unwilling to show any documents that allowed them to do this, and refused to provide any explanation other than there was a mistake on an insurance document.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, has violated my rights. This acconut has been on my consumer report for more than 7 years and should have been removed. 
XXXX XXXX XXXX, has violated my rights. I sent a debt validation letter in XXXX. It's been 45 days and I have yet to recieve the requested documentation proving I owe this alleged debt nor that I have ever engaged in business with this company. These items being on my consumer report is negatively impacting my ability to secure credit and loans. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I'm really sorry to hear that you're experiencing thisit sounds incredibly frustrating and upsetting. I can help you put together a formal statement that you can submit to the Consumer Financial Protection Bureau ( CFPB ). Heres a draft for your complaint : XXXX XXXX Equifax for Mishandling of Fraudulent Accounts and Violation of Consumer Protection Laws To whom it may concern, I am writing to file a formal complaint against Equifax regarding their mishandling of fraudulent accounts related to my credit report. Despite my repeated attempts to resolve this issue, I have been met with extreme disrespect and unprofessional behavior from their customer service representatives. I was yelled at by XXXX different representatives and hung up on XXXX separate occasions when I attempted to address these concerns. 

The accounts in question are the result of identity theft, which I have already reported to the Federal Trade Commission ( FTC ). According to the Fair and Accurate Credit Transactions Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, these accounts should have been removed immediately, as they were clearly linked to identity theft. Despite this, Equifax has failed to take the necessary actions to protect my rights under this law. 

Moreover, under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am entitled to have any fraudulent accounts removed within 30 days of notifying the credit bureau. These accounts have already been verified as fraudulent by the FTC, and there is absolutely no justification for Equifax to continue reporting them. Instead of cooperating with me to correct these errors, Equifax has made the situation even more stressful and damaging by disregarding my legal rights. 

Additionally, I am deeply concerned about Equifaxs failure to meet the standards outlined by the Consumer Financial Protection Bureau ( CFPB ), which has previously taken legal action against companies like Equifax for failing to investigate disputes in good faith. Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax is required to conduct a reasonable reinvestigation of any disputed information and remove any inaccurate or unverifiable details within 30 days. Equifax has not fulfilled this obligation, and their behavior has caused me undue stress and anxiety. 

I am extremely traumatized by the way Equifax has handled this situation. Not only have they failed to take my concerns seriously, but they also seem to be completely disregarding the severity of the data breach and the impact it has had on my life. The lack of accountability and professionalism is alarming, and I am afraid that my personal information is not being adequately protected. 

I respectfully request that the CFPB investigate XXXX conduct in this matter and hold them accountable for their failure to follow the law. I would also appreciate guidance on any additional steps I can take to ensure my rights are fully upheld and that my identity is protected from further harm. 

Thank you for your attention to this serious issue.
Product: Debt collection

This company is reporting multiple debts on my credit report. Ive sent a certified mailed letter asking the company to verify the debts and I have not received a response. 

The debt verification letter was sent XX/XX/2021 And received XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau : On XX/XX/XXXX, I received my first phone call from Citibank notifying me I had not paid a Home Depot charge. The Citibank employee ( XXXX ) investigated and found that I had not paid for a part that was ordered online in XX/XX/XXXX. 
I explained that I had not received a bill and she notified me that I had signed up for paperless billing. I would beg to differ that I also signed up to receive a paper copy as well however they did not have a record of that process. I was connected to a supervisor, XXXX at this time. 
XXXX stated I owed {$140.00} and I asked for a decrease and Citibank decreased the amount by {$37.00} which left a balance of {$110.00}. I also explained to XXXX the situation and that I had inadvertently missed the emails and they could not re-send what they had emailed me now. I said this sounds " fishy '', explained that I had an EXCELLENT credit score and pay my bills! So I paid Citibank {$110.00} on the phone. 
Now, I am looking at my credit score and it has dropped to " very good ''. I think this is un
Product: Money transfer, virtual currency, or money service

I used a service called wise, for personal and business purposes. They allow you to send money and receive in multiple currencies. i have used them for a decent amount od time. Out of the blue, they shut my account, which they are entitled to do. But i had about {$13000.00} in there! I didnt receive one email that my account was even shut, i only learnt this when i tried to sign in! Not one email that, hey your account is closed, but dont worry we will send you the money you legally own and are entitled to! They dont have any customer service or anyone to talk to. When you call they read everything on our website we cant help with anything. When a real financial institution in the United states shuts your account they dont take your money ransom and they constantly follow up with emails. On their website they make you fill a form to start an appeal to get your own money back that was seized from them! The only one in this country that has the power to seize money is the united states government, not some bogus 3rd party app thats not a financial institution! I demand correspondence, transparency and communication regarding my money seized. I think fake institutions like this should be banned from the united states, they are dangerous!
Product: Mortgage

I have a mortgage through Platinum Home Mortgage. I purchased the home XXXX/XXXX/12. I have had nothing but screw ups with them. My payment has gone up and down so many times. My son and his wife, daughter and her husband have the same type of loan with NO problems. I am at a fixed rate of 3.375 % and the beginning loan amount was {$110000.00}
Product: Checking or savings account

This is not report of the resolved matter as to XXXX XXXX XXXX XXXX CLOSED LAWYERS POOLED IOLTA TRUST account at Chase Bank XX/XX/XXXX ( {$93000.00} ) which is now reopened. It is attempt to ensure that such IOLTA account is not unnecessarily made subject to OIG, FINCEN, CFPB, HUD ( SAR, etc ), after I correctly reported in Washington Court of Appeals No 83722-2-I and Co. 20-2-00743-37 Superior Court of Washington at Whatcom county where further insurer payment has been announced as being delivered to support sham tort claims connected to a condemnation proceeding -- in which title insurer objections and HAMP refinance application was announced by interlocutory condemnors ( No. 09-2-01773-1 Superior Court Whatcom Co. WA ; appeal 68202-4-I remand for " confusion in the record '' caused by condemnors ' counsel ) who conceal the fact of the interlocutory condemnors ' RCW 8.24.030 condemnation pleadings -- that I personally refused money as an interlocutory condemnee for being 18 U.S.C. 1956 ( c ) ( 4 ) ( A ) ( iii ) " disguise '' " concealment '' proceeds from interstate financial institution fraud connected to interstate title insurer objections, 31 U.S.C. 3729 False Claims Act mortgage concealment fraud affecting federal reserve bank functions ( e.g. U.S. v. Wells Fargo ; Kraus, Bishop v. Wells Fargo ; see also CFPB v. Wells Fargo Baltimore Maryland U.S. Dist. Ct Consent Order ) 18 U.S.C. 1512 tampering, 1515 ( 3 ) ( A ) - ( D ) concealment misconduct during 18 U.S.C. 1951 ( 1 ) ( a ) Hobbs Act " tort '' claim extortion ( e.g. U.S. v. Koziol ) possible mortgage fraud, while the " tort '' claims have no legitimacy under state law ( Pelley v. King County ) but only as extortion. This is written to ensure that I am immediately available to explain the circumstances which caused Chase Bank XXXX XXXX closure of the Cottingham Law Office PS IOLTA trust account holding pooled trust assets of clients which are in no way related to the
Product: Credit reporting or other personal consumer reports

I looked at my Experian credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, If after any reinvestigation under paragraph ( XXXX ) 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 modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Creditor Information Creditor Information XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX OTHER ACCOUNTS XXXX XXXX Reported : XXXX XXXX, XXXX {$200.00} Needs Attention XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX {$7.00} Closed Hard Inquiries NEEDED TO BE IMMEDIATELY UPDATED/ DELETED SEE BELOW : XXXX MOTORS XXXX Inquiry XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX 2023
Product: Debt collection

This debt collector has not provided me proper debt validation for this allege debit Please delete this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management , Inc is claiming this account. The information sent to me to validate, shows the account has been charged off, so they are trying to collect a debt that was already paid by insurance protection. They say the original debt is XXXX XXXX XXXX XXXX The XXXX XXXX. This debt has been paid already and the fact they are trying to collect money on a debt that has already been charged off is not legal. I do not owe Midland Credit Management , Inc any amount. This needs to be removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

since XX/XX/2022 I've noticed on Equifax.com my credit score and only 1 card reporting in my history was not mine. I reached out to Equifax whom advised me that they see the issue with my online as they can visually see all 7 open accounts reporting on the backend on their system, who then assured me the issue will be fixed within 24hrs once we disconnected the call. in XX/XX/XXXX I applied for a loan which I was denied for as the lender advised I have no score with Equifax and history shows only 1 account. I called Equifax on XX/XX/XXXX as I remembered this was the same issue I was assured that was fixed back on XX/XX/2022 that was not fixed! I stayed on the phone 3hrs after being transferred and hung up on ; I worked with XXXX who told me that there was clinch with the company as she see all my accounts as we went over ALL 7 reporting accounts and disputed the account that was not mine. which since then was removed. after waiting 3 hours the agent advised that this something that will take longer and will have to call me back within 72hours. XX/XX/XXXX I called as to get an update, I was advised that it was fixed XXXX. I checked my credit report while on the call and only one account was reported back and 1 account XXXX XXXX XXXX XXXX  ) that was not mine was added back. they told me there's nothing can done as they can't see my history anymore on they're side. and that I would have to tell all my creditors to report my payments to Equifax. I told them all my creditors never stopped reporting to Equifax. instead Equifax erased my credit history and stopped reporting my accounts no my creditors. The agent was very rude nonchalant advised there's nothing else that can be done. I asked to speak with a supervisor she stated that she is the higher up the ball stops here with her. I asked 4 more times she finally stated that she has a superior but he is very busy with other calls I can leave a request but he most likely won't call me back. I was in disbelief that a company that has access to a person livelihood can be so inconsiderate unprofessional non helpful and deliberately make you feel that your issue does not matter when Equifax is at fault for erasing my history. I put the request in and called back to try to speak to a supervisor and im currently now on hold
Product: Credit card

Subject : Reward Certificate Expired Without Proper Resolution Complaint Details : I am writing to file a complaint against Citi, which manages the XXXX XXXX XXXX XXXX. My wife and I have been loyal XXXX members and Citi credit cardholders for over 20 years. In XXXX, we earned XXXX reward certificates totaling {$24.00} ( mine ) and {$26.00} ( my wifes ), which expired on XX/XX/XXXX. 

Unfortunately, due to oversight during the busy holiday season, we did not redeem these certificates before the expiration date. Upon contacting Citi on XX/XX/XXXX, we were informed that the certificates had expired and that no action could be taken to assist us. 

While I understand the terms of the certificate, I am frustrated with the lack of flexibility or customer service consideration provided, especially given our long-standing loyalty to both Citi and XXXX. The refusal to provide any resolution, goodwill gesture, or alternative compensation feels unfair and dismissive, especially for a total of {$50.00} in rewards. 


Thank you for addressing this matter.