23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Shellpoint Mortgage Servicing hundreds of times regarding this issue and nothing have been done I initiated my loan originally with XXXXXXXX XXXX my email they promised me I will have online access unfortunately I do not have online access in order to view my account make payments I tried eating out to everybody involved in this mortgage unfortunately everybody is laughing because they have the power to just default me whenever they want and report me to the credit bureaus I initiated this loan with a condition that I will have online access for one reason if I don't have online access in order to do payments I have to wait on hold for hours and hours to talk to a representative to make a payment I'm asking the federal government to intervene overseeing a company who is not honest
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME 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 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 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XXXXXX/XX/XXXX
Product: Credit reporting

Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX, XXXX, XXXX XXXX, XXXX, and XXXX 2007 account.
Product: Credit reporting or other personal consumer reports

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. I kindly request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXXXXXX fraud, Claims true identity fraud/account fraudulently opened, Claims inaccurate information. Please delete and remove.
Product: Consumer Loan

My personal checking account I had linked to my Rise Credit account for XXXX payments was " Hacked '' into online and Rise Credit failed to/would n't update my new banking information so I could make payments and ultimately " charged '' the account off when I was fully in contact with them and ultimately paid the full balance to include interest. Due to this my credit score dropped over XXXX points and this was 100 % unnecessary
Product: Credit reporting, credit repair services, or other personal consumer reports

I have request that my freeze be removed permanently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XX/XX/XXXX SS XXXX I have update my address with the UNITED STATES POSTAL SERVICES as well. Please remove any and all Security freezes at once.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I made a one-time donation of {$25.00} to an XXXX XXXX organization on XXXX through XXXX. I printed the receipt which states in black and white : ONE-TIME donation. I did this donation through my Paypal account. 
I noticed a few months later that Paypal had additionally withdrawn $ XXXX for the months of XXXX and XX/XX/2021 to XX/XX/XXXX - COMPLETELY UNAUTHORIZED BY ME! I disputed the total of {$50.00} that had been taken from my Paypal money and transferred to XX/XX/XXXX with Paypal several times and they insist they did nothing wrong - I disputed further with Better Business Bureau - twice, and both times they refuse a refund. I have conveyed copies of the receipt I mentioned above to both Paypal and BBB. I do not understand how I can make a donation - never seeing an option to make it recurring and having NEVER indicated that I wanted it to be recurring- and printing the receipt which actually states " ONE-TIME '' FOR " HOW OFTEN '' the donation is made. Isn't it illegal to mishandle MY MONEY by Paypal in this way? If you can not help can you tell me what financial regulation agency I can appeal to that regulates Paypal 's handling of people 's money? Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 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 These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Mortgage

I am XXXX veteran exempt from property taxes. I have submitted necessary paperwork to SPS for decrease mortgage since property taxes do not apply. However, SPS has not done this since my submission in XX/XX/2023. I have made several attempts to contact SOS for assistance to resolve this issue and nothing has been done. I can not contact to escrow department and neither can persons at XXXX. 
I have always been told the process will take XXXX days but this has been an issue since XX/XX/2023.
Product: Credit reporting

I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account associated with the email address XXXX. I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation.

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I look forward to a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

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

On XXXX different occasions I was told by Equifax agents that these XXXX inquiries will be removed from my credit file XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX The confirmation number on XX/XX/XXXX I was given Equifax Com number XXXX XXXX confirmation number clearly shows that the XXXX above inquiries were to be deleted from my credit report by a fraud representative from Equifax it states that all the documents were handed in properly and still to this day it's not been removed note that this is the third time a different confirmation numbers previous confirmation numbers were XX/XX/XXXX Equifax confirmation XXXX XX/XX/XXXX XXXX Equifax co # XXXX XXXX XXXX XXXX inquiries that was XXXX more inquiry from XXXXXXXX XXXX that was XXXX XXXX on XX/XX/XXXX This was also promised to be removed for me and still remains on my credit report So in total there are XXXX inquiries since XXXX of XXXX that had been promised to be removed and have not the confirmations number above represent confirmation numbers that Equifax has given me proven that it will be removed My social security number is XXXX XXXX XXXX On the next screen it will not allow me to put in the last four digits for some reason so I'm putting it here
Product: Credit card

I suspended auto-pay on my AMEX account and the notification I received confirming this on XXXX/XXXX/15 gave no indication that this was only for three months. Today, I received a notice that payment was processed through auto-pay to my checking account for an existing balance of {$5600.00}. When I logged into my account earlier in the week, there was no indication that any payment was scheduled or pending as it still is prompting me to make a minimum contribution by XX/XX/XXXX. When I contacted AMEX today, they said that they had my written consent from before and they unfortunately could not cancel the transaction because it had been processed. They reactivated auto-pay without any warning to the amount or what checking account would be debited. All of my recent transactions have been scheduled as one off contributions towards the middle of the month for amounts no more than {$2000.00}. When I suspended auto-pay years ago through AMEX, they clearly indicated in the e-mail that this was only for a three month window. Their notice this time had no such limitation and instead they have changed their website and communication such that key terms are not explicit to the consumer.
Product: Credit card or prepaid card

Barclay XXXX sent a letter dated XX/XX/XXXX to restore credit card use for XX/XX/XXXX, that they erroneously CLOSED in XX/XX/XXXX. Instead, the account remains closed. Todays date is XX/XX/XXXX ; more then enough time for a resolve a simple mistake. At this time, I would like the company to stop harassing me and either restore the credit status or delete my name from their company 's record. I despise doing business with incompetent individuals who poorly represent an institution. Save your energy and time for more challenging jobs. Thank you
Product: Checking or savings account

On XX/XX/2017, I attempted to close my checking account at Key Bank and since the bank charges for a bank check, the teller suggested I take the amount in cash. I received {$3700.00} mostly in {$100.00} bills. I counted the money before leaving the teller and placed it in an envelope provided by the bank. I went from there directly to XXXX XXXX XXXX  to deposit in my savings account. When the teller counted my cash she immediately determined that one of the bills was counterfeit and confiscated it. They called Key Bank as a courtesy to check if they had any other bad bills. The next day I went to Key Bank to see what they would do and after profusely apologizing, they said the first thing they needed was proof that the bill was counterfeit. I stopped again a couple weeks later and was told that after checking with someone in a main office they were told that once I left the bank it was my responsibility, not theirs, and they were not going to do anything. 
The problem is, I know they gave me a bad bill, and the local branch knows they gave me a bad bill, but the official word is " We are not responsible ''. So I am out {$100.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing information on my credit report with Experian since XX/XX/2023. Since then I have also disputed these same items XX/XX/XXXX and XX/XX/XXXX. Giving Experian XXXX days each to furnish proof of the requested item I disputed. Each time within 5 days the account just come back verified with NO PROOF of investigation and NO PROOF of late payments or even the accounts as I requested. I also reached out to XXXX in regards to bankruptcies that are on my credit profile. XXXX said they are only showing XXXX chapter 7 and Experian is showing XXXX bankruptcies. While my XXXX is not showing any bankruptcies. Also the XXXX account is showing as a charge off with a credit limit which is a reporting violation. The XXXX and XXXX account are showing late payments in which I asked for proof of late payments XXXX XXXX and have not gotten it. I am requesting that these bankruptcies, the XXXX, XXXX XXXX, XXXX and XXXX XXXX accounts are removed from my credit report ASAP as they have had over XXXX days to complete their investigation and furnish proof.
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 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 and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

I took out a loa n from My Rich Uncle i n  XXXX , which was taken over by Younomics. In  XXXX , I joined the  XXXX   XXXX . Pursuant to the Servicemembers '  Civil Relief Act, my lender should reduce my interest rate to no mo re than 6 % - they refuse to do so. I am currently being charged 10.75 %, and am still on  XXXX   XXXX . I have consulted my installation legal attorney, who suggested I file a complaint with the CFPB.
Product: Credit card or prepaid card

In re account : XXXX XXXX XXXX XXXX Enclosed you will find two checks : one in the amount of {$92.00} ( the original XXXX XXXX XXXX  purchase ) and the other for {$160.00} for fraudulent and usurious charges related to the incompetence of XXXX XXXX XXXX and Synchrony Bank.

Under protest, these checks satisfy the unprofessional and incompetent actions of all parties.

To review the events leading up to this incredible circumstances : 1. I purchased {$92.00} worth of merchandise at the XXXX XXXX store in XXXX XXXX XXXX OH in XX/XX/XXXX.

2. At checkout, the clerk asked if I would like to have an XXXX XXXX   credit card since it would give me a discount on the days purchases.

3. I agreed and the XXXX XXXX  clerk filled out the application on her computer. That apparently included my address in Florida, and I included my condominium unit number. Without the unit number, the Postal Service can not /will not deliver mail. Apparently the XXXX XXXX XXXX   clerk failed to enter the entire address.

4. At some point in the XXXX XXXX/Synchrony Bank billing process, there was a failure to include my condominium unit number ( see attached bill and highlights ) 5. Due to XXXX XXXX/Synchrony Bank failure to include the condominium unit number, the Postal Service did not/could not deliver the bills from XXXX XXXX.

6. Consequently, I could not pay bills that I never received.

7. Beginning in XX/XX/XXXX I began to receive calls from XXXX XXXX XXXX XXXX. that I had an outstanding balance due Synchrony Bank.

8. I immediately called Synchrony bank ( a singularly frustrating process in itself ) and was told that there were no outstanding charges with Synchrony Bank. Synchrony Bank could not/did not identify their relationship with the XXXX XXXX credit at that time.

9. At that time I assumed this was another internet scam and did not respond to XXXX.

10. Subsequently, in XX/XX/XXXX I received another call from XXXX   about a past due amount that had been turn over for collection. I again called Synchrony Bank and this time was told this was related to unpaid XXXX XXXX  charges.

11. I sent a letter on XX/XX/XXXX ( copy attached ) to XXXX XXXX  outlining the issues and requesting confirmation of the bills. I received these on XX/XX/XXXX. As you can clearly see from the billings, there is and was no apartment or unit number on the bills the result of which is that I never received the bills. Once again I called Synchrony Bank and talked with an offshore representative ( in XXXX ) and he indicated that he could do nothing since Synchrony Bank had turned the account over for collection. A clear error in business practices on the part of XXXX XXXX and/or Synchrony Bank.
Product: Checking or savings account

Since XX/XX/2020, Santander Bank has been charging me Overdraft Fees for purchases I originally had enough balance to cover from. 

I have activated all the types of Overdraft protection given by this bank : Even my card is not supposed to authorize any payments when I don't have enough funds to cover a purchase, and still, overnight my balance becomes negative and therefore I'm charged. I'm very tired of discussing with the bank people who can only 'speak to what they see ' and don't know the processes of their own products. 

There's even XXXX transactions authorized in my account that supposedly overdrafted it, however, XXXX doesn't authorize any payments unless you have funds to cover them So, how did XXXX was capable of overdrafting my account in the first place?
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) biling error- ( 4 ) The creditor 's failure to reflect properly 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 of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. ( dispute_item_and_explanation ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because I've been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney General XXXX XXXX, XXXX XXXX XXXX  and Federal Trade Commission ). 

This was not certified mailing so this not valid this a violation. 

Sincerely, XXXX XXXX and XXXX XXXX
Product: Checking or savings account

On Friday XX/XX/year> I deposited a check that was wrote out to me. The check was {$4000.00} and was pending for verification until XX/XX/year>. On XX/XX/year> I tried to use my card and it declined. Check the account and it stated call Capital One you can not withdraw funds. Contacted them and spoke to someone and took the hold off my account then spoke to someone else that stated the funds could not be verified and put the hold back on the and stated the account will be closed. I provided the name of the person who wrote the check address number and what was the reason for the check. And they stated they still couldnt verify the person. Called XXXX days in the row with the same thing telling me to call back. And today they stated the account is closed the decision was made today but there is not XXXX over my account yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and I keep being asked about a mortgage and other things that I am no where affiliated too. Specifically an address is XXXX so now I am afraid that there has been a breach somewhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$650.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}, XXXX ( Original XXXX : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance {$120.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.