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

On XX/XX/XXXX I paid the full account balance of XXXX. When the balance was XXXX I selected the balance transfer option on the capital one app. It offered me 0 % interest for 12 months on a balance transfer with a 3 % fee. I selected that option and the balance transferred XX/XX/XXXX and I was assessed the 3 % fee on XX/XX/XXXX. On the XXXX and XXXX statements was charged interest on purchases. I have made no purchases. I only has the balance transfer which was to be XXXX percent. I spoke with capital one and they insist that offer didnt exist. That I instead had an introductory rate and it expired in XXXX. This is completely false and they refuse to honor the agreement. I escalated to a supervisor and was told there is nothing anyone can do and that the offer I selected never existed.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft. 

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I got an alert from my credit monitoring service today that 8 of my accounts had been closed. When I went online and checked, all 8 of my credit card from Synchrony bank ( TjMAX, JC penney, Lowes, XXXX, paypal credit etc ... ) they've closed. My credit report is clean, credit score is at XXXX, all of them are in good standing. 6 of them had {$0.00} balance, they all have high credit limit, never missed a payment, I've always pay them of early. I called customer service the explanation they gave me that something had change in my credit report, in fact there is nothing change in my credit report, I checked all 3 credit bureaus and they are cleaned and nothing in my credit that warrants this action from Synchrony Bank. This will affect my credit score very badly! this is my financial lively hood they playing with. 



I will never trust Synchrony Bank again! and will never do business with them! DO NOT TRUST THIS COMPANY THEY WILL RUIN YOUR CREDIT!!!!
Product: Money transfer, virtual currency, or money service

I have been using Zelle since 2019, I use to send and receive money with friends and family. I have never once done anything against company policy, I have never scammed anyone or did anything fraudulent. Zelle won't let me use my account since XXXX, and I spoke to a representative, but they couldn't give me any information. I am willing to provide proof of any kind that they XXXX need for me to prove I have not done anything against company policy. Zelle is the way I transfer money to and from friends and family because of its convenience.
Product: Mortgage

My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and I was approved for a modification in the amount of {$1600.00} per month that I could not afford now. I have a change of circumstance and has been approved to opt out for the reason of medical problems XXXX that I have been diagnosed by my medical doctor. I have been back and forth to the hospital everyday undergoing XXXX. My wife is no longer living with me and my only income is {$760.00} per month XXXX. I was informed by my relationship manager that my approval to opt out of the previous mod was approved. I contacted Bank of America relationship manager and was not able to speak with him. Spoke with another relationship manager and was told I was declined for the modification that I opt out of that was told to me I was approved to do and start another modification process and would take ten days. My loan was originated FHA that I was approved to opt out. When I contacted the office on XXXX XXXX a relationship manager said my contact was not available and told me I was going to loose my home if I did not short sale or pay the entire balance owed on the home. She did not assist me on applying for a new modification just very rude. Did not care that the lender was not going to get any money for mortgage payments at all. I informed her I was going to file a consumer complaint again the lender for failing to assist me in saving my home, She said go right ahead. I informed her that I have to go back to court on XXXX XXXX and she said at that time I would be put out of my home. I was told that it would take 10 days for my modification for Change in Circumstances to be review and I informed her my wife has walked out and left me as well. My only income will be to pay the mortgage. She did not care. Very Rude Lady. Please assist
Product: Mortgage

We applied to PNC Bank, NA to refinance our current mortgage on XX/XX/2019 at a promised low-interest rate compared to our current mortgage. We heard from the PNC Bank subsequent to the home appraisal about the refinance. However, the terms have been changed substantially and we fused the loan to refinance under these terms. Then, we received a revised refinance loan-term, in writing, on XX/XX/2019 with a stipulation of a loan closing date of XX/XX/2019. We promptly signed the documents ( copies attached ) on XX/XX/2019 and sent them to the Bank expecting a closing of the loan on or after XX/XX/2019. However, we never heard from the Bank yet. We have spent hundreds of hours pursuing this loan and most importantly, we did not apply to any other Bank at the same time. However, PNC Bank has not lived up to its written agreement to refinance the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received copies of my credit reports and saw that there were inquiries on there that I did n't authorize. I called all   XXXX   of the bureaus (  XXXX , equifax, and  XXXX  ) and they all told me the same thing that they are n't authorized to remove those inquiries that I had to call the companies in which the inquiries came from. Well, I did that and the companies referred me back to the credit bureaus and they told me once again that they are not authorized to change anything. It 's been a lot of back and forth and I am not satisfied with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ONLY BEEN ASSOCIATED WITH XXXX ADDRESS AND THAT IS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX WITH TELEPHONE NUMBER XXXX ANY OTHER ADDRESS OR PHONE NUMBER ON MY CREDIT REPORT IS INCORRECT AND WANT THEM TO BE DELETED WITH ANY ACCOUNTS ASSOCIATED WITH IT
Product: Money transfer, virtual currency, or money service

XXXX ) I bought a belt from a company- XXXX  on XXXX  on XX/XX/XXXX which was for {$85.00} XXXX ) They didnt send me the belt, I kept following up for a month where is my package but never received it. 

XXXX ) I asked the company to refund my amount as I havent received the product. They sent {$440.00} ( via PayPal ), which the seller company mentioned was a mistake. However, the belt was for {$85.00}. 

XXXX ) Yet, I transferred back the extra amount on XX/XX/XXXX which is {$330.00} ( After removing the cost of belt and PayPal fees ) via XXXX  app ( since it was to XXXX account ) ( XXXX  reference number : XXXX ). The company received the amount on XX/XX/XXXX. 

XXXX ) On XX/XX/XXXX, they filed dispute on my PayPal account. PayPal reached out to me regarding this dispute and I provided enough evidence that this is clearly a scam. However, on XX/XX/XXXX, Payal took out money {$420.00} from my account leaving my account in negative balance. 

XXXX ) I reached out to PayPal telling this is a scam from this company. However, they mentioned since the excess amount was returned from third party application, PayPal can not take any action on this transaction Please let me know if you need any of the evidence, I have secured all the images of conversation as well as transaction IDs.
Product: Mortgage

I am over 12 months behind on my mortgage. I have tried calling, emailing, leaving messages ... no one will return my calls or email. ( Ditech financial is the company ). Literally the 2-3 times I have actually gotten to talk to someone they have been rude and no help. One lady even laughed at me while I was on with her because I was so far behind. I bought this home new in XX/XX/XXXX, I have raised my kids here and I owe less than $ XXXX on it and I am going to loose my home because they refuse to work with me. The couple time I spoke with someone they told me that if I could not pay the WHOLE pastdue balance dont bother sending anything at all because they would still foreclose!!?? Really??? who says that!!!! You can go here and read their review and you will find that 95 % of their customers are being treated the same as I am. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Went car shopping with my daughter ONLY on XX/XX/year> and decide not to move forward with the purchase as it was a horrible deal. However, XXXX XXXX  continued to run both my daughter and my credit the following day without verbal or written consent, In hopes to still make a sale that we were no longer interested in. Because of the lack of transparency from XXXX XXXX representative, ALL inquires need to be deleted immediately. Also during the one- day visit at the dealer, we received misleading information, when trying to elaborate that the information on the credit report was incorrect and wanted to see about a reconsideration by dealer calling the finance company, in which was denied. The running of my credit was very excessive and I was only advised on it being ran through XXXX banks and not all the numerous banks.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XX/XX/XXXX Wells Fargo Bank, XXXX XXXX XXXX, XXXX XXXX, IA XXXX RE : Personal Line of Credit Account # XXXX I am Wells Fargo Customer since 2008 and I am maintain may checking, Saving, Credit card and Personal Line of Credit good standing Today I found out your bank closed my account without informing me. I am so disappointed. 
Please explain to me why is my account has been closed and please reconsider to reinstated due to 9 years relationship with your bank. 
More information call me on ( XXXX ) XXXX Thanks XXXX XXXX XXXX
Product: Debt collection

Sunrise Credit Services contacted me by my home phone, ( land line ), on XXXX XX/XX/XXXX, saying they are a collection service hired by XXXX XXXX XXXX XXXX to collect a debt of approximately {$6900.00}. this account was opened in XX/XX/XXXX. I told them I do not have an XXXX XXXX XXXX XXXX account.
Product: Checking or savings account

I have several Featured CDs with the bank. When the Featured CD matures, the bank 's policy is to automatically renew the CD to a Fixed Term CD instead. The current annual percentage rate with a XXXX term for a Featured CD is 4.35 %, but for a Fixed Term CD is only 0.03 %. I have a XXXX matures today which is a Sunday. When I called to renew the CD back to a Featured CD, the bank 's agent couldn't do it because its XXXX department is closed on Sundays. In that case, I have to call back another day and I lose interest for today. The difference between 4.35 % and 0.03 % in my case is about {$3.00} per day. If the bank 's CD department doesn't open on XXXX, why does the bank make CDs maturing on Sundays. Also, why does the bank automatically renew a Featured CD to a Fixed Term CD upon the XXXX 's maturity? If the bank 's customers don't pay attention to the XXXX renewal notices and/or the customers don't have time to call during the grace period, they lose a lot of interest on it.
Product: Credit reporting

Hello, I have submitted letters as well as online disputes with documentation to all XXXX credit reporting agencies. This is court documentation proving the account ( XXXX ) they are reporting on my credit is not mine and it was dismissed in a court of law in the state of Massachusetts ( in 2013 ). They have yet to remove this from my credit reports. I am attempting to purchase a home and the credit bureaus are making this an impossibility for me. I do not know what to do from here. I 'm applaud that they are ignoring legal documentation ( which is readily available to the public on the court website ). 
I thank you for caring, XXXX
Product: Debt collection

I am appalled by the persistence of a fraudulent account on my credit report, despite Identitytheft.gov reporting and the bank confirming its validity. Other bureaus have already removed it. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I believe that my XXXX Brother, XXXX XXXX 's information is being reported on my account. My Social ends in XXXX while HIS social ends in XXXX. I have tried to dispute all the below with the companies but with no prevail or call back. 

Starting with the inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX- Did not apply for an autoloan at that time. 
XXXX XXXX XX/XX/XXXX- Same day as before, did not apply for autoloan XXXX XXXX XXXX   XXXX= XX/XX/XXXX Did not apply for autoloan XXXX - Did not apply for auto loan XXXX XX/XX/XXXX - Already have services ( est XXXX ), did not apply XXXX XXXX- XX/XX/XXXX Did not apply for auto loan XXXX XX/XX/XXXX- Did not apply for autoloan XXXX XXXX XXXX  XXXX XX/XX/XXXX- did not apply for auto loan XXXX- XX/XX/XXXX- Did not apply for auto loan All these are showing on all 3 of my reports. I have had issues in the past with my XXXX brothers items winding up on my report. All these are do NOT belong to me and I am unsure if they belong to him. I have fozen my credit as I believe there might be fraud involved.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I took out a loan through XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on Experian I found that the loan from XXXX was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted XXXX and received a Loan Verification letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both Experian and XXXX multiple times, each of them blaming the other. Experian defended that XXXX was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to XXXX  again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This statement serves as a request to remove the listed accounts and inquiries from my credit report because they do not belong to me. Im preparing for a purchase and while reviewing my credit report, I noticed several discrepancies. These items need to be removed from my credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. There are also several inquiries on my credit report that need to be removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I've made a complaint with the FTC and attached it to this. I want to resolve this as quick as I can. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a complaint with Total Card inc Previous Complaint was XXXX, My complaint was for the company to send me viable evidence bearing my signature showing the account and the original contract, they failed to send me proof with my name and proof of the account with my sign legal name,,, I am the consumer and I have the rights to see and overlook the account information and I have asked for the proof of the account with my name on the original contract, they have not sent it and that's is a violation of my rights .... I am obligated to file a small claims suit due to total card still failing to send me proof of the alleged account,,, you are now asked to delete the account from my credit from all 3 credit bureau,,, you were given 30 days to send me proof and you still failed to send,, please delete the account from my credit file,,, you are in violation. I have repeatedly asked for evidence to support your reporting but yet again you have failed to provide me with a copy of any viable evidence, Total visa is in violation of the Fair Credit Reporting Act. On XX/XX/2018 Total Card responded to my complaint and stated that the signed contract was attached to the response but there was no account contract attached,, Total please delete the account from my file or I would be subject to file a small,, claim I have proof that I have asked several times for proof and you failed to send it,, you may be liable for your willful non-compliance, I have copies of the attached document that was sent to me as the response from total card which did not provide the contract or anything with my signature on it,,, I have pictures enclosed of the only items that was attached to the response from TOTAL CARD ON XX/XX/2018,, didn't send the paper work,,, in violation of the federal law In they response is says the account contract was available,, I have took pictures to show that the attached response didn't have a contract with my name on it,,, or any contract