23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I opened up a synchrony card through a XXXX promotion. I scheduled bill pay to be set up through my XXXX XXXX account. I mistakenly added the wrong address to the bill pay ; the XXXX headquarters instead of synchrony 's address. 

The first XXXX of XXXX payments went through electronically so I did not catch the mistake. These reached Synchrony card and those transactions were cleared as paid. 

Payment XXXX - XXXX - {$54.00} Payment XXXX XXXX - {$120.00} This is when things changed : Checks started to be cashed in person at XXXX XXXX  XXXX XXXX - XXXX This charge was the same amount for XXXX that was electronic. 

Check XXXX - XXXX {$52.00} Check XXXX - XXXX - {$120.00} Same as the electronic payment above. 
Check XXXX XXXX - {$43.00} Check XXXX XXXX - {$130.00} Check XXXX - XXXX {$49.00} XXXX I spoke with XXXX at XXXX XXXX XXXXXXXX and he worked to resolve the issue by stopping any further checks from being cashed. The first XXXX were too late. He was able to stop XXXX check. Letter included.

All these payments were cashed from a printed bill pay check manually at chase bank. I have spoke to XXXX and XXXX multiple times and they are not even affiliated with each other at all. That is the first time I realized that this was fraudulent activity. XXXX XXXX  confirms the fraud with letters attached to check. 

Synchrony refund me the full amount of the XXXX checks {$450.00} on XXXX I thought the issue was resolved. Then on XXXX Synchrony added all these charges as a correction back to my account with an additional interest of {$5.00} I have paid all of these payments in full, someone has the money through a chase bank. The back of the checks show the chase information. 

Please help me get this resolved.
Product: Credit card or prepaid card

I received a Lowes ( Synchrony ) card in XXXX of 2017 with a limit of {$3000.00}. I purchased a hot water heater and a few other items and paid it off before the 6 months interest rate promotion was over. In the Summer I attempted to purchase a few more items and was denied because my credit limit was reduced significantly to {$100.00}, I was in the store, spoke to customer service and they called to see what was going on. I was told that they did a credit check and decided to reduce my credit limit. I was livid and they said there was nothing they could do and maybe in 6 months I could see if the credit limit could be increased. I proceeded to purchase the items with the credit I had available and immediately paid that off when the bill came. Fast forward to last week, I received a letter stating the account has been closed because of a credit check. Please note, I do n't have a balance on this card. I believe this credit card company has ruined my credit. I have other store cards and credit card companies increasing my limit while Lowes/Synchrony is decreasing my limit and closing my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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. 

Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : DEPT OF EDUCATIONXXXX  # 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 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

XXXX XXXX XXXX XXXXXXXX, under the leadership of its CEO, XXXX XXXX, shared a consumers personally identifiable financial information without the consumer 's authorization. This action deprived the consumer of the right to exercise nondisclosure options, constituting a potential case of aggravated identity theft.

1. 15 U.S. Code 6801 ( Protection of nonpublic personal information ) mandates that financial institutions protect the confidentiality of their customers ' nonpublic personal information.

2. 15 U.S. Code 6802 ( Obligations with respect to disclosures of personal information ) requires financial institutions to provide customers with notice and the opportunity to opt out before sharing their personal information with non-affiliated third parties.

3. 18 U.S. Code 1028A ( Aggravated identity theft ) imposes penalties for knowingly transferring, possessing, or using another person 's identification information without lawful authority.

4. 15 U.S. Code 1681a ( 2 ) ( i ) specifies that experiences between the consumer and the person making the report are excluded from the consumer report unless consent has been given. 
In this case, XXXX XXXX XXXX XXXX is sharing the consumers personally identifiable financial information, including full name, Social Security number, account numbers, and transaction history, with non-affiliated parties XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, EQUIFAX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX, XXXX without obtaining the consumer 's explicit consent. This sharing of information occurred without providing the consumer with the required notice or an opportunity to opt out, as stipulated under 15 U.S. Code 6802.

The absence of an opt-out option and failure to notify the consumer is a breach of the protection rules outlined in 15 U.S. Code 6801 and 6802. Furthermore, the unauthorized dissemination of the consumers personal information may fall under aggravated identity theft, as defined in 18 U.S. Code 1028A, given the potential misuse of the consumer 's identity information without lawful authority.

Additionally, the consumer 's interactions and experiences with ABSOLUTXXXX XXXX XXXX XXXXXXXX, if shared without consent, contravene the provisions of XXXX XXXX Code XXXX ( XXXX ) ( i ), which excludes such experiences from consumer reports unless explicitly authorized.
Product: Money transfer, virtual currency, or money service

On the date of XXXX XXXX - XX/XX/2017 UTC I made a sell order of XXXX Ethereum, trade ID XXXX. The " price locked in at that moment '' was ( USD ) {$2600.00}. But the transaction went through at the price of ( USD ) {$740.00}. 
This in direct correlation to the false entry in books, reports, statements and fraudulent pretenses, includes the intentional technical inaccuracies and price chart errors from the approximate dates of XX/XX/XXXX-XX/XX/XXXX and to this current day, where Coinbase/GDAX maintains a false record to the price of Bitcoin, Ethereum , Bitcoincash and Lightcoin cryptocurrencies according to the price chart. Coinbase/GDAX has drafted a fraudulent user/legal agreement in compliance with Local, State and Federal laws, rules and regulations.

After having through much diligence, found that first and foremost, 12 CFR 1005.9 - Receipts at electronic terminals ; periodic statements is being violated. Specifically under section, ( 1 ) Amount. The amount of the transfer. A transaction fee may be included in this amount, provided the amount of the fee is disclosed on the receipt and displayed on or at the terminal. And ( 6 ) Third party transfer. The name of any third party to or from whom funds are transferred. And ( 5 ) Address and telephone number for inquiries. The address and telephone number to be used for inquiries or notice of errors, preceded by Direct inquiries to or similar language. The address and telephone number provided on an error resolution notice under 1005.8 ( b ) given on or with the statement satisfies this requirement.

Including, 18 U.S. Code 1001, 18 U.S. Code 1005, 18 U.S. Code 1007, 18 U.S. Code 1343, 18 U.S. Code 1344, 18 U.S. Code 641. Also including applicability in, 12 CFR 1001.1 Under ( 12 U.S. Code 5481 ( 15 ) ( A ) ( ix ) and ( 15 ) ( A ) ( xi ) and ( 26 ) ( a ) ( i-ii ) and ( 28 ) ( a ) and ( 29 ), 12 CFR 1005.1 ( a-b ) 12 CFR 1005.16, 15 U.S. Code 1693f and 1693m and 1693n, 15 U.S Code 78e I have contacted Coinbase/GDAX with communication for a period of over two months, with another legal issue of the " Coinbase Support Team '' acting as legal  intermediary. And failing to direct me to the correct accepted legal agent of service, after I stated I would seek legal action.
Product: Vehicle loan or lease

I have paid off the bank of america loan for the car payment for XXXX XXXX XXXX  I overpaid by {$5000.00}. Can you please ask the bank to send back my {$5000.00} overpayment> thanks XXXX XXXX and please have it showing paid in full XXXX balance.
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of accountXXXX XXXX - XXXX - This is very outdated and appears to be reporting inaccurately to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 



According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 



Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 



I have identified that the statements for XXXX XXXX not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 



Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : date of reported late payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred and the loss of my account. Despite having the sufficient funds when the transaction was authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices. I believe these practices are unfair and request an investigation into my account.
Product: Mortgage

We were approved for a mortgage. All the necessary deposits were made. All necessary information was given to the mortgage company. The day of settlement, just hours before we were to sign the papers, the mortgage company backed out. Leaving us with only a week to find somewhere to live. There explanation was that we had a late payment due to me being laid off for 9 months in 2013. Why can a lender do this just hours before settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Date opened XX/XX/2021 Balance : {$17000.00} and update this on my credit file.
Product: Credit reporting or other personal consumer reports

XXXX!! 
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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, credit repair services, or other personal consumer reports

Please be advised this is my 10th WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite 7 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of FTC REPORT ATTACHED CREDIT ACCEPTANCE VIVE FINANCIAL
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made a transfer from my business to my personal BOA account ending XXXX which would cover my mortgage, however what I wasnt aware was that this transaction did not go through. 
Thus my BOA account went into overdraft when mortgage auto payment hit and then my credit card automatically covered the account on his checking account overdraft. 
I didnt realize that and that increased my minimum payment that month. I have had Bank of America set to take out a minimum payment, it normally takes out {$100.00}, however the auto withdrawal amount did not auto adjust when the minimum payment became higher after that. 
Additionally, I was also out of the country visiting XXXX at the time, so I had to be quarantined for some time while there and I was not able to find out about this issue until much later. 
I have multiple accounts with Bank of America and have a decades old relationship, Im requesting that this late payment be removed, given the fact that I was overseas and the fact that BOAs system did not adjust to the minimum payment, which was beyond my control at the time. 

Thank you!
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts 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 accounts which do not belong to me or were opened without my permission. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Experian and XXXX XXXX have failed is a legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just got up this morning and checked my credit score and noticed that a company named XXXX XXXX XXXX has appeared on my credit whereas i have no credit history with them. I do not have loan, nor a mortgage with said company. This is an attempt of identity theft slander defimation and libel, such is being taken up in court at this time against said company. WIth no credit history with said comapny all agencies must delete this item from customers credit history since being added XX/XX/XXXX. 
There is no evidence of a mortgage with XXXX, there is no record of a mortgage. No proof of a loan being processed in customers name and such the like. 
The home owners insurance is in the customers name that only XXXX XXXX XXXX. 
The home has been paid off since XX/XX/XXXX. See attachements and court information concerning identity theft created by said company as of XX/XX/XXXX. 
The comapny XXXX is simply trying to create money out of thin air. The customer deemed for this debt is that of XXXX XXXX XXXX and a XXXX XXXX XXXX located at a different address. 
This company [ XXXX ] is simply alleding that they are the orignial lender and or have purchased an illegal debt from XXXX XXXX whereas customers XXXX XXXX XXXX and XXXX XXXX have have never had a mortgage nor a credit history with Either XXXX XXXX XXXX nor XXXX XXXX XXXX XXXX. This is fraud. See attachments whereas President Obama passed a law on extending the Statutes of limitations on Mortgage fraud and securities fraud. Due to this attempt to continue harrassing, fraud, identity theft slander defimation and libel the credt bureus are now responsible for this action and may be financially responsible for all recoupments herein. Please see case no. XXXX and XXXX. Which are still in process. Hearing dzte scheualed later this year. XXXX   whom fraudulently attained private information from XXXX XXXX XXXX does not have the customers consent to have social security numbers not address nor other private information, this account doesnt have a account number listed as well. 
XXXX had attorneys try to offer a settlement on XX/XX/XXXX this year just a few months ago that the customers declined on. XXXX and XXXX even went as far as an illegal removal and fraudulent court docs without a court officers and judges signature. 
Because they knew it would continue in some form or way. With no history and no mortgage XXXX and XXXX XXXX continues to harass attempt to hider and delay the legal process but rather have been served a new or appeals compalint against them for any and such things to be overturned shall and the fraudulent mortgage assignment [ see attatchment ] is just that fraud. XXXX XXXX XXXX. sold a fraudulent peice of paper to XXXX XXXX XXXX XXXX to harrass customers XXXX XXXX XXXX and XXXX XXXX XXXX to get them by fear and harrassment to drop their compalint that has been amended and updated therein the court system. 
This information must be removed from the customers private information within the next 10 days.
Product: Debt collection

Midland Credit Management wanted to collect a debt from me that I did not owe. The debt was for XXXX for XXXX XXXX The debt collector said that a letter was sent to me but gave me a different address that was not mine. It looks like they have the wrong XXXX XXXX. This is harassment because they should do their due diligence before accusing someone of owning by making sure it is the right person..