23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Synchrony bank closed my Sams Club credit card claiming I had too many unhonored and rejected payments in XXXX. I did have some payments get rejected because when I set up my auto pay I accidentally left off a number and they couldnt get a payment this happened for two payments until I became aware the payments were late. After investigating I saw the discrepancy and fixed it. Another time i was paying the card completely off and sent a check. Due to the mail debacle in XXXX Ga my mail was lost and I could no longer track it. I stoped payment on the check and sent a new one via XXXX. I called synchrony bank and let them know I stopped payment on the lost check gave them the check numbers and told them not to cash it. They finally get the lost check days after the good check and cashed it anyway. Another time, my debit card was lost and I changed debit cards and a payment tried to come out while my debit card was in limbo. All this happened in XXXX. Its XX/XX/XXXX and I have kept a low balance, correct auto pay and have not had an issue ever since and they closed my account without prior notice and had the nerve to say I was a valued customer when I called customer service to inquire why. The account is still on autopay. I am extremely upset with them because I feel like they could do better with customer service and their actions will make my credit report look bad and my score will drop immensely due to something that was fixed last year XXXX am enraged because I feel targeted, synchrony bank closed my care credit card a few years back because I wasnt using it enough when all I was trying to do was keep a low balance and I needed it for my XXXX XXXXXXXX and they closed it. For no good reason.
Product: Credit reporting or other personal consumer reports

Dear Student AID/FSA, I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy.

Under the following legal protections, my information should have been safeguarded : Family Educational Right and Privacy FERPA ) : Ensure the confidentiality of the student record and prohibit the unauthorized disclosure of personal information.

Higher Education Act ( HEA ) Establishes the responsibility of educational institutions and loans servicers to protect student data.

Privacy Act of 1974 : Prohibits the unauthorized sharing of personal informa

tion held by federal agencies. Breach of Contract : The unauthorized sharing of student loan borrowers personal and financial information with third parties, including XXXX XXXX, constitutes a violation of the contractual obligations to protect borrower data. 
Given the severity of this data breach and failure to uphold federal protection, I formally requested the immediate discharge and cancellation of my student loan debt in full. Complete removal of all advantage related entries from all three of my credit reports. 
I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

BACK IN XXXX  OF THIS YEAR ( 2021 ) WHEN I CHECK MY CREDIT REPORT 2 MONTHS AGO I NOTICE THAT THERE WAS ALOT OF HARD INQURIES FROM COMPANIES I NEVER GAVE MY PERMISSION TO RUN MY CREDIT. I HAD WRITTEN TO ALL 3 CREDIT COMAPNIES AND PLACED A CREDIT FREEZE ON MY REPORT AS WELL. WITH NO LUCK, NONE OF THE CREDIT COMPANIES REMOVED ANYTHING. 
I HAVE BEEN WRITING BACK AND FORTH TO THEM AND STILL NO LUCK. BECAUSE OF THIS MY GOOD CREDIT HAD DROP AND I AM NOW NOT ABLE TO GET A HOME LOAN. I AHD GAVE ALL 3 CREDIT COMPANIES DOCUMENTS SHOWING I DID NOT GIVE MY PERMISSION AND I ALSO HAVE AN I.D . THEFT ALERT ON MY CREDIT FILE FOR ALL 3 COMPANIES. I DO NOT KNOW WHAT ELSE TO DO, CAN YOU PLEASE HELP ME OUT ....
Product: Credit reporting or other personal consumer reports

PLEASE SEE ATTACHED DOCUMENTS INCLUDED WITH MY FTC REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on several loans with the XXXX XXXX XXXX that have a {$0.00} balance and a {$0.00} past due. This is harming my credit and it is obviously impossible to be past due on something that does not have a balance. I am going to list the partial account numbers for the XXXX XXXX XXXX as well as attach a copy of my credit report. 

XXXX : Account numbers XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
Product: Debt collection

XXXX XXXX forwarded XXXX cases for collection against XXXX XXXX XXXX and XXXX XXXX XXXX On XXXX XXXX XXXX. XXXX amount of {$7400.00} and for XXXX. XXXX {$7700.00} to Accounts Receivable Collection Agency. 

For XXXX XXXX XXXX the amount of {$6500.00} was sent to us and received the check from him on XXXX/XXXX/2015, and deposit the check on XXXX/XXXX/2015. This check was paid before we sent XXXX XXXX XXXX to the collection agency. Since the check XXXX. sent in showed the XXXX. XXXX home address, we applied this amount to XXXX. XXXX account only to be notified by XXXX that the check was to be under his account. So we changed XXXX. XXXX Invoice showing this amount as paid. Please see attached check and deposit slip for detail. Collection agency is claiming for this amount which they have no right to do so. 

For XXXX XXXX XXXX, amount of {$7700.00}. We did submit to them on XXXX XXXX the invoice however two days later, XXXX XXXX, we were informed that our Service department was to fix his system on site and h/o would pay us in full. I notified the collections agency via email on the same day to cancel this transaction. In the agreement that we signed, states if we submit an invoice and cancel it, they can charge us 10 % of the total bill. That is not an issue. 

The collection agency only collected from XXXX XXXX XXXX a total of {$7400.00} yet they seem to think they collected a total of XXXX. Which is impossible because they did not collect for XXXX XXXX XXXX. 

This agency had collected back {$7400.00} and sent us check # XXXX for {$2900.00}. They claim they charged us 10 % of XXXX. XXXX amount of {$7700.00} which should only total {$770.00} and our agreement for the {$7400.00} was 27 % however, they kept almost 40 % of XXXX. XXXX. Check which they never sent us nor do we know what check number XXXX XXXX XXXX sent them. They kept his check and sent us less then what was promised. We have all documentations if needed to follow our statement. Please let me know if you need me to email them to you. 
The bottom line to make more sense of this issue is this email being sent to XXXX XXXX XXXX XXXX : Dear XXXX, As stated, you collected for XXXX XXXX XXXX the amount of {$7400.00} which 27 % is owed to your company totaling {$1900.00}. You took 10 % of XXXX XXXX XXXX amount of {$7600.00} which totals {$760.00} because we canceled the transaction. When you total XXXX that we owe, the total should be {$2700.00}. You sent us a check for {$2900.00} CHECK # XXXX. Your company took the remaining balance of {$4600.00} which is not our agreement. Your company owes us a total of {$1400.00}. Please submit to us by next week XXXX/XXXX/2015. 

Regards, XXXX XXXX Customer Service Supervisor XXXX XXXX, XXXX.
Product: Debt collection

On XX/XX/22 I sent Caine & Weiner a validation of debt letter because I noticed the account on my credit report for {$500.00}. XXXX shows this account as a COLLECTION and XXXX shows this account as OPEN, INACCURATE INFORMATION. In the debt validation request a CEASE AND DESIST was placed on the collection of this alleged debt during the validation period in which I ask for 30 days to review the documents they were to send me. I received a response XX/XX/22 the letter was dated XX/XX/22. Not only did they NOT send the documents I requested THEY ALSO ATTEMPTED TO COLLECT on this alleged debt which VIOLATED THE CEASE AND DESIST ORDER.
Product: Money transfer, virtual currency, or money service

Prior to my previous situation I realize that because Wells Fargo XXXX that they are liable for all damages calls so I called Wells Fargo to find information on their XXXX XXXX XXXX bonds information. Also requested their bankers blanket bonds information none was given or could be given either through the several numbers I called all Wells Fargo branches different branches of the bank even the branches close to my house had no information on my inquiry Because DepositedNegotiable instrument promissory notes into my Checkings account and no money was given one promise and was promised to me Wells Fargo bank has stolen my property without compensation
Product: Credit reporting or other personal consumer reports

Hi. My name is XXXX XXXX and I recently checked out my credit report with Equifax and I notice a few thing 's that were inaccurate with my personal information like my address and place of employment.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681e ( b ) - Compliance procedures ( b ) Accuracy of report 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.. 

There are 3 different dates reported under date of last activity, last verified, date reported, date opened, last payment and this means that possibly all 3 of the credit reporting agencies are reporting inaccurate information. Where is the inaccurate coming from and why is the information not consistent? THE ACCOUNTS ARE NOT 100 % ACCURATE. DELETE THE ACCOUNTS DUE TO INACCURACY. I have attached my credit report from XX/XX/year> with all the inaccuracies highlighted. 



DELETE IMMEDIATELY DUE TO INACCURACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove the personal information that i dont want on my credit file according to fair credit reporting act 15 usc 1681 i have the right to privacy and also according to 15 usc 6802 no financial institution is suppose to share my information without my consent
Product: Money transfer, virtual currency, or money service

PayPal Debt card / moblie bank Wrongly closed my account with my old email XXXX they fasly accused me of fraud when I showed them plenty of times where the money came from proof and etc they decided to steal not listen to me shut my account down and mess up my credit
Product: Credit reporting or other personal consumer reports

I had my car repossessed a few years ago with all of my personal information inside. I recently noticed unfamiliar accounts on my credit report while trying to apply for credit loan. I reached out to Experian and Equifax to get verification on the accounts. I asked them to provide the original contracts with my signature because I know the signatures will not match mine. To date they have refused to do so. I have filed an identity theft report with local police and FTC. I have reached out to the debt agencies via mail and ask them to provide the contacts as well but they have not done so to date. These are loans that are in my name but I didn't apply for.
Product: Credit card or prepaid card

I disputed a charge is on my credit card over a year ago. I had ordered an item with overnight delivery it showed up several days later than expected so when XXXX came to the door I told the driver I was refusing the shipment she said no problem. It was returned to the merchant I do have a proof of delivery from XXXX that says shipment refused merchandise returned to merchant. I disputed the charge I called the merchant several times to no resolve. I have literally spoken to synchrony bank probably XXXX times regarding this matter. I have since closed the card and it is now affecting my otherwise perfect credit score. They call me from an automated service every day But I am unable to speak to a person they send me letters but nobody will resolve this matter. I am hoping that you will be able to assist. I never received the item I will never pay for it but it is affecting my credit score which is quite disappointing from a large bank like synchrony. My cell phone number is XXXX if you should need to speak with me Thank you!
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, I saw a notification that on XXXX XXXX {$2500.00} was transferred into my Santander, bank account, using a mobile application, from an unknown institution. I also got notifications that my username and passwords were changed and that two new payees had been added to my account and that password had been changed a second time. In addition, 6 external transfers had taken place, a total of {$2800.00} I went to the bank that morning and was told not to worry, that if it had nothing to do with me, I would get refunded the money. The bank gave me a copy of the check and a transaction printout and told me to go and report it to the police. The police told me that they could not file a report as the bank had not given me enough evidence. 
On XXXX XXXX I went back to the bank and they told me they would file a fraud report and it would be investigated. 

On XXXX XXXX, my mother went to the bank as her ATM card was rejected and was told that her bank account, which had a balance of ca {$10000.00}, was frozen and it would remain frozen for 60-90 days until the investigation was over. If she wanted access to her remaining money she had to refund the {$2500.00} to cover the declined check. My bank account covered the remaining {$300.00} of the transfers. 

XXXX, in XXXX XXXX, was on the phone with the Santander Fraud Department who advised him to withdraw the money from my moms account including a fee of {$8.00} so that she could get access to her money. She had no choice but to agree. 

On XXXX XXXX, XXXX my mom called the Fraud Department and was told by the employee who told XXXX to charge my mom, that it wasnt the bank 's problem and when asked what her name was she refused to give her name and hung up. My mom called and reported the incident to a supervisor ( ref XXXX XXXX employee id XXXX ) and she was not very helpful or nice either. 

The banks guidelines are that one can only transfer {$1000.00} a day so it is strange that a un cleared check of {$2500.00} can be transferred out of the account the following day. 
I am convinced that we received such appalling treatment because I am only XXXX years old and we are XXXX and nobody really cared that I was the victim of a fraud. I have also reported the fraud to the institution who issued the check.
Product: Money transfer, virtual currency, or money service

I post sublet for someone to stay in my place. One woman named XXXX XXXX wants to stay in my apartment. She supposed to send XXXX  but She sent extra XXXX on her check. She said I need to give the rest money to the delivery guy who will send a rent car to my place for her. I deposit money in my bank, Bank of America. I transfer the extra XXXX to the delivery guy she asked through XXXX, the online money transfer. Once the money has been transferred, she cancel the check from her bank. So now I have XXXX minus on my bank because the money I sent has been processed but the money I got from check had been canceled. And XXXX does not answer or reply my messages anymore that the check has been canceled.

I called BOA right away, but they said they can not cancel the XXXX transaction because the money is already transferred to them. If they " can cancel '' the check that BOA already " approved '' and I already " got '', they " should cancel '' the XXXX  transection that could be done by the check that BOA approved!

the information about where I sent {$3000.00} by her request : XXXX   Name : XXXX XXXX She asked me to sent the last {$1000.00} to someone else through XXXX XXXX  or XXXX XXXX, because it was not processing.

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX  GA, XXXX her information is Name : XXXX XXXX email : XXXX   phone : XXXX XXXX XXXX The check I got from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN , XXXX XXXX XXXX XXXX XXXX  MN, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make the charge or accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ones with the items listed below showing on my credit report. I, therefore, request that you immediately remove this account from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible. 
XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX Balance {$170.00}, XXXX XXXX Balance {$2000.00},, XXXX  XXXX Balance : {$7600.00}, XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX at XXXX XXXX XXXX, PA XXXX I sent letters to this company XX/XX/2021 to verify that what is reported on my credit report is accurate. They have not provided me with any proof of verification and are still reporting inaccurate data on my credit report. 

1. XXXX XXXX The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and Equifax is still reporting positive payments. 

2.XXXX  XXXX date of last activity is different on each bureau, Equifax is reporting on time payments, each bureau is reporting a different high credit amount.
Product: Debt collection

Dear Sir/Madam, I am writing to file a formal complaint regarding my closed credit card account with Citi Bank XXXX I am concerned that my account has been subjected to high interest rates and other fees, despite being closed due to my current medical issues which have left me unable to work. 

As a consumer, I understand that there are laws and codes of banking in place to protect individuals from falling into debt with their credit cards. I have attempted to manage my debt responsibly, but have found the interest rates to be unreasonable and unmanageable given my current circumstances. 

Furthermore, I would like to express my frustration with the lack of communication from Citi Bank regarding this matter. I have not been given a clear explanation as to why my account has been subjected to such high rates, or any assistance in managing my debt in a manner that is more reasonable given my current situation.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the immediate removal of a paid collection account from my TransUnion credit report. This account has already been removed from my XXXX credit report, and it is inaccurate, unfair, and legally unjust for it to continue reporting on my TransUnion file.According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), the continuous reporting of this paid collection account violates my consumer rights based on the following laws : 1. Violation of FCRA Section 609 ( 15 U.S.C. 1681g ) : Right to Accuracy and Verification Under 15 U.S.C. 1681g, I have the right to a complete and accurate disclosure of the information in my file. The fact that XXXX has already removed this account indicates that the information may have been inaccurate, unverifiable, or outdated, therefore TransUnion must do the same. 

Additionally, I am exercising my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which states that upon notification of a dispute, the credit bureau is required to investigate and verify the accuracy of the account. If the information can not be verified, it must be promptly removed. Given that XXXX has already removed it, the account is now unverifiable and should not remain on my TransUnion credit report. 

2. Violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) : Duty of Furnishers to Report Accurate Information Per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), data furnishers are required to report accurate and complete information. If XXXX deemed the account unverifiable and removed it, it raises serious concerns about the validity and accuracy of the accounts information being furnished to TransUnion. The continued reporting is a direct violation of FCRA Section 623.

3. Violation of FDCPA Section 807 ( 15 U.S.C. 1692e ) : False or Misleading Representation According to the Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 15 U.S.C. 1692e ), it is unlawful for any entity to use false, deceptive, or misleading representation in connection with the collection of any debt. Reporting a paid collection account as active, derogatory, or outstanding after it has been removed from XXXX is considered a deceptive and misleading practice, violating the FDCPA.

4. Violation of FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ) : Obsolete Information Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), any collection account that has been paid or settled may no longer report after seven years from the date of the first delinquency. Given that the account has already been removed from another major credit bureau, it demonstrates the information is now obsolete and should be removed from all credit reports.
Product: Checking or savings account

On several occasions of me using Zelle my money has always either been held or not coming to me at all it has an recurring button that automatically turns on and was making payments on my behalf even when I didnt authorize it telling me I can control the button when I never set up automatic payments never Im not that financially stable so in many instances Zelle had taken payments from my bank and I didnt realize it for about a year when the recipients told me I had done over paid them a few times they had to send me my money
Product: Debt collection

I recently pulled my credit report, on XXXX XXXX and I noticed some errors on my account that was totally inaccurate. I then sent dispute letters to all three credit bureaus. XXXX, XXXX and XXXX on XXXX XXXX  and every 30 days up until present XXXX. I asked all three bureaus motioned to please verify and validate the accounts in question and they sent them back as verified. I know they have not done the verification process because the errors still remain on my credit report. There are 2 collection accounts reporting as OPEN and LATE 120 DAYS but it's a COLLECTION account This is a violation of ( 15 ) U.S. code 168i ( 5 ) please assist in this matter. There are other accounts in violation as well. Can someone please assist me with this matter Thank you.