23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to express my profound dissatisfaction and concern regarding my PayPal Credit account, serviced by Synchrony Bank. I have been a loyal and responsible cardholder, ensuring that my payments are made on time, with rare exceptions where payments were delayed by only a few days but never exceeding 30 days. Despite this, I have experienced unwarranted and repeated reductions in my credit limit, which not only affects my purchasing power but also unjustly impacts my credit score. 

This arbitrary action is perplexing and unacceptable, especially given my commitment to maintaining a good standing on my account. Synchrony Paypal institution prides itself on technological advancements and customer satisfaction, yet these reductions seem to reflect neither. They appear to be punitive measures without basis, significantly undermining my trust in your services and jeopardizing our ongoing relationship. 

Furthermore, I have encountered persistent issues with linking my bank accounts to my PayPal account for online payments. This technical glitch contradicts their claims of technological prowess and significantly inconveniences me, a busy professional with limited time to address such matters. The inability to make payments online, forcing me to allocate precious time from my schedule to make phone payments, is not only archaic but also inefficient in today 's digital age. It is bewildering that Synchrony Bank has yet to resolve this issue, thereby hindering my ability to manage my finances effectively. 

I urgently request a comprehensive review of my account to understand the rationale behind the reduction of my credit limit. I also demand immediate action to rectify the online payment system to allow for seamless bank account linking and mobile payments. Their prompt attention to these matters is not only expected but required, as it affects my financial flexibility and the integrity of their services.
Product: Mortgage

WE ARE REQUESTING ALL DOCUMENTATION FROM XXXX XXXX  TO INCLUDE PAYMENT LEDGER RELATED TO THE FOLLOWING ADDRESS AND INDIVIDUALS : XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE MORTGAGE IS CONNECTED TO THE FRAUDULENT XXXX XXXX LOANS TAKEN OUT BY XXXX AND XXXX. XXXX CURRETBLY SERVICING 15 FEDERAL SENTENCE FOR DEFRAUDING BUYERS, STAGING FRAUD CLOSING AND MORE. 

NUMBEROUS LOANS WERE TAKEN OUT BY XXXX XXXX AND PARTNER XXXXXXXX XXXX WHO THEY PAID A PORTION OF THE PROCEEDS. THE XXXX WOULD BRING THE LAWFIRM NEW CLIENTS UNDER THE PRETENSE THERE HOME WAS GOING INTO FORECLOSURE WITHIN 24 HOURS WHICH WAS NOT TRUE. 

OUR INFORMATION WAS USED BY THESEE INDIVIDUALS TO TAKE OUT FRAUDULENT MORTGAGE LOANS UTILIZING OUR NAMES AND CREDIT
Product: Mortgage

Hello I have not applied for a mortgage I have reached out to the creditors via XXXX.
Product: Credit reporting

I have an account that was closed some time ago and it 's still showing on my credit report as being an open account. This was a XXXX managed by XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Ohio XXXX. I would like to have this account removed from my credit report.
Product: Credit card

I would like someone at my XXXX to investigate a transaction I made on XXXX XXXX, 2014 to a company by the name XXXX out of XXXX, WA in the amount of {$1000.00}. I purchased a website that was presented as " turn key '' and agreed to transfer a then current site to them. Upon doing so they have constantly charged me for various " services, upgrades etc. '' that to my knowledge have never been completed. This company has been paid close to {$30000.00} for essentially nothing. My eyes were opened to their scheme was when they solicited and brokered a new line of credit for us with XXXX and a loan with an independent company at horrendous terms.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the charge off account listed on my credit report. According to the Fair Credit Reporting Act ( 15 USC 611 ), I have the right to request that inaccurate or outdated information be removed from my credit report.

Account Information : Creditor Name : XXXX  Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$10000.00} I believe that this charge off account is inaccurate because settled and does not match XXXX or XXXX XXXX am requesting that this charge off account be investigated and removed from my credit report in accordance with the Fair Credit Reporting Act. Please provide me with a written explanation of the results of your investigation and any actions taken to correct the inaccurate information.
Product: Mortgage

I first applied with CityWorth Mortgagae and was denied at a sale price of XXXX. Months later the brother of the company owner, lead Mortgagae assistant, XXXX XXXX called me and informed me that I was actually preapproved for a loan up to 189,000. This company had interest to do this process and later chokes on three separate closing dates. I go to learn from the owner of a possible scam maybe forming after I give up close to {$1300.00}, and driving to another state where CityWorth Mortgagae are located in Virginia to pay for home appraisal where the owner denies CityWorth of rising the price on the loan for an extra {$1000.00} around closing where closing attorney where expectations of the owner, his choice of real estate and myself. Once time to close the company thence ignores us all and I nevertheless got no refund nor return on any monetary I have which today continue to place me in the homeless veteran category for months up to today because of the scam done to me. This occurred XX/XX/2017 with again three closing dates that never occurred. I am currently homeless and this company has put me behind and displaced and I am still pleading for a return of my money thats honored to me for my XXXX from service of XXXX.
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. XXXX, Equifax and XXXX 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 XXXX Balance : {$13000.00}
Product: Debt collection

In accordance with the fair credit reporting act XXXX Account # XXXX has my rights 15 USC 1681 section 602 States I have the right to privacy.

15 USC 1681 Sections 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as a late for any purpose
Product: Credit card or prepaid card

On XX/XX/XXXX, my payment was due. My payment was mailed on XX/XX/XXXX. The payment was not posted until after the XXXX and a late fee was posted to the account. Today, I contact the bank to find out the ways that I can make a payment knowing full well that if I mailed my XX/XX/XXXX payments tomorrow, it would not get posted until after the XXXX. The bank notifies me that there are only XXXX other ways of sending the payment that does not include mailing it in. The only other XXXX ways is either by having my financial institution mail a check to them ( which is the same thing as a check being mailed by me ), or to pay {$10.00} for my payment to be taken by phone using my routing and account number. So I'm forced to mail the payment either 20 days before the due date, pay {$10.00} or pay a late fee of {$40.00}. This is completely unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX california XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section XXXX of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action.

Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within four ( 4 ) business days from the date of receipt of this letter. 
XXXX XXXX XXXX A XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by 4 BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX Balance : {$3400.00}
Product: Vehicle loan or lease

Subject : Urgent Request for Investigation into Misleading Financing Practices and XXXX XXXX XXXX Dear Sir/Madam , I am writing to bring your attention to troubling issues regarding my vehicle purchase at XXXX Honda XXXX XXXX particularly surrounding the dealerships misleading practices concerning both financing and the subsequent cancellation of my XXXX XXXX  ( Vehicle VIN : XXXX ). 

While the initial issue centered on the unexpected cancellation of my XXXX XXXX, which was automatically canceled following a refinancing, it has become clear that the situation extends beyond just this. During the sales process, the dealerships finance director advised me to forego a down payment and opt for XXXX down, even though I had cash available. I was assured that this was in my best financial interest, and that refinancing later would secure me a better interest rate. However, I now understand that this advice was not in my favor and appears to have been influenced by the dealerships pursuit of higher commissions or kickbacks from financing deals. 

What makes this more concerning is that when I tried to address this with the finance director, he denied having advised me to save the XXXX XXXX XXXX with XXXX down, despite this being a pivotal point in our face-to-face conversation. Unfortunately, since this conversation was not recorded, I can not definitively prove it, but the dealerships lack of transparency and responsibility post-sale speaks volumes. 

In light of these concerns, I strongly believe that this is not an isolated incident and may be a tactic used to take advantage of inexperienced customers, such as myself, or new immigrants unfamiliar with the process of car financing. To verify this, I recommend that investigative authorities consider sending a mystery shopper, posing as a new or inexperienced buyer, to observe firsthand how this dealership operates and whether customers are similarly misled into unfavorable financial decisions for the dealerships benefit. 

This situation has not only caused me financial strain, but has also eroded my trust in the dealership and the Honda brand. My hope is that a thorough investigation into these practices can help prevent other customers from experiencing the same level of frustration and financial harm. 

I have attached email correspondence that highlights the dealerships refusal to take accountability, as well as the lack of resolution regarding the XXXX XXXX  refund, which could have easily been addressed by the dealership submitting a formal request to the insurance provider. Despite my efforts to resolve these issues amicably, it is clear that further action is necessary. 

I trust that your agency will take this matter seriously, and I am hopeful that appropriate steps will be taken to investigate and address these issues. Thank you for your attention, and I look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit card

I contacted Capitol One and my other creditors on XX/XX/XXXX concerning my credit card accounts. I had just been released from the hospital after having XXXX XXXX and was home recuperating under medical supervision. I became aware I was late making my payment due to being in the hospital. I was directed to the Special Assistance department which was supposed to help me with my hardship. I fully explained that I had been hospitalized and continued to be under doctors care and expected to be out of work for an extended period of time due to being diagnosed with XXXX. I wanted to make sure I stayed in good standing with Capitol One. They suggested that I make a minimum payment and asked when I could do that. They were surprised when I said I could make those payments right then and they accepted payments on both accounts. They enrolled me in their special assistance program at that time. They discussed the terms of the program and the penalties and sanction if I failed to meet my obligation of the program. I promised at that time to bring my account current and that I would probably pay the account in full once my XXXX and insurance benefits became available to me. I contacted Capitol One multiple times since that conversation. I kept them informed about my anticipated payments and I obtained my payoff amounts from them. On XX/XX/XXXX I contacted XXXX and paid {$1600.00} on XXXX account and {$590.00} on the other account. I had actually overpaid both accounts and had a credit on my accounts for a short time. 
At no time during any of my conversations or in any correspondence from Capitol One did they disclose to me that despite enrolling in their hardship program that they intended to report my accounts as late to the credit reporting agencies. I feel they were grossly negligent and taking advantage of me while I was in a XXXX from my medical condition, the duress and stress of being diagnosed with XXXX. I believe I was less than XXXX days late on both my accounts when I contacted them the first time. By participating in their program my accounts went 30 days past due on XXXX consecutive months. Once you become XXXX days late on an account it is reported to the credit reporting agencies. Had they fully disclosed the implications of participating in their program I could have chosen to make other arrangements. I was lulled into a false sense of security by their negligent omission and now I have XXXX late payments on my credit report. I have repeatedly contacted Capitol One, and been denied and help or closure. I also had a prior complaint and talked to various representatives concerning this issue. The last representative said their decision was based on recorded calls from my original phone call to the company. I asked for them to supply me with a written transcript of that call and they said there was no written transcript. I asked to listen to the recorded conversation and I was told that is not possible. I am convinced that participating in their program caused me harm due to their negligent omission of all the pertinent facts and it only served to protect Capitol Ones intrests.
Product: Credit reporting, credit repair services, or other personal consumer reports

They trick you into ongoing membership and it's nearly impossible to cancel - they put you on hold OVER AN HOUR!
Product: Money transfer, virtual currency, or money service

Hi, On XX/XX/21 my bank wired {$2000.00} to another bank located in the US XXXX XXXXXX/XX/XXXX XXXX. My bank has verified with their bank the funds were received. 

The company is an online investing company called Etoro USA LLC. They are registered with XXXX. XXXX told me to contact you guys. 

The money was to post within 7 days. Nothing posted so I tried contacting them. They have a phone number that doesn't have a live person and directs you to open up a case. I did so but several weeks went by and nothing. Finally I received an automated response stating they were looking in to the matter. Then several more weeks go by and I receive another email stating the issue was resolved and this case is close. 

Nothing was done and they just closed the case. I started a new case and I am waiting. This company advertised on national TV. Is located through out the world. They have an office in New Jersey but no numbers. They have a chat line that is not working. 

I do not know what to do. I did some research online. It seems there are 100 's of people they have ripped off. I have their app on my phone. I do not understand how they are allowed to operate like this? 

At this point, I just want my money back. The fees, my time spent is just getting to be so much. 

Can you please help me or give me ideas as to what I can do. 

https : //www.etoro.com/en-us/ Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX BANK XXXX Balance : {$650.00} ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XX/XX/2022 ; 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

We made a request of XXXX to come out of forbearance on XX/XX/XXXX, XXXX They presented options to us but failed to disclose to us that we would be put into a 3 month trial period and would not be able to refinance for 6 months after a loan modification. If we were told that, we would have immediately rejected it. They also said that bringing the mortgage to current interest rates was XXXX of the tools that could be used in the loan modification. They told us it would take up to 30 days to get contacted. When we did not hear within 30 days, I contacted them. They rushed a package out to me. 
When I got the package, it was completely unacceptable on multiple fronts. We had less than 20 years left on our mortgage and they put us into a 40 year mortgage at the old interest rate instead of a current interest rate and had language about a 3 month trial period which means we can't refinance for XXXX months. 
I called and was told that lowering to current interest rates was NOT something they could have done. I requested a change to a deferment and was told that I would have to wait XXXX XXXX days for an answer on that. 
They are clearly and unscrupulously dragging their feet to keep us from being able to refinance. Their competitor, XXXX XXXX, turns their deferments around THE SAME DAY. That makes sense because a deferment doesnt change the terms, it just adds a balloon at the end of the loan. We got into this because of economic injury and do not need this company keeping us from being able to refinance to lower interest rates. 
Please help us.
Product: Debt collection

I was served a summons dated XX/XX/20 on XX/XX/20 by a gentleman who came to my door for Forster and Garbus LLP ATTY. Who indicated that I owe money to my previous University in the amount of {$14000.00}. They also indicated within the summons that they are lawyers representing the plaintiff. And if I do not answer the summons within 20 days, I will be penalized and a judgment will be made against me. In addition, the company also started contacting me the same day harassing me about the money owed. 

When I explained to the representative, that there must be some mistake, because I didn't owe money to the University to my knowledge, because I withdrew my classes by submitting a written appeal to the school, as to why I was leaving the university, as I was requested to do my XXXX XXXX. He became very rude and condescending. Asking me questions such as if I was employed? And who do I work for? Then he stated that I worked for XXXX XXXX. As he knew already, but was fishing. 

This is very stressful, because I am already paying off my student loans and is in good standing, and now four years later, I am hit with this. Please can you offer any advice?