23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

The lowes  Synchrony XXXXredit card just started charging a XXXX  dollar fee for a paper statement. I was charged XXXX on XX/XX/year> for a normal monthly billing statement. To top it off you can't get statements and determine where you are with their credit card on their website. It's almost like they don't want you to know where you are on your balance. Less clear information may be their motto so that you stumble and not pay your zero percent credit card to mess up your credit and they can make money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes to delete an remove all inaccurate information on my credit report that is hindering my file with transunion to correct any errors to clean my credit report up. this issue has been on going an needs to be resolved. I listed all data that is invalid an to be deleted asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without written instructions violated my rights.
Product: Checking or savings account

False Statements from Report : XXXX The card does not have declined transactions due to invalid PIN entry at the time of the disputed transactions. 

This is not the issue, my card was not always in my possession at a few banks including XXXX Bank previous to the disputed charge and account hack. 

Cardholder claims card was compromised with card in possession ; however, card chip data was utilized for the disputed transactions. 

Some bank assistants had possession of my cards on previous transactions that it was out of my site for XXXX minutes or more Transactions in question reflect a similar pattern of use and are within the same geographic area of activity. As such we continue to conclude that these transactions were made by you or with your authorization. 

I dont have any transactions on a Saturday XXXX  at all with a bank or other debiting transactions.
Product: Mortgage

I sent a request for information/qualified written request letter to my purported loan servicer XXXX loan management servicing on XX/XX/XXXX in response to a letter I received dated XX/XX/XXXX. 

The address listed on the letter to send these types of correspondence is Rushmore Loan Management Services LLC XXXX XXXX XXXX XXXX, California XXXX However when I track my correspondence this address does not exist and my letter has been sent to another address in XXXX in which the mail has not been picked up in more than 5 days
Product: Money transfer, virtual currency, or money service

1. PayPal, without warning and time to respond, increased the requirements for a PayPal account that does not allow me to login to my existing account. ( I DO NOT have a text capable/enabled or any mobile phone, nor do I intend to bear the expense of mobile phone service just so I can continue to use an existing PayPal account. ) 2. PayPal has REMOVED INFORMATION from their web sties ON ALL methods of contacting them WITHOUT logging in to the account ( which I no longer can do because of the added requirement blocking access to my account ). 

XXXX. I was not provided with the opportunity to close my account and request that all my personal identity, financial information, and statements, purchase information etc. be deleted from their files / servers since THEY HAVE BLOCKED ACCESS TO MY ACCOUNT, YET REQUIRE ME TO LOGIN TO THAT ACCOUNT TO RECEIVE SERVICE. 

4. PayPal is effectively blocking me from control of my personal data - e.g. is blocking me from closing my account and removing all my personal information from their service.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a fully protected consumer I am opting out of any and all Authorization I the consumer may have given verbally, non verbally, written or non written per 15 USC 6802. 



Please remove all personal information from my consumer report including Remove all non mailable address from my report EXCEPT the address below. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Can you tell me where you got the previous addresses from?
Product: Credit reporting or other personal consumer reports

I am writing to address a fraudulent account listed as " XXXX XXXX XXXX '' on my credit report. Despite submitting multiple disputes to the credit reporting agencies and filing reports with the Federal Trade Commission ( FTC ), this account remains on my report without resolution. I am requesting immediate removal of this account under the protections granted to me by the Fair Credit Reporting Act ( FCRA ). 

Under Section 609 ( 15 U.S.C. 1681g ) of the FCRA, I have the right to request and obtain all information related to this account, including verification of the debt and the identity of the furnisher. Despite my repeated requests, no documentation or evidence has been provided to prove this account is valid or connected to me. 

Section 611 ( 15 U.S.C. 1681i ) obligates credit reporting agencies to investigate disputes within XXXX  days. However, even after several dispute submissions, no corrective action has been taken, and the account remains unverified. If the account can not be substantiated, it must be removed from my credit report as required by law. 

Additionally, Section 623 ( 15 U.S.C. 1681s-2 ) prohibits furnishers of information from reporting inaccurate or unverified data. I request that the reporting agency notify XXXX XXXX XXXX of this dispute and demand documentation validating their claim. If they fail to provide sufficient proof, this account must be deleted. 

Given the possibility of identity theft, I have also exercised my rights under the FCRA ( 15 U.S.C. 1681c-2 ). I filed an FTC Identity Theft Report and have repeatedly provided the necessary information to support my claim. Despite these efforts, no resolution has been achieved.
Product: Vehicle loan or lease

I have been with Wells Fargo auto for over a year and they have not once reported to any credit bureau. Today I tried to call and get them to fix it but they said it would take a few weeks. I dont have a few weeks to wait when this should have been reported toy credit so I could see an increase of score! Now Im trying to trade car in and they wont accept my trade in because my car loan technically doesnt exist.
Product: Credit card

I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with XXXX XXXX XXXX over the past few months to DELETE / REMOVE any reporting in regards to the unauthorized Charge-off account they have failed to prove belongs to me. It is also the responsibility of XXXX and EXPERIAN to report accurate accounts/information on personal credit reports per the Fair Credit Reporting Act. I have provided all requested documents to XXXX AND EXPERIAN including my filed Identify Theft Police Report and proper identification to get this issue resolved. I have also reached out to the creditor " XXXX XXXX XXXX '' but they have failed to respond and prove/validate contractually the charge-off account belongs to me within 30 days. Below is the reporting account that should be Removed / Deleted from my XXXX   AND EXPERIAN credit report. Also attached is a copy of my police report for your records. 

EXPERIAN Reporting Charge-off Account : XXXX XXXX XXXX - Account # : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED XXXX Reporting Charge-off Account : XXXX XXXX XXXX XXXX Account XXXX : XXXX DATE OPENED:XX/XX/2015 STATUS : CLOSED Should you need any additional information please let me know.Thank you for your assistance in resolving this matter. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Checking or savings account

I deposited {$280.00} in a Regions Bank ATM on XX/XX/year>. The ATM got jammed and took the money, but did not credit my account the deposit or give me any receipt or information. I went to the bank and they told me they had to file a dispute so I asked for a provisional credit until they figured out that I indeed deposited the money. I have bills to pay today and thats why I deposited my money. They stated they could not give me a credit until they investigated and it will take XXXX days. This is unacceptable as I will now have late fees due to this banks fault.
Product: Debt collection

The Collection company has provide wrong Account information. I return the items and was billed for items when they was not in my procession.This is against my consumers rights and want them to be remove from my credit asap. or i will have to take legal actions.
Product: Student loan

I have been paying on student loans since XXXX. I have been a government employee since XXXX. In XXXX, it was announced that Public Service Loan Forgiveness would be honored after 120 on time payments for federal student loans beginning in XX/XX/XXXX. I immediately contacted Sallie Mae, now Navient in XXXX to find out what I needed to do to qualify for this loan forgiveness and was told to have my employer complete a form that I was a public service employee and submit it and the application by XX/XX/XXXX. In late XXXX, I contacted Navient to make sure I was on track with submitting the necessary forms since I would qualify for loan forgiveness, only to learn that I had been misguided on that there had to be a specific type of repayment plan set up in order to qualify. I was not provided that information in XXXX and based on what I was told, did not feel the need to contact the lender till years later when I was eligible for the loan forgiveness. In XXXX, the company offered me an income driven repayment plan, but that would have started the clock for another 120 payments before I would qualify for student loan forgiveness and my debt would be paid in full by that time. I am very frustrated with the responses that Navient has provided. They gave bad information when I needed it the most to start the clock on the 120 months years ago. I have paid over {$200.00} per month on {$30000.00} federal student loans since XXXX, and still owe {$15000.00}. Something is wrong. I previously submitted a complaint and received a poor response that made it look like I was provided the information I needed up front, which is NOT true. I wasn't given the right information until late XXXX, after i spent the past 9 years thinking i was on track for loan forgiveness in XXXX. I feel I should qualify for loan forgiveness, since I have paid on these loans for 22 years and have been employed as a public service employee for 20 years.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my accounts vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations. These actions have caused significant inconvenience and financial loses, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I, XXXX XXXX XXXX, sent a payment in the amount of {$11000.00} to JP Morgan Chase Auto Finance on XX/XX/2022. As of today XX/XX/2022, this check has not been processed by Chase Auto Finance. The account number in question is XXXX. In the interim period Chase hase been accruing interest against my outstanding balance. The check amount, when sent, should have paid off this loan. I believe that Chase maybe slow processing payments to accrue more interest charges. A reasonable time period to receive and process this check, should be about 5 business days. The amount of wasted time by Chase is far beyond the norm. I want this payment applied, within the reasonable time frame I mentioned, and any finance charges to be based on that reasonable time frame. This is my good faith effort to pay this loan off. Due to Chase 's delay in processing this payment I had to make a payment to stay current with my loan on XX/XX/XXXX. Chase will now have a negative balance showing owed by me, when the pay off check is processed. Because of this forced over payment, Chase should immediately send the over payment amount, plus interest to me. This over payment, by me, is due to the inefficient processing of my pay off check by Chase Auto Finance. The pay off check had not cleared as of be this morning on XX/XX/XXXX.
Product: Debt collection

I went on the collectors website to look up my account and it is no longer there. They are required to report to all credit bureaus and stop reporting me with a debt in collections and have it taken off my reports immediately.
Product: Credit reporting or other personal consumer reports

Please send the full copy of my XXXX  screening report to my current mailing address listed above. If you require additional information to process this request, you may contact me at your earliest convenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several rental properties. XXXX with XXXX  XXXX  both are conventional loans I also have one conventional loan also with XXXX  XXXX. XXXX was very streamlined, and pretty accurate on handling everything including the credit reporting. However, XXXX did not report the same as XXXX  XXXX  on credit reporting. I started all 3 at the same time ; the same processes, same payments, same modification and was not in default or late on any of my mortgages when I started the forbearance process. I completed the modification program and even paid an extra payment that I was not made aware of when going into the modification process. This was probably missed by a lot of other consumers as well because it was not in the primary page disclosing the payment program. It was on a page prior to it that I almost missed because I didnt see it or know to look for it. I was recently denied a loan for two reasons- DTI was too high and my mortgage reporting from XXXX was not reflecting as XXXX reported my XXXX mortgages. XXXX said they had to report as it was delinquent during the processing of my modification. Which I believe is incorrect according to the Covid regulations. They also did nothing to help with the rate or terms of my mortgage as XXXX  did. I didnt even ask them if they were offering but when I asked XXXX they said they dont offer rate and term adjustments.
Product: Money transfer, virtual currency, or money service

I put {$4200.00} in my Cash App account and on Sat. XX/XX/2021 it was all stolen thru fraudulent transactions ( 35 ) that took place within 17 minutes. I reached out to Cash App support, which could only be done via email, and I received a response that asked 5-6 questions regarding the fraudulent charges. I provided all the information they requested and additional supporting information that they didn't request and I still haven't heard anything back. Then 2 days later, I observed money being put back into my account ( {$2000.00} ) and I had no way of transferring it to my bank account due to me having to cancel card that was linked to Cash App and I tried emailing Cash App support several times to inquire if it was them putting money back but I still haven't received a response and then money was taken back out 10 minutes later. I need help with this issue and getting my money back. Please help me. Thank you in advance.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Credit Billing Act ( FCBA ) have been violated in relation to the reporting and handling of my account.

Violation of Privacy ( 15 U.S.C. 1681 Section 602 ) : The FCRA, specifically 15 U.S.C. 1681 Section 602, establishes that consumers have a right to privacy regarding their personal financial information. It is my belief that this right has been infringed upon, as the reporting of my account details has not been handled in a manner consistent with the privacy protections provided under the law.

Improper Furnishing of Information ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : Under 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency can not furnish any account information without the consumers explicit written instructions. I did not authorize the sharing or reporting of this account, and I request that any unauthorized furnishing of my account information be addressed immediately. 

Violation of Payment Handling ( 15 U.S.C. 1666b ) : According to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose if the payment was made in a timely manner. I believe that my account has been incorrectly reported as having a late payment, despite compliance with the required payment terms. I request that you correct this reporting error as it violates federal law and unfairly impacts my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that you take immediate action to address these violations by : Removing any inaccurate late payment information from my credit report. 
Ceasing the unauthorized furnishing of my account information. 
Providing written confirmation of the actions taken to correct these violations. 
Failure to address these issues promptly may result in further action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory bodies. 

Thank you for your immediate attention to this matter.
Product: Debt collection

They continue to call me and threaten to take legal action. They call 3 times daily all throughout the week. I understand a debt is due. Im experiencing a financial hardship and they continue to call multiple times.
Product: Credit card or prepaid card

Synchrony bank lowered my credit limit on my " Lowes '' credit card from XXXX to XXXX. In response I closed the following accounts which are serviced by synchrony bank : XXXX XXXX XX/XX/2018 ; JCPenny-closed XX/XX/2018 ; Lowes-closed XX/XX/2018. In response to my action Synchrony bank retaliated by lowering my Walmart Mastercard credit limit from XXXX to XXXX on XX/XX/2018. They " synchrony bank '' delayed crediting my timely mailed in payment for XX/XX/2018 causing a late charge to my account.
Product: Checking or savings account

My card and phone were stolen on XX/XX/XXXX, and almost XXXX dollars was removed from my account. I called in for a complaint, but my claim has been closed with zero explanation or letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues withyour company via an online public press release, including documentation of any potential small claimsaction. 

Thank you for your time and help in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>24 I sent XXXX, XXXX, and Transunion a dispute about some inquiries that I never authorized and are currently reflecting on my report. I have no business with these companies and have not applied for any credit with them. They have yet to process my request and have ignored it.
Product: Credit reporting or other personal consumer reports

Trans union was tasked investigating XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These incorrect accounts have already been removed from XXXX. Trans union had an account XX/XX/24 they opened and never processed with in the 30 days. They never responded why and opened another dispute for the same issue on XX/XX/24 they also never finalized this dispute. Trans union was contacted over the phone mail with correct dispute information and refused to assess any. Transunion was also tasked with presenting who was running the investigation as they have repeatedly made errors that have taken months to resolve and lost of extra cost. Trans union is now at 60+ days with no dispute resolutions and no reason why they have opened and closed disputes. Transunions lack of care with file has led to file being assessed incorrect by multiple departments. These files should ALL BE DELETED. To match my other file from XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year> To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Checking or savings account

I opened up Saving account online. before I open up savings account I spoken with a represented ask her few questions about this kind of account since I don't have ein number she told me yesterday I can deposit it in my account.now capital hold my funds this check have paid someone rent now capital one will not mail out my check.this company have stolen so many people money
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I looked at a copy of my credit report and noticed you are reporting this account with a PAST DUE BALANCE, this is inaccurate reporting and should be removed immediately. 

Here are the items I am asking you to verify as accurate : XXXX. XXXX | XXXX  After your investigation is complete, please send me the results via mail.