23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am remodeling my kitchen and the total cost exceeds {$25000.00}. I applied for a Lowes credit card, issued by synchrony bank, in late XX/XX/. I was approved for a credit limit of {$4000.00}. I mailed a check from my personal bank account for {$21000.00} and synchrony bank cashed the check on XX/XX/. It cleared my bank account on XX/XX/ XXXX  The funds were not available right away, so I charged close to the {$4000.00} limit on the card and paid for my cabinets from Lowes on my XXXX card. This left a large credit balance since I was unable to use my Lowes card for my cabinets and countertops as I had planned. A few days later, synchrony bank closed my Lowes card stating that the transaction was possibly fraudulent. The closure of the account trapped my credit balance refund on the card and even though I have asked several times for a credit balance refund, synchrony bank refuses to return my money. They act as if I am a criminal when I was just trying to make one payment to my credit card to cover my entire kitchen project. If they had kept my account open, I would have purchased new countertops and new appliances, using part of my credit balance up in the process. Synchrony bank will only communicate with me by letters sent via US Mail, which take weeks to get to me, delaying my responses. I can not respond to a letter request until I get it in the mail. I sent a secure email message to synchrony bank with the check image proving it had cleared my bank, but they refuse to accept it. I also had my bank fax over a copy of the same check, hoping if synchrony bank had proof directly from my financial institution, it might move things along. Synchrony bank claims to not have either copy. I am being forced to provide copies via US Mail, which means I have to wait weeks for my refund. The bank is purposely delaying the return of my money for no valid reason. I am paying interest on my other credit cards because I need that money to pay the other creditors off. It has cost me over {$500.00} in interest so far. I am very angry that synchrony bank is doing this to me. I had an Amazon Store Card issued by synchrony bank for almost 10 years, so I was already a customer of synchrony bank. I paid that card faithfully, in full every month with XXXX late payments. That alone should show that I am a trustworthy borrower. I have just today closed my amazon store card. I refuse to give synchrony bank and more of my money. They have lost my trust and they will never get it back.
Product: Credit reporting or other personal consumer reports

Hi, I am XXXX XXXX XXXX XXXX and I have been involved in Identity theft and I need help getting this negative accounts OFF my report immediately. My reputation is being affected by this inconvenience. I'm in the process of purchasing a home and I'm being denied for something that is not mine. Please HELP! I need these accounts remove ASAP.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FAIR CREDIT REPORTING ACT ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, allergic systemic issues such as Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to inadequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected or 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

Dept Of EdXXXX has been disputed and could not verify that the debt belongs to me therefore XXXX deleted the account. However, XXXX and Experian are still reporting this account on my consumer report. I have attached a screen shot of my current consumer report via MyFICO showing the deletion of the account. I request that XXXX and Experian update my consumer report as well immediately.
Product: Mortgage

This company has the WORST customer service reviews I have EVER seen! I have called and emailed several times with NO response. HORRIBLE! I have tried several phone calls and messages to NO avail. Your company has the worst customer service ratings I have seen online! You bought my mortgage from XXXX and increased my payment {$300.00}!!!! I have tax records and insurance records that show NO such increase is valid therefore continue to pay the same monthly payment. No one has responded to letters, emails, phone calls or online chats for the increase!
Product: Debt collection

Sometime in XXXX and XXXX someone went to the doctor and use my personal information. I contacted the company. Tell them that my information was used that it was not me they have insist on collecting {$890.00}. They have made several phone calls calling several times a day even at my job saying that I owe this money and I need to pay it I have provided this company with documentations showing that this was a fraud account. The company has refused to do anything about it.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX number XXXX XXXX number : XXXX
Product: Checking or savings account

XXXX XXXX via mobile phone and XXXX Complaint XXXX date XX/XX/2021 Police Officer XXXX XXXX Withdrawl  Date XX/XX/2021 {$710.00} Despite an arrest  and prosecution, Citibank XXXX Outright " refused to return my money. Fortunately, I now have a way to hold the bank accountable for replacing my hard earned income.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, PayPal allowed transactions to go through on several purchases from my account to merchants I wasn't familiar with nor authorized these merchants to withdraw funds from my account. I called PayPal immediately to have them try to investigate the matter and to late have them refund my money after they've done their review. After a week went by, I noticed PayPal sided with me on this matter and they refunded almost all of my money back. At this time PayPal didn't issue me a new card or give me any reassurance that my account was safe from any other mishaps so I linked my bank card to my PayPal account and attempted to move the rest of my money to my trusted bank account. Within seconds of doing so PayPal shut down my account and denied me access to my funds which are still currently frozen in their systems. 

Name : XXXX XXXX Email : XXXX Contact : ( XXXX ) XXXX or ( XXXX ) XXXX PayPal Reference ID : Case XXXX Last Contact Date With PayPal : XX/XX/2019 Balance in Question : {$770.00} Date of Initial Problem : XX/XX/19 Company in this Complaint : PayPal XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX.
Product: Vehicle loan or lease

In XXXX we went to XXXX XXXX XXXX, we purchased a used 2012 XXXX XXXX XXXX. Our initial payment arraigments where changed three time, twice before we left and then again a couple weeks later. We have gap  insurance added on and come to find out our car is only worth XXXX We owe way more than this car will ever be worth. We need out of this car payment We returned a month later to have them fix the broken interior light thats when we to sign new papers again, We brought the car in for servicing and told them that the seat belt in the rear did not work. They said it was cosmetic and would cost use XXXX We are now trying to get out of this car loan.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

I submitted a complaint to your company in XXXX. I was working with the executive complaint department with Ally. I was given until XXXX to make a payment and my car was taken last night. They came a day early even though I was given more time to get the money together.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE ASKED FEW TIMES TO GET MY CREDIT REPORT AND WAS NOT SENT IT BY EXPERIAN. also, the alleged debt of nearly {$50000.00} on my account is improper, illegal and should not be there, and must be removed ASAP. Please remove it, from " XXXX '' or " XXXX XXXX XXXX '' - I am current on my account 100 %.
Product: Credit reporting or other personal consumer reports

pursuant to 18 usc 8, I owe no debt these companies is violating my consumer rights to privacy pursuant to 15 usc 1681 b 2 company also has no permission to report anything using my info pursuant to 15 usc 1681 4
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Upstart/Finwise for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upstart/Finwise for failing to comply with applicable federal laws, including the Fair Credit Reporting Act ( FCRA ) and IRS regulations related to debt cancellation reporting.

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, indicates the debt was canceled or written off. If this debt was canceled, Upstart/Finwise is required to issue a 1099-C to me and the IRS.

To date, no documentation or evidence of this filing has been provided.

2. Potential Double-Dipping and Tax Fraud : XXXX is reporting the charged-off debt on credit reports while possibly taking a tax deduction for the same canceled amount. If a 1099-C was issued, this activity constitutes fraudulent double-dipping.

Continued reporting of a charged-off debt, especially after debt cancellation, is misleading and harmful under FCRA.

3. Failure to Validate Debt Upon Request : Upstart/Finwise has failed to provide adequate validation of the debt. This includes a failure to disclose the sale or transfer of the debt if applicable, which violates federal laws.

Requested Resolution : 1. Confirm whether a 1099-C was issued for the cancellation of this debt and provide documentation.

2. Immediately remove the debt from credit reports if a 1099-C was issued, as it has been canceled.

3. Cease all collection or reporting activities unless validation is provided.

4. Provide all documentation related to the ownership, transfer, or sale of the debt.

Failure to respond appropriately will result in complaints being escalated to state and federal authorities, including the Attorney General and the CFPB. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a call from XXXX at XXXX XXXX on XX/XX/XXXX he did not disclose where he was calling from asking me to confirm my date of birth and social security number. I said to him Im not giving out my information when I do not even know who this is and he went on to say that he is not asking me for my information he is asking for confirmation but he did not seemingly have anything other than my name and phone number. He threatened to get me locked up for not providing my information. 

This same man called me when I first moved to NJ in XXXX and did the same thing claiming there was a court case and a warrant for my arrest, he called me a XXXX and said Id regret it, when I called the XXXX XXXX police they stated there was no such case for my name. In XXXX My employer received something for wage garnishment and when I called they stated that I didnt show to a court date with Wakefield and Associates so it defaulted to them winning. I was not informed of any of this and paid it in full when I spoke to the court as I always pay my debt if I get a bill. I was never able to get details regarding that case so I do not even know what I paid, all I know is I didnt want my employer to garnish my wages when I can pay a bill just fine. When I called back after the call today it said the same name Wakefield and Associates so I want a document regarding what this debt they claim is and I want an opportunity to pay it if the charge is real. I have seen various charges pop up that were fraudulent in the last year so I need proof of whatever this is.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to EquifaxCredit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax Credit has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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
Product: Mortgage

I have been in the process of trying to refinance a loan with Citi Bank Mortgages since XX/XX/2020. This process has been terrible, I have provided all of the required documentation timely to my citi bank loan officer, but CITI bank is in adequately staffed to handle the business. So instead they miss lead their customers with false time line for closing, just to continuously extend them to another unachievable estimated closing date. I have had my closing date extend at least 6 times to date. My new estimated closing date is XX/XX/XXXX XXXX.. 6 plus months fro when this ordeal started, but I have ZERO faith in the timeline. I have reach out to the sales manager at citi, I filed a complaint at Citi, I have also tried to contact the head of the Citi mortgages sales business. They all have said the same story, " there is nothing we can do : '' This is unacceptable, considering there that my original time frame for closing was 90 days. This needs to stop as I am sure there are thousands of other CITI bank clients trying to refinance and being told the same story..
Product: Checking or savings account

Bank of America, located headquarters in XXXX, XXXX since XXXX XXXX XXXX via cashier check in amount over {$6.00} XXXX. 
Since then BOFA XXXX XXXX XXXX XXXX ( OCFG ), includes members such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and others financially terrorizing me by keeping me as Financial XXXX. 
They devise fraud scheme to steal my money with XXXX employees, which holds my funds against my will. 
The Bank of America and XXXX where I am a customer for a long time are affiliates and partners committed psychologically abuse, install fear, pain, letting me live under psychological duress are trying to kill me XXXX XXXX XXXXXXXX XXXXXXXX XXXX  citizen and XXXX XXXX, who came 43 years ago as a XXXX XXXX to America. 
Executive Management is punishing me because I refuse to aggressive tactics by employees of Bank of America to fore me their Credit carts, Merrill Lynch products and other unwanted financial items. 
For the past 15 years, they are claiming I am XXXX XXXX XXXX customer, but they withdraw money from my accounts for apparently unknown to me reasons. When I ask them they do not reply to me and in hiding from its customer. Do not reply to emails and telephone calls to discuss matter, If you need more specific information, please contact XXXX XXXX at XXXX XXXX. XXXX or email : XXXX. 
I am partially XXXX, with XXXX, post XXXX  and XXXX XXXX XXXXXXXX XXXX XXXX man barely surviving and Bank of America by Financially terrorizing me, XXXX  my money, keep me a Financial XXXX made me XXXX. 

Thank you very much for your help. 

Sincerely yours, XXXX XXXX XXXX Bank of America XXXXXXXX XXXX citizen
Product: Checking or savings account

I had a bank account with Bank of America, and due to receiving some transferswhose origin I properly justifiedmy accounts were closed. Despite this, the bank has refused to return my money. I have been waiting for many months, but nothing has happened. 

Every time I call to ask about the situation, I get the same response : Please wait and call back, your case is still under review. A review may take a day, a week, or even a monthbut XXXX months of review is outright abuse by the bank. They refuse to return my funds, and I am desperate because I have payments to make that I have had to postpone. I am completely defenseless due to the banks actions. 

I demand that all the interest the bank has gained from my money be returned to me, along with the principal amount. 

I urge your assistance in ensuring that my rights are respected. 

Checking account XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account Info Account number XXXX I was recently looking at my Consumer report and notice that they are incorrect across the reporting agencies and for my understanding the consumers report are suppose to report accurate, timely and verifiable information. I notice that on Equifax I have exceptional payment history and the other two reports they have me as being late. Now who is telling the truth? This is embarrassing and does not meet the standards of XXXX XXXX and I say delete this inaccurate information. according to the consumers law this is inaccurate information and confusing and a detriment to my profile. I need this to be removed. I have upload the following report and they are in fact incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these inquiries with Equifax, XXXX, and XXXX. Equifax, XXXX, and XXXX ignored my dispute I have attached my FTC Report to rectify this problem. This inquiries are unauthorized and I filed a complaint with FTC and the complaint is attached. Please do not ask me to send in verification as to whom I am to stall the process. I have created a paper trail via USPS certified mail sending Equifax, XXXX, and XXXX the documents they asked for numerous times. The information is there and they need to adhere to this complaint immediately to avoid legal actions and punitive damages being filed.
Product: Credit reporting or other personal consumer reports

I trust this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the misuse of my personal information within the United States in XX/XX/2023. 
I am XXXX XXXX XXXX, an international lawyer and consultant who has not resided in the United States for the past 12 years. Regrettably, it has come to my attention that identity thieves attempted to exploit my documents within the aforementioned timeframe. I am reaching out to formally request the removal of my name from any local and international agencies to prevent further misuse of my identity. 
I wish to emphasize that, as an international legal professional, I have maintained a clean record, and I have never been associated with any suspicious money transactions. The misuse of my personal information is a matter of great concern, and I am taking immediate steps to rectify this situation. 
To facilitate this process, I kindly request your assistance in expeditiously removing my name from any databases, records, or documentation related to the aforementioned identity theft incident. I am prepared to provide any necessary documentation, such as a copy of the police report filed in connection with this matter, to support this request. 
I appreciate your prompt attention to this matter and anticipate your cooperation in ensuring the swift removal of my name from any pertinent records. 
Should you require any additional information or documentation, please do not hesitate to contact me at my email I have only a XXXX XXXX XXXX XXXX Florida to receive correspondence. 
Thank you for your understanding and cooperation in resolving this matter.
Product: Vehicle loan or lease

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Complaint against BECU for Unjust CPI Charge Dear Sir/Madam, I am writing to file a complaint against BECU regarding their unfair imposition of a CPI charge on my Auto Loan XXXX. I believe that their actions are not only unjust but also highlight a lack of due diligence and responsibility towards their customers. 

Firstly, BECU failed to update my address correctly, leading to me not being informed about the additional insurance requirement. As a result, a CPI charge was added to my account. BECU denies responsibility for this oversight and has added {$10000.00} to my auto loan principal balance without proper notification. 

In a recorded conversation with BECU representative, XXXX, she admitted that BECU did not verify the required documentation before issuing my auto loan. This negligence has resulted in a 40 % increase in my monthly auto loan payments, causing significant financial strain. BECU has demonstrated an unwillingness to work with customers and address these issues. 

Even after providing proof of insurance to BECU, they have refused to refund the unwarranted CPI charge. I believe their actions are not in accordance with fair banking practices and require immediate attention from the Consumer Financial Protection Bureau. 

I request your assistance in investigating this matter and ensuring that BECU takes appropriate steps to rectify the situation, remove the unjust CPI charge, and adjust my auto loan balance accordingly. I appreciate your prompt attention to this matter and look forward to a fair resolution.