23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I purchased an online ticket with XXXX in the amount of {$960.00} ( travel date was XX/XX/year> ) and paid by Payal, i have cancelled my flight 48 hours before and as per attached fare conditions, there will be a penalty of {$170.00} because i cancelled more than 24 hours before the travel date, so my refund should be = {$780.00} since then i am in a problem with both XXXX and PayPal, i have tried to contact XXXX asking about the refund ( by calls, emails and their refund online form ) and no answers by emails and no proper response by phone, all they said we are not responsible for refunds, and they dont have an answer for me So i have opened a claim with PayPal XXXX case # XXXX XXXX XXXX ID : XXXX ) and I provided all the documentation stated that i am entitled for refund in the amount of {$780.00}, their first response to my dispute that they are offering me {$700.00} as a resolution offered by XXXX, i replied that the amount is not correct, as per the documents i provided i am entitled for {$780.00} After this they denied my case, I called again to appeal the car and how come they offered me a less amount and when i refused it, they close it immediately Again they have reopened it and after few days, they refuse it for the second time Again for the third and last time, i called explaining everything again and asked to reopen the case again even if i will receive only {$700.00} which is not the correct amount but at least better than nothing, again and for the third time, they left me few days, then deny the case again I dont know what is going on, i asked them what Egyptair is replying to them so they close the case and they refused to tell me what is their answer Now XXXX is ripping me off and PayPal is helping them by closing my claim for 3 times I need investigation for what is going on between PayPal and XXXX, why are they refusing to give my money back although they accept it in the first place
Product: Credit reporting, credit repair services, or other personal consumer reports

This memorandum is in reference to Synchrony Bank located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if Synchrony Bank would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within 24 hours to cancel my application and he did not. He did take the funds that Synchrony had given to him.
Product: Credit card

Unbeknownst to me there was an introductory period with no interest, and the entire interest balance for that period would be added as soon as the period was over. I did not get any notification that the period was ending outside of my normal paperless statements. Since it was on auto pay ( and because I was XXXX XXXX XXXX ), I didn't monitor them closely. They looked exactly the same as they normally do in my email inbox. I would expect a separate email or text alerting me to this introductory period ending and warning me of a charge of this size. An interest charge for almost {$1900.00} was added on that date, more than doubling my outstanding balance. I would have paid it off had I known. Almost {$2000.00} down the drain. That's obviously exactly what they wanted to happen. This was for a healthcare expense. This seems predatory. I also do not recall being told anything about this introductory period when I financed the expense.
Product: Credit reporting, credit repair services, or other personal consumer reports

In light of the recent data breach with Equifax, I have been attempting to initiate a security freeze with Equifax. After several attempts on their website, I keep getting directed to a page that involves only removing a security freeze. I do n't have a current security freeze with Equifax. I have never made a payment or received a PIN for that purpose. 
There is no way to speak with a customer service agent about this. An error message pops up when clicking on a link to speak with customer service representative. 
I have been able to place a security freeze with the other credit reporting agencies, XXXX and XXXX.
Product: Debt collection

I am writing to you in the strongest possible terms regarding the fraudulent accounts currently tarnishing my credit report. It has come to my attention that there are accounts on my credit report that are the result of identity theft and fraud. I demand immediate and aggressive action to rectify this egregious error. XXXX  XXXX and XXXX  XXXX
Product: Credit card

To Whom It May Concern, I am writing to formally file a complaint against COMENITYCAPITALBANK/THE for their failure to comply with the Fair Debt Collection Practices Act ( FDCPA ) regarding debt validation. 
On XX/XX/2025, I submitted a written request to COMENITYCAPITALBANK/THE asking for validation of the alleged debt they claim I owe. Under 15 U.S.C. 1692g of the FDCPA, creditors are required to provide validation within 30 days of receiving my request. However, despite the expiration of this period, I have not received any validation of the debt. 
Since they have failed to validate the debt, they are legally required to cease collection efforts and remove the account from my credit report. However, they have continued their collection activities, which is a violation of federal law. 
I request the CFPB to investigate this matter and take appropriate enforcement action to ensure compliance with the FDCPA. Additionally, I ask that the creditor be directed to immediately cease collection efforts and remove the unvalidated account from my credit report. 
I have attached copies of my original debt validation request, proof of delivery, and any correspondence related to this matter for your review. 
Thank you for your time and assistance. Please let me know if any further information is required. I look forward to your prompt response. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Synchony Bank ( XXXX XXXX XXXX, XXXX, PA, XXXX ) has instituted a fee for receiving a paper statement for transactions after XX/XX/24. Demanding all credit card accounts to only get an online statement is detrimental to those without ready access to online systems. Not all consumers have, or desire to, access credit card statements online. To charge a fee for what should be a standard consumer access to mailed statements is unfair to consumers. Since Synchony has several cards tied to companies that require a specific credit card ( Synchony ) for discounts or other features this is an unfair additional cost to consumers.
Product: Checking or savings account

Tried to open account and was denied several times without explanation.
Product: Credit reporting or other personal consumer reports

XXXX has allowed in accurate information to remain a consumer credit reports and proper reinsertation sham investigation has failed to follow the Fair credit report act per fcra by not connecting reasonable investigation into consumer disputes after several attempts. 

According to the fair credit act fcra section 605b it is illegal to report information on my credit report without my permission please remove this item from my credit report. 
Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple inaccuracies on my credit reports. I have discovered significant inconsistencies that adversely affect my credit score and wish to resolve these issues
Product: Debt collection

This company has very aggressive phones calls and after I submitted a letter to verify the debt they fail to do and this was clear on a previous complaints with the CFPB and now is a different company with the same tactics
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE INFORMATION SUPPLIED IN THE ATTACHED DOCUMENTS. Furnishing this information is also a violation of thePrivacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Product: Mortgage

In XXXX, I was laid off from my employer, and after that I developed XXXX XXXX in XXXX. Unfortunately, I was only collecting unemployment, only {$1800.00}, which was a third of my original salary. I was not able to qua! ify for any XXXX assistance. So I got behind in my mortgage payments. So I worked with Select Portfolio directly, to process a mortgage modification with an attorney named XXXX XXXX, because after I tried to do myself, they kept stating that my package was incomplete, missing documents I sent, resent, faxed and emailed directly. Each time, they state that the modification was denied due to incomplete submittal. I went through this process 12 times, re submitting and getting the same excuse for denial. Finally, my attorney says he can not help me. So that 's when I hired another legal advisor, XXXX XXXX. I worked several years on a work out option, I even tried to pay the past due amount to re instate my mortgage. They refused me to make any payments, and will not accept any at this time. Even when I went back to work, they still denied a loan modification. All in all, it was a terrible experience, I was offered to try to modify, and 12 times, they lied, and misplaced my documents, and very rude people to deal with.
Product: Debt collection

The date of this debt is unknown. They do not have it listed. The amount they have is {$630.00}. I received a collections letter from this company regarding a debt from XXXX. I do not have XXXX, I have never had XXXX, I don't owe XXXX anything. When I call them, they refuse to answer any of my questions or transfer me to a higher authority. 
I want this removed from my credit reports and I want them to leave me alone. 
15 USC 1692C - If a consumer notifies and debt collector that the consumer refuses to pay a debt, the debt collector must cease all communications. 

The company name is Jefferson Capital systems LLC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit reporting or other personal consumer reports

CC : CONSUMER FINANCIAL PROTECTION BUREAU AND AND FEDERAL TRADE COMMISSION. 

RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g.

CFFB COMPLIANT NUMBER : DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!! 


I am writing to formally express my extreme frustration and disappointment with the consistently inaccurate information being reported on my credit profile by XXXX and TransUnion for the past year. Despite my persistent efforts to rectify these errors in accordance with my rights as a consumer under the Fair Credit Reporting Act ( 15 U.S.C 1681 ), it is disheartening to note that these issues remain unresolved. Over the course of the past several months, I have repeatedly exercised my right to dispute the inaccuracies on my credit report, citing the provisions of 15 U.S.C 1681 as a reminder of your legal obligation to ensure the fairness of the information you disseminate. My disputes on all 5 accounts listed below ( In Addition to, falsely reported inquires and an address I have no knowledge of nor have I lived at the address ), each backed by solid evidence of inaccuracies, have been submitted through certified mail and meticulously documented to ensure a clear and traceable record of communication. Despite my adherence to the prescribed dispute process and the gravity of the matter, I have yet to witness any meaningful action taken by the companies listed to rectify these erroneous entries. It is disconcerting to realize that my diligent efforts to correct these inaccuracies, backed by the law, have been met with indifference. Furthermore, I have discovered that my personal information has been shared without my consent to various third-party entities for financial benefit, a practice that appears to contradict both the principles of privacy and the standards set forth by the Fair Credit Reporting Act. The unauthorized sharing of my sensitive financial data raises serious concerns about my privacy and security, and it is essential that this practice is immediately ceased. I want to emphasize that my intent is not to engage in a confrontational exchange but rather to assert my rights and seek a resolution that upholds the principles of fairness, transparency, and accuracy that the credit reporting system is built upon. In light of the continued inaction and indifference to my plight, I am left with no choice but to escalate this matter. I expect an urgent and comprehensive response to this complaint, to rectify the inaccuracies on my credit report and ensure that my personal information is no longer shared without my explicit consent. Failure to address these concerns adequately will leave me with no alternative but to pursue legal avenues to protect my rights and seek appropriate compensation for the damages caused by these inaccuracies. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inqury on my XXXX I do not have a loan with them.
Product: Mortgage

This is the third iteration of the same complaint. With complete disregard, and disrrespect for the wording of my XXXX XXXX XXXX XXXX XXXX which states '' the LENDER WAIVES THE REQUIREMENT FOR THE OWNER TO PAY FOR HAZARD INSURANCE '', where there exists a valid ASSN. CONDO MASTER POLICY, Celink has " force placed '' a hazard INSURANCE policy onto my account., My XXXX XXXX also addresses coverage for all improvements, thus negating the need to be itemized in the Master Policy as Mr XXXX XXXX suggests. Mr. XXXX 's recent response is invalid in that he cites anexpired XXXX XXXX XXXX. TheXXXX XXXX & XXXX XXXX Policy can be viewed by going to XXXX, and entering XXXX  XXXX XXXX  XXXX, XXXX [ as I explained on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : DELETIONS TO CREDIT REPORT To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below : Item # XXXX. EquifaxXXXX XXXX XXXX Account XXXX XXXX Reason for Deletion : Omitting information, such as Original creditor, company sold, balance, monthly payment, past due amount, highest balance, terms, and your statement. Status should be Paid in Full and account deleted from credit profile.
Product: Debt collection

Hit on my credit report for a delinquent account. 
Called number provided in complaint and found its an XXXX account opened in my name for someone with address XXXX XXXX XXXX XXXX XXXX I have never lived or been to XXXX or had an account with XXXX, started credit freeze, police report and locking all accounts.
Product: Mortgage

I applied for a loan modification over 18 months ago with SLS ( Specialized Loan Servicing LLC ). I have been diligently providing all documents requested by them, often multiple times, in an effort to have the modification approved. I was advised early on in the process that I qualified for the loan modification. To date they have failed to approve the modification and continue to ask for materials that were previously provided. In the multiple repeated phone calls to SLS they have not had the same individual answer the phone and I keep getting different stories from whatever representative I speak with. This company has been impossible to deal with and is going to cause me to lose the property that I was seeking the modification for due to their inordinate delay and complete inability to respond to this request in a reasonable manner. At this point I am facing a Sheriff 's sale next week on my property due to the fact that they continue to give me the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and received my credit report and found numerous inaccurate, aliases, accounts and addresses that are damaging my credit report! I have sent 4 rounds of certified and notarized letters to XXXX, Equifax, and XXXX. I have even spoke with the fraud department in each agency and sent a FTC identity theft report to each agency. 

I have sent certified letters to XXXX asking them to remove Several addresses from my report because I only have one address. 

I have also sent letters to each agency explaining and demanding to remove negative transaction history as well as fraudulent collections! 

According to the 15 U.S.C 1681 law, there should not be any damages on my report and it is a defamation to my character.
Product: Credit card or prepaid card

Netspend new accounts ask for two forms of ID ( government ID and utility bill ) be sent to an email and there is also a phone prompter questions to verify a new identity AND the document does not say anything about verifying your social security number nor does it ask for any of this. Sending these documents to a system we believe is outsourced where there can be identity theft problems in other countries. They have refused to grant me my verification so I called them to get my {$10.00} released and they said I can just spend the money on the card and later close the account. They have blocked my online transfer facility after they told me that I could facilitate that if I got a new card and that advice was wrong. I have sent back to them a screenshot of the initial online form where it requests these two forms of verification for who I am - and not a verification of my social security. After all, it's a prepaid card and they are not giving me any credit. The email that they are giving out to use has the wrong address they told me at customer service. 
Mail Delivery System XXXX is what you receive but the email is to Documents XXXX, and thy have a mail delivery problem. This is no way to send out personal documents.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had inaccurate personal information on my report.

The following personal information is inaccurate Addresses : 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
Product: Checking or savings account

Tuesday XXXX XXXX a fraudulent withdraw of {$3900.00} from my Bank of America account occurred at XXXX XXXX XXXX XXXX XXXXI notified Bank of American Tuesday XX/XX/2024 that I nor did my wife make this withdraw seeing that we are both located in XXXX. Bank of America froze our account and started an investigation. 

We have called weekly for updates on the case with little to no information. Bank of America informed us that they would be sending documents if they needed more information but we have not received anything. Last week on XX/XX/2024 I contacted Bank of America again and they informed me they were waiting on video surveillance of the withdraw and we have heard nothing else. 

I would just like this resolved and my money returned. It seems like a fail on Bank of Americas side because I cant even withdraw that much money without proper identification.
Product: Checking or savings account

The bank dime closed my account and issued a cashiers check which I never cashed and not its voided I need a new check since it expired with my funds
Product: Credit card

In XX/XX/year>, I had to have XXXX XXXXXXXX for my dog XXXX. In order to pay for the service, the vet suggested I apply for a CareCredit credit card with Synchrony Bank. I completed my application online and was unaware of a defaulted option to have an optional credit protection product included, which would pay my minimum payment or balance in the event XXXX XXXX XXXX XXXX  or went in XXXX. I was not aware that this was added or would charge me and given that I didnt use the card again, I didnt think to look at my statement to see the continuous charges for this added coverage as I was just paying my bill automatically. It was only recently that I looked and saw over {$300.00} in additional charges had accumulated for a service that is a subsidiary of Synchrony Bank. 

I was in a state of duress when I applied for the card, worried about my dog, and many CareCredit applicants are likely in the same boat, applying as a result or an unexpected emergency. Synchrony is profiting from people who arent paying close attention during emotionally stressful situations, and I would like to have those charges refunded to my card and that company should not be allowed to offer that protection during the application process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XX/XX/2022, I requested a wet signature signed contract that I owe PORTFOLIO RECOVERY ASSOCIATES LLC and XXXX XXXX! They have also placed a late payment on the account and the accounts are closed. If the company can not send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid 2 car payments through XXXX XXXX as I normally do and Chase never got teh payments. I got a call just once and I let them know payments were made. They said they added the notes and two days later I got a credit alert about a late payment. 

once payment was made on XXXX XXXX for {$450.00} and another payment was made on XX/XX/XXXX for {$450.00} Chase said they never received them so I voided the checks through XXXX XXXX and made the payments online. The credit report still shows i made the late payment which I sent both on time with proof I did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX/XXXX  XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : $ XXXX, XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Balance {$1500.00}.