23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Pusuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank! Synchrony Bank did not provide the documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section Synchrony Bank did not honor my dispute! They just sent correspondence saying the account was sold to XXXX XXXX XXXX which is a direct violation of the FCRA! 

( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information.
Product: Credit reporting or other personal consumer reports

Lexis Nexis violated my consumer rights under the FCRA, cease from reporting my personal information or I will seek legal action. I have a letter from the court of filling, as well as documents to verify my identity.
Product: Checking or savings account

In XX/XX/XXXX I opened a CD with Marcus by Goldman Sachs. In XX/XX/XXXX I received an email inviting me to open another CD@ 5.40 %. On XX/XX/XXXX I mailed a check for {$7500.00} to Marcus. The check was negotiated by my bank on XX/XX/XXXX. On XX/XX/XXXX I checked my account and saw that no new CD had been opened, and the money did not appear in my existing account. I called Marcus and spoke with a representative who referred me to her supervisor. At first I was told to check the State of California website for unclaimed property. However the property is not unclaimed as the check has been cashed. The supervisor acknowledged this and told me the error would be resolved within 3 days. It has not been resolved. I have no idea where my {$7500.00} is and I want it back.
Product: Debt collection

XX/XX/2023 I disputed account through CFPB Complaint # XXXX - XXXX asking to verify or delete this debt that is stating negative on Credit report as I do not recall having. Company responded on XX/XX/2023 with a letter that says that information provided does not match or corresponds with their records. Now, it's asking for personal info. If account is mine company should not need to ask for my personal info as they should already have it. Letter received does not verify debt for that reason I ask that account gets deleted now. I have attached copy of current credit report and response letter that was sent by creditor to further assist along with CFPB complaint #. Email or mail are the best ways to get a hold of me unfortunately.
Product: Bank account or service

I have been a victim of a fraud and identity theft. Someone stole my Chase Atm card and saw my pin ( maybe over my shoulder I can only speculate ) the amount stolen was {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have XXXX police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded. 

I informed the FBI, the XXXX and Consumer and before I take further action I wound like you to interfere with Chase and send this complaint on my behalf. 

Thank you in advance! 

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

I have been on the phone with LITERALLY XXXX representatives and a TOTAL OF XXXX hours ... I have been following up on my dispute and MOST say they don't see my paperwork and others do... .then when I ask to get to a supervisor, most say they don't have the ability to transfer me, so I have to keep calling back until I finally get someone who transfer me. They claim they do not see an CFPB report, when I log into the portal, and see the date and their response back to the CFPB... which says the are looking into it ... I ask to be connected to the Consumer Affairs office and they seem to put me through to XXXX of their co-workers in the same office. When I ask what department they are in I normally get fraud department. Remind you that calls are averaging about XXXX - XXXX hours PER CALL. They are playing games with me and no one there is giving me the courtesy as a consumer. I don't have time to sit and play games with these people and this is not a joke the way they are handling this situation! I'm also contacting the OCC because they can't continue to treat consumers this way.
Product: Debt collection

My fiance and I moved out of our apartment XX/XX/XXXX into our new home. We didn't hear anything from the landlord for a few weeks. On XX/XX/XXXX we received a move out statement that we owed {$980.00} for rent for the month of XX/XX/XXXX which we had already paid on XX/XX/XXXX. This amount was clearly stated it was for rent and not the security deposit which we had already gotten back. On that same day ( XX/XX/XXXX ) we sent the apartment company an email disputing the charges along with proof that we had already paid the rent. They refused to respond by email, only wanted to call us. Due to previous disputes with this same company, we wanted to get statements in writing which they refused to do. They instead sent us another statement on XX/XX/XXXX showing that we owed {$1200.00} which now included rent for the first week of XX/XX/XXXX. Our lease officially had ended XX/XX/XXXX. We were sent to collections and received our first collections notice on XX/XX/XXXX, a whole year later. We asked for proof of debt from the collections agency and tried to dispute the charges with them and all that they sent back to us was a copy of our lease. We have all of the documentation that we do not owe this debt and have provided the agency with it and they have chosen to ignore the information provided
Product: Checking or savings account

My online bank Capital One has reversed three credits w/o advance notice and I cant even find one of the charges when I go back looking for it. I think the charge may have been made while I was using a different online bank. Capital one said I was credited twice, once by the company XXXX which I remember and once by Capital One which I do not remember. Shouldnt I be able to access the time period in my account online so I can see for myself?? Thank you respectfully signed XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the multiple unsuccessful attempts to remove a charge-off from my account with your company. I believe in fair and transparent financial practices, and I have been diligent in addressing this matter through various channels without resolution. 

I have made multiple requests to your customer service department, both over the phone and in writing, seeking assistance in rectifying the charge-off on my account. Unfortunately, despite my efforts and numerous promises from your representatives, the charge-off remains on my account. 

This persistent issue has not only caused undue stress but has also negatively impacted my credit score and financial well-being. I have attached copies of previous correspondences, including reference numbers and dates, for your review and reference. 

I understand that errors can occur in financial transactions, but the lack of resolution after repeated attempts is unacceptable. As a valued customer, I expect timely and efficient resolution to rectify this situation. 

I kindly request the following actions be taken promptly : Conduct a thorough investigation into the charge-off on my account. 
Provide a detailed explanation for the failure to remove the charge-off despite previous assurances. 
Take immediate steps to rectify the charge-off and update my credit report accordingly. 
Provide confirmation of the resolution in writing, including the expected timeframe for completion. 
I expect this matter to be resolved promptly, within the specified timeframe from the date of this letter. Failure to address this complaint in a timely and satisfactory manner may compel me to escalate the matter to relevant regulatory authorities and seek legal counsel to protect my rights as a consumer. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$3800.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Equifax credit bureau to validate the account ( A ). It is not permissible to fail to validate the reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$900.00}
Product: Bank account or service

On XXXX XXXX, 2009, a large home, worth about XXXX burned down mysteriously at night. It is in our neighborhood, which has a lot of nice homes. It has been nearly 7 years now, and nothing has happened to tear down or rebuild the home, which is a mess and eye-sore to the community. Why am I writing this : I have been working this case for years now. CHASE Bank seems to be either the owner or the owner of the mortgage. The problem with that, is Chase " hides '' like a child behind laws that are on the books - to NOT tell anyone anything! Hence, XXXX of people here in the community have inquired of Chase about the property, to possibly buy & restore, to tear down the remaining poor structure, etc., but Chase says that they can not tell us anything as we are not the owners. Chase has previously also inferred that they were not the owner, but that the person who built the home, is the proper owner. Whenever we contact him, he adamantly says he is not the owner, but to contact Chase. Wow, what a run-a-round!!! I 've tried to contact JP Morgan Chase 's CEO XXXX XXXX, but that seems to also fall on deaf ears. I 've complained, through this site a couple years ago, once before, and insufficient results only were obtained. So, I 'm DOING so again! Chase owes the public an explanation, so we can then clear up our neighborhood to not appear like a trash bin!
Product: Debt collection

I have a collection from SUNRISE CREDIT SERVICES, INC. XXXX XXXX XXXX XXXX XXXX NY XXXX : ( XXXX ) XXXX I have a statement from XXXX the company I had cable tv service through stating the account was closed with XXXX balance on XX/XX/XXXX. Sunrise is stating that a balance is still owned from XX/XX/XXXX. Sunrise has a history of collecting accounts under shady circumstances without providing supporting documentation of the debt.
Product: Vehicle loan or lease

XXXX XXXX evades state interest rate caps and deprives consumers of the ability to make informed decisions, to compare financing options, or to avoid high interest charges. Under the XXXX XXXX XXXX XXXX, the CFPB has the authority to take action against institutions violating consumer financial protection laws, including engaging in unfair, deceptive, or abusive acts or practices. XXXX XXXX obscured the true cost of its loans, subjecting me to severe XXXX XXXX and aggressive debt collection on loans its own systems predicted that I can't afford to repay. Under Section 47-14-103, the state legal maximum interest rate is ten percent per annum. Under Section 47-14-121, interest rate on money judgment is ten percent per annum. If the judgment is based on a note or contract fixing another rate of interest, the interest will be same as agreed in the transaction.Charging higher rate of interest than the permitted state legal maximum interest rate is usury. Under Section 47-14-117, any contract charging usurious interest is not enforceable ; in such contracts the lender can only recover the principal amount and the lawful interest. If it is found that the lender has taken usurious interest, charges or fees, the lender will have to reimburse twice the amount collected from the debtor plus attorney fees. I had to pay more than XXXX in shop repairs because the car broke down and the extended warranty was a waste of money this was a rip off all the way around the board. Credit Acceptance Corp is horrible. I even explained to them that I caught XXXX and tried to get the payments in default they said they didnt do it I even tried to refinance they didnt do that either.
Product: Credit reporting or other personal consumer reports

Equifax Credit Reporting -- -- -Poor business practice compared to XXXX XXXX XXXX XXXX -- -- -Unsafe credit reporting procedures : I was recently informed by a credit monitoring agency that my social security number was released in the National Public Data Breach .

I used the FTC/Free Credit Report web site and my XXXX & XXXX credit report were readily available, however, my Equifax credit report required a formal mailed request that would contain numerous personal identifying details, ie : SS #, DOB, etc.

Sending personal identifying information through the U.S. Postal Service is not safe or reasonable. A document containing personal identifying information can be illegally intercepted going to Equifax, or coming from Equifax. 
To further investigate, I called Equifax to get a copy of my credit report as follows : XX/XX/year>, morning Called several times, I was hung-up on several times by their automated telephone service, I estimate that I was on hold, in total, for over 1 hour. I was never able to talk to a representative. 
XXXX and XXXX do the job right. They provide credit reports in an easy, consumer friendly, and efficient manner. 
Equifax is not consumer friendly. My social security number was released in a major security breech, and Equifax failed to provide adequate support. This has been a frustrating experience. 
I request a copy of my Equifax Credit Report.
Product: Debt collection

I never initiated any transaction with Caine & Weiner ( neither XXXX XXXX or XXXX XXXX ), and I dont have a contract with Caine & Weiner XXXX They reported a debt I do not owe onto my consumer report while simultaneously harassing me and trying to coerce me into paying an alleged debt. I asked for proof of the alleged debt. Caine & Weiner did not verify the debt and continued negative reporting ruining my credit score. They violated my consumer rights and was made aware of it in writing. They didn't care, they parked the debt on my consumer report. This company has violated and abused debt collection practices, and they have also defamed my character.
Product: Vehicle loan or lease

What's against Pennsylvania auto credit when you're you're almost guaranteed a car when you shop at XXXX through Pennsylvania auto credit and I think they really take advantage of you I'm making two or three payments of {$230.00} every two weeks and if you miss one payment by 1 minute they turn your XXXX  car off
Product: Debt collection

I opened an account with XXXX in XX/XX/year> and bought XXXX phones. They activated XXXX phones on XXXX account, and for some reason activated the XXXX phone to a second account. I wasn't aware and when I receieved the first bill for the XXXX it was actually higher than what it was supposed to be with XXXX because of their deal. That's when we discovered my phone wasn't on there, but they never said there was another account. They told me they waived activation fees for my trouble. But then in XXXX I received an email from Sequium collecting a {$40.00} activation charge XXXX charged me on the second account that I never knew existed. I have contacted them and Sequium multiple times with no resolution.
Product: Debt collection

Received collection notice from XXXX XXXX XXXX. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both XXXX  and XXXX. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both XXXX and XXXX. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2019, I was trying to transfer {$200.00} through the Cash app from my Credit Union bank account to my Cash app debit card. I mistakenly sent it to my Credit Union debit card, which I had reported lost. So then I transferred another {$200.00} to my Cash app debit card. 
I kept waiting for the initial transfer of {$200.00} to go back to my Credit Union account but it never did. I could see that the transaction was showing as completed in the Cash app but it never turned around. 
I have created at least four support inquiries and on three occasions was able to get documents showing what they have on file. But when discussing with through email only, the support personnel seem to ignore that the initial {$200.00} inquiry should go through my credit union. I had already done that since I could see on my statement {$190.00} was deposited to my credit union account ( {$200.00} minus {$3.00}. for immediate use transfer through Cash app ). 
What I have not seen is the initial {$200.00} which should have also shown on my Credit Union account since the Cash app support team member told me that it was transferred to my Credit Union debit card. 
They refuse to give me the {$200.00} that supposedly went to that debit card and never showed up in my Credit Union account since the debit card was lost. 
I have the Cash app attached to both my Credit Union account and Credit Union debit card for deposits, transfers and sending and receiving cash.
Product: Debt collection

Said people were Going to come to my house because I didnt return my call, The ladies name was XXXX. I have the calls all recorded and will be contacting an attorney. I was also advised to file a complaint with this Website and with my Attorney Generals Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to today to inform you I was a victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an ID THEFT REPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission. 
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 XXXXXX/XX/XXXX. 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 an identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received many calls from a student loan company asking me for money. I never went to school, so I was confused on what was happening. I then pulled my credit on my own and I saw several student loans and other items on my report that are not mine. Please get the fraudulent items off my report. 

XXXX XXXX XXXX {$550.00} DEPTEDXXXX XXXX {$1600.00} XXXX  XXXX XXXX {$440.00} DEPTEDXXXX  XXXX {$4500.00} US DEPT ED XXXX {$7800.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$330.00}
Product: Debt collection

I have received several bills from Convergent saying I owe {$1700.00} to XXXX XXXX XXXX. The most recently dated XX/XX/20. 
This is a fraudulent claim. Years ago the same fraudulent claim was made, I researched it, disputed it and it was found to be fraudulent and therefore was dismissed. 
It has now resurfaced again. 
This company is committing fraud for demanding I pay money for a debt I did not incur.