23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I purchased a ticket from XXXX through Paypal with my PayPal Mastercard issued by Synchrony Bank. The ticket listing SPECIFICALLY stated CLEAR VIEW, and that's why I purchased it. When I got to the venue, I found my seat was DIRECTLY behind a HUGE pole FULLY obstructing my view ( see attached ) I attempted to contact XXXX customer service and they provide ZERO customer service. All their website does is point you to FAQ 's and policies. When I got home, I tried contacting XXXX, and all I received were useless copied and pasted FAQ responses. I filed a dispute with Synchrony through Paypal on XXXX. XXXX, since the merchant was unresponsive. Synchrony issued a credit and stated it would be reviewed. Then, without telling me or any notice, Synchrony quietly put the charge back on my credit card statement on XX/XX/XXXX, assuming I wouldn't notice, It doesn't appear under my Paypal transactions, and when I look under my disputes in my Paypal account it still states UNDER REVIEW as of today, XX/XX/XXXX I called Synchrony customer service, who told me that I was mailed a letter last month telling me they received information from the merchant that the transaction took place and reversed the credit. A. I received no such notice, and B. Yes, the transaction took place, but it was FALSE ADVERTISING and should've been refunded under their stated policies and guarantee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied to XXXX for XXXX, XXXX XXXX and XXXXXXXX XXXX. The background check company they used is reporting my License as Invalid and has wrong issue date. I was reissued a current license when i added Endorsements for XXXX XXXX job. I can not XXXX for this companies with wrong information.
Product: Credit card

Opened debit card without knowledge
And also possible checking and saving acct
Product: Debt collection

These crooks were sent a Cease and Desist letter through your office as well as the XXXX XXXX XXXX  in XXXX  look at my file! This is also a time barred credit card debt that is well over XXXX XXXX  old the statute of limitations for credit card debt in the State of XXXX  is XXXX XXXX  so you need to enforce the FDCPA laws on them for trying to collect on it and I am not required to send them anything nor will I be and am sending all to a debt collection attorney to sue them!! They also sent me four copies of this fraud letter in one day more harassment!! If they contact me again I will also be suing them for stalking and harassment!! I want a copy of my complaint forwarded to the FTC and XXXX XXXX XXXX  so they also can go after them!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a number of letters to disput these items and Ive also asked for fraud alert to be placed on all three credit bureaus. I have filled out paperwork and sent to both the credit bureaus and the credit card companys explaining that these accounts are not mine and I cant seem to get any help with getting these accounts removed. Ive even offered to pay the accounts to be removed and no response from the credit card companies or the bureaus after 55 days from the first letters being sent. I have also asked for proof ( methods of verification ) to be sent to me after getting updates that the accounts were verified. No response to those request only one very unprofessional email from XXXX  and nothing from XXXX  or experian about these accounts.
Product: Checking or savings account

I spoke to someone from Citi bank who was willing to help me until I decided to close my account because of promotion ambiguities. I was told, " Okay, one second. '' Then, I was placed on hold for 25 minutes in an attempt to get me to disconnect my call. 

If I didn't close my account, I would have been assessed $ XXXX.
Product: Debt collection

XXXX XXXX received verification of debt regarding an account reporting on my credit report that I do not have any knowledge of. Please see the attached documents that were mailed to the creditor inquiring about the account. Creditor did not respond back verifying debt.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ) XXXX XX/XX/2019 Navient/Department of Education To Whom It May Concern : I am writing to challenge the reporting and compliance on an account with Navient /Department of Education . I am writing to request an investigation with the BarrowDefense Department.

I feel they are taking to long to review and make proper decisions.
Product: Debt collection

CAC Financial Corp has placed the debts of those with names like mine on my credit report. The debt was created in XXXX Louisiana, where I have never lived nor been hospitalized. I called XX/XX/XXXX and XX/XX/XXXX, being told each time they could not assist me. This is unacceptable!
Product: Credit card

I have disputed this before with the agencies, most recently a year ago, got a letter " creditor said information was accurate '', totally impossible. Years ago I got a call from BOA, so I asked proof of debt/payment. I searched my bank for the dates they gave me on the phone and more recently on my credit report, couldnt find any payments for those dates, let alone month within 7 years, I never got confirmation from them. I 've lived in the same house for 9 years, and have bank records computerized, going back 11 years and just to be safe searched quicken as well as the electronic statements finding no payments so it needs to be removed, and taken off XXXX / XXXX, I want to make it clear I 've had XXXX for 10+ years so the payment would be there, I even tried to match payment dates and nothing,. I feel they are re-dating, in fact XXXX / XXXX show different payment dates to keep it within the 7 year mark to keep it listed. 
Either way this is past statute and needs to be removed from the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Report Act Experian is violating my rights by regarding XXXX  XXXX Bankruptcy reference number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/2019 XXXX debt collector stating that she is with a debt collection company named Orion , attempting to collect a debt owed to balance credit. Threatened to contact my employer. Stated that they would move forward with their action and gain employment verification. I have repeatedly asked them to stop contacting me and told them that my debt does not lie with them, but with the original creditor.
Product: Credit card

This account is invalid. Mercury Financial needs to verify under oath that this claim is valid, freeform any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be removed from my credit & their records. 


Mercury cc # XXXX ( Mercury Financial LLC )
Product: Student loan

I established autopay with my new checking account from the last 3 years of no payments, my autopay was scheduled XX/XX/2023 with their website confirming this. Payment was never taken out, now my account is past due and assessed additional fees. I can not contact customer service since their wait times are 3+ hours. Their site now says autopay scheduled XXXX for double the amount and fees, Ive never made any changes to my autopay, it should have applied XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX  party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Checking or savings account

My Chase business account has being card frauds since XXXX XXXX XXXX4 when Im in XXXX for vacation ( XXXX XXXX XXXX ) When I get back to XXXX and XXXX to my local Chase branch ( on XX/XX/year> ) to report I have a few transactions that is not made by me which is XX/XX/year> amount of {$1400.00} ( XXXX  ), XX/XX/year> amount of {$540.00} ( XXXX XXXX ), XX/XX/year> amount of {$680.00} ( XXXX XXXX XXXX XXXX ), XX/XX/year> amount of {$140.00} ( XXXX XXXX XXXX , and XX/XX/year> amount of {$940.00} ( XXXX XXXX XXXX XXXX ). On XX/XX/year>, I noticed that there one transaction is not refund which is the amount of {$940.00} made on XX/XX/year> of XXXX XXXX XXXX XXXX. So I went to the same local branch again to see what is going on. The lady help me to call Chase Secure Center and what they said is they already refunded the money I reported and printed out a sheet show which transactions they already refund but theres no show the amount of {$940.00}. The secure center agent said they can reopen the case and just fill out a sheet of paper and upload, so I did everything in the branch and the bank agent upload documents for me. Two weeks later, I still didnt received anything from chase so I went to the same local bank on XX/XX/year> to see what happened, a guy banker help me to call XXXX XXXX and what they said is the case is close due to overtime ( 30 day ). So I wonder now if it is over 30 days why chase bank dont tell me the first place ( on XX/XX/year> ) and saying that they will reopen the case and upload the documents. Now I waste two weeks waiting on this, and didnt get my money back.
Product: Checking or savings account

I am seeking reimbursement of {$1400.00} from JP Morgan Chase Bank. 

On XX/XX/2022 my XXXX XXXX XXXX checking account received an XXXX debit from JP Morgan Chase Bank in the amount of {$1400.00}. 

I authorized this XXXX debit when I set up XXXX. The funds should have been applied to my Chase auto loan # XXXX due on XX/XX/2022. I received a text via XXXX message that the XXXX transaction had occurred on XX/XX/2022. 

On XX/XX/2022 I received a notice from Chase Bank indicating my payment was overdue at which time I called XXXX XXXX to verify a record of the transfer to Chase Bank. 

XXXX XXXX Bank statement for XX/XX/2022 was obtained which indicates the transfer of {$1400.00} on XX/XX/2022 from my business checking account with the XXXX XXXX XXXX ID # XXXX. 

On XX/XX/2022 I called Chase auto finance and was informed that no funds had been applied to my auto loan. I spoke with XXXX, a Chase supervisor in the XXXX XXXX department and provided her with an image of my XXXX XXXX Bank XXXX. XXXX escalated the claim, but I did not immediately follow up on the status of the claim. 

On XX/XX/2022 I called Chase to follow up my claim and spoke with XXXX, a different Chase supervisor. I provided the XXXX XXXX bank statement and Trace ID of the XXXX debit. XXXX explained the XXXX Department required a source of receipt to release funds which is possible in a bill payment transaction where a bank forwards a check to another and copies both sides of the check. In the case of an XXXX  debit the only source Im aware of is the XXXX XXXX outgoing Trace ID which I already provided to Gee. 

XXXX contacted me on XX/XX/2022 and said that she did not have the authority to override the XXXX XXXX Department decision. XXXX added there is nothing they can do without the source of receipt. 

I made the XXXX payment within the grace period to avoid a late fee. I am current with my Chase auto loan, and I have never been late during the past 52 months of a 72-month contract. I have never had any problems with Chase Bank, and I hope Chase Bank would treat me with respect and reimburse my money.
Product: Mortgage

Carrington Mortgage Services now hold XXXX of my mortgages sold to them by XXXX XXXX XXXX. Based on info at the below link I feel this is a no win situation for any consumer. 
XXXX Carrington Mortgage has seemed shady since I first began with them as a result of XXXX XXXX XXXX selling my mortgage to them. Their online pay system seems to have a great deal of troubles. I would attempt to sign in, it would not work, so I would go through the whole " get help signing in '' process, which would not recognize my security answers. I have had to call about this numerous times. They used to tell me I could pay by phone, to which I would reply that they charge a fee for that service and that I should not have to pay an extra fee because they ca n't seem to keep their online pay system working. One time when I complained that my security answers were not being recognized, customer service told me that that system is not working, and then proceeded to do it manually. I should n't have had to do it at all, and I certainly should n't have to do it numerous times over and over, month after month. '' " If you are considering a loan from Carrington Mortgage Services, DO N'T DO IT! I pay most of my bills online and their website is jacked up. It posted a payment, then rejected it without letting me know and then reported a late payment on my credit report. The mistake was totally on their end and they refuse to resend the late payment status. This is n't the first time that it has happened. If you call them with ANY question, be prepared to give your life 's history and be on the phone at least 20 minutes even though they verify you from your phone number. I plan to flood social media about this company and recommend that if your experiences have been anything like mine that you do the same. They are sketchy at best and I am furious! '' " Our loan was sold from XXXX to CMS about 2 years ago. It has been XXXX nightmare after another. I think it 's appalling XXXX has done this to so many people. The first month with CMS, we received a letter saying we had an escrow deficit. Just like so many others, we did NOT have a deficit. They wanted to raise our payment nearly $ 100/mo. After multiple complaints and a complaint to the XXXX, they decided to raise our payment half that much over 2 years instead of the full amount for 1 year. We felt there was nothing else we could do. We have been ripped off for nearly 2 years.?
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed items to be blocked and deleted company information from Experian and XXXX. 

Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX Date : XX/XX/2022 Dear, Experian I just received my investigation results. Report XXXX : XXXX And saw account were verified. However, I have a few question : how do you complete your investigation? Did you talk to my neighbors, friends, family? If so, please inform me of the person who completed the investigation. One more thing, I was reading FCRA and noticed you violated these laws as well : 15 USC1681 ( a ) ( 4 ) 15 USC1681 ( e ) 15 USC1681 ( a ) ( 2 ) 15 USC1681 ( 5 ) ( A ) I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Delete this account immediately, unless you want to be held {$1000.00} per violation Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 SECTION 602 A, states i have the right privacy.

15 U.S.C.1681 section 604 A section 2, states a consumer reporting agency can not funish an account without my written instructions. 
15 U.S.C. 1681C ( A ) ( 5 ) SECTION STATES : nO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION : ANY OTHERADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF COVICTIONS AND CRIMES WHICH ANTEDATES THE REPORT BY XXXX YEARS 15 U.S.C. 1681S- 2 ( A ) ( 1 ) aa person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the
Product: Credit card or prepaid card

XXXX XXXX on XXXX XXXX reported that Bank of America had turned over credit card transactions to federal authorities without warrants or even suspicion of a crime in connection with the rally at the capitol building on XX/XX/XXXX. I was in Washington DC on XX/XX/XXXX for the rally and did so peacefully and patriotically. 

I called Bank of America to see if they had illegally turned over my transaction data to authorities and BOA said they handled this the same as any other request from authorities and that a warrant would be required. I questioned why XXXX XXXX would have made a story of this if it was all standard procedure and the BOA representative was unsure. 

I would like you to look into the circumstances of this to see if my information was illegally shared. And if they did illegally give my information away, BOA needs to be held accountable for this. 

Please get back to me with what you find out after looking into this. 

Thank you for serving the need for justice for all Iowans.
Product: Debt collection

I sent XXXX XXXX XXXX a letter XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX about so called debt that they never responded to debt was then discharged but XXXX XXXX continued to report it on my Credit Report. Per the IRS website a debt discharged from said company is supposed to be removed from report and consumer is supposed to receive a 1099C so it can be claimed on taxes as income. That never happened and XXXX XXXX never responded. Then debt was sold to Midland Credit Management. I was never informed by XXXX XXXX that debt was sold. After checking Credit Report I noticed that they had multiple negative reports they had added. I then send Midland a letter one XX/XX/XXXX, that they had no right to report any negative reports on my CR. And another letter XX/XX/XXXX trying to resolve this matter amicably. No response from Midland as of XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concernsis unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Dear Fair Collections & Outs, I hope this letter finds you well. I am writing to bring to your attention some concerning discrepancies in the credit reporting related to my account. Specifically, I am referencing the provisions outlined in 15 USC 1692e and FCRA 623 ( a ) ( 3 ) 807 regarding false or misleading representations.

Upon reviewing my credit report, I noticed that Fair Collections & Outs has reported certain information that appears to be inaccurate or misleading. According to the aforementioned legal statutes, debt collectors are prohibited from engaging in any conduct that is deceptive or misleading, including the false representation of the character, amount, or legal status of any debt.

In accordance with 15 USC 1692e, it is imperative that all communications from debt collectors, including those reflected in credit reporting, are truthful and not misleading. Additionally, FCRA 623 ( a ) ( 3 ) 807 explicitly prohibits the dissemination of false information by credit reporting agencies, which includes the reporting of inaccurate debts or misleading representations. 

After careful examination of my credit report, I have identified the following discrepancies [ provide specific details about the inaccuracies in the credit reporting, such as incorrect debt amounts, misrepresented account statuses, or any other misleading information ]. 

Given the legal obligations outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I kindly request that Fair Collections & Outs promptly investigate these discrepancies and take appropriate measures to ensure the accuracy and integrity of the information being reported to credit bureaus. 

Furthermore, as a consumer protected by federal law, I expect to receive written confirmation of the results of your investigation within the time frame specified by the FCRA. 

Please consider this letter as a formal dispute of the inaccuracies in my credit report as reported by Fair Collections & Outs. I appreciate your prompt attention to this matter and your cooperation in resolving these issues in a timely manner. 

Thank you for your understanding and cooperation.
Product: Debt collection

sent fraud affidavit to collector and stated fraud collector sold collection account and now its charge off, collector has not reply to letter which is asking for original contract