23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had multiple synchrony bank Store credit cards. I pay most of my balances in full each month. I've had XXXX or XXXX cards with a small running balance. Synchrony doesn't like that I pay everything in full each month because they don't make the excessive interest that they try to charge. So what they do is send false claims stating that I had derogatory marks on my credit report, and they started to lower the credit on my cards which adversely affects my credit score. I therefore paid everything in full and closed mostly all of MySynchrony cards with the exception of XXXX, which will be paid in full and also closed. I closed PayPal credit PayPal XXXX XXXX, CareCredit, JCPenney, TJ Maxx, Lowe 's, XXXX XXXX and HSN, and QVC. This is the only bank that does this. I have accounts with XXXX, XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX I have never had this problem with other banks. I have very good credit no derogatory marks no late payments and no collection activity. My credit utilization is 13 % to 15 %. Synchrony bank is the only one that does this. They should not be allowed to issue credit cards because they use unfair practices when they don't get the interest that they want to charge.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Cosumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I call or try to log on to Transunion 's website I always get an error message to try again later. This has been going on for a little while now. I need to be able to see my credit report and score
Product: Debt collection

My identity was used fraudulently to open a personal loan on XX/XX/2018 with GOLDMAN SACHS BANK USA account # XXXX balance {$11000.00} This account is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against CAPITAL ONE BANK and XXXX for blatant violations of my rights under the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. I am seeking accountability, vindication, and compensation for their willful disregard of the aforementioned laws, specifically related to the unauthorized disclosure of my nonpublic personal information. 

Consumer Reporting Agencies, as defined by the FCRA ( 15 U.S.C. 1681a ( f ) ), play a critical role in assembling and evaluating consumer credit information. XXXX, being a Consumer Reporting Agency, is obligated to adhere to the stringent requirements of the FCRA, ensuring the protection of consumer privacy ( 15 U.S.C 1681 ). 

Details of Violations : XXXX. XXXXOpt Out Notice : XXXX On XX/XX/XXXX, I explicitly directed CAPITAL ONE BANK to cease reporting my personal consumer information to third-party affiliates through an opt-out notice, as per 12 CFR 1016.7. Despite this, CAPITAL ONE BANK continues to report my information to XXXX, directly violating the FCRA. ( Opt-out notice attached. ) To cure any ambiguity, XXXX does not have my consent to furnish any personal information, whether it be verbal, non-verbal, written, implied or otherwise, is REVOKED! 

XXXX XXXXDisclosure of Nonpublic Personal InformationXXXX  CAPITAL ONE BANK, a financial institution, disclosed my nonpublic personal information to XXXX without proper notice or consent, violating the Privacy Act of 1974 ( 5 U.S.C 552a ) and the FCRA ( 15 U.S.C code 6802 ). 

XXXXXXXX XXXXExclusion of Transaction and Experience InformationXXXX CAPITAL ONE BANK included transaction history in reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ), causing significant financial and emotional distress. 

XXXX. XXXXAdverse Item of InformationXXXX CAPITAL ONE BANK is reporting adverse information without my consent, affecting my credit. This directly violates 15 U.S.C 1681C ( a ) ( 5 ) and the FCRA. 

Remedial Actions Demanded : XXXX. Immediately delete any reports or disclosures made by CAPITAL ONE BANK to XXXX containing my personal information, specifically transaction history. 

XXXX. Compensation for Damages : Under XXXX XXXX XXXX XXXX, I demand compensation of { {$1000.00} } per violation for the damages incurred due to willful noncompliance. My fee invoice will be sent to XXXX directly. 

I kindly request the Consumer Financial Protection Bureau to take swift action against CAPITAL ONE BANK and XXXX to ensure compliance with the laws and regulations outlined above. Your intervention is crucial to rectify this situation promptly and hold both the banking institution and reporting agency accountable for their unlawful actions. 

Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Mortgage

On XX/XX/XXXX i received a letter from Caliber Home Loans that my application was declined for multiple issues none of which are correct or true. On top of it i never contacted Caliber for anything, let alone a mortgage refinance. They never got my acknowledgement or approval to pull my credit. My identity may be compromised because of this and they have not responded to my emails asking for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX Late DateXXXX
Product: Credit card or prepaid card

I have been a Capital One cardholder for several years with the Quicksilver Mastercard ending in XXXX. The record will show that I have a spotless payment history, no cardholder exceptions ever made, and most often my monthly statement balance paid in full each month.. Contacted XXXX in customer service on XX/XX/22 in regards to a finance charge of {$23.00} assessed on XX/XX/22, I explained that I paid the statement balance in full by the due date. Regardless, I received a long scripted convoluted explanation as to why I was charged interest. In fact, I was told no exception could be made to remove the small amount mentioned. Therefore, as I instructed, the account should be closed.
Product: Credit card

This compliant is in regards to two late payments lodged on my credit report, via Continental Finance, the servicer of my XXXX XXXX, issued by XXXX XXXX XXXX XXXX XXXX XXXX, this company is falsely reporting two late payments on my credit file and not updating my credit report accurately and in a timely manner. In addition, this company is charging me an adsorbent amount on late fees and high interest on this account. This company has reported my account late to the credit bureaus on two occasions and refuse to remove this false information for XX/XX/XXXX and XX/XX/2016. I have been in good standing with this company and continue to pay my debt obligations in a timely manner ; I always pay multiple payments, averaging three times a month, outside the parameters of my monthly billing statement, so how could my account ever become delinquent, or past due, the probability is very highly unlikely. Please have this company remove the false entry immediately.
Product: Mortgage

Specialized Loan Servicing made a billing error on my first statement after they purchased my loan from XXXX, and in their error, they are charging me {$670.00} in late fees, on an account that has never been late. I tried to call customer service, as well as fax my request with copies of my previous mortgage statement that shows the account was paid up to date, and the company did not resolve the issue, multiple customer service agents said they would look into the issue and contact me back, they never did. After multiple attempts at phone calls, messages, and faxes, one of the customer service team members lets me know that unless my request is mailed to a XXXX XXXX they completely ignore it. If the request is not mailed to the XXXX XXXX within XXXX days, the fee becomes valid, even though they charged it in error. I have now mailed the request with all supporting documentation to the XXXX XXXX they have, and I am working through the process of correcting this issue with them. I am filing a complaint because their process is incredibly difficult for a consumer to follow in order to notify them of their own billing problems. The po box address is hidden in " fine print '' on the statement and is not easily accessible through regular view in their website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I disputed a collection company named XXXX who was a Debt Collector for XXXX the Original Creditor Date Opened ( not available ) as a collection, NO Date provided. Balance Owed {$1200.00} reported by XXXX. 

This account was REMOVED for non production of the debt within the 30 days of dispute, because I do n't owe it. Transunion will have the credit report where the company XXXX account was removed within the 30 days. 

The DEBT WAS SOLD to another collection company named AFNI and I was NEVER notified that this collection company was now assigned this debt I do n't owe. On XX/XX/XXXX this negative debt was put on my Transunion Credit report, which has negatively affected my score by XXXX to XXXX points since XX/XX/XXXX. 

I feel that this is an illegal activity under the Debt Verification Rule within the 30 days there was no proof of the debt and be sold to another collection company. There was no written documentation sent to me. The negative debt was removed and then added back under a different name without notice.
Product: Checking or savings account

Wells Fargo bank put a hold on my account without notice. I transferred all of our funds for purchasing a house to my checking account without knowing that there is a hold on my account. Now, I'm under contract for a house without knowing when I can withdraw my funds for escrow or close my account. This situation is very very stressful for me right now and I can not do anything at the moment, even getting a cashier 's check or using XXXX. I only have 11 days to closing date of our house and Wells Fargo does not provide a clear instruction or timeline on what to do.
Product: Checking or savings account

Im Chase Bank customer and on XXXX around XXXX I deposited exactly {$1000.00} in cash ( XXXX {$20.00} bills and XXXX {$100.00} bills ) in the Chase drive thru ATM located at XXXX XXXX XXXX XXXX XXXX but the deposit didnt go through and the ATM didnt print any receipt but I took a picture from the screen and went into the branch to ask an employee what to do. The employee XXXX XXXX just told me to call the customer service showed on the screen because they have no access to open the ATM. 
I called customer service at the same day around XXXX and opened a claim, and the funds were posted on XXXX. I had several debts and doctor consultation to pay and I was behind on that bills. 
On XXXX my funds were took from my account, they called claim reversal. I called customer service and they just stated that the investigation department didnt find anything wrong on that day, I argued that they can check the cameras located at the ATM, and in the drive thru but they refused to do so and refused to provide me any additional evidence.

I went to the branch on XXXX asking for help to the manager XXXX XXXX that called customer service and told me to wait. I had to pay my credit cards and really needed my money back. 
On XXXX I went to the branch one more time asking for help and XXXX XXXX helped me to submit a picture from the ATM screen but on XXXX I got a letter from Chase stating that the transaction was processed according the information I provided and no adjustments will be made in my account. 
Im struggling to keep my daily expenses such as pay utilities bills, groceries, credit card because my account is overdrawn since XXXX. Is unacceptable Chase Bank that supposed to protect my money simply took off from me, sounds like a robbery.

Im being very detailed to make easier to Chase make all the investigation necessary and put my money back in my account. If Chase can check the footage from several cameras surrounding and the ATM camera this issue can be easily resolved.
Product: Bank account or service

Bottom line is this has been the worst brokerage and banking relationship I have ever experienced. Considering I have always attempted to try to build a solid relationship with any company I deal with, in this case, being with Scottrade, especially in the end, it was highly disruptive to my life financially. 

A day ago, this company closed my account without warning, claiming I was using my account for business purchases and that it was company policy to do so. Sure, there was much activity in my account. But who 's to say I was making these purchases for personal reasons?! And further, who the heck tells me how to spend my money?! I work XXXX hard for the money that I both earn and trade, and it carries heavy weight in my everyday life. So when Scottrade XXXX my account with an over {$60000.00} balance, it created a strong hindrance from that point on. 

Bill payments had to be delayed, and simple everyday operations had to be placed on hold. Never in my life had I receive such low disregard and terrible treatment for a loyal customer. And to further the disgust of company operations, when I wanted to speak with a supervisor about all of this, I was transferred to my local branch instead and had to deal with a middle associate. 

I would love to point out that there were n't any illegal transactions made, no negative balances occurred, or no tainted or disrespectful conversation or acknowledgment toward staff. I honestly ca n't think of anything I did to deserve this type of treatment. I only made purchases and completed needed transactions when I needed to. I only used a bank account in a way that a bank account was used for. Overall, this company should be much better than it is. And I would n't return within its ranks, even if it paid me $ XXXX to do so.
Product: Consumer Loan

I live in XXXX and was sold a vehicle by a XXXX dealership located in XXXX XXXX XXXX XXXX and XXXX, the transaction was done via the telephone, internet and mail. The vehicle was financed by Ford Credit on XXXX/XXXX/2016 in the sum of {$36000.00} at 0.00 % interest for 60 months. The issue that I have is that the vehicle I was sold is not certified to be sold in XXXX which has special emission control requirements for vehicles. Seeing that the vehicle that was sold to me is not a XXXX emission control device vehicle. The vehicle may be a XXXX XXXX XXXX emission control vehicle, but is not XXXX emission certified. Due to the reasons stated above I can not register XXXX drive, insure or license the vehicle in XXXX. This is the reason that I have refused to accept delivery of the vehicle from the selling dealer. I feel that Ford Credit should have advised me that the vehicle could not be used in the State of XXXX as should have the dealership. I feel it is a shared responsibility of the dealer as it is the leading institute to protect a consumer. I have contacted Ford Credit, the selling dealer as well as Ford Motor Company. As of this date I have not received any sort of satisfaction. I have been told by Ford Credit that I am obligated to the contract and MUST make payments. I have been told by Ford Credit they have nothing to do with how a dealer does business, Ford Motor Company has told me they do not interfere between a dealer and a customer. I have filed complaints with the XXXX Office, XXXX, with Ford Credit and Ford Motor Company plus XXXX XXXX XXXX XXXX. I also have several other concerns about the validity of the contract itself. The sales contract was drawn up on a blank XXXX Vehicle Retail Installment Contract. I am certain that this contract is missing verbiage that has to do with California residences.
Product: Mortgage

by the name of ( XXXX XXXX ). 



On XX/XX/XXXX I then called the foreclosure attorney XXXX with XXXX XXXX XXXX XXXX, she stated that after our conversation she received confirmation from her client to proceed with the foreclosure and that she made one attempt to alert me of the foreclosure still moving forward but was not able to reach me and there fore my home was auctioned off with out no other publication and after I received confirmation from both Shellpoint and the attorneys handling the foreclosure.

In addition I am attaching the foreclosure publication documents I received on XX/XX/XXXX showing XXXX XXXX as the prior mortgage servicer named as the foreclosing mortgage servicer on record but as I stated and have attached the Serving transfer letter XXXX XXXX was no longer involved with my home as of XX/XX/XXXX. I believe my home was illegally foreclosed on and that Shellpoint and its investors and Trustees did not have the proper authority to foreclose on my home.
Product: Credit reporting or other personal consumer reports

I pulled my annual credit report and noticed information that on it is incorrect and also unauthorized Inquiries * XXXX XXXX, XXXX  * CompanyXXXX 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  The only name and spelling that should appear is XXXX XXXX XXXX The only address that should appear is XXXX XXXX XXXX XXXX, Ohio XXXX