23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

COMPLAINT RE : SYNCHRONY BANK This is a complaint against Synchrony Internet Bank for holding onto account funds for an excessive amount of time ( two weeks ) in a high-yield saving account after request to close the account. 

On XX/XX/XXXX, I opened an account with Synchrony Bank and deposited {$270000.00} ( XXXX XXXX XXXX  XXXX XXXX dollars ). 

On XX/XX/XXXX, I attempted to close the account through Synchrony 's website and re-wire ( via ACH ) to my originating bank. This option was not available. 

On XX/XX/XXXX, I called Synchrony Bank 's customer service representative and was told I was not allowed to wire more than {$100000.00} and must wait a week before wiring another {$100000.00}. The representative agreed to overnight a check to me. 

After six phone calls and excuses made about an " internal bank mistake, '' the funds were finally wired to my account on XX/XX/XXXX, two weeks after my request.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX has violated my rights. 

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 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 other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A 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 information is inaccurate.
Product: Mortgage

My mortgage loan was transferred from Capital One to XXXX. We paid XXXX the XX/XX/2018 payment. Apparently the transfer didn't happen until XX/XX/XXXX Capital one reported this as late I have filed a complaint and sent all information to Capital one and XXXX I have proof of payments
Product: Debt collection

XX/XX/2021 XXXX XXXX Discover Bank To Whom It May Concern : Pursuant to my rights under the Fair Debt Collections Practices Act ( FDCPA ) and other state and federal debt collection laws such as 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

, I hereby request that you cease and desist ALL communication with me, as well as my family and friends, in relation to any and all alleged debts that you claim I owe.

You are notified that if you do not comply with this request, I will immediately file complaints with appropriate state and federal regulatory bodies, including but not limited to, attorneys general, the Federal Trade Commission, and the Consumer Financial Protection Bureau. Civil and criminal claims will be pursued.

Sincerely, XXXX XXXX
Product: Credit card

I was trying to buy tickets for an event in XX/XX/year>. 
During my online search for tickets, I mistakenly ended up on XXXX. 
The website 's layout and presentation made it seem like they were the official ticket seller for the venue. 

I purchased tickets through XXXX, but unfortunately, they were not valid for entry to the event at XXXX XXXX XXXX, XXXX, Colorado. 

Unfortunately, the tickets I purchased through XXXX were unusable for entry to the event. This appears to be a recurring issue, as hundreds of similar complaints exist on the XXXX XXXX XXXX XXXX XXXX  ) regarding XXXX 's deceptive practices. 

I contacted my bank, USAA, to dispute the charge. I provided detailed documentation ( screenshots, emails, etc. ) highlighting XXXX 's misleading tactics and the unusable tickets. 

Disappointingly, USAA mishandled my dispute. According to a USAA representative, they received my documents but failed to review them. They repeatedly requested the same documentation I had already submitted and provided a general customer service number with no extension when I attempted to reach the representative who handled my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX EQUIFAX ARE REPORTING INACCURATE INFOMATION SUCH AS STUDENT LOANS CARS AND LOANS. I FILE A POLICE REPORT ALSO ATTORNEY GENERAL OF TEXAS. THE CREDIT BUAREU STILL SENDING FALSE INFORMATION.
Product: Credit card or prepaid card

At time of contract I provided my credit card information to XXXX - Today. The work was not XXXX like, had severe deficits, such as extemen lippage and poor grouting. With out my knowledge the merchant submitted my bill for payment to Elan Financial Services. I contacted Elan, DBA : Fidelity Credit Card Services, and explained that the wor of tile installation was unsatisfactory and the signature and data contained on a Walkthrough Inspection was not mine. 
I was asked to provide competent evidence that the work was sub-standard and an extimate to correct the deficiencies. 
Indivudual tile inspectors are oin short scupply and the demand for inspections by subject matter experts is high. Factoring in the nation general labor shortage, it took over two + months to secure an assessment if defects by a board certified tile inspector and a competent contractor 's estimate to correct the defective installation. 
But although I was fully in compliance with the Fair Credit Billing Act ( FCBA ), my claim to deny payment to the merchant was denied. It was alleged that Elan Protocols on timeliness trump FCBA. As by Elan 's timeliness standards I was late and nothing could be done to approve my dispute
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXon XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX, XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I 1st called to close the Total card on XX/XX/XXXX due to annual fee of XXXX and mthly service fee of XXXX. I received an email in XXXX that I owed money so I called them and they said the account was closed. I called again XX/XX/XXXX spoke with supervisor XXXX about account not being closed and he promised me that it would be taken care of. The most recent call I spoke with XXXX a Supervisor who said this would be resolved by Friday XX/XX/XXXX. I got an email today saying that I owe Total XXXX in late fees and interest fees. This is ridiculous I dont understand why this company wont just close my account. Its been 4 months since I closed the account back in XXXX, plus late payments are being reported to the credit bureau.
Product: Money transfer, virtual currency, or money service

l.am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 proce 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 card or prepaid card

This is my second time submitting this claim as the first time, PayPay 's representative ( XXXX XXXX - extension XXXX ) lied and said it was resolved. I wasn't able to reach them for days. I called again today, and then checked my claim status, which read closed. PayPal 's website is not functioning at the moment. I have tried to file a tech complaint a dozen times, and their website consistently reads error or " bad request '' without explanation. I've not been able to link my bank account to their website for now THREE MONTHS now and they do NOT provide live customer service. It's a chat or automatic answering machine and they are not helpful. I have accrued two late fees but nobody at that company is able to help. Their XXXX, XXXX, and XXXX accounts are FLOODED with customer complaints or scams and technical issues. This is affecting my credit and potentially score because they can't provide a dependable website.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me! I am a victim of identity theft. For one the address on this account does not belong to me. You guys address for the account is XXXX XXXX XXXX XXXX XXXX XXXX, my address is XXXX XXXX XXXX XXXX XXXX XXXX. And at my home Im residing in I actually have an account with XXXX XXXX. The account number on my account with XXXX XXXX is # XXXX the account you guys have does not belong to me. I need it deleted because its hindering my home buying process! No one called me to acknowledge this account. Or to settle something because of they would have I could of just sent this the FTC report
Product: Debt collection

On XX/XX/2022 I disputed a debt unknown to me through XXXX XXXX from Portfolio Recovery. The account was not immediately marked disputed, nor have I received paperwork regarding the outcome of that dispute within the 30 days they have to send me one. I then received legal paperwork taking me to court on the XXXX of XXXX. I contacted portfolio recovery via the number given on the legal paperwork stating I had never received any information regarding this debt and requested all information be mailed to me. Again the account was not marked disputed, I did not receive said paperwork. Contacted them again on XX/XX/2022, was informed the account in fact had not been marked disputed but could be today, as well as my paperwork had just been mailed out that same day employee was unable to answer any of my questions. Contacted company again a week later as no paperwork had gotten to me, was informed it was sent, then the employee back tracked on what she had told me saying it shows I never requested any paperwork. After looking into all credit reports the dates they opened this account dont even match on most of them it shows multiple dates. This company has violated a few different FDCPA rules, and still has yet to get me any further information regarding this account.
Product: Debt collection

Portfolio is in direct violation of 15 USC 1692 ( d ) ( 4 ) : The advertisement for sale of any debt to coerce payment of the debt.

According to the FDCA, this is a direct violation of my rights and I am entitled to collect damages, minimum {$1000.00} for every violation that PRA has committed against me. 
XXXX XXXX  has equally violated my rights specifically as it relates to the aforementioned law code. 
I request that the alleged PRA account ending in XXXX is immediately removed from my credit report. Should a PRA representative choose to deny this request, you hereby understand and agree that PRA is liable for the damages that have occurred due to any and all violations committed by PRA which shall be restored with monetary relief.
Product: Student loan

I have been paying on loan since XX/XX/XXXX and principal has not decreased by much, numbers do n't add up. Private XXXX loan acquired by AES XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My data was " potentially '' stolen as part of the recent Equifax security breach. 

I 'm also appalled that they try to trick you into signing up for " Identity Protection '', and waiving your legal rights to sue the ever-living XXXX out of them. 

If you use their website to check if your data was stolen, DO NOT SIGN UP FOR ANY SERVICES.
Request a 90 day fraud alert from any of the big three reporting companies, and do nothing else, unless you want to freeze your credit.
Product: Credit reporting or other personal consumer reports

Transunion continuues to report incorrect information on my credit report. I am a victim of ID theft. XXXX XXXX XXXX XXXX was reported with a XXXX XXXX. I reported XXXX Bank to the IRS for fraud and was issued a 1099C. The {$600.00} debt is discharged and the balance is {$0.00}. However, Transunion has changed the ACCT NUMBER and is still reporting a XXXX XXXX XXXX XXXX XXXX. THIS IS BLATANT FRAUD. XXXX XXXX XXXX is supposed to be BLOCKED for ID FRAUD/THEFT. See FTC REPORT. XXXX XXXX XXXX XXXX  was reported for FRAUD TO IRS and issued a 1099C. All of the above referenced accounts are the be removed and blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following items are a direct violation of my consumer rights. 

Open XXXX XXXX  Account # XXXX XXXX5 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX, XXXX  Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS.. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX Account # XXXX 15 U.S.C 1681 Section 602A states I have the right to privacy.

15 U.S.C 1681 604a Section2 : It also states a consumer reporting agency CAN NOT furnish an account WITHOUT MY WRITTEN INSTRUCTIONS..
Product: Checking or savings account

In XX/XX/XXXX I received an email from Bank of America that a checking account under my name was opened. It also said the email address was changed after it was opened. After several attempts on being on the phone I was able to speak to their fraud department and they closed the account. They said this will not happen again since its flagged on my account and the next time one tries to be opened up they will need photo ID. I went I XXXX and placed a fraud alert and a freeze. I also went to all three credit reporting agencies and placed a freeze as well. I thought all had been taken care of but today ( XX/XX/XXXX ) I get an email saying a checking account was opened up at Bank of America. I called the fraud department and said there is another account opened in my name that I did not open and explained that I was told this would not happen for a second time. However it has and it needs to be closed for fraud. I am tired of this happening to me and they dont care and said there is nothing they can do to fix it that I just need to call in each time it happens. I checked my XXXX report today XX/XX/XXXX and it never did show where Bank of America is using them for verification. So why are they not using them for verification and also why do they allow checking accounts to be opened online without ID. I want this to stop and would like your help with this. Thank you in advance
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified these.Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Commonwealth Financial Systems , Inc. of XXXX XXXX, PA had sent me a collections and verifications notice as to an unidentified debt for a physicians service of which is unidentified and unknown to me. 

I have responded to the 30 day letter disputing the matter however upon checking my credit reports they have posted negative marks against me as to collections. The date of their notice is XXXX XXXX, 2016 and the derogatory credit posting is XXXX XXXX, 2016 almost 30 prior to contacting me. This is in full violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) since I have disputed the claim and requested validation. This agency has violated sub section as to reporting inaccurate information as to credit reporting agencies even prior to contact me as to the validity of the information.
Product: Credit card or prepaid card

Comenity Bank approved me for clothing store cards. Was making payments without problem but then feel on a hardship. They call me every day even on Sundays. This morning they called me 3 times from XXXX. They will call from several numbers and a no called ID number. Yesterday XX/XX/23 they called eights times. I feel that is excessive.
Product: Credit reporting or other personal consumer reports

Experian is still up to the same old tricks and scams. My XXXX XXXX credit card account is showing that it has a balance and is over the limit. But it doesn't. The account is paid in full and has no balance. It is actually less the XXXX, because it has a small credit balance in my favor. Despite providing Experian a letter from the furnisher verifying this fact, Experian completed and closed the investigation by " verifying '' that the outdated and inaccurate information was true and correct when it is false and inaccurate. Maintaining accurate credit reporting is critical to scoring and relationships, so I find it deplorable that despite this, Experian, upon " verifying '' and closing my investigation, proceeded to immediately send me an " alert '' that my report, as of today, is reporting my credit limit exceeded for this account! I received similar alerts from my credit monitoring. What good are these alerts and monitoring tools if Experian isn't effective at correcting irregularities. Separately, I spoke with the bank ( furnisher ) and based on their policies, they refer back to the credit bureau. " There is nothing else we can do beyond providing you an account status letter. We update monthly and anything in connection with reporting must be directed to the credit bureau. You may be able to file a dispute. '' In sum, my credit report is falsely reporting an account balance and I am getting the proverbial run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Auto Finance incorrectly and without notice charged off a total loss deficiency balance from an auto accident i hadf and that i was making payments on. I fully intend to pay this off and have another loan with them that is current. 

There were no notices given that this would charge off and it has destroyed my credit rating and caused other creditors to lower or eliminate credit lines which is causing extreme distress during this pandemic. This occurred in XX/XX/2020 and i Capital One has said they reported correctly but there were no terms established defining the payoff of this deficiency balance.
Product: Credit reporting or other personal consumer reports

RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX RE : Bankruptcy File Number XXXX After reviewing my credit report I noticed that there is a U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

The original creditor in this case would be the U.S. Bankruptcy Courts.

The bankruptcy courts mailed me a letter stating that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. XXXX has provided documentation that it could not validate this public record information. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. 

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. You, XXXX, ARE BREAKING THE LAW AND ARE COMMITING FRAUD AS YOU NEVER validated or verified these public record entries on my credit report which is a violation of violation of 15 USC 1681a ( e ).

An investigative consumer report is when any portion of which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

You are also violating 15 USC 1681b ( a ) ( 2 ) considering you do NOT have my consent to furnish any information.

Per 15 USC 1681c ( a ) Bankruptcy information is Excluded from the consumer 's report.