23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Upon my return home from the XXXX Holidays ( XX/XX/XXXX ), I had received a letter dated XX/XX/XXXX, from Synchrony Bank ( SB ) stating " Change-in-Terms Notice. '' In this letter it gave me the option to reject changes ( which I did reject once I spoke with a representative at Lowe 's ( I could not reach Sychrony Bank ). SB made a threat that if I reject their Terms, that I won't be able to charge anything unless I pay off balance in full. That is when I told them to close my account right then because I don't like threats.

I still have a balance owed -- and I told Lowe 's that rep that I will continue to pay {$200.00} until the balance is paid off, and that I should not be charged the high interest rate since I asked the to close my account. The rep stated that I would continue to be charged interest even though my account is closed. My XXXX XXXX shows that I am still being interest. Is this legal or fair to be charged interest when I asked that my account be closed? I have always paid my bill on time and I never missed a payment. Also, I don't think that it is fair to charge me a fee to mail out my Statement because I don't make payments online. 

My XX/XX/XXXX Bill I owed {$1800.00} -- which I paid {$200.00} My XX/XX/XXXX Bill I owed {$1700.00} with {$43.00} interest To pay Lowe 's off, I pay more in order to pay them off early
Product: Credit reporting or other personal consumer reports

Around last XXXX after being released from hospital I Was Victim of Identity Theft.. Accounts were Not Authorized By Me & Are Fraudulent.

I sent all three credit bureaus certified letter via United States Postal service. Enclosed in that letter was the following information : Copy of identification : Copy of correct address : Copy of utility bill : Request To update correct address : Request To delete multiple names : Request to remove fraud statement to contact None Were acknowledged ....

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

( C ) No address requirement ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
Product: Credit card

I have 3 American Express XXXX XXXX XXXX XXXX : Single account, joint account with my husband and a business account. I usually receive a free hotel night annually that I usually save for a weekend that I will use an expensive hotel. I get an email notification of my free night award however American Express has this misleading unfair deceptive abusive practice of taking the free night away if it's not used within a year. No notification email is sent, the app states nothing next to the free night with an expiration date. The free night just disappears from the app. I want a summary of all the free nights that have been awarded and taken away since I have been a card user. I'm requesting that I be compensated for the free night awards that were deceptively taken away. I SPENT THE MONEY EARNING THOSE FREE NIGHTS AND ITS AN UNFAIR ABUSIVE ACT AND PRACTICE FOR YOU TO TAKE THE FREE HOTEL REWARD AWAY.
Product: Checking or savings account

My account was closed suddenly and I was unable to access or withdraw any money and haven't been able to until The bank sends me a bank check on XX/XX/XXXX. I spoke to someone at the bank and asked if I can withdraw my money because I have bills and if I don't pay my truck payment, it will get repossessed and that will snowball into financial disaster for me and destroy my life. 
I found out yesterday that the person I spoke to last week was able to get me approval to withdraw the money but it expired because I was never notified or told it was approved. 
I called today and I spoke to 2 woman who were the most rude and unprofessional banking professionals I have ever spoken to. They basically told me " too bad '' and that they can send me to a supervisor but she will say the same thing and it will be a waste of time. I called back right after hanging up and got the worst bank employee and stone cold evil person who told me I don't have to accept it but that's it after I said I can't accept that because I will have my life destroyed if I don't have access to that money today.

I had a great experience with Wells Fargo up until I spoke to these 2 Woman. I feel I was discriminated against because I am a white male and a business owner. I will be calling the investigative news channel after this to have them investigate and look into these 2 Woman and the racial and gender discrimination at Wells Fargo. 

I need you to know I have never ever filed any complaints until recently and the only complaints I have are with Banks because they do whatever they want and get away with it and they destroy lives and don't care. Something needs to be done about this.
Product: Credit card or prepaid card

Chase uses an deceptive system of charging interest. When statements come, they have an amount due on the statement. If the amount is paid in full, by that due date, they continue to charge interest so that a person believes they have paid it off but more interest is posted when the next statement comes out. Failure to catch that would result in late fees and additional interest. A reasonable person does not expect to be charged further interest when there is an amount in huge, bold letters on the statement that says it is the amount due.
Product: Checking or savings account

A friend posted on XXXX account ( on XX/XX/year> ) that she is selling their dad 's car. I reached out via the XXXX app, and she said she needed a refundable deposit to hold the car for us to see this Sunday. She wanted to hold it only if we were serious ; otherwise, she needed to sell it as soon as possible. Since this was a family friend, we didnt push and complied. She initially asked for {$1000.00}, but I was only able to provide {$500.00}. I was told to send the money to XXXX to " XXXX XXXX XXXX, '' who she said was her cousin. He said, the money is refundable if we didnt like the car. We spoke to her via phone after all this to verify and to get more details, and that's when I found out she had no idea and was not part of this. Her account was hacked, and this was a scam. Someone was pretending to be her. I have a copy of the XXXX post and screenshots of the conversation. 

I called the bank within hours of this happening to stop the payment ( since the money was listed as pending on my account ), but according to my bank, it had already been sent ( this was within the hour all this happened ). I was told to call XXXX, but there was no live person to help, and I was redirected to call the bank. I have been circling between the bank and XXXX for assistance al day, but no one can help. XXXX has said that although its a scam, I authorized the payment, so there's nothing they can do. They keep telling me to call XXXX, but XXXX has no live help or support to stop something that just happened. There is nothing in place to protect a consumer who was scammed. The bank couldn't stop the payment, and XXXX is difficult to get a hold of. I have been defrauded of {$500.00}, and many more could be at risk as well. Why are consumers not being protected? If XXXX is going to partner with XXXX, they need to have a better communication system in place with XXXX to protect customers. If XXXX is going to make it easy for scammers, why are they in business? Banks and companies like XXXX should be held accountable for allowing fraud and scams to take place and being so paralyzed to help the victim.
Product: Mortgage

My loan has been transferred again this time from CMC funding, Inc. To Specialized Loan Servicing. I continue to have a multitude of issues with payments been applied to my account as I have indicated clearly with clear and concise instructions. I submit my payments ( before the due months in fact before the payment is due ) using SLS 's payment site directly. Not using a third party or my financial institution. Despite this and clearly indicating how my payment should be applied again using SLS 's payment site they can not seem to follow instructions and apply the payments directly to principal instead of how I have indicated. On XX/XX/2021, I submitted a payment in the amount of {$1800.00} on the SLS payment form I indicated {$1500.00} should be applied to the principal and interest payment and the remainder {$280.00} applied to the principal balance. This was not applied correctly and the entire amount was applied to the principal balance. On XX/XX/2021. I submitted a payment in the amount of {$1800.00} using the SLS payment site. I indicated on SLS 's payment former to apply {$1500.00} to the principal and interest monthly payment and the remainder of {$280.00} to the principal balance. Yet again, SLS failed to follow clear and concise instructions and applied the entire {$1800.00} to the principal balance which is not what instructed them to do. I am sick and tired of having to monitor SLS every month to ensure my payments which are made in advance and should be applied to my account as I have indicated. It has been a complete and utter nightmare dealing with CMC Funding and now Specialized Loan Servicing. If a customer indicates how payment is to be applied why they can not follow instructions and apply for the payment as indicated and correctly? Is there no one at SLS that can follow instructions? I believe SLS needs to be audited to ensure no fraudulent activities are occurring at this institution.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXSubject : Dispute of Debt and Request for Validation under USC 1692 ( c ) ** Dear Moneylion inc, I am writing to you regarding a debt that you have contacted me about. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692 ( c ), to request validation of this debt.

Please provide the following information : 1. The original creditor 's name and address.

2. The amount of the debt.

3. Copies of any documents that support your claim that I owe this debt, including the signed agreement that created the debt.

4. A detailed accounting of how the amount you claim is owed was calculated.

While this debt is under dispute and until proper validation is provided, I request that you cease all collection activities related to this debt as required by law. Additionally, please refrain from contacting me at my place of employment or by phone, and limit any further communications to written correspondence only. 

Thank you for your prompt attention to this matter. I expect to receive the requested documentation within 30 days of your receipt of this letter. 

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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, 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
Product: Checking or savings account

Since XX/XX/23 I have been attempting to withdraw funds from my Robin Hood virtual account. I have spoken with several associates who appear to be internationally based. There is a severe language barrier it seems. I have uploaded my identification and bank statements to prove my identity. However, I am constantly told that my account is under review and that someone will notify me within the next few business days. I have verified the funds transferred into my account on two separate occasions even today but they are still managing to continue the restriction on my account. When I transferred {XXXX} last year into the account there was no issue. Now that I am attempting to withdraw funds they have been unwilling to assist me with that request. 
I have asked if I could walk into an institution to prove my identity in person only to be told everything must be done virtually and that there isn't a physical location to enter. Please assist me with the transfer of funds to my account as I have been unable to speak with someone to assist me to date. I have submitted front and back of my current driver 's license as well as a bank statement but yet my account is still on hold.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2019 Amount : {$32000.00} Account Type : Charge Off This company has failed on multiple occasions in the past XXXX months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

BELOW IS THE NON-COMPLIANT ACCOUNT THAT VIOLATES FCRA REGULATIONS AND HAS NOT BEEN CERTIFIED UNDER A TESTIMONY OF FACTS. 

XXXX ACCOUNT # XXXX
Product: Credit reporting or other personal consumer reports

I am contesting the information on my credit report that I believe is not correct. I need evidence that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. This of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX Santander # XXXX XXXX Federal # XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Payday loan

94 % interest rate since XXXX I have paid {$4400.00} in interest on a {$6500.00} loan with a large origination fee with a payoff amount of {$6900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$17000.00}, {$7500.00}, {$13000.00}, {$960.00}, {$19000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

-- CLOSED ACCOUNTS -- 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$960.00} -This is not my account. 

-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.
Product: Vehicle loan or lease

In XX/XX/XXXX there was a late payment reported to the credit bureau by ALLY Financial. They reported that the loan was past 30 days late yet I had not received a phone call to notify me that the loan was late. The mobile app is the only way I am able to review my account and make payments. Upon reviewing my account through the app on XX/XX/XXXX it stated the regular payment of {$290.00} was due on XX/XX/XXXX for our first auto loan account as well as {$590.00} due on XX/XX/XXXX on the other auto loan account. The payments for both accounts were made on XX/XX/XXXX ( we have a 10 day grace period for all payments ). After seeing this reported on my credit report I called Ally to correct this problem as I made the payment on time according to the mobile app. They stated they were unsure why the app listed a payment date in XXXX since the payment was actually due in XXXX yet the amount due was only that of a regular payment and did not say there was a past due amount as it should if the payment has lapsed. The same statement appeared on the account in XXXX, telling me the payments were not due until XX/XX/XXXX. Those payments were still made on time. I have screenshots of the app and the incorrect payment due date and have offered to email them to Ally so they can correct this. The representative had stated they can not accept a screenshot of the app. A call was made in XXXX to report this issue and a report was filed with their credit department. I was told they would call me within 30-45 days to update on the issue. I never received a call. I called again in XXXX since the time had lapsed for the report to be reviewed and again they said they would file a report with " high urgency '' and I would be contacted after the case was reviewed again. Still I did not receive a call. My husband XXXX XXXX who is also on the account called on XX/XX/XXXX to see if he could speak with someone regarding the issue. They stated they never received a call from myself and they were unable to locate the 2 previous reports. He requested to file an additional report with " high urgency '' and that has been processed. We have not heard back from any representative yet.
Product: Debt collection

THIS COMPANY IS TRYING TO SETTLE THIS DEBT WITH ME AND ITS NOT MY DEBT. SO IM ASKING FOR PROOF OF CLAIM. I WANT TO SEE MY NAME SIGNED ON A CONTACT. IF THIS COMPANY CANT SHOW IT HAS TO BE REMOVED.
Product: Credit reporting or other personal consumer reports

XXXX did not fully investigate an amount showing negatively on my credit report. XXXX account on my credit report when from off my account to back on. Failed to remove an address in XXXX that I never lived at along with another account from XXXX XXXX thats not mine and keep being reported late, causing negative impact on my scores. XXXX is violating my fair credit act right according to 15 U.S. Code 1681i. Theres been a data breach with XXXX and XXXX and all negative items must be removed from my account.
Product: Credit reporting or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privace and confidentiality under 15 USC 1681. 

XXXX Account # XXXX has violated my rights. 

15USC 1681 section 602 A. States I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information of any adverse item/s of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 inacurate.