23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2022 I made a payment for {$1800.00} to clear my balance. Once submitted, I immediately received an alert claiming potential fraud and to call customer support. I called support and was told they would need to call my bank to verify I am the owner of the account. The first rep called my bank and stated they couldnt verify my account because they didnt have my account information and that there was nothing that could be done. I was then transferred to a manager who said I would need to upload a bank statement showing my account number. I uploaded the bank statement and the manager stated he could not use it because it didnt show the payment for the same day. I explained that I could send transactions but a bank statement for XXXX transactions is unavailable because it is STILL XXXX. The manager said oh well and that I would need to wait til XXXX and that I would not be able to use my account. I then requested to file a complaint and the manager refused. This is beyond unacceptable
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX FRAUDULENTLY ACCOUNT THAT WAS OPEN IN MY NAME, I HAVE BEEN SPEAKING WITH XXXX XXXX FOR THE PAST YEAR NOW ABOUT XXXX FRAUD ACCOUNT THAT WAS OPEN IN MY NAME, XXXXXXXX XXXX HAS IDENTIFY THAT THE ACCOUNT WERE OPEN FRAUDULENTLY THEY HAVE TOLD ME SEVERAL TIME THAT THEY WILL BE REMOVING THE ACCOUNT FROM MY CREDIT REPORT AND THIS HAS NEVER HAPPEN, THIS IS EALLY IMPACTED MY CREDIT IN SOME MANY NEGATIVE WAYS, I HAVE REQUESTED DOCUMENTATION FROM XXXX XXXX REGARDING THE FRAUD ACCOUNTS AND THEY NEVER RESPONDED. THESE ACCOUNT ARE FRAUD AND SHOULD BE REMOVE FROM MY CREDIT PROFILE IMMEDIATELY. I HAVE DONE MY PART BY REACHING OUT TO THEM TO FIX THIS PROBLEM MANY TIME AND NOTHING HAS BEEN DONE. THE ACCOUNT INFORMATION IS LISTED BELOW. I HAVE ALSO FILE A POLICE REPORT AND SEND TO THE FRAUD TEAM AND STILL NO RESPONDED. 

XXXX XXXX Account XXXX Date open XX/XX/XXXX Status : closed due to fraud Status update ; XX/XX/XXXX Credit Limit XXXX XXXXXXXX XXXX Account : XXXX Date Open XX/XX/XXXX Status : Closed due to fraud Status update : XX/XX/XXXX Credit Limit XXXX XXXX XXXX Account XXXX Date open : XX/XX/XXXX Status : Closed Due to fraud Status update : NO STATUS Secure Credit Card limit XXXX ALL ACCOUNT ARE FRAUD AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 


I have Attach a FTC Report for your records.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and found inaccurate and false information on it, this has been a recurring issue on my credit report and hasn't been fixed since then no matter how many times I bring it up that it is so stressful and exhausting, it's badly affecting my life and my credit score unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX They ran hard inquiries on my credit. I do not know who this company is. I have also been calling them and unable to reach anyone at their company. I believe it is a fake company and would like the inquiries investigated and removed from my report.
Product: Credit card

Chase sapphire reserve travel insurance benefit issues. Filed a claim for missed travel plans due to XXXX in XX/XX/XXXX. Insurance confirmed and verified all the information. It's been XXXX weeks since they promised to process the claim, but still no response. Sent emails and placed multiple phone calls with supervisors. But to no avail. No one call me back to explain reason for delay in processing my claim. Claum is with management department. Bad faith insurance company through XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance Owed : {$3200.00} XXXX  XXXX XXXX Balance Owed : {$870.00}
Product: Credit card or prepaid card

My Brother XXXX XXXX XXXX XXXX on XX/XX/XXXX with over a dozen credit card accounts. I immediately notified his banks and closed his accounts. I became his Personal Representative and in compliance with Colorado State law I notified all known creditors of his XXXX and cancelled his accounts Without any prior notification or attempts to settle my brothers debt, Capital One filed a creditors claim Ref No. XXXX on XX/XX/XXXX for XXXX against his estate with the XXXX Colorado District Court. 

There have been fraudulent claims against my brothers estate so to prevent fraud I have contacted XXXX XXXX at Capital One at XXXX to request specific transaction information to determine what are actual charges, what are finance charges and fees and to ensure this entire claim isnt fraud. This information has not been provided. 

All of my brothers financial accounts will be settled out of probate except this one account with Capital One. Capital One has given me no specific information on the account but worse has given me no option in settling this account other than paying the entire claim for XXXX or to go through probate. 

Probate will involve requesting a court hearing, taking at least another day off of work, traveling three hours and more paperwork. 

In addition to caring for my XXXX-year-old mother I have been dealing with this estate for the last six months and have clearly done a very good job as there will be no other claims against my brothers estate requiring probate. I am very irritated that Capital One never contacted me prior to filing the creditors claim, has failed to provide any specific information against the account and is forcing me the inconvenience of going through probate to settle this one claim. Capital One refused to disclose the name, address, and phone number of XXXX XXXX regulatory agency. 

I believe XXXX XXXX actions are belligerent and strong armed at the least and are approaching extortion at the worst and would greatly appreciate your assistance in this matter. 

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

To whomever it may concern, there is currently an erroneous Inquiry reporting on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX  ). I did not give consent/ authorization for this creditor to have access to my credit profile and have not done business with this said creditor. This is inaccurate credit reporting and unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did n't give written authority
Product: Debt collection

I discovered a negative account for XXXX, for nearly XXXX in rent on my credit report as of XXXX. I contacted XXXX once I saw a negative account in my credit report. They responded that they had no lease for me for XXXX. I contacted National credit System immediately and asked to look into it., in XXXX/XXXX/XXXX. I have not had a response so far. Until this is resolved no one will rent to me and my children. I get to sleep in a car. I definitely feel a negative impact for this fraudulent account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX   XXXX  has confirmed in the last 60 days that all of my loans are issued by them.  XXXX  has been fraudelently duplicating the same Student loans on my credit report making my balances and debt owed double what it really is. I have no borrowing agreement with this company and they continue to call, and now are sending thick packets of mail with information that does not belong to me.   XXXX   has already deleted all their accounts and updated only   XXXX   XXXX   XXXX   loans. I am also very aware that this company has been investigated and apart of several lawsuits. Please look into this matter and have this issue resolved, because they continue to call and now are sending mail that I have nothing to do with. My only borrower is   XXXX   XXXX   XXXX  . Thank you!! My name is  XXXX   XXXX   XXXX , My balance with   XXXX   XXXX   XXXX   is approximately {$21000.00},  XXXX  continues to report {$40.00},  XXXX  and duplicate same information coming from   XXXX   XXXX   XXXX  .
Product: Credit reporting or other personal consumer reports

in the XXXX  the account from XXXX for {$1700.00} is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Update to XXXX # XXXX Received this letter by XXXX from XXXX XXXX on XXXX, also received a call from the representative that this may take up to 90 days for " Forbearance '' to be removed from my credit report. 

My mortgage is paid in full, including the two month " grace period '' XXXX XXXX offered. 

The XXXX XXXX # XXXX submited XX/XX/2020 I hold a home mortgage with XXXX XXXX, and they have been on autopay up until XX/XX/2020. XXXX XXXX offered deferment of payments for 3 months, due to Covid-19 hardships ( like many banks ), but did not disclose at the time it would report my mortgage as Account In Forbearance, and further, show Amount Past Due on billing statements. No other banks or lending institutions did this.
Product: Credit card or prepaid card

On XX/XX/XXXX, I attempted to purchase a new cell phone on line. The transaction was denied and my credit card was blocked. I spoke to Synchrony Bank, who issued the credit card, at least 2 times, on the XXXX and the XXXX. First, they could not tell me why they blocked the transaction, only that it " appeared fraudulent ''. Second, i had purchased two items in XX/XX/XXXX, both of which were substantially more money than the phone, and neither of those transactions were denied, nor was my account blocked. I suspect that this transaction was denied and my credit card blocked BECAUSE the transaction was for a cell phone, and not because there was anything suspicious about the transaction. I have monthly automatic payments going to this credit card, including some medical, which are now in jeopardy. Synchrony told me I had two options -- 1. To reply to a text message
where I would have to send ( over an unsecured cell phone ) a front facing video of my face, a photo of the front and back of my driver 's license, and a moving video of my face ( there were 4 steps to this text message ). OR 2. wait 7 - 10 days for a letter to be mailed to me that I could reply to. When you use step 1., you give
Synchrony automatic approval to collect biometric identifiers about yourself. This is also not acceptable to me.

I do not want a photo of myself or my driver 's license on the internet. That would seem to encourage identity theft, not discourage it.

A manager spoke to me and asked me for my email account. I gave it to her, and she said that account was listed in someone else 's name. Well, that is strange, because when I pay my credit card bill, I get emails from Synchrony to the email address that I gave the manager. The manager also told me that she could not get into my credit card account because it was blocked. Why is that? If Synchrony blocked the account, why couldn't a Synchrony manager get into the account. I asked that she transfer me to someone at a higher rank than she was, but she would not do so. She kept saying that I would have to use one of the 2 options above. I did try responding to the text message though. But my cell phone
was so old, it would not respond to the 4th step requesting the moving video of my face, etc. So I could not comply with this. I had the Synchrony manager on the phone with me when I tried to respond to the text message.

Neither of these options is acceptable to me. I pay my account in full every month and expect better service than this.
Product: Debt collection

My name is ( XXXX XXXX ), a federally protected consumer, and I am making this complaint against ( Enhanced Recovery Company ) for committing identity theft. I have never given ( Enhanced Recovery Company ) any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from ( Enhanced Recovery Company ) before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( Enhanced Recovery Company ) can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ( Enhanced Recovery Company ) can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ( Enhanced Recovery Company ) continues its collection efforts, I will file for litigation for actual damages caused and ( Enhanced Recovery Company ) will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit card or prepaid card

I have 2 credit cards that were charged off back in XXXX of 2018 IL Law states after 5 years of charge off it must be removed from credit report. Each report reflects one card and another card on other but both should be removed.
Product: Credit reporting or other personal consumer reports

id theft victim these following accounts do not belong to me XXXX XXXX XXXXXXXX XXXX. Authorized user $ Not my account XXXX XXXX {$2300.00} Authorized user not my account XXXX XXXX {$590.00} Authorized user not my account I had to call XXXX XXXXXXXX and report the user of this card. I have my own XXXX XXXXXXXX card. 


XXXX  XXXX card ending in XXXX balance is paid in full
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference is made to CFPB complaint # XXXX where I complained about Equifax repeated, ongoing non-sensical responses to disputes which fail to 1 ) advise which dispute they are responding to and 2 ) provide any helpful meaningful information to resolve the dispute. Their response to complan # XXXX was just as non-sensical and ambiguous ; Their form response was completely irrelevant and had nothing to do with the complaint raised. So, now, I'm complaining about their non-sensical response to former CFPB complaints. How many complaints will it take before governing agencies step in and do something about Equifax lack of meaningful responses which do not address which dispute they are responding to, and fail to provide a solution? Or would it just be easier to hire an attorney?
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX and I have an aacima digital fka simp lease posting on my credit report with the account # XXXX. I don't know what this is I did not go for any apartment lease or any car lease so I have no idea on this lease that was taken out in my name. My identity had been compromised on the dark web in XXXX and in XXXX someone took a lease out on me and completely destroyed my credit. This account is not mine and was removed from the other two bureaus however, XXXX continues to give me a hard time and won't have this account removed from my credit report. I will provide the FTC complaint document in the attachment below and hope the CFPB can help me with this.
Product: Credit reporting or other personal consumer reports

This company is operating fraud they violated almost 10 federal laws u open a account in my name and got money off me were the title wheres my money this is breach in contract and u force ppl to pay only cash for the bill which is illegal
Product: Credit card or prepaid card

Victoria secret credit card uses comenity bank as their lender and they are alleging I owe about 200.00 in late fees and interest. I went in to make my bill back in XXXX or XXXX of this year. I asked the front desk cashier to call the credit card company and find out my payment balance. She did and I was told it was XXXX. I made the payment successfully. I then later received a bill. The bill stated I did not make the full payment and that I was being charged. I contacted Victoria secret credit card and they informed me Victoria secret credit card and comenity bank do not run on the same systems therefore the two can not see each others information. I thought this was inaccurate because I had the cashier call to prevent an inaccurate payment being made. I was a dollar short on my payment so they charged me a whole bunch of late fees and interest. I have called numerous of times trying to settle this with comenity bank and Victoria secret and they refuse to help. They have stated the whole bill is late fees and interest charged from not paying the full payment. I had a balance of only XXXX. The bill is now almost 200.00 because this company refuses to take off those fees. I should not have to be held responsible for their inaccurate system. This bank and store do business together therefore they should make it convenient to serve customers. This is causing the bank to add unnecessary charges and cause unnecessary billing fraud. I want this taking care of as soon as possible. I want all fees and interest accrued from their mistake dismissed. Thank you.
Product: Checking or savings account

There are XXXX unauthorized transactions on my debit card. I was told to call back on Monday because the dispute department is not open on Sunday. 

Doesn't the dispute department need to be available XXXX hours?
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$260.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In my view, the absence of documentary evidence on compliance reporting standards and relevant consumer law is a cause for concern. It is of great concern to me that this omission has not been made. I'd like to ask you to rectify this erroneous and incorrect report as soon as possible. Failure to do so may lead to legal recourse due to a failure to comply with the necessary legal obligations in those areas. In order to avoid any future problems, it is important to understand the precise nature of documentation which must be addressed. In the future, a lack of accurate and complete information could lead to unnecessary difficulties. In order to mitigate any potential adverse effects, it is therefore essential that we address this issue with a sense of urgency.

I know that federally regulated reports and Metro 2 compliance standards may be affected by any discrepancies or deviations from those standards. To that end, I ask you to investigate the validity of the inaccurate entries in my report, to replace them with accurate entries or to delete them entirely. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Challenge a account ( XXXX XXXX ) on my XXXX credit bureau, after there investigation multiple times it keep coming back verified with the issue still there after I told them do delete the account for inaccuracy
Product: Credit card

I contacted the company about my amount past due. I owe a little over {$3000.00} and my amount past due is around {$500.00} because I am a few months behind. They provided only one payment plan that does not work for my financial situation. They are asking for too large of an amount of a minimum payment. They mentioned that is all they can do and they will continue charging me interest and late fees even though my account is closed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

XXXX ( XXXX XXXX XXXX ) has reported a false debt to my credit report. I received notice in the mail of an alleged debt. As my right, I then submitted a written request within the timeframe given in the letter for XXXX to validate the debt. I needed proof of the debt as this company is not familiar to me, nor its services. Instead of sending me proof of the debt, XXXX reported a bad debt to the credit bureaus in the amount of {$200.00}. 

Also, I've asked to see written documentation, instead I keep receiving incessant phone calls about paying the debt, but still no proof of debt.