23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX ( XXXX ) XXXX XXXX XXXX, 2023 Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX To whom it XXXX concern, On Saturday XX/XX/XXXX, I was made aware by XXXX Bank, that my XXXX credit card payment due on XX/XX/XXXX, in the amount of {$2000.00} was declined by my bank. I authorized that same day with the XXXX representative to process a payment of {$2100.00}. 
Subsequently I called my bank XXXX XXXX ( XXXX bank ) to inquire about why the XX/XX/XXXX payment was declined. The XXXX representative told me that XXXX ( XXXX ) did not receive a payment request from Comenity and that no payment was declined by XXXX ( XXXX ). 
On Monday XX/XX/XXXX, I called Comenity to dispute the fraudulent Finance charge of {$36.00} and the returned check charge of {$30.00}, I was told that the system at Comenity was down experiencing issues. I called back on Tuesday XX/XX/XXXX the Comenity representative to dispute the fraudulent charges and I was transferred to a supervisor who instructed to write a dispute letter with an attached bank statement showing enough balance on the XXXX ( XXXX ) account. 
I enclosed my XXXX bank statement showing sufficient funds around XX/XX/XXXX, and an account record showing that no request of funds was denied by XXXX. 
I am requesting a refund of the fraudulent charges and a compensation for the time and aggravation that Comenity bank caused me. 

Sincerely yours,
Product: Credit card or prepaid card

On XX/XX/2021 I realized my Bluebird by American Express account balance was depleted this is the account where my paycheck is direct deposited every pay. I logged onto my online account and noticed charges were made that werent mine I immediately called customer service and disputed the charges I was sent a declaration of fraud which I did complete and send back to American Express bluebird several weeks went by without funds in my account and I heard back thatThat the charges werent unauthorized and I would not be getting any restitution however the charges were unauthorized I did not make the charges and I am out money from my work paycheck and it has caused a major life struggle
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 their 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, the dispute resolution process was unfair and deceptive, as they did not Comply with error resolution Requirements under the electric fund transfer act ( EFTA ) And regulation E. These actions have caused significant inconvenience And financial loss, And I seek appropriate redress for these inconvenient violations.
Product: Money transfer, virtual currency, or money service

When I was in XX/XX/11 XXXX online consumption met a fraud, after paid {$490.00}, the person disappeared immediately, I realized that the wrong, immediately contact citibank customer service asked to cancel the transaction, and the next day I went to the branch and confirm my appeal, this transaction pending 2 days status, but two days later the bank still completed the transfer. Few days later, the bank refund me my money, around 10 days, the bank took the money again.In my opinion, I contacted the customer service within half an hour after being cheated and repeatedly confirmed that I had done everything I could. However, the bank made me extremely disappointed. Instead of helping me, it doubled my sadness.
Product: Debt collection

XXXX writing to formally complain about the actions of XXXX XXXX XXXX in relation to a debt they have re-reported on my credit report. Over a XXXX  ago, I had this debt removed from my credit report because it was the result of identity theft. Despite this, XXXX XXXX XXXX has recently reinserted the debt without notifying me or providing any form of verification. 
I am incredibly XXXX  and XXXX  by this situation. I worked hard to fix the damage to my credit after the identity theft, and XXXX appalled that this fraudulent debt is now back on my report. This has hurt my XXXX XXXX, caused me undue emotional XXXX, and negatively affected my ability to move forward financially. I shouldnt have to keep fighting to remove something that was already resolved. 
To make matters worse, I never received any notice that this debt was going to be added back to my credit report. The law says I should have been informed, but that didnt happen. They didnt verify the debt before re-reporting it, which is a clear violation of my rights under the Fair Credit Reporting ACT!! Not only is this debt inaccurate, but their handling of it is also unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on NATIONAL CREDIT SYSTEMS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Debt was paid in full with us bank who has deleted this account from my credit report. In addition Portfolio is reporting the first date of default as of XXXX but it was back in 2008 and not it has passed a 7 year statute of limitations that account is allowed to be reported on credit report. However, Portfolio is refusing to admit that fact that they are illegally attempting to collect on the debt that has been 1st settled in full with original creditor who already deleted it from my credit report and 2nd this has passed a 7 year statute of limitations for the account allowed to be reported on my credit and 3rd it has passed a 4 year statute of limitations that collector has the right to attempt to collect a debt on the past due and expired account. Plus porfolio continues their harassing phone calls, and letters even though I sent them with cease and desist letters via certified mail, they claiming not to receive them and keep harassing calls to my home and cell # at in aunapropriate times of the day. THESE ILLEGAL COLLECTIONS AND HARAsSMENTS MUST STOP IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 would like to file a formal complaint against Experian for violating my FCRA rights and my rights to privacy. Experian has refused to do a proper investigation on the accounts in the attached dispute letter. They have either not responded to me or sent me letters stating they don't think it's me disputing my own accounts. I am asking for your assistance to help me get these accounts removed or corrected on my reports. Thank you for your timely and aggressive assistance.
Product: Debt collection

I am writing to express my deep concern regarding the debt collection attempts being made by CAINE & WEINER XXXX is distressing to me that my consumer rights are being violated by the actions of this collection agency. THIS COMPANY IS ALSO NOT REGISTERED OR LICENSED IN MY STATE OF Florida. 

As a result of the false information being reported by CAINE & WEINER XXXX, I have faced significant challenges in finding housing, obtaining a loan, and securing a credit card. These are essential services that have been denied to me due to the inaccurate information being reported on my credit report. 

I am reaching out to the CFPB in hopes of finding a resolution to this issue. I request that CAINE & WEINER COLL ceases all attempts to collect this debt and takes immediate steps to correct the inaccurate information on my credit report. My ability to access necessary services is being hindered by their actions, and I urge the CFPB to intervene on my behalf. 

I appreciate your attention to this matter and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX ( XXXX ), has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instruction.

15 USC 166B : A creditor may not treat a payment on a student loan account under an open end credit plan as late for any purpose. 


Note : This account was fully XXXX  due to my 100 % XXXX VA rating in XXXX and XXXX of 2020
Product: Debt collection

Our school closed while I was enrolled and was unable to complete my program because of the closure. I sent XXXX / Navient a completed school closure form to get the loan discharged. I did not receive a written response from the debt collector and only upon collections did they state the school did not close and the dept was not discharged. Here is the info from the Dept of Education Closed School Report : The school was closed officially XX/XX/XXXX OPEID # XXXX XXXX XXXX XXXX XXXX XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX CALIFORNIA - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX. I was notified that classes were no longer available in XXXX on XX/XX/XXXX. Once the school made the announcement, I was never sent a Teach Out notice or letter via mail or e-mail, or any correspondence. I contacted them in XXXX and they said they are working on a program but I was never contacted again. I am nine units short of my degree. If I transfer to any other program, the minimum residency requirements are generally 30 units. I owe nearly {$30000.00} for a closed program without a degree that should have been discharged.
Product: Credit reporting or other personal consumer reports

We have contacted XXXX XXXX and they confirmed that they have sold this debt. It should not be appearing twice under my account. I have reached out to them, and they instructed me to send an email to delete the account off my report. This is unlawful and against my rights. My loan number is XXXX. We are also writing to you to acknowledge this matter and ensure that the correct action is taken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX Balance Owed : {$2400.00} XXXX  XXXX Balance Owed : {$24.00} XXXX  {$360.00} Balance Owed : {$360.00} XXXX  XXXX Balance Owed : {$18.00} XXXX  XXXX Balance Owed : {$320.00} XXXX XXXX  XXXX Balance XXXX : {$3100.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX XXXX  Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Student loan

I am part of the population who has been taken advantage of by Navient and want to be supported by your suit. I had been pushed into for a fence during the economic crash in 2009 and have more debt now ( 9 years later ) than I did when I took out the initial loan. Even after paying on time for years! ). I feel like a helpless victim who had tried on numerous accounts to get help but to no avail.
Product: Credit reporting or other personal consumer reports

I am filling this complaint to CIC CREDIT for allowing fraudulent inquiry on my credit report and for not taking corrective actions on the unauthorized inquiry. As I checked my recent credit report, the unauthorized hard inquiry is still reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed two fraudulent accounts reporting on my credit report : XXXX XXXX ( {$8000.00} balance ) and XXXX XXXX ( XXXX balance ). After my XX/XX/2019 dispute, the XXXX XXXX account was blocked from my credit report. Soon afterward, XXXX XXXX changed the account number and reinserted the fraudulent account back onto my credit report. This reinserted account had all the same account details as the previously deleted fraudulent account, just a different account number. In XXXX, 2019 I disputed the reinserted account and once again Experian deleted the fraudulent account. However once again, not too soon afterwards XXXX XXXX changed the account number and reinserted the same account back to my credit report for the third time. Each of these times I was never notified by Experian that they would be reinserting a previously deleted account to my report pursuant to section 623 of FCRA. 

Moreover, I disputed a fraudulent XXXX XXXX card. XX/XX/XXXX, 2019the results came back that the card was " verified '' but all the inquiries were deleted. How is it that the XXXX XXXX card is " verified '' but the inquiries are fraudulent and deleted? That makes absolutely no sense at all and seems to be Experian being willfully noncompliant and negligent. 

I reached out to Experian 's corporate office via email and received a phone call from XXXX XXXX on XX/XX/2019 at ( XXXX ) XXXX. He left me a voicemail stating I need to submit a FTC affidavit and this information will be blocked. Attached is everything pursuant to 605B for a permanent block, please do so. If this matter is not settled I will be reaching out to the attorney generals in both our states and a civil attorney to begin legal action.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Please block/remove these files. 


XXXXXXXX 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

This account has been paid in full and the company has refused to update the information on my credit report. I have disputed this item 3 times and still no change on my report.
Product: Debt collection

Im filing a compliant because I been reaching out to the credit bureaus for contract of the Debt and Receipts and no one have reach out at all I sent a letter XX/XX/2022 and also In XXXX I have paper work but it obtains my information as of my social security number
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX - Account XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received my first statement from University XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating my Title XXXX Federal Student Loan was going to be reported delinquent. As a result, I asked Federal Loan Servicer XXXX XXXX to consolidate the Title XXXX Federal Student Loan with my other student loans.  On XX/XX/XXXX, my XXXX Title XXXX Federal Student Loan was consolidated to my other XXXX XXXX Federal Student Loans, which are frozen in Federal Unemployment Deferment, as noted in the attachment from XXXX XXXX. However, XXXX reported me as delinquent in XX/XX/XXXX. My XXXX Title XXXX Federal Student Loan is not delinquent in XX/XX/XXXX, since it was consolidated in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and XXXX as well as CBNA/Sears several times for incorrectly reporting a payment was late in XX/XX/XXXX. I have never made a late payment. I disputed it with the the two credit reporting agencies and they still are reporting that I was late in XX/XX/XXXX. The company CBNA/Sears, claims they have sent XXXX and XXXX information to remove the late payment reporting for XX/XX/XXXX but yet it remains. Not only did the company indicate they would not be reporting payments for XX/XX/XXXXas this was the time that we here in Florida were impacted by the hurricane but I have never been late and this is immensely affecting my perfect paying credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
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 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 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 actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name XXXX XXXX XXXX XXXX  Account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX  bankruptcy discharged Reference # 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 am not connected to these inquiries, nor do I have any ties to the listed creditors.
Product: Credit card or prepaid card

Synchrony Bank pre approved me for a XXXX XXXX card and set my limit at {$7600.00}. With my XXXX score at XXXX, I figured this was about right. 
Then I got a letter from : Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX They wanted additional information to verify identity. Please call our office at XXXX any time between XXXX and midnight est, 7 days a week. Thinking I was calling Florida, although Synchrony is located just down XXXX XXXX from me in XXXX, XXXX, I got a person at Synchrony 's XXXX number with a strong accent. Difficult to understand, and then I asked where he was located. He say in the XXXX. Well his XXXX and my XXXX were not a good match, and I eventually had to hang up the telephone as I did not understand " XXXX. '' 24 hours later I called in the hopes of getting a very good English speaking person, and I got " XXXX. '' Not much better, and he told me I had to go to www.verify.syf.com and only with a smartphone. Synchrony wanted me to put my identity on the internet, was it secure, I have to assume so, but many questions ... Their app at verify/syf.com could not read the barcode on the back of my drivers license, so now I have been locked out of this way for identity. 
I told XXXX that I have been doing business with Synchrony Bank through their XXXX XXXX, as I have been a Synchrony Bank XXXX Card Holder for years. He said different department, not good here. 
I tried to explain to this person that Synchrony is Synchrony and issues many different cards, and I am in the system. My explanation fell on deaf/ignorant ears. XXXX./ XXXX, XXXX XXXX Connecticut XXXX Florida XXXX come Synchrony Bank and learn customer service. This is a story for XXXX XXXX of Synchrony Bank, formerly XXXX XXXX, who I've seen many times in XXXX at XXXX. 
This is the service we get in the USA now, inexpensive labor unable to communicate with customers, but is it good for the EBITA for this bank?
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reached out to the Federal Trade commission regarding fraudulent activity on my credit report. This information must be investigated and removed immediately as it is directly effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of account in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX