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

I have been the subject of identity theft ( thwarted, thankfully ) for much of 2022. I recently applied for credit with Synchrony Bank for a SAM 'S CLUB credit card. I wasn't given immediate approval, and was told " more information was needed ''. I subsequently received a letter in the mail pointing me to a website to verify my identity. There, I took a 5 second selfie-video, and provided a picture of the front & back of my FL drivers license. Again, immediate approval was denied and was told I'd receive a decision in the mail. 7-10 days later I received that letter from Synchrony Bank denying my application for the following reason : " couldn't establish identity ''. I'm dumbfounded -- I provided an actual video of ME, along with state issued government identifcation?? 

So I responded to their letter asking them to re-open my application as I would be providing them with a multitude of acceptable identity verification documents TO REMEDY THEIR CONCERNS, which included copies of the following : passport, front/back of state issued drivers license, birth certificate, social security card, bank statement with current address, and one credit card showing my Name & Card Number. XX/XX/XXXX, I received a letter back again stating they are denying my application due to " identity concerns ''. Specifically it mentions, " During the verification process we found conflicting information. In some cases, these types of discrepancies may indicate potential fraudulent use of your personal identity information ''. 

As most people do today, I use XXXX XXXX & XXXX XXXX  to monitor my credit on a daily basis. I also am a subscriber to XXXX, XXXX, and XXXX XXXX and monitor my credit directly on their sites as well. I don't know what else I could provide to verify my identity in addition to the above mentioned documents? 

So what concerns me the most and brings me to your Bureau is " WHAT IS THE CONFLICTING INFORMATION THEY ARE SEEING THAT INDICATES POTENTIAL FRAUD USE OF MY IDENTITY '' that results in credit denial?. They refer to private databases that they utilize, which I'm not privy to and able to monitor. Normal denials of credit ( deliquency, score, debt ratio issue ) can be actually seen and understood, and subsequently fixed with appropriate course ( s ) of action. BUT I'm at a loss as to what my ACTUAL PROBLEM is, and have no idea how to fix with any type of appropriate action -- BESIDES THIS??? 

I'm concerned that If i apply for a more substantial line of credit in the future this could affect me in a more damaging and negative way as well. I'd like to address & fix the discrepancies Synchrony Bank refers to NOW before a time comes when I may need a new car/home. 

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

This complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) to request that the Consumer Financial Protection Bureau ( CFPB ) assist in the removal of fraudulent accounts appearing on my credit report. These accounts were opened as a result of identity theft and contain inaccurate and false information. The fraudulent accounts are as follows : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$6300.00} XXXX XXXX Balance : {$120.00} These accounts have resulted in fraudulent credit reporting and collections on my consumer credit report. I demand that these fraudulent items be removed immediately and that all related collection activities cease in accordance with my rights under the FCRA and FDCPA.
Product: Checking or savings account

On XX/XX/year>, I became aware of fraud withdrawals from my checking account while in the Chase Bank at XXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX, amount totaling {$51000.00}. I was there to open a new CD account. The representative called the Fraud Department to take the information and open the case. The representative said he would get back to me to do the paperwork. He called me on XX/XX/XXXX to file the paperwork, which I did on the same day. I also requested copy of security camera footage ; I was told the camera footage was fuzzy. I did file the police report on XX/XX/XXXX and gave a copy to the bank immediately when the report was available to me. After many conversations with fraud department, and following up with doing exactly what the bank requested, these insured funds were denied reimbursement. The reason given to me was that I was negligent in protecting my pin number, telling me that I gave it to someone. This is completely false. I have never given my pin number to anyone. They never provided any proof of this allegation. As a senior citizen living on a fixed income this is devastating, and I implore the Consumer Financial Protection Bureau to help reverse this unjust decision by Chase Bank.
Product: Credit reporting or other personal consumer reports

Addresses : XXXX XXXX XXXX XXXX XXXX, IL XXXX Inquiry : XXXX XXXX XXXX Accounts : XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX, {$1400.00} XXXX XXXX XXXX, {$91.00} XXXX XXXX XXXX, {$2100.00} XXXX XXXX XXXX, {$1100.00} At XXXX XXXX, {$4600.00} XXXX XXXX XXXX, {$130.00} XXXX XXXX Co, {$84.00} XXXX XXXX XXXX, {$360.00} XXXX XXXX, {$1100.00} XXXX XXXX {$2500.00XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXXClosed XXXX {$1000.00} XXXX, {$330.00} XXXX XXXX, {$770.00} XXXX XXXX {$740.00} XXXX XXXXXXXX XXXX XXXX {$1600.00} XXXXXXXX XXXX XXXX {$2200.00XXXX XXXX XXXX XXXX XXXX, {$670.00} XXXX XXXX {$350.00XXXX XXXX XXXXClosed XXXX {$190.00} XXXX XXXXXXXX XXXX XXXX XXXX {$710.00} I looked at my credit report XXXX XXXX XXXX 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 general 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: Credit reporting or other personal consumer reports

Dear CFPB, Re : Dispute of Inaccurate Information on Credit Report Account Name : XXXX XXXX ( XXXX XXXX XXXX Account Number : XXXX I am writing to dispute inaccuracies in my credit report regarding the above-referenced account. Upon review, I have identified the following discrepancies between the information provided by XXXX and XXXX. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy of information reported. 

Inaccuracies Identified High Balance XXXX reports {$12000.00}. 
XXXX reports {$0.00}. 

Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Date Reported XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Last Payment Date XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 

Term Length Experian reports 48 months. 
XXXX does not report a term length ( blank ). 


Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Inaccuracies Identified Date of Last Activity ( XXXX ) XXXX reports XX/XX/XXXX. 
XXXX reports XX/XX/XXXX. 
TransUnion reports XX/XX/XXXX Date Reported XXXX reports XX/XX/XXXX XXXX reports XX/XX/XXXX. 
TransUnion reports XX/XX/XXXX Last Payment Date XXXX reports XXXX/XXXX/XXXX. 
XXXX reports XX/XX/XXXX. 
TransUnion reports XX/XX/XXXX. 

Legal Justification These inaccuracies demonstrate non-compliance with 15 U.S. Code 1681s2, which requires the furnisher to provide only accurate and verifiable information to credit reporting agencies. The discrepancies between XXXX and XXXX make the data unverifiable and misleading.
Product: Checking or savings account

1. On XX/XX/2023, I opened a checking account at Truist Bank with a deposit of {$50.00} ( page XXXX ). 
2. On XX/XX/2023, Truist sent me a letter stating that my account ( ending XXXX ) was being closed ( page 2 ). I verified that the account was closed because the direct deposit of my salary was returned. 
3. On XX/XX/2023, Truist sent a letter to collect {$52.00} for the overdraft and closing fee ( page XXXX ). This makes no sense because my account was closed on XX/XX/2023. They have not even refunded my initial deposit of {$50.00}.
Product: Debt collection

The last call took place on Thursday XX/XX/17 but they call at least once per week. The company is listed as EOS CCA ( https : //www.eos-cca.com/ ) and their phone number is listed as XXXX. I am not sure what they are calling about as they call during the day when no one is home. I had planned on reaching out to them on Monday ( XX/XX/17 ) to find out what is going on as we should not have any debt remaining. After XXXX their number, I found out several sites that mention them as scam callers. I would just like to get this matter resolved. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I never received any correspondence from this company about any debt. They have wrongfully and fraudulently charged me with debt on my credit report. They also did this back in XXXX but the debt was removed. It states as of XX/XX/XXXX I owe XXXX XXXX XXXX sent me a phone notification as of XX/XX/XXXX. 

I looked up Hunter Warfield and they arent licensed and are unauthorized to do business according to the XXXX consumer access reports since XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

XX/XX/2024, I have two issues with Credit Karma and I have been trying to address with them and they have not provided anything. The first issue is that this is the second or third time they said that I have a guaranteed credit card and I have done this several times and I am denied the credit card and my credit score is hit for XXXX points and I am trying to rebuild my credit. Also I transferred money to credit karma on the XXXX and I still don't have it when XXXX takes it out of my account immediately and I am waiting for days to receive something is wrong with this I am not understanding how they are getting away with this.
Product: Credit reporting or other personal consumer reports

I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Product: Credit reporting or other personal consumer reports

my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). These inquiries all unauthorized and is a violation under FCRA and much be deleted my information has been stolen and used whoever stolen. My information has used it illegally to apply for credit card accounts with many financial institutions. These are all unauthorized inquiries : 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 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  these illegal inquiries are reported illegally on my check systems report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Also, my check systems report has many errors including my date of birth of XXXX XXXX, XXXX which is in accurate it must be deleted because my correct date of birth is XX/XX/XXXX, XXXX, my check system has many addresses which are all in accurate. My only correct address is XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that the following accounts be blocked and deleted from my credit report due to fraudulent activity resulting from a data breach. As a victim of this breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these accounts removed from my credit file.

The following accounts should be blocked and deleted : Accounts : XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$630.00} XXXX. XXXX Account XXXX : XXXX, Date : XX/XX/XXXX, XXXX : {$0.00} XXXX. XXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$8900.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$0.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$2000.00} XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1000.00} XXXX. XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$6000.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$1800.00} XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Date : XX/XX/XXXX, Amount : {$580.00}
Product: Mortgage

This is the second time I am complaining about this company. The first time my mortgage went into foreclosure. This began in XX/XX/XXXX. My lawyer sat on it for 2 years letting the statue of limitations run out. Then the company filed foreclosure. So my lawyer negotiated a re-fi. This first complaint # XXXX. This case was dismissed with prejudice in the courts. in XX/XX/XXXXIn XXXX XXXX XXXX, they stated I did not pay my mortgage. I sent them proof of payments. This time they have admittedly messed up my escrow account. I was told it was escalated but have received no communications in regards to that. Only communications I receive are calls for payment that they increased due to their escrow error. Every time I call or send emails I get passed around and there is never a resolution. They are damaging my credit and causing me hardship because of the higher rates they are forcing you to pay due to their admitted error.

Numerous times as with my previous issues with them I have demanded they close my escrow account due to their mismanagement of fund yet they continue to ignore me.
Product: Debt collection

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports efffective immediately. Iam attaching proof that XXXX has admitted that was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my all 3 credit reports.
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt.Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Where is my signed HIPPA form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and California Laws Dear CAP ONE AUTO, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections XXXX681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the California Consumer Credit Reporting Agencies Act ( CCCRAA ) under California Civil Code Section 1785.20.5, and identity fraud laws, specifically California Penal Code Section 530.5.

It has unequivocally come to my attention that CAP ONE AUTO has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, California state law, specifically California Civil Code Section 1785.20.5 of the CCCRAA, emphasizes the necessity of consumer consent for credit reporting. Furthermore, California Penal Code Section 530.5 underscores the severity of unauthorized access and misuse of personal information, which is classified as identity theft under California law.

I assert with unwavering certainty that I have not provided consent for CAP ONE AUTO to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that CAP ONE AUTO immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and California Civil Code Section 1785.20.5 of the CCCRAA. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, California state law, and identity theft laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that CAP ONE AUTO will promptly rectify these egregious violations, respecting my rights under federal and state laws.

Done in good faith.
Product: Checking or savings account

Synchrony has been charging me {$55.00} for months that have nothing to do with what I have ever owed. I had an HSN card which Synchrony Bank takes charge of payments. But the {$55.00} has never had anything to do with any HSN purchases ever. This amount is totally separate from what I have owed HSN. They charged this amount for a number of months when I owed HSN absolutely nothing and are still charging me the erroneous amount monthly. They take this money from my checking account and are instructed to only charge my XXXX XXXX card for HSN purchases since XXXX, XXXX. They also deducted {$30.00} in XXXX, XXXX from my checking account which is another total erroneous charge. ( I contacted XXXX Bank XXXX Department. ) I also remember seeing a deduction of over {$65.00} in the past. I cancelled my HSN card on XX/XX/XXXX, and stopped automatic payments with Synchrony Bank. This only resulted in a past due amount of {$120.00} with Synchrony Bank which is the {$62.00} that I owe HSN, PLUS the erroneous charge of {$55.00}. " {$120.00} Current Balance and {$55.00} Statement Balance. Today ( XX/XX/XXXX ) I paid Synchrony Bank the amount that I truly owe - {$62.00} in an online payment from the only place it allowed - my checking account. I was not able to pay it on my XXXX XXXX card. THESE FRADULENT CHARGES BY SYNCHRONY BANK MUST BE STOPPED IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

Please help! I noticed iquiries on my report that aren't mine. This is hurting me and my family. Please remove them from my credit report. XXXX XXXX  XX/XX/2024 Please remove the following address from my report : XXXX XXXX XXXX XXXX XXXX, NY XXXX