23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BV XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance : {$380.00}, XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$4300.00}, Medical XXXX Balance : {$0.00}, XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$770.00}, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Financial 's credit cards ' online account management system has a major flaw that can result in consumer confusion leading to mispayment of amounts due. 

Synchrony uses the same underlying online account management system across multiple products. As a customer for multiple Synchrony products, I discovered that the system does not correctly handle a customer closing an online account management session for one product and initiating a subsequent session for another product. 

Example : A user logs into their XXXX 's XXXX XXXX account, then closes the XXXX 's web browser window and opens a new browser window for their XXXX account and logs in. Even though the branding and account information will appear correct for XXXX, Synchrony 's system will still display the statement balance information for the XXXX 's XXXX account. 

Obviously, displaying the incorrect balance information to the customer raises the likelihood that the customer will pay an incorrect amount, leading to either underpayment with associated interest charges, etc., or otherwise overpaying. 

I reported this problem directly to Synchrony on XX/XX/XXXX and was assured they took the problem seriously and would address it as soon as possible. As of XX/XX/XXXX, I can confirm that this flaw still exists. I believe this is an unacceptable problem to leave unfixed as it exposes unwitting consumers to substantial financial consequences.
Product: Credit card

I was at work and a lady called and said she was a tracker and I was going to be served papers at my job .I asked her what was it about she told me.she could not tell me I had to call the number she gave me.them when I called I asked the lady was this tracker person a police. She said yeah she just like the police.we hired her to serve you papers and find u.but I had a credit card with XXXX and they sold my account to a credit card agency.The lady from the collection agency told me if I did n't pay the debt she was going to have me served and possible legal Action.but once I gave her my bank card number she pretty much told me I had no choice to pay this and if I did n't it would be serve actions behind it.the funny thing about this is I called XXXX and I have XXXXdifferent cards with them and I was told if I want to pay them off I could call them and once I pay them off I could reopen the card.I also asked this women where she got my information she said they had to hire tracker. But if they sold my debt.u did n't have to find me.she then transferred me a man who then said if u do n't make the payments I do n't know what will happen after this.but if ur the one serving me you do know what will happen.now she is calling me from a private number so I ca n't call her back.I ca n't find the company website so I did n't leave the money in the bank.I have not even received a letter from the collection agency in the mail offering a settlement offer.
Product: Consumer Loan

Contact a car title company then received calls from Wilshire Consumer Credit unknowing they were a cold call marketing scam company where they indicated 9.5 % then came to deliver contract in the evening received documents showing an undisclosed percentage with check of {$2500.00} then they after received XXXX payments they stated I signed and initialed for 95 % annual interest rate and my payoff is more then borrowed unless I pay off after 24 months. After I contacted them they said other fees applied like daily interest rate along with payoff fees, administration fees, and only {$33.00} dollars go towards loan but the daily interests is charged XXXX. I need to see what I can do to fix this problem to get my vehicle cleared
Product: Credit reporting or other personal consumer reports

Equifax is submitting several months old reports containing severely incorrect information when requested by creditors to evaluate my creditworthiness. The most recent was a request to XXXX XXXX to increase my credit limit. 

I was denied an increase in credit from XXXX  XXXX on the Basis of an old report that also contains incorrect information, including alleged delinquencies, on XXXX XXXX XXXX student loans that have long been fully paid with XXXX months of payments ALWAYS PAID ON TIME. 

In fact, Equifaxs OWN records reflect that I was never delinquent! So why does their credit report reflect delinquencies? 

This has lowered my Equifax FICO SCORE TO XXXX, when my credit score is actually XXXX. 

Equifax has not responded to multiple attempts at phone calls and electronic communication, and they have resolved the dispute years ago only to have the delinquencies appear on the reports sent to creditors but are NOT reflected in their own actual record of my credit. 

This is some internal error and their staff members do not know how to fix it. 

Provided in evidence is EQUIFAXs OWN DOCUMENTATION THAT I NEVER HAD A LATE PAYMENT in 99-300 months of all loans.

I have also provided evidence from other credit bureaus and the lender to confirm I was NEVER DELINQUENT on any account EVER.

I am therefore asking CFPB to 1. Compel Equifax to remove ALL RECORD OF XXXX DELINQUENCY, including XXXX XXXX XXXX OF WHICH WERE PAID AS AGREED AND PAID OFF 2. These are Department of Education Loans that were fully paid off and it must reflect in all outgoing reports to requesting agencies ( credit cards, banks, mortgage ) NO HISTORY OF DELINQUENCY 3. An updated and correct soft pull of my credit from XXXX XXXX XX/XX/year> should be corrected and resubmitted to XXXX  XXXX for their consideration and a written confirmation that an incorrect report from XXXX was sent instead of XX/XX/year> AND it contained incorrect information 4. XXXX update of my XXXX score to reflect my perfect credit history
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 {$5700.00}. 
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/XXXXXX/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. 

-- CLOSED ACCOUNT 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX XXXX, XXXX with a balance of {$5700.00} -This is not my account.
Product: Prepaid card

I filed a dispute back in XXXX XXXX for a total amount of XXXX in addition to filing the claim I submitted all supporting documentation to show proof and reason being for my claim including the atm withdrawal. Unfortunately Chime bank denied my claim request
Product: Credit reporting or other personal consumer reports

I been a victim of identity theft here are the XXXX accounts that need to be removed. 

XXXX {$1500.00} date opened XXXX XXXXXXXX XXXX  {$3300.00} date opened XXXX
Product: Credit reporting or other personal consumer reports

ATIVE I was working out at XXXX  XXXX XX/XX/year> my purse and phone was stolen from the locker containing my identification, credit cards, social security card of myself and both of my sons, my car keys, and {$48.00} in cash. At the time I made a police report with XXXX XXXX report XXXX XXXX. Since then I have received notification of change of address that I did not make and the following accounts are fraudulently opened accounts. XXXX {$4700.00} act # XXXX, XXXX {$3200.00} act # XXXX, XXXX {$4200.00} act # XXXX, XXXX  XXXX {$3700.00} act # XXXX, XXXX  XXXX {$1000.00} act # XXXX, XXXX $ XXXX, XXXX XXXX XXXX XXXX {$1400.00} act # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$96.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$690.00} XXXX # XXXX, XXXX XXXX & XXXX XXXX XXXX XXXX {$3100.00} act # XXXX. Banks opened fraud are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Debt collection

on XXXX XXXX XXXX I received a call from a " XXXX '' at Recovery Solutions XXXX. He said I owed a debt to XXXX from 2 years ago. I told him I did not and I disputed it with them. 
He said " No problem, I will start the process to lien your home and property '' I asked if he were an attorney, he said " I handle all legal issues here ''. I said I wanted to talk to his supervisor, he said " I am who you talk to, no one else ''. I hung up he called back very nasty, I called XXXX, they apologized for him
Product: Checking or savings account

I am writing to express my extreme dissatisfaction with Bank of America 's handling of repeated unauthorized charges to my account [ Account Number ]. Despite canceling recurring payments with XXXX XXXX, XXXX, and XXXX over a year ago through both Bank of America and the companies themselves, these charges have persisted. This has resulted in a total loss of approximately {$720.00} over XXXX years, exceeding the original agreed-upon amounts. 

In XX/XX/year>, I contacted Bank of America to address this issue and cancel the recurring payments. While I received confirmation of cancellation, the charges continued. Upon contacting the bank again, I was assured a supervisor would call me back within XXXX hours to resolve the issue, which never happened. Instead, I received a partial refund for only XXXX months of service for XXXX out of the XXXX companies. 

This lack of action and accountability is unacceptable. Bank of America 's failure to prevent these unauthorized charges constitutes a breach of contract and demonstrates a blatant disregard for my financial well-being. Not only has this caused me financial harm, but it has also resulted in significant stress and inconvenience. 

I demand the following immediate actions : Full Refund : A complete refund of the entire {$720.00} in unauthorized charges, including any associated fees or overcharges. 
Compensation : {$10000.00} in compensation for the financial harm, emotional distress, inconvenience, and potential damage to my credit caused by Bank of America 's negligence and failure to protect my account. 
Formal Apology : A written apology from Bank of America acknowledging their error and outlining steps taken to prevent similar occurrences in the future. 
I am prepared to escalate this matter further, including legal action and public exposure, if my demands are not met within a reasonable timeframe. Bank of America 's failure to act decisively will only solidify my belief that they are not committed to protecting their customers ' interests. 

I trust that Bank of America will take this complaint seriously and prioritize a swift and satisfactory resolution.
Product: Prepaid card

My card and funds was stolen and I filed a dispute with XXXX XXXX XX/XX/year>. I was told I had to write a letter to be granted a provisional credit while an investigation is conducted. I'm writing this complaint before I submit letter so this claim could be governed for constructive fraud. I dont feel my claim will be investigated in a due process manner.
Product: Debt collection

All day every day at least 4 to 6 times. 
We pick up when phone rings and they hang up. It's annoying. We have blocked numbers how many times, and new numbers call
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX Balance : {$12000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not inaccurate. This is ground for removal they also violated my rights under 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.

Also the credit bureaus took more than 30 days to complete my investigation
Product: Credit reporting or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. 

I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. 

I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 


FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Unfair Practice and Garnishment of Wages Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. for unfair practices related to a disputed account that has resulted in the garnishment of my wages. 

I recently discovered that LVNV FUNDING LLC, in conjunction with XXXX XXXX XXXX  XXXX, has initiated garnishment proceedings against my wages for an alleged debt that does not belong to me. The account in question, with the account number XXXX, was opened on XX/XX/XXXX, without my knowledge or consent. 

Despite my repeated attempts to dispute the validity of this debt in the past, LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. have continued to pursue collection efforts and have now resorted to garnishing my wages. It is worth noting that the reported amount of the debt is {$1000.00}, yet the garnishment sum taken from my paycheck is {$1000.00}, which further adds to the unfairness of this situation. 

I believe that LVNV FUNDING LLC and XXXX XXXX XXXX  XXXX. have violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other relevant consumer protection laws by engaging in these unfair and deceptive practices. Specifically, their actions constitute : Failure to provide adequate verification of the debt despite previous disputes. 
Garnishing wages for a debt that has not been verified or proven to be valid. 
Falsely reporting the debt amount, leading to an incorrect garnishment sum. 

I am seeking your assistance in resolving this matter and ensuring that my rights are protected. I request that LVNV FUNDING LLC and XXXX XXXX XXXX  XXXX. cease all collection activities immediately and release the garnishment on my wages until the validity of the debt is properly verified. 

Furthermore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against LVNV FUNDING LLC and XXXX XXXX XXXX XXXX. for their unfair and unlawful practicesXXXX XXXX XXXX Enclosed with this letter are copies of relevant documents, including previous dispute communications and evidence of the garnishment proceedings. I have recorded conversations with the agencies where inaccurate information was claimed to have been provided, and I am willing to provide the audio recordings if necessary. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

I was reviewing my credit report and noticed inquiries that were not authorized by me.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXXXXXX Balance : {$270.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/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 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: Vehicle loan or lease

XX/XX/year> I got into a car accident. In resulted in a total loss. I was able to file a claim with my insurance and attempted to file with my XXXX insurance as well. XXXX insurance said they needed proof of a total loss before helping. At the time of the accident I had both. The same day, ( XXXX ) I made an insurance claim with no problems. I later checked the status of my claim on a different day and was told my insurance was inactive. I made the claim with no problem before. The loan company knew of this and we were waiting for a response from XXXX on the spot. 
My car was completely damaged and not drivable at all. I was struggling to make ends meet to paying off this car. I do not think the repossession of the vehicle is accurate but definitely struggled to make payments on the vehicle after the accident. Emails and phone calls were attempted with the company, but the customer service was terrible. I felt like I wasnt being helped enough as a college student during COVID
Product: Debt collection

XXXX XXXX XXXX Is giving radius XXXX XXXX my business info ( XXXX XXXX XXXX ) for debt collection when I owe no debt to either party involved. I attempted to purchase devices from XXXX XXXX XXXX and never received them. Radius is now collecting on fraudulent circumstances