23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, i noticed these unauthorized inquires on my credit report and have suitable reason to believe that i may be a victim of identity theft. Please Correct this, In accordance with FCRA 15 U.S.C 1681 Section 604 A section 2 states that i have a right to privacy. 15 U.S.C 1681 Section 604 a Section 2 : also states a consumer reporting agency can not furnish an account with my written instruction. Please handle with haste these inquires that were not authorized by myself : 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 card

THIS IS THE XXXX  FILING OF THIS COMPLAINT BECAUSE THE CFPB CLOSED MY XXXX DISPUTE WITH NO RESOLUTION EFFECTIVELY ENABLING PREDATORY SYNCHRONY BANK TO COMMIT FRAUD AGAINST ME. THE CFPB ABSOLUTELY DESERVES TO BE ABOLISHED. 

ORIGINAL COMPLAINT, STILL UNRESOLVED : I was initially approved for a SYNCHRONY BANK Care Credit account with a {$1200.00} line of credit available. During a medical emergency I used the entire balance, which I immediately brought down to around {$700.00} with my XXXX  payment. After this payment, Care Credit informed me they were now lowering my credit limit TO my balance, effectively destroying my CCU ratio and credit score. For the last XXXX months I have diligently paid more than the minimum amount due each month, only to once again today be told my limit was again being lowered to my current balance, now {$360.00}. I just made a substantially large payment and again, Care Credit has responded with fraudulent and intentional unwarranted retaliation in the form of completely ruining my credit score. I will not be making ANY further payments to this account and will let it default completely if predatory SYNCHRONY BANK doesn't stop this absolutely sick game for no warranted or justified reason.
Product: Debt collection

To Whom It May Concern : I Consumer XXXX am writing this letter in an effort to remove inaccurate information that has been falsely placed upon my credit report. The following information placed on my file has seriously burdened my consumer credit worthiness, credit standing, credit capacity, character, general reputation and personal characteristic. Pursuant to the Fair Credit Reporting Act,15 U. S. C. 1681 ( b ) it is imperative that credit bureaus maintain and report accurate information. 

The above account was classified as a discharge, therefore CONNS APPLIANCES, INC was compensated for the alleged loss through tax credits. Thus, this information should be removed IMMEDIATELY. In addition, CONNS APPLIANCES, INC has violated the FDCPA by sending incomplete debt collection validation information. 


Alleged Creditor : CONNS APPLIANCES, INC Alleged Account Number : XXXX Alleged Debt : {$2900.00} Alleged Date Opened : XX/XX/XXXX Alleged Date Closed : XX/XX/XXXX Alleged Third Party Creditor : N/A Violations : The above account does NOT follow the FDCPA 12 CFR 1006.34 ( c ) ( 1 ), FDCPA 12 CFR 1006.34 ( c ) ( 2 ) ( i ) - ( v ) :34 ( c ) ( 2 ) ( ix ), FDCPA 12 CFR 1006.34 ( c ) ( 3 ), FDCPA 12 CFR 1006.34 ( c ) ( 4 ) and is in violation. 

By the provisions of the Fair Credit Reporting Act, I demand that this item be investigated and removed from my credit report. In addition, please send an updated/revised credit report to me after these accounts have been deleted. Your prompt attention to this matter is greatly appreciated. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I have been receiving phone calls who are trying to harass me over the phone. They have been asking me that I have to pay some amount to someone in Montana. I thought it was a wrong number but I have received a letter today asking me to pay {$74.00} to Creditor : XXXX XXXX XXXX - XXXX MT. 
I really dont understand who they are and why are they harassing me. This is ridiculous and Im tired of their constant nagging. Please help!
Product: Checking or savings account

On XX/XX/XXXX, I deposited my pay check in the amount of XXXX in my Truist checking account ending in XXXX. Lying in wait on XX/XX/XXXX, Truist records indicated that the company fraudulent and without legal authorization withdrew {$490.00} from my account without my knowledge or consent. On my account, Truist recorded the following information posted on XX/XX/XXXX. 
Transaction Details - {$490.00} Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Transaction Type Debit Reference Number XXXX Receipt Attached : NO My checking account activity documented by Truist also reveals the Bank 's fraudulent practices when handling consumer banking. Truist posted the data below on my checking account without any prior notice to me, the consumer/banking customer. Truist company records above proves there was no prior notice given to me. It says " RECEIPT Attached : NO. Truist illegally withdrew {$490.00} from my personal checking account and it's records prove that NO receipt was attached at the time of the fraudulent withdrawal from my personal checking account. Any documents sent to me by Truist during the time of the bank 's illegal withdrawal bears a date after the fraudulent transaction. The date on the attachments included in this complaint by Truist bears the date of XX/XX/XXXX. Truist 's fraudulent transaction occurred on XX/XX/XXXX, without prior notice and written consent ( see attachments ). 

XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO - {$490.00} - view details for XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO XX/XX/XXXX Posted Balance : {$1500.00} There's a constant practice by the banking industry in noncompliance of the federal banking laws. 
The only debt I have with Truist is my mortgage payment in which was originally with Suntrust Bank initiated in XXXX. The merger with XXXX and Suntrust to create Truist caused the changeover in my mortgage. 
As a banking consumer, I had never had a direct monetary relationship with Truist. I never consented to a direct relationship with Truist. Any banking relationship I have was inherited and minimal, and with NO direct, written consent by me. 
As a result of this illegal and fraudulent act on behalf of Truist, I have suffered tremendous financial hardship. My next monthly mortgage has been tremendously threatened. My utilities are faced with cut-off notices. 

Truist provided me with NO PRIOR NOTICE before illegally confiscated funds in the amount of {$490.00}. All funds were illegally withdrawn from my account on XX/XX/XXXX, within hours after I made a large deposit in my account. Any notice to me was submitted by Truist two ( 2 ) days after the fraudulent and non-consensual withdrawal from my account ( see attachments ). This is not prior notice granted to banking consumers by federal law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I sent money to my sister in XXXX but it didnt go through so I tried to get a refund. Money gram is not allowing me to get my refund even though I called their number.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion,  XXXX  and  XXXX , do not report all payments, I have contacted  XXXX ,  XXXX   XXXX , and others and they say, the Credit Bureaus do what they want  ans  have NO REGULATION. Despite companies sending in my on time payments, the credit Bureaus retaliate on consumers who complain by not fully adding payments made from day one to manipulate consumer credit sco res. We have copies of reports and hard copies, evidence shows the Malfeasance of the Credit Bureaus. Should we file complaint with US Department of Justice to end their corrupt action and retaliation? Credit Bureaus are refusing to report company in formation.
Product: Mortgage

We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.
Product: Credit card or prepaid card

I had a 12 month promotional rate on my credit card at 0 % interest which expired on XX/XX/XXXX in the amount of {$2600.00} as of the XX/XX/XXXX statement ( attached ). 
In addition to this, I also have a balance transfer on the card at a rate of 1.99 % that does not expire until XX/XX/XXXX in the amount of {$3700.00} as of XX/XX/XXXX statement ( attached ). 

I waited until the day AFTER the first promotional balance expired ; and on XX/XX/XXXX I called Bank of America at XXXX at XXXX XXXX the call lasted 4 minutes ( screenshot attached ). The female representative I spoke with assured me that if I made a payment that day it would be applied towards the higher APR balance that just expired the day before on XX/XX/XXXX. She even said " you might get charged a couple of day 's interest as it will take a day or two to post to your account. '' I said fine as long as it covers my expired balance. She assured me, yes. 

I proceeded to make a payment in the amount of {$2600.00} that same day on XXXX/XXXX/XXXX ( statement attached shows this ). 

Much to my surprise, on XX/XX/XXXX my statement shows that I was charged {$57.00} in interest on that expired balance and still shows an outstanding balance of {$2500.00} that is accruing at a rate of 27.74 %! This is incorrect. The payment I made on XX/XX/XXXX should have covered that high APR balance. It clearly shows that the payment I made actually went towards the lower APR that doesn't expire until XX/XX/XXXX which is NOT what the statement indicates regarding payment allocation. 

Per the fine print on the credit card statement ( snippet also attached ). It very specifically says : " If your account has balances with different APR 's, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in EXCESS of your Total Minimum Payment Due will be applied to balances with HIGHER APR 's before balances with lower APR 's ''. 

This did not happen. 

I again called Bank of America at XXXX on XX/XX/XXXX at XXXX XXXX ( screenshot attached ). I spoke with XXXX in XXXX, IL, the call lasted 39 minutes. I advised him of my issue and he investigated. He said I did everything I was supposed to do but the system misapplied my payment! He said he would escalate this issue and a manager would call me within 48 business hours. That never happened.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries Dear CFPB, I am submitting a formal dispute regarding unauthorized inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). According to the FCRA, all inquiries must be authorized by me or verifiable by the creditor. 

The details of the disputed inquiries are as follows : Creditor Name : XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> Creditor Name : XXXX XXXX  Date of Inquiry : XX/XX/year>, XX/XX/year> Creditor Name : ONEMain Date of Inquiry : XX/XX/year> I did not authorize these inquiries, and I request your assistance in ensuring the credit bureaus investigate and remove them if they can not be verified. 

Please investigate this matter promptly and provide a resolution. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortionXXXX  XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$19000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Mortgage

I have a confirmation from Wells Fargo stating my auto-payment would be withdrawn from my checking account on XX/XX/XXXX. The auto-draft did not occur and Wells Fargo charged me a late fee and reported me late to the credit bureau. Then I got a late notice so I paid the XX/XX/XXXX payment, late fee, and the XX/XX/XXXX payment from my checking account on XX/XX/XXXX. Then Wells Fargo auto-drafted my account for the XX/XX/XXXX payment that was due and applied it to the XX/XX/XXXX due date. I filed a complaint on XX/XX/XXXX with Wells Fargo and received an acknowledgment. Then I called to check on the status of my complaint. I spoke to XXXX XXXX at XXXX ext. XXXX. I told her I had confirmation from Wells Fargo that the XX/XX/XXXX payment would be auto-drafted from my checking account ; XXXX confirmed she saw the same confirmation and would resolve it. I asked for the resolution to be sent in writing. I still have not received any resolution as of XXXX. My Wells Fargo complaint number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed items are completely fraudulent and were not opened by me, and is a very serious error in reporting.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Citibank , N.A . 
Regulatory Complaint Dept XXXX XXXX XXXX XXXX, KY XXXX Re : Citi bank card and Wayfair XXXX CFPB Case # : XXXX Dear Citibank Regulatory XXXX XXXX XXXX XXXX am writing in response to your letter dated XX/XX/year>, regarding my dispute submitted through the Consumer Financial Protection Bureau XXXX XXXX Wayfair XXXX account currently in charge-off status and involved in ongoing legal proceedings. 

While I understand your obligations under the Fair Credit Reporting Act ( FCRA ), I am seeking to resolve this matter amicably and equitably. Given that legal action has already been taken, I believe continuing to report the account as charged off is unnecessarily punitive and duplicative. My goal is to avoid further legal entanglement and work toward a mutually acceptable resolution. 

Settlement Proposal : I am prepared to settle each outstanding account referenced in this dispute by paying 25 % of the total balance due. In exchange, I respectfully request that Citibank : Update the credit reporting on these accounts to reflect a paid in full or settled in full status, and Remove the charge-off status or any negative remarks associated with the accounts from all major credit reporting agencies. 

This resolution would not only bring closure to the outstanding matters but also reflect favorably on both parties by demonstrating a willingness to cooperate and resolve disputes constructively. 

Please respond in writing with confirmation of your willingness to accept this offer and initiate the process. I am fully prepared to make payment promptly upon acceptance of the terms. 

Thank you for your time and consideration. I hope we can finalize this agreement quickly and professionally. 

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

I appreciate your assistance in removing some of the fraudulently obtained information from my credit report, however there is still information that has been forwarded to me that has to be deleted or blocked. According to FCRA section 605, credit bureaus must delete any records that were listed on an ID THEFT REPORT. I'm including this report again because I foresaw it in an earlier letter. My lawyer is eager to hold you accountable for your tenacious rebelliousness after I informed them of my intentions. 
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: Checking or savings account

I've been a customer for over four years with USAA and my checking and savings account has been restricted where I could not access it and it's been restricted since XX/XX/XXXX which is still restricted in the year XXXX my savings and checking account solo has nothing to do with my joint account due to the fact the joint account got compromised and USAA reversing credit reversing credits that they already had the investigation work on and allow the credit before I take it back I have no access I had already notified them of the spine we're fine we're meeting that computers are being hijacked by cyber which mine have I also told him that someone forward my general homeo somewhere else as well as hijack my telephone number I'm the victim and I can't get access to my money that I need right now they told me that the investigation will be done on XXXX XX/XX/2021 and he still not I'm still locked out
Product: Debt collection

I work in collections and all of my calls are recorded. I have asked the creditor, several times, on a recorded line, NOT to contact my job. They said ok and continued to contact me at work, after I requested that they did not. They have been to my house and have left letters. The debt owed is less than {$400.00}. They call me back to back. Sometimes 3x in less than an hour. And they call, after a voicemail has already been left. These are all violations of the FDCPA.
Product: Vehicle loan or lease

I have tried to fix this several times with the creditor and XXXX. On report is misleading information. First it says closed but payment status says pays account as agreed yet shows a 0 balance and a 0 monthly payment that's due, when the truth is I got the car and I got insurance through them but then found ins on my own cheaper and needed XXXX and the creditor refused to take away that extra amount of money off of my payment monthly on top of that they wouldn't fix the problems it had when I had literally just got it. So I talked to a higher up gentlemen who finally called me and said if I took the car back to lot voluntarily that day which I did that I would be free from the debt of the car... Here it is on my credit report. Last update they made was XX/XX/2020.
Product: Checking or savings account

on XX/XX/2022 I was out shopping in XXXX XXXX XXXX near my home in XXXX XXXX  I then proceeded to fund my chime debt card with {$100.00} so I can pay upcoming bill but later that day I received notifications that card was used so I called chime as soon as I saw the notification on XX/XX/XXXX they said that I can not file dispute because the transaction need to be posted to I saw it was posted on the XXXX so I called them back and filed dispute I was then notified in less than XXXX hours that my claim was denied when I contacted they said I need supporting documents so I send my location history from my XXXX  XXXX account then still my claim was denied saying that isn't snuff I then sent my other banks account statement that I used to pay for the XXXX and in XXXX but was still denied saying that they came up with there answer because my pin was not changed { but pin was not used in transactions } and I funded my account prior too the charges, how is that more proof than what I have submitted, I heard by a ex employee that chime does that to certain XXXX and keeps the funds for themself, please help this is not right I will provide email that chime sent and I will provide the information I povided to them there are multiple more XXXX I found who has had similar cases or the same cases please look into chime there are scammers I messaged the ceo and XXXX and none of them care to respond, this situation needs a class action lawsuit and that's my next step if I don't get this issue resolved
Product: Credit card

Capital one quick silver card. ProMotion spend XXXX in XXXX months get extra XXXX bonus. I called the XXXX number and told it does not exist on my offer. Per 41 usc code 1431 asking for ssi number is illegal because we have no lawful money. And they refused me for another credit card. There are codes that state they have to give me a credit card. These are your statues and codes not mine. With me you will follow every code guaranteed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am FED UP! These fraudulent accounts do not belong to me, yet they continue to report. I am filing a civil suit against equifax as of XX/XX/XXXX. I opted out over 3 months ago so Im no longer subject myself to Equifax arbitration bylaws .Equifax removed accounts and readded them back on my credit report and due to the FCRA XXXX I am supposed to be notified in writing before this takes place. I WAS NOT!!!!!! I, as a consumer have the right to know how these accounts were verified, because they do not belong to me but yet they are still reporting! I am sure that Equifax did not go to the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me. Failure to notify me that Equifax reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As Equifax has violated the FCRA., and refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623.Equifax failure to remove these negative inquiries and accounts have caused me mental anguish and has hurt me financially. My case will be handled by XXXX XXXX XXXX XXXX XXXX CONSUMERPROTECTION LAWYERS ) XXXX XXXX XXXX XXXX  Al XXXX We are bring our legal claims against Equifax as of today. 

XXXX XXXX XXXX  Car XXXX XX/XX/XXXX {$120.00} XXXX {$95.00} ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bank  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Dealer XXXX XX/XX/XXXX These certain induvials in the fraud department are responsible and the will be personally named in our lawsuit as of today XXXX XXXX of Equifax senior vice president enterprise fraud ID theft XXXX XXXX of Equifax XXXX XXXX XXXX XXXX XXXX of Equifax Fraud and identity product manager