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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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: Debt collection

Commonwealth Financial Systems have reported 3 seperate accounts on my credit report for {$910.00} each. This debt was with a previous debt collector who couldnt provide me verification, so it was removed from my credit report. Commonwealth Financial Services have fraudulently opened 3 seperate accounts for 1 alleged debt. A debt thats already been removed previously for inaccuracies. Not only that, when I asked for verification via written letter, all I received back was a paper from a medical DR. Not only is this frustrating, it concerns me that theyd be willing to send copies of medical discharge papers to just anyone via written mail. All 3 of these accounts should be removed from my credit report immediately. 

These are all opened within 2023.
Product: Credit card or prepaid card

Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX ran my Old Navy credit card crediting it {$150.00} without my authorization. Without me purchasing anything and without me receiving any services. I signed nothing and immediately disapproved and was told the charge would be credited back to my card by the following Tuesday, XX/XX/XXXX. 
Tuesday the credit was not returned. I visited XXXX XXXX XXXX XXXX  and was told the credit would be returned to my credit card on Friday, XX/XX/XXXX. 
The lady who assisted me would not give her name so I wrote the business stating I wanted the money credited back to my account and received no answer. 
I called Barclays Bank and disputed the charge. Stating I did not give authorization. I did not sign anything or received any services or products from XXXX XXXX XXXX XXXX. 
As it stands Barclays Bank gave my {$150.00} to XXXX XXXX XXXX XXXX without XXXX  XXXX XXXX XXXXl giving me anything in return or authorized to do so. XXXX XXXXXXXX XXXX XXXX  stole my money with Barclays Bank help. 
After going back and forth with Barclays Bank I paid my balance leaving the {$150.00} plus {$1.00} x 2 the cost to fax the dispute letters and closed the account. I didnt add the first fax fee of {$7.00} because at that moment I couldnt find the receipt. Barclays Bank reopened the account and start charging me interest and late fees. 
Since XX/XX/XXXX Barclays Bank calls me on the advantage five times sometimes more a day. Only four representatives ever spoke on the phone, one said she was closing the account again, one sent me statements, and all four of them said they were sending my dispute to the dispute specialist. The other 100s of calls have no communication. I answer the phone and say hello and the person on the other end hangs up. 
I seriously think there is a communication problem with Barclays Bank representatives. The representatives I spoke to when I opened the dispute did not seem to understand or hear me say I received nothing. No service no product and I did not authorized the transaction. It sounds as if they were reading a script or AI programed to repeatedly say there is no dispute. 
Barclays Bank gifted my credit and now expects me to give them {$150.00} to pay for a gift I did not give. 
Please investigate Barclays Bank. Something is definitely not right. I have the account with Barclays Bank. Why would a Barclays Bank not look at all the red flags associated with XXXX XXXX XXXX XXXX theft and call 100s of time, saying nothing then hangs up?
Product: Credit reporting, credit repair services, or other personal consumer reports

The account in quesiton is bogus/fraudulent. I tried disputing thru XXXX XXXX and XXXX XXXX to receive a response of " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated ''. I then disputed with a certified letter in XXXX of 2021. Only to receive the same response. I was in XXXX when this account was opened fraudulently. I've requested the company send me proof I opened the account by providing my signature on original loan or contract documents. Which goes unanswered. This is my last step in having this REMOVED from my credit report via the Fair Credit Reporting Act. If you do not comply with my final request then I will be forced to file a law suit against the Firm. I'm clearly persistent and only want done what is right. Please comply and advise so we do not have to go to such drastic measures. Afterall, its not that much money. I just need it gone so my wife and I can purchase a home, hopefully before our little girl XXXX. 

Thank you in advance, XXXX XXXX XXXX XXXX # XXXX
Product: Credit card

Our mail carrier was robbed and mail was stolen. The creditor said a letter was sent for me to sign so that I could identify myself. I never got the letter. I explained to them I didnt get it and was told once the account is closed they cant reopen it. The creditor also closed it right after I paid the balance off causing an impact to my credit score.
Product: Vehicle loan or lease

XXXX XXXX XXXX continues to report incorrect to all three credit bureaus. I The loan in questions has been paid off for over a year. They continue to refuse to resolve this issue which has resulted in me being unable to refinance my home.
Product: Credit card or prepaid card

My card was stolen at at gas station. I may have dropped my card and I called cash app customer service the next day when I realized it was a transaction that wasnt made by me .they wouldnt provide me the store information so I can call the store myself also to inform them. I filed a dispute that same day XXXX XXXX and was denied today XX/XX/2022 I ask them why and they provided me more information today it said insufficient funds is the reason why they denied me. I couldnt talk to a manager or no one to resolve issues they wouldnt provided me no more information told me case close. I ask them can I reopen the case and the information giving to me is not correct to open the case. I call representatives for help and both told me no more information can be given on this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 alleged fraud or extortion. 



XXXX XXXX Balance : {$3500.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX {$220.00} ; 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
Product: Credit card

I've used XXXX Bill pay to send my monthly payment of {$110.00} to Synchrony bank, for my mattress firm card balance. The system accepted all payments in this method for all of XXXX and XXXX and through XXXX of XXXX. It accepted payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

My payments sent for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, are being returned. XXXX XXXX  is sending the paper checks to Synchrony in exact same method as I've sent in for XXXX, XXXX, and XXXX. Snychrony bank is returning the paper checks and not showing that I've paid my bill for those months. 

Ive provided more than 3 times a bank statement with activity from XX/XX/XXXX through XX/XX/XXXX. This statement details the months checks were returned : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I sent this electronically through the system and also via Fax. No Resolution from Synchrony. 

3 times previously, I've sent Proof of Payment from my Bank ( XXXX  ) for payments I made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

Given the facts above, I sent another payment on XX/XX/XXXX in the amount of {$340.00}. I sent a separate payment of {$110.00} on XX/XX/XXXX. In a cruel twist of irony, this payment was accepted and my XXXX payment of {$110.00} was not accepted. 

I previously provided this proof of payment to Synchrony bank through the message center, which is no longer on the webpage as of today. 

This is the worst customer service Ive ever encountered. For 7 months, Synchrony has not fixed their system and it is causing me undue stress and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.
Product: Checking or savings account

XX/XX/year>, I, XXXX XXXX, received a check from XXXXXXXX XXXX XXXX, for {$58000.00}. 

XX/XX/XXXX, I XXXX XXXX, signed a check for {$58000.00} over to XXXX XXXX. 

XX/XX/XXXX, the funds we taken out of XXXX XXXX XXXX. they verified that Chase bank received the money. 

Chase bank has refused to deposit the money to XXXX XXXXXXXX XXXX account, in fact they have closed her account. Chase bank is holding the money somewhere, we havent received it. 

I want the money returned to XXXXXXXX XXXX XXXX so they can reissue the check to me.
Product: Checking or savings account

I went to TCF get an account for my son. I am his rep payee, I informed them that I was his rep payee. They opened a joint account, that was not a rep payee account. Prior to even opening the the account they said we could dept a check however we would not be be able to take any funds out for 7 to 10 business days, how ever thus would not have worked dir us sye to the fact we needed money right away, we opened an account they failed to call me I owed money from an account back in 2003. They ended up taking my sons XXXX check, i tried taking to them and they pretty much said to bad. My son is a vulnerable adult. This is bit ok for them to do this.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Info : Employers : XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with 12 CREDIT ONE BANK N A, I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has a student loan listed on my credit file that is my sons I am XXXX, it is also past the statute and needs to be removed off of my credit file. Please handle this ASAP XXXX # XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX  and I do not have a contract with LVNV FUNDING plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a dispute to Equifax about the following accounts : XXXX CARD ( Date Opened XXXX XXXX, XXXX, Credit limit {$7100.00} ), XXXX ( Date Opened XXXX XXXX, XXXX, Balance {$0.00} ), XXXX XXXX  XXXX ( Date Open XXXX. XXXX, XXXX, Credit limit {$1800.00} ), XXXX XXXX  ( Date Opened XXXX XXXX, XXXX, Credit limit {$3800.00} ) and XXXX CARD ( Date Opened XXXX. XXXX, XXXX, Credit limit {$10000.00} ). It's been over 5 months since I send the disputes and till this day Equifax have not respond as they are obligated by XXXX XXXX.
Product: Mortgage

I, XXXX XXXX, had an insurance claim for damages to my car garage that was hit by motorist at XXXX XXXX XXXX, XXXX MD XXXX. XXXX XXXX issued check, but stated the check must go to my mortgage company for verification, and then they would release payment to the vendor/contractor for repairs. My mortgage company BSI was issued a check for my repairs from XXXX. The mortgage company cashed out the check, from XXXX XXXX  company, but never paid out the BSI Financial never paid for the damages I incurred. I since them paid for all the repairs myself out of pocket, and the mortgage company owes me {$6200.00} Please see attached check when I received it and sent it to BSI for payment.
Product: Credit reporting or other personal consumer reports

You lied and said I never submitted proof of identity so you denied my data breach/ identity theft request. That is a lie. Please block all the account stated in my dispute letter from my credit report immediately since 4 business days already passed or we will be pursuing litigation. CFPB already informed me that yall have been illegally doing this for years. They also informed me that I should sue you. Please dont make this necessary. I have already lost over {$10000.00} due to this reporting to my report inaccurately due to data breach. XXXX XXXX XXXX  was Also illegally reinserted without properly informing me within 4 business days and providing proof of validation
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft Im submitting FTC reports and complaints to have these negative items removed form all XXXX bureaus
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit, highlighting significant issues with the platform. Despite using Zelle, numerous times and reporting discrepancies, my financial institution Zelle failed to investigate my claims adequately. They informed me that recovering lost funds would be impossible and that tracking these transactions were unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized account with the name of XXXX XXXX XXXX and a XXXX XXXX XXXX is being fraudulently reported on my credit report by Experian, XXXX, XXXX and the creditors wont fix the problem even with a police report and a FTC report.
Product: Payday loan, title loan, personal loan, or advance loan

I feel that I was a victim of fraud by Green Sky when I financed my Water Heater through XXXX XXXXXXXX XXXX XXXX. I was told it was a 0 % 2 year promotional period to end in XX/XX/year>. I realized I have been charged interest right from the very beginning. 

E-Mails to Green Sky have been useless. They basically say that is their policy that they charge interested during the 0 % promotional period. This to me is fraud and I feel it is a " bait and switch '' deal as well. 

After conducting research on this company I found there have been multiple lawsuits for this same issue against the company. I think this company should be fined and be made to follow what they advertise. Again, Fraud.
Product: Mortgage

New Discovery. It appears that in XX/XX/XXXX a payoff amount was {$71000.00} on loan number XXXX and loan type Conventional. I am very concerned how is this is my payoff amount? And how did they arrive at that payoff amount balance? This is the same balance that is on that fraudulent XX/XX/XXXX XXXX loan modification document. The only rational that I see is that the {$21000.00} is missing funds that was not applied to the Round Point Mortgage loan account XXXX on XX/XX/XXXX. When you add the {$21000.00} New money to the existing mortgage balance the total comes out to {$71000.00} to be exact .what they did is took the missing funds of {$21000.00} that was not applied to my loan mortgage account on XX/XX/XXXX and invested in a money first account to make profit. I can remember I was inquiring about the loan amount and why it was a Conventional loan which I never got an answer to those questions. Then in XXXX I was con to signed 2 documents for the same amount of funds that has been missing since XX/XX/XXXX but I had no knowledge that all this was going on.That new money of {$21000.00} please investigate exactly where was those funds was applied to? On the loan modification its states investor loan No :  XXXX did the missing funds applied thereXXXX XXXX XXXX XXXX has the loan modification documents that was transferred from Round Point Mortgage to XXXX XXXX XXXX on XX/XX/XXXX stating the same. Attached exhibits A B C
Product: Payday loan, title loan, or personal loan

I did not apply for auto financing for this debt collector. I have not received any written information to validate this debt. This should not be on my credit report as an inquiry or debt. Please remove this from all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX, Account # XXXX with XXXX 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 an account without my written instructions.
Product: Debt collection

Wakefield And Associat Amount XXXX I demand removal I have no acknowledgment of this collection.The company refuses to provide requested paperwork
Product: Credit card

I set up Autopay when I first got this CC a few months ago. I was charged fees when Autopay did not complete my initial payments, and then this past statement my bill was deducted from my checking account twice, causing lots of problems. BOA has said they will refund the duplicate payment ( up to 14 business days ), which is not acceptable. They also could not explain why this happened or if it will be solved in the future.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion have failed to respond to my dispute letter from almost XXXX ago. On XX/XX/year> I sent the letter notifying them of inaccurate and unauthorized information on my report along with a request for debt validation documents for 2 unknown collection accounts. By not responding within the 30 day time frame required by the FCRA they have violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX Acc # : XXXX Account : XXXX XXXXXXXX XXXX XXXX Acc # : XXXX Account : XXXX XXXX XXXX # : 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.

15 U.S.C 1681c ( a ) ( 5 ) section state : no consumer reporting agency may make any consumer reports containing any of the following items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall 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.