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  XXXX XXXX account, XXXX XXXX account # XXXX, XXXX account # XXXX and US Department of Education account # 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

XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XX/XX/year> WESTLAKE FIN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX RE : Cease & Desist from Collections Dear Westlake financial : On XX/XX/year>, one of your employees or agents calling on behalf of your company contacted me and claimed that I owe a debt to Westlake financial under account number Last 4 digits XXXX. At this time, I would like for you to make a note that I am disputing this claim and that I do not believe I owe this balance. Your continuous calls and such conduct have caused me to suffer severe humiliation, embarrassment, emotional distress, and physical discomfort. Please take note that any future unsolicited calls will be reported as a violation of 15 USC 1692c of the Fair Debt Collection Practices Act for debt harassment and unfair collection efforts in the attempt to collect said debt. I hereby demand that you cease and desist all future calls and update your records immediately. If action is not taken by you to cease and desist within 30 days from receipt of this letter, I will have no choice but to take appropriate legal action against you, including but not limited to filing a report against your company under the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These are the dates this Finance Company check my credit without my permission. Ive reached out to this company multiple times with no luck. This is a auto finance company, I have not given anyone my permission to finance anything with my credit nor have I applied for any finance loans. Ive been back and forward with the credit bureaus working on my credit fraud case. So Im contacting this company directly to have these inquiries removed and or deleted off of my report.
Product: Credit reporting or other personal consumer reports

XXXX submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$2300.00} XXXX  XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1700.00} XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

No proof of Debt - I have tried repeatedly to have them provide proof of debt. They became hostile, rude and argumentative. They have provided zero proof of debt.. No original billing has been provided.
Product: Credit reporting or other personal consumer reports

Paid the balance of the account in full on XX/XX/year>. Spoke with a representative of XXXX XXXX on the phone this date. They advised me that {$280.00} was the total balance on the account. I was on the phone with them settling a different account when they also notified me of this account with them. During this time I was working with a debt settlement company whom was settling most of my accounts on my behalf. The accounts I had with XXXX XXXX  were not part of the program as I intended to pay them off in full and settle the accounts myself. I paid XXXX XXXX for both accounts on XX/XX/year> and was advised that both accounts were settled, paid in full and CLOSED. However in XXXX I received a notification that my XXXX XXXX XXXX account was past due. I called XXXX XXXX again asking why I was receiving this message. They informed me that they never closed the XXXX XXXX account after I paid it in full which resulted in {$9.00} of interest charges posting to the account. After the interest charges posted, they then proceeded to charge me interest on the interest charges and charged me with several late fees for an account they told me was closed in XXXX of this year. The account had a {$0.00} balance in XXXX after I paid in full and is now at a balance of over {$400.00}. The card hasnt even been used during that time as they told me the account was closed back in XXXX. Therefore, over {$400.00} worth of interest charges and account late fees accounts for 100 % of the total new balance. I have done everything in my power and taken action toward actively paying off all of my debt. I am 75 % through my debt settlement program and am determined to finish the program and settle all of my debt. It is not fair that this creditor is able to tell me they did something when they actually did NOT do what they said resulting in substantial financial harm to myself and my family. It is not fair that they can just say oh well we maybe made a mistake but you still owe us the money and their is very little I can do about it but pay it. Please help!
Product: Debt collection

portfolio recovery associates, XXXX, dept. XXXX, XXXX XXXX XXXX, XXXX, ca., XXXX, has several times to collect " stale debts '' ( debts that are more than XXXX ( XXXX ) years old in violation of the federal and florida laws on credit card debt collection. last collection dates, XXXX XXXX, XXXX, ac. # XXXX XXXX, and XXXX. 
I had explained to " portfolio '' that collection of the above accounts are a violation of the fdcpa and florida debts collection statute but " portfolio '' continues its collection efforts. 
this is the last action that I will take before file suit in a court of law with jurisdiction on this matter. sincerely yours, XXXX XXXX
Product: Checking or savings account

I have a High Yield Savings account with Synchrony Bank. On XXXX my credit union account was debited for {$170000.00}, Synchrony did not give me credit until XXXX ; On XXXX my credit union account was debited for {$25000.00}, Synchrony did not give me credit until XXXXXXXX ; On XXXX Synchrony debited my account for {$25000.00}, My credit union did not receive the credit until XXXX ; On XXXX Synchrony debited my account for {$170000.00}, My credit union did not receive the credit until XXXX Essentially, they are not paying me for 2 - 4 days worth of interest on both incoming and outgoing cash flows. I can understand that they may not make funds 'available ' for a day or two due to making sure there are n't NSF or other chargeback/issues. But, the reality of it is in today 's instantaneous electronic banking world they have 'credit ' for my funds at the exact time my institution is 'debited '. They are cheating consumers out of significant days worth of interest. This very LARGE financial institution is charging consumers outrageous interest rates for credit cards, and their very low 1.19 % cost of funds they are paying for deposits to fund those credit card balances, they further decrease by cheating consumers out of a couple days worth of interest. Tell me this - if I had a credit card with them and charged something on it, do they afford the consumer the same benefit of NOT charging interest on that transaction for two days? I 'm pretty sure they do n't. This is the type of consumer harm the CFPB was created to protect consumers from and the reason the Dodd Frank Act was passed, yet consumers continue to be harmed by these large Banks that have very healthy profit margins. The fact is, the difference is about {$27.00} worth of interest ; I and certainly not Synchrony, will ever 'notice ' that amount of money but it is a matter of principal and when you talk about their BILLIONS of savings accounts, two days adds up to A LOT of money for them, spread out over lots of little consumers that probably will never 'notice '. That certainly does n't make it right and they should pay depositors fairly, just like they charge their credit card holders 'fairly '.
Product: Credit reporting or other personal consumer reports

Once again I submitted a dispute to LexisNexis regarding inaccuracies in my credit report, including incorrect personal information and an outdated judgment. And once again, LexisNexis refused to process my dispute, claiming they were unable to authenticate my identity. This response is unfounded, as I previously submitted the same identity verification documents that were accepted by LexisNexis just XXXX months prior in XXXX when I requested my credit report to which my identity was authenticated, and my credit report was provided. My address or other credentials has not changed. 
The refusal to process my dispute appears to be an attempt to circumvent their responsibilities under the Fair Credit Reporting Act ( FCRA ). LexisNexiss actions deny me my right to dispute inaccuracies and to have my credit file investigated and corrected. 
Violations : XXXX. Fair Credit Reporting Act ( FCRA ) : Failure to conduct a reasonable investigation of disputes. 
Unjustified refusal to process a dispute by claiming inability to verify identity.
Product: Credit card

Complaint Against XXXX 's Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Respondent : XXXX 's Address : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Date of Complaint : [ Date of Filing with CFPB - Today 's Date ] Date of Incident : XX/XX/XXXX Nature of Complaint : Faulty Installation : Incorrect sink fit, damage to property during installation ( floors, water system ).

Misrepresentation : Incorrect sink type installed despite specific request.

Billing Errors : Double char

ges for countertop installation. Poor Customer Service : Difficulty c
ontacting XXXX 's, refusal to investigate damages, lack of resolution. 
Detailed Description : On XX/XX/XXXX, I contracted with XXXX 's for the installation of a countertop. We agreed on a price and installation date. However, the installers : Installed the wrong sink : I specifically requested an under-mount sink, but they installed a drop-in sink. 
Caused significant property damage : The installation crew caused damage to my newly installed floors. 
They broke a water pipe, resulting in water damage to the floor and requiring costly repairs. 
They tracked dirt and debris throughout my home, causing further damage. 
Demonstrated unprofessional behavior : The installers spoke no XXXX, hindering communication and resolution of issues during the installation. 
They lacked proper footwear, causing further damage to my floors. 
Attempts to Resolve : I immediately contacted XXXX 's to report the damages and the incorrect sink installation. However, XXXX 's : Denied responsibility : They blamed me for the damages, citing the use of a third-party installer as grounds for denying my claim. 
Failed to investigate : Despite providing photographic evidence of the damage, XXXX 's did not conduct a proper investigation. 
Provided poor customer service : I encountered significant difficulties contacting XXXX 's representatives. Calls were frequently placed on hold and then abruptly disconnected. 
Financial Impact : Damage to property : I estimate the cost of repairing the damage to my floors and water system at approximately {$XXXX}. 
Incorrect sink installation : I was forced to pay an additional {$XXXX} to correct the error and have the correct sink installed. 
Double billing : XXXX 's erroneously charged my account twice for the countertop installation, resulting in a double charge of {$XXXX}. 
Requested Relief : Reimbursement for property damage : {$XXXX} Compensation for pain and stress : {$XXXX} Credit to my XXXX 's account : {$XXXX} ( to correct the double charge ) A formal apology from XXXX 's Supporting Documentation : [ List any supporting documents, such as photographs of the damage, invoices, communication records with XXXX 's ] Signature : XXXX XXXX Date : XX/XX/XXXX
Product: Credit card

Subject : Urgent Request for Credit Investigation and Resolution Dear Capital One Customer Service, I am writing to express my extreme dissatisfaction with the handling of my recent fraud case and to request an immediate review and resolution of the matter. I believe there has been a significant oversight in the investigation, and I implore you to thoroughly reevaluate the evidence and rectify the situation promptly. 

On [ date ], I reported several fraudulent charges on my Capital One credit card. I expected a comprehensive investigation that would uncover the truth and provide me with a fair resolution. However, I was shocked and deeply disappointed when, after just two days, my application was denied, and I was accused of being involved in the fraudulent transactions. 

I want to emphasize that I am not involved in any fraudulent activity and have always been a responsible and loyal customer. The speed at which this decision was made without proper examination of the evidence is deeply troubling. It appears that my case was not given the attention it deserved, leaving me feeling unsupported and wrongly accused. 

I kindly request that you reopen the investigation into my account and credit history to correct this grave error. I urge you to carefully review the evidence, considering all pertinent information and any additional evidence I may provide. I believe this thorough examination will reveal the truth and exonerate me from any involvement in the fraudulent charges. 

Furthermore, I request a transparent and empathetic approach to addressing my concerns. I expect clear and open communication throughout this process, keeping me informed of any progress or updates. It is crucial that Capital One takes my case seriously and demonstrates a genuine commitment to customer satisfaction. 

I have been a loyal customer of Capital One for [ duration ] and have always appreciated your reputation for excellent customer service. However, this recent experience has shaken my trust and confidence in your services. I sincerely hope that you will take this matter seriously and work diligently to restore my faith in your institution. 

I trust that you will thoroughly investigate this issue and provide a fair and satisfactory resolution. I eagerly await your prompt response and a clear plan of action to address my concerns. Failure to do so will leave me with no choice but to escalate this matter further. 

Thank you for your immediate attention to this urgent matter. 


Sincerely, XXXX XXXX
Product: Credit card

I have had a Best Buy credit card for many years. It now goes through CitiBank. I charge about {$3000.00} per month on this card and pay off the entire balance each month. The rewards program for the card promises 1 % or more in Best Buy rewards. Beginning in XX/XX/2016 I have not received any rewards for these outside purchases. I have reported the problem to Best Buy on XXXX occasions beginning on XX/XX/2016. In each instance customer service tells me the problem with be resolved within XXXX business days, but this never happens.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. I WAS INFORMED THAT MY PERSONAL INFORMATION WAS INVOLVED A IN BREACH AND WAS ADVISED TO CHECK MY CREDIT. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERIFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED 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 admitted this was my loan. I offered to pay 50 % of balance to delete negative statement from my credit bureaus all three.
Product: Credit card or prepaid card

Synchrony bank called me at XXXX in the morning today Sunday XX/XX/2020. This us a violation of the FDCPA act which allows calls of XXXX to XXXX of the consumer 's time zone
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern TransUnion  XXXX .  XXXX   XXXX   XXXX , CA  XXXX    XXXX    XXXX .  XXXX   XXXX   XXXX , TX  XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC  #  XXXX  DOB  XX/XX/XXXX   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX  To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) list ed below are as follow : Have enclosed a  XXXX  bills ***PLEASE UPDATE MY CURENT  ADRESS ADDRE SS :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  BEEN LIVING THERE SINCE  XX/XX/XXXX  THESE ADRESSES ARE MY OLD ADRESS :  XXXX   XXXX   XXXX     XXXX     ,    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   ,    XXXX    XXXX  Old number and is no longer mine :  XXXX  *****MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) (   5  ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the pas t six  months.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item  ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so   will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX ,  XXXX   SOC #   XXXX  DOB  XX/XX/XXXX   XXXX    XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX
Product: Credit reporting or other personal consumer reports

On all XXXX major credit bureaus the original creditor sold the debt and is still reporting and the collection agency is also reporting the same account. A dispute was made to each of the credit reporting agencies and they only update the original creditors account to purchased by another lender. This is double jeopardy and affects my credit as if I have more negative accounts than I do. Here is the information from my reports on both of the reporting companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX PURCHASED BY ANOTHER LENDER ; PAID IN FULL/WAS A CHARGE OFF NCB MANAGEMENT SERVICES XXXX XXXX ) XXXX Account XXXX XXXX XXXX XXXX XXXX, PA XXXX Original Creditor XXXX XXXX XXXX Completed investigation of FCRA dispute-consumer disagreed XXXX XXXXPLACED FOR COLLECTION<
Product: Debt collection

hese accounts are inaccurate for the following reason : I did not authorize these debts or accounts, and they were opened fraudulently without my knowledge or consent. This constitutes a clear violation of FCRA 623 ( a ), which mandates that information reported to the credit bureaus must be complete and accurate. Reporting false or unverifiable information is a breach of federal law. Additionally, as a victim of identity theft,
Product: Debt collection

I have previously disputed Name XXXX XXXX XXXX XXXX XXXXXXXX starting on XX/XX/year>. 

The companies responded that they verified the item as accurate, stating they verified the information with the courts/ third party. 

I contacted the Court Clerks Office and their response was they do not do reporting with any of the credit bureau 's or outside agencies. She stated that the credit bureau 's collect court reports on their own. 

I was guided to the courts website to verify that the information XXXX gave me is listed on their website for consumer rights and protections. 
Therefore, the initial responses verifying the item/s with the courts /third- party was either an error or a misunderstanding. 

Either way, the reporting requirements do not comply with FRCA 611 ( 15 U.S. C. 1681I ). and the information must be removed immediately. 

Thank you,
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received an Official Identity Theft and Fraud Report that was filed with a Official Federal Agency in charge of Enforcement. XXXX  received the Identity Theft and Fraud Report via Certified Mail # XXXX in which the certified was signed into Experian possession on XX/XX/2020. 

This certified mailing included An Official Identity Theft Report, a sworn Legal Affidavit, a sworn notarized statement of all the fraudulent accounts, as well as a sworn notarized statement of my identity. Experian is in violation of FCRA Section 605B ( A ) for the failure to block and suppress the Fraudulent Account From XXXX/XXXX.

Legal action will be filed in a Court of Law. Experian must delete the fraudulent account XXXX/XXXX  upon immediately receiving this complaint or Experians Registered Agent will be served with Legal Process in 3 days from now