23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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.

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 inructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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
Product: Credit card

@ three years ago I purchased a XXXX XXXX bed with 36 months of interest free payments to be made. ( which I made on time with ACH payments from my checking account ) After 36 months of making all of the payments they are showing that I owe them a high balance remaining and say this is from some type of credit card protection fee. 
XXXX. I never had a credit card from them. ( Synchrony Bank ) XXXX. They say I " checked '' a box for this on my application. I never did. 
XXXX. I have literally spent hours on the phone with them and they keep saying they will look into it. Then they refer me to a different number where they then refer me back to the first number. 
XXXX. I am a XXXX year old veteran and need you assistance with this please. I do not want them destroying or damaging my credit rating. 

My latest communication with them : XXXX, Something to consider Inbox Synchrony Bank XXXX Unsubscribe Wed, XX/XX/XXXX, XXXX ( XXXX hours ago ) to me Account Ending In XXXX | Log In Let 's talk solutions Hi XXXX XXXX Your XXXX XXXX/SYNCHRONY BANK account is past due. Reminder, Synchrony reports your account status to XXXX, XXXX and XXXX credit bureaus XXXX. 
Current Balance Total Minimum Payment Due Due Date {$1300.00} {$280.00} XX/XX/2024 No login? No problem Click Here and Select Pay As Guest We're here to help XXXX Call us Weekdays XXXX XXXX.- Midnight Weekends XXXX XXXX- XXXX XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2024 Synchrony Bank XXXX XXXX Synchrony Bank, XXXX XXXX ( XXXX ) I have called numerous times to discuss the fraudulent charges that were placed on my account. It seems that nobody has cared to listen to the now " hours '' of time I have spent on the phone with you! 

Given your lack of attention to detail and the fraud that has been perpetuated on my account I am now in the process of filing a report with the Consumer Financial Protection Bureau. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXell XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Comenity Bank opened a XXXX XXXX XXXX in my name on XX/XX/2020. I did not open this credit card and never applied for credit from them. I never received a statement with an account number. I never received a credit card nor activated a card. 

XXXX is requiring an FTC complaint acknowledgment to report the card a fraudulent. When I tried to close the account with the Bank, they refused because I didn't have an account number for the account fraudulently opened in my name. I had to obtain the account number from the credit bureau to close the account with Comenity Bank. Most people wouldn't know enough to get the account number from the credit bureau.
Product: Credit reporting or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiries or view my credit report. In addition, I did not permit TRANSUNION permission to furnish this incorrect information on my credit report. This violation of the Fair Credit Reporting Act Section 1681b ( c ) constitutes fraudulent activity and a serious breach of my privacy rights.

Please remove the inquiries from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from XXXX XXXX  saying that I owe them a debt. These documents arent proof and the looked created by XXXX XXXX  rather than official from XXXX XXXX. All documents look fake. There is no transactions to show why the amount is what it is. They dont contain a wet signature from me stating that I agreed to a contract with them neither to this XXXX XXXXXXXX account. Look at attached documents below.
Product: Credit card or prepaid card

I contacted creditor and requested assistance given covid related health setback. Creditor refused to offer any XXXX deferral / forbearance option- they merely offered an {$8000.00} lump sum settlement payment. 

On XX/XX/2021, I received an email, again requesting I contact creditor, to discuss payment assistance options, no such options were provided. The creditor refused to discuss the matter and hung up the call. 

I have remained current on all credit obligations prior to my illness, this is the only XXXX company who I contacted that conduct themselves, as the XXXX XXXX XXXX that benefit always at the public 's expense, whenever their insatiable appetite leads the country to the brink of ruination. 

These XXXX have ruined my credit, and caused me XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have XXXX inaccurate bankruptcies that I disputed on my Equifax credit report in XXXX. Equifax claims they spoke to the court but the court does report any information to credit bureaus. I requested validation and if they could not validate the information to remove the information from my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$510.00} XXXXXXXX XXXX XXXXXXXX Balance : {$4000.00}
Product: Debt collection

XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE: XX/XX/XXXXFRANKLIN COLLECTION XXXXYour company have violated FCRA 615(f) (15 U.S.C. § 1681m (f))(f) Prohibition on sale or transfer of debt caused by identity theftYou have not responded to my request to provide me with an investigation report.I need this resolve , under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence(1) In general No person (company) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.(2) ApplicabilityThe prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph (1) after the date of a notification under paragraph (1).(3) Rule of constructionNothing in this subsection shall be construed to prohibit--(A) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft;(B) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing;  or(C) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.The reference items are listed below please take this matter very serious FRANKLIN COLLECTION XXXXI have report your company to consumerfinance.govAs a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of CaliforniaStop collection proceedings against me•	Signatures on applications and accounts•	Investigators reportXXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  hard inquires on my credit report and they were n't authorized 1.   XXXX     XXXX , DE  XXXX  (  XXXX  )  XXXX  and 2.  SpringLeaf Financial  services no contact information
Product: Credit reporting

I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX
Product: Mortgage

The company stated that they would process the escrow refund of {$2100.00} and mail a letter explaining the difference in the new mortgage balance. However, they have not processed the refund. Additionally, when I tried to log in to my online account, I was locked out of the system, making me unable to access all my payments. I request that they allow me to retrieve all my documents online for record-keeping purposes. The annual property taxes for the county are as follows : XXXX : {$8900.00} XXXX : {$9300.00} XXXX : {$9700.00} From XXXX to XXXX, there was a significant annual increase of {$440.00}. From XXXX to XXXX, there was a significant annual increase of {$360.00}. With this increase, the mortgage lender raised our XXXX fixed mortgage payment by {$760.00} per month starting in XX/XX/XXXX. Over 10 months ( XXXX to XXXX ), this totals {$7600.00}. We have been paying for our own insurance since the day we purchased the house. Furthermore, I did not receive any escrow updates, which violates RESPA regulations regarding how much was charged to my escrow account per month. The dramatic increase of {$760.00} per month is unjustified. This is a XXXX fixed mortgage loan, not a jumbo loan or a XXXX year mortgage loan. My monthly payment was {$3700.00} with only a slight increase due to county taxes in XXXX. However, this does not justify the demand for a XX/XX/XXXX installment payment of {$4100.00} ( as stated in their letter ), especially since this amount is not escrowed. This is a violation of the terms of a fixed XXXX mortgage. I will soon submit a mortgage audit from my CPA. This conduct constitutes fraud. And escrow balance of {$2100.00} has not refunded back to me when the company stated that they will refund me back to my checking account. 
And, I need them to notify me when do I start paying for my own property taxes next year since the mortgage now is not escrowed now. I only agree to pay9ing principal and interest to Selene Finance. 

CFPB please advice. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX XXXX an unauthorized XXXX hard inquiry causing my credit score to drop this affecting my mortgage approval odds
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 file that do not belong to me, or that I have signed any agreement. The item I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the item listed below : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against Equifax. 

We just easily had the other credit reporting agencies freeze our credit report by online action. 

Equifax is incompetent to complete a Freeze request. 

Equifax refused our request for a credit freeze. We spent over an hour on the phone and on the computer, answering their questions. 

Equifax ' computer told us equifax can not help us. There was no option for a telephone conversation with someone in the US who spoke English with an American accent. We are Americans, Not XXXX XXXX. 

Then, Equifax told us to send through the US mail all of our personal infromation to get the freeze. Equifax already has our personal information and we will not expose that information to theft in the US mail. 

Equifax 's phone and website systems are inadequate to handle a basic freeze request.
Product: Payday loan, title loan, or personal loan

XXXX for Solar Panels, Dividend was and is a part of XXXX XXXX XXXX XXXX XXXX They misled their customers by performing fraudulent loans on Solar Contracts with consumers with malice intentions on consumers in GEORGIA! The solar panels never worked for us, we got them installed in 2021! Please research the company before you do business with them! XXXX XXXX XXXX XXXX XXXX have victims, XXXX these companies, you all can verify what I am saying is true! The Solar companies filed bankruptcy and we dont have no one to fix the equipment!
Product: Credit reporting or other personal consumer reports

Purchase vehicle on XX/XX/XXXX from Carplex. I put {$2000.00} dollars down on a XXXX  XXXX XXXX. My first payment was on XX/XX/XXXX. I explained I was not able to get in the portal because they had my information wrong. on XX/XX/XXXX i received a phone call stating that I had to make a payment or they were picking up the vehicle. I explained my check was mailed and have not received my paycheck. I told them i was going to try and borrow the cash but may not be able too. on XX/XX/XXXX I received my check in the mail. I did not have time to cash it and make a payment. on XX/XX/XXXX approximately XXXX they came to my place of employment and repossessed the vehicle. They stated they will close the loan and i am not able to get the car back. This car reported on my credit on XX/XX/XXXX. The account was closed on XX/XX/XXXX.
Product: Debt collection

I reported Identity theft to Bank of America commencing in XXXX. I received an award. 
However, the identity theft persisted and I reported the replacement card ( s ) to Bank of America in XXXX. I did not hear from Bank of America regarding my identity theft claim for over a year. The accounts were reported to the FTC as unauthorized accounts. The accounts were closed. Recently on XX/XX/XXXX, I received a Statement only from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX for a Bank of America card debt which is not mine. I never had an account ending in XXXX I do not have the entire account number nor have I received bills from Bank America. I sent a XXXX and XXXX XXXX Mail XXXX XXXX XXXX XXXX XXXX XXXX. USPS confirms XXXX XXXX XXXX received the Cease and Desist on XX/XX/XXXX. I stated in my Cease and Desist I never had an account with Bank of America ending in XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX of XXXX XXXX dated dated XX/XX/XXXX in violation of the Cease and Desist which threatens me with a lawsuit also a violation of credit and collections law. I wish to enforce sanctions on this scam.
Product: Credit reporting or other personal consumer reports

I was notified that my information was part of a Transunion data breach. I contacted the FTC and filed a report. According to FCRA 605b, 15 USC 1681b the inquires below needed to be deleted and blocked immediately from my consumer report. Transunion is currently violating my privacy according to the privacy act of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelle 's handling of disputes, especially in light of the recent lawsuit filed by the CFPB, which has exposed significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to properly investigate my claims. They informed me that recovering the lost funds was impossible and that tracking the transactions was not feasible. According to the CFPB 's findings, Zelle has not only failed to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about the safety of consumers.
Product: Debt collection

I'm trying to get them to remove the collections from my credit report because I don't have that account I am a victim of frod I need to see a forward flow agreement
Product: Credit reporting or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically U.S.C Subsection 1681-1 ( a ) and 15 U.S.C. Subsection 1681-B, to demand the immediate removal of the accounts listed on my credit report. These accounts were added without my express written consent, a violation of my rights as a federally protected consumer. Federal law prohibits reporting any credit information without direct authorization, and the lack of my consent renders these listings both unauthorized and potentially indicative of identity theft. I am therefore demanding the prompt deletion and permanent removal of all the referenced accounts. Additional Unauthorized Hard Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My complaint is with TCF bank. My son and I both had checking accounts with TCF. They closed them for " inactivity '' saying it was dormant.They took all the money in fees even though we were not in accounts that require minimums. I called to give them a change of address and was told it was closed. We did not use the bank because their website was so difficult to sign in and even use. Also, we could not get replacement cards even when we asked. In two you they never even replaced what would have been expired cards! Worst banking experience ever. I want our money back!
Product: Debt collection

On XX/XX/XXXX I pulled my credit file and found a negative account that was in collections listed. I immediately sent a debt validation letter to the company listed as reporting the debt ( Copy attached ) I also asked for them to send me copies of all records including the original contract with signatures, also a copy of the photo id that would of been provided when the account was originally set up. I have no recollection of ever setting this account up nor have I ever lived at the address that they have listed on the invoice copies that were sent to me in order to validate this debt was mine. 
I have attached all correspondences with the collection agency for review. As stated in all letters, I have no knowledge of this account, I don't own this account, I have never lived at the address listed on the invoices and I do not need to be harassed by the woman at the collection company, consistently insisting that this debt is mine, when she has yet to provide adequate proof to justify her claim. 
Not to mention, The statements that XXXX sent over ( collection company ) show that this debt would of defaulted in XXXX. In Florida that is past the statue of limitation
Product: Debt collection

The collection agency left 2 voicemails in one day. The first message was left at my employer on a recording and the second voicemail was left on my personal cell phone number. The first message was left XX/XX/20 between XXXX XXXX and XXXX XXXX. EST. The second voicemail was left on my personal cell phone at XXXX from a XXXX phone number. When I called in, the first representative hung up on me after I advised that I will be XXXX  the number to ensure that the company is a legitimate company. The second representative was a male that indicated that he would notate the account in regards to the conversation. A settlement was offered and after he advised about the settlement, I advised him that there were 2 violations in regards to the FDCPA and he insisted on getting me to a supervisor but was unable to do so. He advised me to hang up and call in and ask for extension XXXX because that is the extension for supervisors. I called back and asked for extension XXXX and the female that answered indicated that there is not an extension XXXX ; however, gave her name and said that she is a supervisor. I advised the situation in regards the violations and she was very defensive. All representatives indicated that the calls were recorded and that she will forward the information.
Product: Debt collection

On XX/XX/2014, this debt for {$100.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.