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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXX/XX/year> TransUnion XXXX XX/XX/year> TransUnion XXXX XXXXXX/XX/year> TransUnion According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

After submitting a complaint with the FDIC, Synchrony Bank has begun retaliating against me with my other credit cards under their umbrella. In XXXX, I submitted a complaint because Synchrony Bank arbitrarily reduced my credit limit on a store card ( Ashley Home Furnishings ). I was nowhere near my limit at the time ( my previous limit being over {$1000.00} and my balance being only {$300.00} ), I was making regular on time payments- including overpayments, and I had no derogatory issues on my credit report. The issue appears to have started when another banking institution ( I've submitted a complaint on here about them ) lured me into using their card with requirements that I charge a certain amount of money within the first 3 months in order to get their airline rewards. After I did exactly what that institution wanted me to do ( to get the airline rewards ), they immediately reduced my credit limit - which lead to the misleading idea on my credit report that I was overusing my credit card since I now was at my limit. ( I was not using my credit card to its limit. The bank dropped the limit without cause. ) After this bank did that, Synchrony followed suit on my Ashely Home Furnishing card. In each instance these banks claim that my lack of real estate is one of the major deciding factors to their decision to drop my limit... though all of them gave me those card with those limits while I had no real estate. Fed up with this game these companies play, I submitted a complaint against both companies - and now Synchrony Bank has retaliated by reducing my limit on another card under their umbrella ( an XXXX XXXX ) using the exact same pathetic language : no real estate. When will you all take action? You are meant to be a " government agency that makes sure banks, lenders, and other financial companies treat [ consumers ] fairly ''. There is no reason for the actions of both Synchrony Bank and the other institution that is targeting me. There are no derogatory actions on my credit report, I have not missed any payments, nor have I been paying late. These actions are bad for the consumer and are absolutely a bait and switch program that is only harmful to our economy.
Product: Credit card

On XX/XX/year> I sent Barclays Bank a dispute letter requesting a 1099 c to remove the charge off inaccuracy on my credit reports. 

They replied back but did not provide the IRS FORM that was requested nor did they provide proof of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute a late payment with the credit reporting agencies and have sent three letters into Sallie Mae. Sallie Mae does not respond. I have tried to call and they say I can not talk to anyone, I can only write another letter. This loan payment was never late as I was enrolled in school like my other loans Sallie Mae owned show.
Product: Credit reporting or other personal consumer reports

I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.
Product: Credit reporting or other personal consumer reports

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

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

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 seven 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED 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: Payday loan, title loan, or personal loan

Beware of World Finance Corporation XXXX, Texas : Last week, I visited this establishment and did not obtain an account with this company. 
From the beginning, as I walked into this store it was unpleasant. We waited for quite some time to speak with someone. There was a manager just sitting at an empty desk not helping any of the customers that were patiently waiting. Finally, I was called up to the desk, by the branch service representative by the name of XXXX XXXX that asked what was the reason for my visit. I explained to her that I wanted to apply for a loan in the amount of {$200.00}. She proceeded to fill out the application for me by asking me the questions that were on the application. Then afterwards she started running my credit report without informing me. So I asked her what she was doing and she said that she was running my credit report. I asked her why did n't she inform me of that and she stated that it was an implied action that your credit is run when you go to a company to apply for a loan. She stated that I was not approved for the loan. She wanted to hand me some documents that showed what she did and I did not accept anything from her. I am a homeowner and I do not appreciate someone running my credit report without informing me. I felt totally violated. The action that I am taking is submitting this complaint to the CFPB.
Product: Credit card or prepaid card

My social security number has been stolen and is circulating on the deep web. I have reached out to Synchrony Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX XXXX XXXX is now in the XXXX 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Product: Credit reporting or other personal consumer reports

Failure to Send Initial Debt Notice : XXXX XXXX XXXX has failed to send me an initial debt validation notice as required by law, and this constitutes a violation of the FDCPA.
Product: Debt collection

Company is reporting to credit agency excessively with changed balances not the standard practice for reporting debts did not even know that debt was bought by this company midland credit. As an example updates to credit report were as follows and this is just from the end of XX/XX/XXXX. 

between XXXX balance increased {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XXXX balance decreased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from {$XXXX} to {$XXXX} between XX/XX/XXXX and XX/XX/XXXX balance increased by {$XXXX} from XXXX to {$XXXX} This is a blatant attempt to ruin my credit and have dings continuously more than once in a month and none of these increases and decreases even make sense or are based on anything and is just for the sole purpose of decreasing XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting thid CFPB complaint addressed to the Credit Bureaus to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. The FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected. I need the Following accounts updated and or corrected immediately : XXXX XXXX Balance : {$3400.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$9400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

ADDRESS : XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, MI XXXX NAMES : XXXX XXXX XXXX : XXXX IXXXX
Product: Debt collection

At some time in 2019, I ordered a toolbox online. The transaction was charged to my PAYPAL CREDIT ACCOUNT # XXXX. Synchrony Bank, a debt collection company ( as stated on their communications ) is handling the issue. 
After more than 30 days time, I had still not received the ordered item but I did get a statement from PayPal Credit showing the purchase. I believe that there was a minimum payment due. I paid it. I then began in earnest to track the seller. Very long story, but hes a scammer from XXXX and is well known on the internet. I guess PayPal would have more information about him as they obviously sent him a payment. 

Subsequent investigation shows the seller may show a mailing label as proof of delivery. Representatives on the phone from the collection agency admitted to me that they are aware of fraudulent shipping label or delivery information. 

XXXX XXXX XXXX XXXX and I never received the ordered merchandise. Synchrony Bank has been asked many times to send me proof ( verified ) that I received it and Ill pay it. Not a mailing label. A commercial shipping document showing where it was shipped from and where to be delivered. Proof of delivery. If a commercial delivery was made to my address then they will have a document saying do. I never received anything. 

PayPal was aware I had not received it. I told them when I made the minimum payment. And during this entire time period Synchrony Bank has been adding late fees, adding additional interest on top of the balance every month.
Product: Credit reporting or other personal consumer reports

LCI failed to respond to my demand letter or notify the credit bureau, as explicitly requested in the attached demand letter.
Product: Credit reporting or other personal consumer reports

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified.
Product: Credit reporting or other personal consumer reports

Fix the problem and add car payments FCRA for XXXX XXXX XXXX XXXX XXXX as PAID on time. 
Send me new credit reports.
Product: Money transfer, virtual currency, or money service

I caught PayPal redhanded charging me for items yes, that I did buy. But then they charged my bank account also, a few years back. Then they wanted another credit card account number that they could charge and again, they did the same thing. I did happen to resolve this issue, even at a loss of credit/money on my part. But now I made a XX/XX/2020 payment and my account does not reflect this payment, although it can be proven by my bank account. I was just getting ready to make another payment, but not until they post a credit on my account for the month of XXXX. These people will not answer their phones, I tried messaging them on their page & XXXX. They have not responded. Just a robotic automatic response. No live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I noticed that This account from XXXX is a fraudulent account that was opened up in my name and it does not belong to me. Not only is it a Fraudulent account its reporting different dates as well as different balances across each credit bureau. 

XXXX XXXX XXXX Opened on XX/XX/2013 {$20000.00} Experian XXXX XXXX Opened on XX/XX/2013 {$20000.00} XXXX XXXX XXXX Opened on XX/XX/2013 {$14000.00} This account has been opened in my name fraudulently.
Product: Debt collection

Dynamic recovery solutions has repeatedly sent bills and invoices and has refused to send verification of debt. When informed that I know I have the right to validation they argued saying that they could not send any further information. They began offering to settle the debt for smaller amounts and still stated they couldnt send information in writing.
Product: Checking or savings account

Our bank account with Truist bank has been hacked. In the past few months Truist reimbursed us a check for {$3000.00} that the hacker XXXX XXXX Truist paid to the hacker {$7000.00} through a credit card to XXXX XXXX XXXX, then they reimbursed us., Truist bank paid the hacker {$15000.00} and {$1200.00} ( a stolen check ). 
They do not want to refund us this money. Truist bank can not pick and choose what hacking they want to refund..All this is on a business bank account under the name of XXXX XXXX XXXX XXXXXXXX. This is a lot of money for us and we can not afford to loose it..We are XXXX and XXXX XXXX XXXX and our health has been terribly affected by all this ordeal. 
Please, can you help us? Thanks
Product: Credit card or prepaid card

My spouse and I had an international trip planned in XX/XX/2022, which required using a credit card for the purchases for trip. Credit card company had locked credit cards= for suspicious activity for a {$34.00} purchase... locked both cards. However, during this time, the company also locked the accounts for new issued cards 5 times, leaving us without the use of a credit card for the trip, so we had to cancel the trip ... ..airlines, hotel, and rental car. We made several attempts on the phone, as well as 5 trips to local bank offices for resolve issues, but without any resolution even with local bank authorities, so we closed the accounts. After closing the accounts at a local branch, ( XXXX ), or at least we thought according to bank personnel, the credit card did not get closed by bank personnel. The company continued to leave the account open, generating service fees, as well as late fees. As with the credit card issues, we made countless trips to the local bank office, the account continues to be open, with delinquent fees. CC company has since turned the amount over to collections, where myself and wife get collection calls daily. Bank manager assures us the problem has been fixed, but when you check the account, the amount remains.
Product: Checking or savings account

I opened a new checking account with chase with a cashiers check from XXXX XXXX. There is an inexplicable hold on the funds till XX/XX/24 instead of the XX/XX/24 date I was given. There is still available funds in the account from a direct deposit but when I tried to use my debit card it was frozen. I have no access to my money right now.
Product: Debt collection

Midland Credit Management XXXX, contacted me claiming they were the " legal '' in a sneaky way to imply they were lawyers. They demanded personal information without verifying/validating the debt. Then they filed suit, and in accord with my the Courts wishes I filed for " alternative dispute resolution '' - despite only authorizing the mediator to speak to the attorney - the attorneys provided a number that was to their collection line- while I understand this is possibly not a violation it is at best bad faith and smacks of representing that the boiler room collection employee is a part of the " legal department. '' XXXX {$6200.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on some accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Other financial service

I do not have Bank account. Rather, I use a prepaid debit card from XXXX XXXX that allows me to deposit checks by taking a photo with my phone. Recently, I tried to deposit a {$77.00} check from the U.S. Treasury for federal jury duty via this method. It was declined, and I was instructed to call Certegy check services. I did, and they said they ca n't tell me why they issued a recommendation to decline the check. They are rude, deceitful, and refused to share any kind of information that would explain why they consider a check from the U.S. Treasury a " risk ''. 

I am unable to do anything with this check since virtually all other check cashing stores, grocery store money service counters, etc. all use Certegy to verify checks. 

With just a little internet research, you 'll see that many, many complaints about Certegy have been logged, regarding the same type of poor customer service, dishonest behavior, and arbitrary decisions to decline perfectly good checks. It seems their only purpose is to make it exceedingly difficult to just cash checks.
Product: Checking or savings account

I have been a victim of check and ATM fraud. Someone is using a fraudulent debit card to commit check and ATM fraud on my checking account. On three different occasions, someone used a debit card with my name ( counterfeit debit card ), deposited the checks into my bank account, and withdrew money from my checking account. The fraud totals to {$3000.00}. The first crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The second crime happened on XX/XX/23 @ XXXX XXXX  at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. The third crime happened on XX/XX/23 @ XXXX XXXX at a SchoolsFirst FCU ATM in XXXX, CA XXXX. Someone deposited a fake check under my name for {$1000.00} and then immediately withdrew money from my account with two separate transactions of {$500.00} each. I did not do or authorize all transactions. My debit card has always been with me, and my debit card information nor PIN has been shared with anyone. A fraud claim has been reported and opened with my bank SchoolsFirst Federal Credit Union, requesting a credit of {$3000.00} back to my checking account. The bank has a video of the person committing the crime with the fake debit card ( they have confirmed it is not me in all ATM videos, but a known scammer to SchoolsFirst Federal Credit Union ). The bank also has all the names of the person names ( payers on the checks ) on the fraudulent checks used. I filed a police report with the XXXX XXXX Police Department for Check & ATM fraud, identity theft, and forgery ( case # XXXX ). The bank is still holding me liable for the fraudulent {$3000.00} transactions done without my authorization and knowledge on my checking account.