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

XXXX XXXX XXXX {$2200.00} There is no contracts, no valid claims ... account was settled original creditor and has been confirmed, grave errorsfalse claims and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft due to a data breach, and fraudulent accounts and unauthorized inquiries have been reported on my credit file. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and permanent deletion of the following fraudulent accounts and inquiries from my credit report. 
XXXX Accounts XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$650.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$2000.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$720.00} XXXX. XXXX XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$160.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$19000.00} XXXX. XXXX  XXXX - Account # XXXX - Opened : XX/XX/XXXX - Balance : {$880.00} Unauthorized Inquiries XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Well someone stole my card and was taking money out at a atm because I had my pin # on the back of the card so I reported my card stolen and tried to dispute the transactions so they gave me my money back but then shut down my account with them and that messed up my credit
Product: Mortgage

Hello, I am in the process of purchasing an inventory new home from XXXX XXXX XXXX in the XXXX, TX area. The XXXX website advertised a promotion offering {$25000.00} XXXX XXXX that could be used at my discretion however only with the XXXX preferred lender- XXXX XXXX. The same promotional advertisement also provided summary level details of a mortgage " buy down '' scenario where your first year interest rate would be XXXX XXXX below market, year XXXX XXXX XXXX below market then lock in at a fixed rate. 

Overall, the promotional offers seemed fair on the surface so I decided to move forward in the transaction. However, issues have now surfaced that are causing me conceXXXX XXXX XXXX XXXX XXXX XXXXte shopped purchasing points with one competing lender and found I could save {$4000.00} at closing. I suspect if I rate shopped more the savings could be higher, however, I am trapped with the preferred lender thus paying a higher rate. 

XXXX ) When I selected the home I was interested in, I was advised it would be completed in mid to late XXXX. On the morning I was to sign the purchase agreement the completion date shifted to " possibly into XXXX ''. Prior to signing I responded back to the Sales rep that impacts would need to be considered specifically the lock period. The Sales rep stated she would email the lender. It appears that communication never took place as I was never provided an answer. I assumed no impact. XXXX XXXX is now pressuring me to purchase a loan at a higher rate to extend the lock period which I don't agree with since I have no control at all over the rate of construction and simply in this economic environment can't spend another {$200.00} a month on the payment. 

XXXX ) Today I find out through research that the home builder XXXX and XXXX XXXX ( the lender ) appear to be the same company. This was never disclosed during the phase where I decided to use the XXXX preferred lender. I am concerned that XXXX and XXXX XXXX financially benefit from a delayed closing and are pushing me to purchase a longer rate lock and a more expensive mortgage. I am also unhappy that their preferred lender is not provided the most competitive rates. 

I expressed my concerns on a virtual meeting with my direct sales rep and her manager on Monday XX/XX/XXXX. My XXXX money of {$32000.00} was threatened when I stated that the financing piece of the transaction did not seem equitable.
Product: Credit card or prepaid card

Hi, I would like to file a complaint in hopes of rectifying a situation I have with Synchrony Bank. I have made several attempts to clear this matter up with the bank before contacting your agency. 

On XX/XX/2022, XXXX XXXX  I opened a XXXX account to purchase an automotive fuel injection kit. 
I also have XXXX XXXX  account with Synchrony Bank. These XXXX accounts are being confused. 

The issue arose when someone at the bank charged my purchase from XXXX XXXX to my XXXX XXXX account. I asked for a correction of this situation as soon as I discovered the situation. I was told it would be corrected several times but that has not happened. 

Someone made a mistake in posting this transaction to the wrong account and I am having to go through this process to correct the matter. 

The item I purchased should be charged to account XXXX XXXX XXXX. This would make this situation correct. I clearly opened the account for this purchase. 

I am also being interest at the wrong rate because the balance that has occurred because of this error. 

The invoice I included clearly states the item was purchased to the XXXX XXXX XXXX XXXX. Its toward the bottom of the invoice on the left side. 

I truly hope you can help me with this matter. I have enclosed a copy of the invoice. If you towards the bottom it clearly states the charge was made to XXXX. That did not happen and I need your help. 

Respectfully
Product: Credit card

On XX/XX/XXXX I had 5 transactions on my Apple Card ( Goldman Sachs ) from monopoly go, I do not and have never had this app. The charges totaled over {$600.00} and happened within a minute from each other so I disputed them with Apple. Apple denied me twice which makes their decision permanent. I spoke with a supervisor on XX/XX/XXXX who helped me learn I had over {$4200.00} in transactions from monopoly go since XX/XX/XXXX. I opened a dispute with Goldman Sachs directly for all charges. I started to collect evidence trying to figure out how someone would have access to my Apple Card in my XXXXXXXX XXXX I checked XXXX and learned 2 devices I didnt recognize were logged in to my XXXX XXXX. I learned my XXXX was hacked which was linked to XXXX XXXX, again I have NEVER had this app on my device! I thought back to doing my taxes and signing up with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and contacted them to see if I had any fraudulent activity and learned from them to download an app called XXXX to receive notifications. I had several stating my information was hacked from a site called, XXXX last year. ALL my personal info was listed on the dark web, addresses, emails, passwords, social security number, birthday, everything! And in XXXX of XXXX my information was purchased off the dark web! Thats how someone has hacked all my accounts! They have used my Apple Card on XXXX XXXX  my XXXX XXXX  card at XXXX XXXX XXXX XXXX my credit info to obtain credit cards and my XXXX! All of which is linked to my XXXXXXXX XXXX  and passwords saved through my XXXXXXXX XXXX  I provided all this evidence to Goldman Sachs and Apple for the {$4200.00} dispute on charges for XXXX XXXX I have locked my credit through the 3 credit bureaus, I have changed my Apple Card number, created a new email and password for XXXX and my XXXXXXXX XXXX Ive done everything I can to prevent any more fraud and identity theft! But Im having trouble getting Goldman Sachs to approve my disputes for the XXXX XXXX charges, which to mean seem like obvious fraud. I really need some support and help here. I can provide you all evidence too! Even an appointment to file a police report I am waiting to be able to get a copy. A supervisor has to sign off on it before I can get a copy. Please help me if at all possible! If you need any more information please let me know! I am attaching a few files but can provide more if you need it! I have changed the Apple Card number in the digital wallet so the number I provide you will not match the transactions. I can not access the original card number. But I can provide you my other information to access my accounts. Just email me or call for that info since you stated not to put personal info in here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Mid-Alantic Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX Co Account XXXX XXXX has violated my rights. 
15 U.S.C. 1681 Section 604 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 m. y instructions.
Product: Credit card or prepaid card

Fraudulent account was opened under my name, bank still has not closed account. SYNCB/Amazon. account opened XX/XX/22 fraudulently, credit frozen immediately by myself, notified bank same-day, have not received any followup from bank, refused to provide claim number or send followup paperwork. continued to mail card to house.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent out a letter to all three bureaus asking them to provide the method they used to retrieve their information. They responded that they receive their information from XXXX XXXX and bankruptcy court in XXXX, MT. XX/XX/2022 I sent another letter to all three bureaus disputing the information and that they were violating my rights. The information came back as verified by all three bureaus. My information was frozen with XXXX XXXX as of XX/XX/2022 and my bankruptcy was deleted with them XX/XX/2022. I was sent a print off from the bankruptcy court website by the clerk of court, proving they did not provide these companies with my information. This notice of complaint will also be sent my attorney general.
Product: Debt collection

I am a person with a XXXX, and I am invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ) to protect myself from harassment and discrimination from a company named XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. 
XXXX XXXX XXXX XXXX and their attorneys Moody , Jones & Ingino , P.A. hire people to follow me around and constantly call, mail etc. illegally trying to get information from me, a XXXX person, attorneys consistently have XXXX  me for the past eight years on a CLOSED collection case in XXXX XXXX XXXX and mail me letters threatening to garnish my wages for a car loan from ten years ago that they repossessed after I didnt make three payments on the car loan. XXXX XXXX XXXX XXXX and Moody , Jones & Ingino , P.A. law offices incorrectly and illegally claim I owe over {$17000.00}??? I feel so discriminated against. 
I submitted a Cease and Desist letter to the courts Under the FDCPA, all their attorneys are required to cease all communication with me regarding this expired debt including but not limited to mailing me harassing letters and phone calls. They Continue contact, particularly in the form of harassment, and it is a violation of federal law. I am reporting them to the Consumer Financial Protection Bureau ( CFPB ) and my states attorney generals office. 

Assertion of Rights Against Garnishment Additionally, I am aware of my rights under state and federal law that protect me against the garnishment of my wages, money, or other property, especially given my status as a XXXX individual. The garnishment of XXXX benefits is generally prohibited under the Social Security Act and other relevant legislation. 

Moreover, my financial situation, including my XXXX status, makes me eligible for an exemption from wage garnishment. I request that you immediately cease any attempts to garnish my wages or seize any property, as doing so would violate my legal rights.
Product: Debt collection

Portfolio Recovery associates has repeatedly robocalled called my cell phone number daily for the past 3 weeks or more. They are trying to reach another person who I am not and have no association with.
Product: Credit card or prepaid card

Chime bank has suspended my account. I have spent 2 weeks sending them every documentation they asked for. And I get no reply at all.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a ring for {$1600.00}. Later that day we found out it was a fake ring. I immediately reached out to USAA to see how I should proceed. They informed they would stop the payment to the merchant. Instead they preauthorized the charge to make sure it had no issue going through. 

I then file a dispute after the charge clears, do not hear back for a month, then get a laundry list of demands from USAA, including an appraisal. Which turns out to be an extremely difficult thing to get in rural NC. They then close the dispute 9 days later saying I took too long. 

I reach out again, they claim to reopen the dispute, we get all items submitted other than the appraisal. I later find out, all items were just added to the notes, was never submitted as documents, and the dispute was never reopened. 

At this point we have paid for an appraisal, submitted it, and USAA will not reach back out, or tell me anything of whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted transunion multiple times on XX/XX/XXXX. I advised them that I have unauthorized inquiries on my credit report. 

Unauthorized inquiries below XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX I didnt authorize any of the above inquiries and I have made every attempt to have these legally disputed. The Transunion representatives have all said that they will not file my dispute. They have also told me that they require me to call the above companies, and have them provide me with a letter to be removed from my credit report. 

I made a few attempts to request these letters and I was told by XXXX XXXX  and XXXXXXXX XXXX that transunion is the agency that needs to contact them. 

Ive spent many hours attempting to correct this problem with my credit report and transunion wont comply with the the law and wont research and contact the companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple letters to the Credit Bureau but havent received any response from them. The negative accounts are persistently reporting on my Credit Report, which causes negative outcome to my credit. I would like to request for an immediate steps for the removal of the accounts reporting on my credit report in violation of Federal Law. This information seems to be misleading. 
Charge-off : XXXX XXXXXXXX XXXX Balance : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2500.00} XXXX XXXX  XXXX****Balance : {$1200.00} XXXX XXXXBalance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$15000.00} XXXX XXXX  XXXX XXXX Balance {$360.00} Collection : XXXX XXXXBalance : {$0.0XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX Balance : {$340.00} XXXX XXXX XXXX  XXXX Balance : {$230.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks
Product: Debt collection

Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from XXXX credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XXXX XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.
Product: Credit card or prepaid card

Hello, I signed up for a Delta Skymiles American Express Card on XX/XX/19. The signup bonus offer stated that I would receive XXXX Delta Skymiles after spending XXXX USD within the first three of the account opening date. 
I completed the required spending threshold by XX/XX/19, and I have yet to receive the promised XXXX Skymiles. 
I called the number on the back of my card ( American Express Customer Service ) on XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, and multiple times today XX/XX/19. The various representatives and supervisors kept telling me to either wait 6 to 8 weeks after the spend threshold has been reached to have that bonus posted to my account, per the terms and conditions of the signup bonus offer. Those 8 weeks have gone by, and American Express still hasn't resolved my issue. 
I'd be happy to provide detailed notes of all my interactions with Amex for each of the dates noted above.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATEXXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this matter solved for months and almost two years since I got the car. The car loan is not showing up on my credit reports and on the website of the car loan company states they report the information every 30 days. 

I have sent multiple letters to the company XXXX XXXX and even contacted credit bureaus and dispute to have my account included in the reports. No answer has been provided to me and every time a dispute closes no changes are made in my reports and the account never shows. 

I have tried to resolve this matter with Contact Information Address : XXXX XXXX XXXX XXXX TX XXXX Phone : XXXX EMail : XXXX Text : XXXX Fax : XXXX Business Hours Monday thru Friday XXXX to XXXX CST Saturday XXXX to XXXX CST and no answer. I will no longer pay for a car that is not helping me build my credit and maybe will never get a clear title off this company due to this mess. 

Please I will await your answer within 30 days Thank you for your attention in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries on my credit report that I believe are fraudulent. These inquiries do not belong to me, and I did not authorize them. 

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 I believe these inquiries were made as a result of identity theft or fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information on my credit report. I request that you investigate these inquiries and remove them from my report if they are found to be unauthorized.
Product: Mortgage

After purchasing a home Through the loan office of Atlantic Union Bank The XXXX. loan XXXX And The Insurance company has found that Atlantic Union Bank Faulsified the Inspection report in order to Finalize the XXXX. loan Requirements. I'm a XXXX XXXX  veteran who Purchased the home from XXXX via Remote Signatures, and Paid Representatives From Atlantic Union Bank XXXX 
They Faulsified The Home Inspection and The Condition of the home to the Degree that The Roof Leaks.. and our Insurance Company will NO LONGER INSURE US. And Because they Lied about not only the condition of the Roof but The Age of it as well.. It can not be Insured ... by another company.. until a New Roof is installed. My Question as well as the XXXX. 's is.. Why do I need to Borrow More Money to Fix a Home I Haven't Even Made The FIRST mortgage Payment On?? 
XXXX XXXX has uncovered FRAUD as Well As The XXXX. 
I need Help!