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

Moreover, your compliance with the XXXX XXXX format and FCRA guidelines appears to be nothing more than an empty promise. My rights to have my credit report reflect nothing but accuracy have been recklessly disregarded. I am protected by 15 U.S.C. 1681, and yet, this safeguard has crumbled under the weight of your errors.

Let me be clear : I am demanding an immediate and thorough investigation into these accounts. Correct the inaccuracies on my credit report, remove the false information, and provide me with written confirmation that you have done so. I will accept no less than full compliance with the law, and I remind you that the FCRA mandates a timely resolution. Should you fail to uphold your responsibilities, I will not hesitate to pursue legal action, including filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). Your disregard for the truth has left a stain upon my financial identity, but rest assured, I will not allow this injustice to stand. I will not be silent in the face of this violation. You have 15 days from the date of this letter to correct these wrongs and restore my rightful credit standing. 
I look forward to your swift and just resolution of this matter. 
Also any address that is not XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  remove it for the address i provided is the only place I have lived within the last XXXX years remove the INQUIRES THAT WILL BE ATTACHED TO FTC REPORT BELOW
Product: Credit reporting or other personal consumer reports

Recently checked credit report and found billing mistakes; late payments dont match typical on-time record. Request immediate correction and update.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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: Checking or savings account

On XX/XX/XXXX I noticed XXXX fraudulent charges in my chase.com account. I immediately called chase and reported the crime. I explained the charges were from belk.com which I had never heard of. The representative cancelled the card that had been stolen and a credit of {$230.00} was added to my account. I also reported the case of identity theft to XXXX. However, the following day, XX/XX/XXXX, the chase refund was reversed and the fraudulent charges remained. I again contacted chase and was told that chase must allow the amounts to essentially be stolen from my account before they would stop the charges. Which made no sense. In the meantime, despite immediately reporting the fraud, my husband and I would not have access to our money. My husband and I have both spoken with chase and the matter has been escalated but we can not get our funds back. That is preventing us from money we could be using for the things we need or would like to purchase. Chase could not explain why they would allow the money to be stolen opposed to simply stopping the fraudulent charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Acct. name - XXXX XXXX XXXX, acct. # XXXX - acct. type - open date XX/XX/2019, amount XXXX In accordance with the fair credit reporting act. account number XXXX has violated my rights. 

15 U.S.C. 1681 SECTION 602 A. I HAVE THE RIGHT TO PRIVACY.

15 U.S.C.1681 SECTION 604 A SECTION 2 : it also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A MONTH. I HARDLY CHECK MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE REMOVED/BLOCKED WITHIN THE NEXT 4 DAYS. 


FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX FRAUDULENT ADDRESSES : XXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXXXXXX CA XXXX FRAUDULENT NAMES : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I made payments to bank because I was closing my account and moving out of the country on XX/XX/XXXX I went to the bank to pay any outstanding debt because I was Closing my account before I left, the account manager called the XXXX credit card department she gave me the phone the lady ask to confirm that I was closing the account I said yes, I asked do I owe anything else she replied no. 
So I think everything is fine so I left the country, a couple of months later I get notification on my phone saying I owe money I thought it was a scam so I didn't log on and i deleted it. 
On the phone app I can see my accounts that are open they don't show a closed account so I have no idea that I owe money on a CLOSED account.MY wife had returned to the states so I had her check at the bank to see what was going on they said yes that I owed {$260.00} dollars didn't seem right but I told her to pay it thinking problem solve but no they didn't tell her that the total amount was {$380.00} so I got more dings on my credit report when I returned to the states and spoke with branch manager she said nothing they can do and that they would return all the fees and interest charges which doesn't help my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EXPERIAN BROKE THE LAW PURSUANT 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE THESE 3 AGENCIES WRITTEN CONSENT TO REPORT ANYTHING ON MY CONSUMER REPORT. AS OF XXXX THERE ARE SEVERAL NEGATIVE TRADELINES THAT I DID NOT GIVE MY WRITTEN CONSENT TO HAVE PUBLISHED ON MY CONSUMER REPORT. PURSUANT TO 15 USC 1681 ( a ) ( 1 ) THE BANKING SYSTEM IS DEPENDED UPON FAIR AND ACCURATE CONSUMER REPORTS. BY ALLOWING XXXX, XXXX AND EXPERIAN TO CONTINUE TO REPORT THESE INACCURACIES HAS CAUSE ME TO LOSE CONFIDENCE IN THE BANKING SYSTEM. AS THE CONSUMER, CREDITOR AND NATURAL PERSON ANY NEGATIVE TRADELINES OR NEGATIVE REPORTING ON MY CONSUMER REPORT WILL CONTINUE TO CAUSE UNJUST FINANCIAL HARM AND DEVESTATION TO MY GIVEN BIRTH RIGHT AFFORDED TO ME BY THE ONE TRUE MOST HIGH GOD.
Product: Mortgage

SELECT PORTFOLIO SERVICING IS STRESSING ME TO THE THE POINT OF XXXX WITH THEIR ILLEGAL ACTIVITIES. I AM AT THE END OF MY ROPE. 
i am almost XXXX years old and in XXXX XXXX. I own investment properties in low income areas in XXXX and XXXX, Florida and provide housing to mainly XXXX and XXXX families who have lived in my affordable rent housing for years. 
SPS IS FORCING ME INTO FORECLOSURE AND BANKRUPCY. THEY ARE ENSURING THAT MY TENANTS WILL BE LIVING ON THE STREETS ALONG WITH ME AND MY FAMILY. 

THEY ARE NOW FORECLOSING ON XXXX XXXX BACKED LOANS WHICH WERE IN FORBEARANCE DUE TO THE COVID-19 MORATORIUMS AND LOSS OF INCOME DUE TO COVID. 

THEY HAVE INCREASED MY MONTHLY MORTGAGE PAYMENTS ON ONE LOAN FROM {$1300.00} TO {$2700.00}. THEY LIED THAT I WITHDREW MY REQUEST FOR MORTGAGE ASSISTANCE ON THIS LOAN. SPS HAVE SERVED ME WITH A FORECLOSURE NOTICE. 
NONE OF THESE ACTIONS ARE ALLOWED BY XXXX XXXX UNDER THEIR PUBLISHED GUIDELINES. 

I fell behind in my mortgage payments on 8 loans serviced by SPS - Select Portfolio Servicing , Inc. 4 of these loans are XXXX XXXX backed loans. I am current with 3 of these loans and in forbearance with 5 ( 3 are XXXX backed loans ). 
SPS IS ONLY OFFERING ME REPAYMENT PLANS ON ALL LOANS WHICH WILL RESULT IN MY PAYMENTS ON EACH LOAN BEING MORE THAN DOUBLED. 

I NEED HELP QUICKLY. MY XXXX XXXX IS NOW XXXX UP FROM A NORM OF XXXX. I CANT CONTINUE ANY LONGER. ITS XXXXXXXX XXXX  AND THIS IS MY LIFE. NO SLEEP. I WILL HAVE A XXXXXXXX XXXXXXXX SOON. 
.
Product: Debt collection

This account has been settled and paid in full. This debt was paid in full on XX/XX/2018. This account was opened and closed within 15 business days due to the service not working. I have attached a conversation with the store managers regarding this account. I have reached out to this company once they received the account that it has been paid in full and supplied all the information the company has failed to remove this debit which is causing a negative impact on my credit. I would NEVER go to XXXX for service they will rip you off and lie to you. They add additional fees into your contract and change prices every month on your bill. XXXX IS A SCAM!
Product: Money transfer, virtual currency, or money service

It started with a solicitation through discord that BTC was available through redemption Then I was informed that I would need to activate the account, then activate a separate cryptocurrency account, pay an unknown federal tax, then deposit additional funds to pay another exit tax The dates are below XXXX First send of XXXX BTC XXXX " Premium '' Account Activation fee of XXXX sent XXXX First attempt to pay " Federal Tax '' of XXXX sent XXXX Second Attempt " Federal Tax '' amount XXXX sent XXXX Third Attempt XXXX XXXX Fourth Attempt XXXX XXXX The freeze is allegedly lifted with a payment of XXXX XXXX First attempt to pay exit fee XXXX BTC XXXX Final attempt to pay exit fee XXXXBTC I am then informed that there needs to be another deposit made on XX/XX/2020 Complaint is subsequently filed
Product: Credit card or prepaid card

XXXX XXXX XXXX credit card you have to make the payment before XXXX XXXX they doing that to charge late payment on top of that after you have you balances in XXXX they still charging you with interest no matter if your balance it XXXX they charge interest. I have proof they abuse let me know thanks email me with details please XXXX XXXX
Product: Debt collection

This phone number is called at least 5 times a day. Today XX/XX/19, there have been 8 phone calls before XXXX.
Product: Debt collection

I reviewed my recent credit report and noticed a collection from IC Systems for a Debt with XXXX XXXXXXXX XXXX  XXXX. I was told that this was a joint account. I have never had a joint account for XXXX XXXX XXXX. I have never signed a contract or authorized a joint account. IC Systems has also never called me, the failed to send me any communications or validation notice. I only found out about this debt when it showed up on my credit report. This account is also for an address that is not mine. I have called both XXXX and XXXX requesting that they validate this collection. They have not sent me confirmation that the debt was mine. 

Date : XX/XX/23 Amount : {$820.00}
Product: Credit card or prepaid card

Today I received an email from Synchrony stating that my application was denied due to the a credit freeze on my XXXX account. I confirmed that my credit report was unfrozen before I applied for a credit card with Care Credit, in which Synchrony is the finance company. I then called XXXX and they also confirmed that my credit report wasn't locked or from. The representative advised that I call Synchrony back and tell them to reach out to XXXX XXXX Department of XXXX. I also tried to apply again per letter and I keep getting an error. 

I hung up and called Synchrony back and spoke to XXXX, I asked her to connect me to a supervisor. She asked me for some information to verify me. I advised to her that I applied for a Care Credit card on XX/XX/22 and called in and was told I was declined. I advised that I inquired why and was told that they pulled my XXXX report and I was declined. 

Here 's where the disbelief comes into place. I don't have any inquiries from this company on top of I have a XXXX credit score with XXXX with no delinquencies and the last time I applied for credit was last year XXXX. So XXXX stated that they were able to pull my credit report and I stated well this letter came today and stated otherwise. She stated that I'll be receiving another letter. Again I don't believe it because I have no inquiry from this company and XXXX also stated that they never pulled my credit report. 

Please look at the attached proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT BELONG TO ME SOMEONE USE MY SOCIAL AND PHOTO ID TO USE MY IDENTITY ALSO THESE FRAUDULENT INQUIRES 1.XXXX  2.XXXX 3.XXXX XXXX 4.XXXX  XXXX 5.XXXX XXXX I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I checked my personal credit report, which I acquired from your organization, and I noticed that this unauthorized inquiry had been made ( please see attachment )
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I contacted Lightstream.com about making a principal payment on my loan. Unlike other banks that allow clients to pay down the principal balance, Lightstream does not offer this option. They only permit advance payments, which seems to be a way for them to collect more interest from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is pertaining to a bankruptcy that I filed in XX/XX/2018 and the case was closed without a discharge but XXXX continues to report inaccurately because they say their third party agency LCI CONSUMER CENTER is providing this information so I filed a dispute with LCI through email as I was advised they sent me an email stating that it was in fact inaccurate information but nothing was done or fixed in regards to this I will be attaching court documents to verify my accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022, I received a Experian credit report and noticed XXXX is not reporting an accurate open line of credit. Instead on showing the credit and payment history XXXX and or Experian has listed the account as no status effectively impacting my debt to credit ratio and credit score according to the report XXXX is not reporting this information. I believe this technique of ExperianXXXX conveniently not reporting the line of credit is targeting Americans of XXXX descent and designed to lower credit scores and block the consumers purchase finance abilities. I want the CFPB to investigate this practice and find out how many Americans of XXXX descent are impacted by Experian/XXXX refusal to report open lines of credit with timely payment histories and fine all parties involved in this deceptive business practice.
Product: Checking or savings account

I read from a blogger, US bank offering a XXXX $ cash bonus when you opened a new account and do direct deposit from government agency for XXXX dollars within 90 days, then you can get XXXX $ cash bonus. 
I opened the account over the phone with a bank customer service representative, I completely XXXX direct deposit requirement. I was told bonus will be credit to my account XXXX after I deposit the qualifying fund. I never received the cash bonus, I emailed their XXXX office on XX/XX/XXXX, I got a piece of mail XX/XX/XXXX, stating I am not qualified due to the direct deposit was not from government agency. I called the CEO office, was told they need another XXXX to investigate. I spoke to a representative from the Presidents office, now I was told, because I previously had a account with US bank, therefore I was not qualified, so in my opinion, US bank just has no intention to up keep the bonus, playing games, just want to find reason to deny customer. I told the representative from the XXXX office, the agent opened the account for me did not said that having a previous account would disqualify the bonus. 
He said it is the consumers responsibility to find out, now I found out, after I meet my requirements. It is not right, US bank need to deposit the XXXX $ cash bonus to my account. Please right the wrong. 

Thank you
Product: Vehicle loan or lease

In XXXX of 2021 I was received a delinquent notice on my account. Though I paid for the month of XXXX the company still reported to the credit bureaus that I did not make my payment in time.
Product: Credit reporting or other personal consumer reports

I need your help to address the incorrect account that is appearing on my credit report. This issue has affected my reputation as a customer, and I am asking for your support. Please remove these accounts as they have been inaccurately and negatively reported.
Product: Credit reporting or other personal consumer reports

This account has caused me so much stress and I have now come to a point where I filed an FTC report regarding this. It is so frustrating to constantly reach out to your company and ask you to investigate this account, but still no action has been taken thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Per the Fair Credit Reporting Act, Section 611 ( a ), any information that is inaccurate, incomplete or can not be verified must promptly be deleted within 30 days of your receipt of this dispute. I look forward to receiving an updated copy of my credit report reflecting the above corrections.
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. Transunion is 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 XXXXXXXX XXXX Balance : {$220000.00}, XXXX XXXX Date Opened:XXXX XXXXXXXX XXXX {>= $1,000,000}, XXXX XXXX XXXX Date Opened : XX/XX/2022 Balance : {$47000.00}
Product: Checking or savings account

I, XXXX XXXX, have been a victim of fraud and theft which lead to unauthorized charges on my Albert bank card ending in XXXX. On Friday, XX/XX/XXXX. I reported the crime to XXXX PD, the unauthorized/ fraudulent Albert card transactions were investigated and deemed as felony theft and fraud crimes. 

On Friday, XX/XX/XXXX, I provided the XXXX Police Departments case # XXXX, to Albert for supportive evidence of the fraudulent charges. 

I repeatedly request for Albert to act on the fraudulent charges and have not received adequate consumer support. 

I have repeatedly requested for their response via email 6 times without any response. 

Via text, Albert continues to only text communicate with me, avoiding addressing the fraudulent charges solution. 

I have approximately {$500.00} in fraudulent unauthorized charges on my Albert card that I am requesting for Albert to address immediately. 

Per XXXX PD, no one from Albert had yet reached out to confirm this case and fraud / theft crime. 

I stated that I am requesting immediate attention to this matter due to immediate financial obligations as this fraud occurred on my pay day I also informed Albert that I will also be pursuing legal action for Albert to address this fraud that has left me robbed with damages for approximately {$500.00} as they continue to neglect clear communication with their process in which they intend to carry out
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXXXXXX XXXX And inquires XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX FI
Product: Debt collection

X/XX/17 {$600.00} Company never contacted me about a debt. Placed on credit report, no contract with this company.
Product: Credit reporting

I sent a letter to TransUnion requesting that they delete the duplicate inquiries on my credit report. I explained that under the provisions of the fair Credit Reporting Act 15 USC Section 1681i they must reinvestigate and delete the disputed Items. The told me that I have to contact the creditors that made the inquiry and have them write a letter of deletion. I went to the creditors and they explain to me because I am not a customer of theirs that they will not write the letter. I explain this to TransUnion and also mentioned again the Fair Credit Reporting Act and they told me that they would not delete the duplicate items. So now I am bringing the complaint to the CFPB.
Product: Debt collection

On XXXX XXXX XXXX I received a notification from XXXX XXXX stating that I had XXXX new collections reporting on my credit report from XXXX XXXX XXXX XXXX stating they were all opened in XXXX XXXX. I have no knowledge of this debt nor have I ever received any written notification, phone calls, or proof of the alleged debt.
Product: Credit card or prepaid card

Amazon Prime Store Card with Synchrony Bank, uses predatory tactics to charge high interest charges. When purchases are made to the account under a promotional incentives the purchase price is added to the monthly balance When merchandise is purchased under promotional offers such as no interest for 6 months, that total is divided up and added into your monthly payment. When payments are made to the account the promotional portion of the payment is not applied to the account. Each month I make payments above the minimum payment and I have to call Amazon Prime Store Card to have my additional payments applied to the promotional charge otherwise my payments are not allocated correctly. Recently I received my monthly statement and noticed a interest fee of {$120.00}, my usual interest fee is between $ XXXX {$40.00}. I called Amazon Prime Card with Synchrony Bank and was advised that it was because I did not pay my promotional offer in full before it expired and now it was being added to my payment. I told the representative that I've been making above minimum payments each month and the additional payment should have been applied directly to the promotional offers. After reviewing my latest statement I request all my past statements since 2019 to see how often this had happened. I have also had several issues with returned credits to my account. I mail items back and receive a refund immediately then 2-6 months later I am recharged for the item, Amazon representatives advise me its because the return was never received but the tracking reflects it was sent back. After doing some research I discovered that returns are sent to warehouses where the merchandise sits for months on end and isn't processed. If the ware house doesn't process the returned item then the customer is automatically recharged. I now have to review my past statements for recharges and missing promotional payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple disputes for error on Bankruptcy date. Multiple requests under the Fair Credit Reporting Act for a copy of the document they are using which have been ignored. I believe I have a right to the proof of the reported information other than an electronic verification. I clearly requested this and Experian refuses to provide the proof.