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

I did not authorized an inquiry from Syncb/Amazon XXXX  id theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding misleading/inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response as of yet. I feel like I am just a number instead of a real person. I feel like I'm being taken advantage of and being ignored of my disputes. As mentioned to each company my information was compromised in the Equifax data breach. At this point more than ever I believe my information may have got into the wrong hands. Your assistance is greatly appreciated.
Product: Consumer Loan

My dealer made me purchase their extended warrant and GAP insurance. I do not need or want it.
Product: Credit card

I recently applied for credit less than 30 days from the date of this communication. I was denied. This denial is discrimination. Regardless of the reason for denial, I have the right to access credit, especially my credit. It is especially disturbing if my application is being used as a security for your company 's benefit and not mine. Withholding access to my securities is security fraud. You are violating the Equal Credit Opportunity Act & Consumer Protection Act. Since you are denying me my credit please retract my application or reconsider this denial and make available my credit.
Product: Checking or savings account

I got an email yesterday my bank account went - {$20.00} for bank fee and I barely use Citi bank
Product: Payday loan

Hello. I missed a payment with a company called SpeedyCash. I called them, apologized, and promised that I would pay them on my next payday. I asked them to stop calling me. In spite of my contacting them in good faith and my promise to pay, they have continued to call me even though I officially asked them to stop. I have written them a Cease and Desist request as well. -- -
Product: Checking or savings account

Citibank made a serious mistake on my 1099-INT tax form this year. This issue was escalated to Citibank Executive Response Unit over a month ago and it was assigned to their representative XXXX. 

Although I received the corrected 1099 tax form from Citibank by mail now, the electronic tax form in my Citibank online account is still the wrong one. I communicated this issue with XXXX many times so far, but it still has not been resolved yet. 

I request Citibank to correct the wrong 1099 tax form in my Citibank online account immediately without any further delay, because I need to file my tax return to IRS now. 

Also I request CFPB to penalize Citibank for such serious banking errors per federal regulations!
Product: Credit reporting or other personal consumer reports

The company Is reporting pass due payments when I have always made onetime payments as agreed.

Latest report is that account is 60 plus days pass due when payment was just processed this pass month along with the last.

When I call no one can explain why there is negative reporting, the account is reporting open ( when I requested in writing that it was closed and that no payment has been received.

This is false reporting.

Please delete this information from my account
Product: Debt collection

Synchrony Bank sent an outstanding credit card balance ( from a fraudulent credit card ) to XXXX XXXX XXXX. This collections agency then contacted a lawyer ( XXXX XXXX XXXX XXXX XXXX ) who forced me to pay {$1800.00} to settle this [ fraudulent account ] or take me to court. I never received any communications from Synchrony Bank or XXXX XXXX XXXX ( as they were sending me letters to an old address from where I moved out 8 years prior ). The first person to contact me at my current address was the lawyer, who was sending me the lawsuit notification. Thus, I was not notified properly regarding this debt collection. So, after I paid to settle the case ( the other option was going to court ), I then received a letter 2 weeks later from Synchrony Bank dated XX/XX/2023 stating that I was correct and the credit card was indeed fraudulent. I tried to contact the bank and XXXX XXXX XXXX and the lawyer to get my money back however all they keep telling me is that they will investigate and will get back to me in a week. Over 6 weeks have passed and I have contacted them again and they still say they will investigate. 

In brief, Synchrony Bank and XXXX XXXX XXXX failed to conduct reasonable investigations of disputed debts and failed to inform consumer reporting companies that information was being disputed, AND they continued to attempt to collect disputed debts without substantiating documentation and without properly notifying me prior to a lawsuit being sent to my [ correct ] address. 
The first action violated the Fair Credit Reporting Act and the second violated the Fair Debt Collection Practices Act. 

Please note I submitted 2 other complaints regarding this matter which were already closed. However, I now have proof from Synchrony Bank that this was indeed fraudulent and not opened by me. 

I also spoke with XXXX at CFPB on the phone regarding the update on this case. I will attach the latest letter from Synchrony bank stating that this was indeed a fraudulent account that was NOT opened by me. Thank you
Product: Prepaid card

I purchased a gift card on XX/XX/year> for {$500.00}. I have not been able to use the card and each time I call customer service they tell me to call back in XXXX hours. This is a none thing being done by this company because I have purchased a few, and my coworkers purchased them, and they give the same issue and response.
Product: Money transfer, virtual currency, or money service

I've initiated Transfer Requests from the Blockfi Wallet  ( " Checking account '', so to speak ) on the XXXX of XXXX at XXXX XXXX, for the amount of XXXX XXXX, XXXX XXXX XXXX, for the amount of XXXX XXXX  and at XXXX XXXX  XXXX XXXX. All of the above sums represent the present values on the account and the completion of the transfer would also mean a transfer fee for each transfer would apply. The Destination of the transfer is towards equivalent denomination in XXXX equivalent account and the Pending Transfer Request marked with the Date of delivery : XXXX of XXXX. 

These were initiated whilst the platform was still operating as normal, at the cusp of the XXXX scandal coming into play. 

It would take a few more days until there would be communication on the platform that operations are paused from Blockfi 's point of view. 

It appears all transfers are blocked, per the following 5. of terms of service, with : " 5. BlockFi and our third-party partners may experience cyber-attacks, extreme market conditions, or other operational or technical difficulties which could result in the immediate halt of transfers and withdrawals of cryptocurrency either temporarily or permanently. BlockFi is not and will not be responsible or liable for any loss or damage of any sort incurred by you as a result of such cyber-attacks, operational or technical difficulties or suspensions of transfers or withdrawals. '' This is extremely misleading. Also it appears that there is a looming XXXX  XXXX for this company ( potentially ). 

From the point of view of the withdrawal process, the funds are in Pending and seeking any support on Blockfi end results in a dead end. An example being the Support chat which for Withdrawals ends in a dead end for the withdrawal process by asking that there can be a validation email sent that can be confirmed. No such email has been requested, have also canceled and retried the transaction for the BAT, on the XXXX of XXXX, in the amount stipulated above, where at both the initial and re-attempt, no such email was sent to validate identity or security related aspects. 

Also, " BlockFi Phone Support is currently unavailable. '' plastered on the website. 

I would like to mention, if at all makes any difference, those wallets are in my name and that they should represent the equivalent of a checking account. I would strongly urge them not to be used to satisfy secured creditors if bankruptcy comes.
Product: Debt collection

My recent credit report is showing unverified, and unauthorized inquiries as well as collections that I never had a chance to dispute. The inquiry is from XXXX XXXX, the collections are from LVNV Funding LLC XXXX, LVNV FUNDING LLC XXXX. By law I am owed proper credit reporting according to the FCRA. I never received written notification with a right to dispute this debt. I am requesting debt validation for the collections because I never received written communication. In this debt validation I am asking for detailed list of my history of payments on these accounts, the original contract with my signature agreeing to pay these creditors, proof that you have a chain of title to collect on this debt, also asking to see if there had been insurance claims filed on these accounts. With out providing proof these accounts should be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2021, the PHH Morgage company reported my account 30 days late. I made a payment on their electronic phone line on or about XXXX XXXX. A few days later I realized that my payment had not been drafted from my account and I called them. I was informed that there was a payment that had been rejected. I contacted my bank to verify this information and they told me that no payment had been attempted from the mortgage company. At that point it was after my 15 day grace period so I was worried about late fees. I called the Morgage company to make a payment and tell them about what was going on in an attempt to get the fees waived. After all, we are in a pandemic and every XXXX  mattered. They told me no they would not waive the fee and that I needed to make the payment right away. I made the full payment right there over the phone with the rep. I woke up a few days later with a late payment notification from XXXX XXXX. I was very upset because I had been in contact with them about the issue. At that point, I called them multiple times only to hear that it was nothing they could do. I spoke to multiple managers about what happened and I was told to file a dispute with the credit bureaus. I asked the company for a letter from stating that my account was current and that it was in good standing and was never late. I added this letter to my dispute. The disbute came back verified, nothing was changed on my credit report and I dont understand how. Since my disbute I have called them once a month and I still havent received any positive solution. I dont know why they are unwilling to work with me on a system error. I have never had this issue of being late on a Morgage before. I am filing this complaint because I have tried to contact this company multiple times to rectify this issue and they have basically laughed in my face and told me to handle it with my credit report. This late payment has dramatically affected me and their reporting was not fair or accurate. Since then, they have transferred my Morgage to another lender.
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. 

List of Unauthorized Inquiries : 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed I had fraudulent accounts on my report, Please remove these accounts from my report, they are hurting my ability to obtain credit. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

Citibank, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX Application ID XXXX Denied me access to my extension of Credit as one of the Creditors which The country is founded on the full faith and credit of the American People This denial of accessing my credit is in direct violation of the Federal Equal Credit Opportunity Act which PROHIBITS DISCRIMINATING AGAINST ANY CREDIT APPLICANTS The Federal Reserve Act, CREDIT CARD ACT, THE CONSUMER LEASING ACT ( CLA ) I AM OF LEGAL AGE AND OF A SOUND MIND WITH CAPACITY TO CONTRACT AND CREDIT SCORE IS IRRELEVANT. 
MY CREDIT EXMPTION IS ASSURED ; IT IS MY SUPERSEDEAS BOND BECAUSE : " No state shall .... make any ... law impairing the obligation of contracts. '' -- Article 1, Section 10 clause 1, of the US Constitution Congress legislated that the new money shall be backed by " the credit of the United States '' and represent " a mortgage on all the ... property of the people in the nation. '' The individual creditor of sub-corporate entity ( Citi Bank N.A. ) operating within the bankruptcy who dishonors a holders recovery of what is due him in dicharge of a public debt places themselves outside of the bankruptcy 's protection from its creditors in equity, and he is then open to involuntary bankruptcy and liquidation of the entities assets to the amount of the debt " My name is my bond! and I do not consent to these proceedings ' and demand reconsideration.
Product: Credit reporting or other personal consumer reports

The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/scrub>XXXX XXXX XXXX and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had issue with identity theft where I had account open, money take from my account authorization hold or charges from multiple account! It cause of me loosing my wallets too many times. One example is a corp account with att that I had where it started they stating my order on the phone with a sales manager for an hour and a half. I put in an order of 4 phones they i have proof one was returned and the other got sent back by XXXX. I was charged for it even after informing them about it. Moreover those phones and lines were active and later swap into a different phone? They closed my account with XXXX plus balance?
Product: Credit reporting or other personal consumer reports

During the XXXX XXXX XXXX, I was out of work. XXXX XXXX contacted me and said, because of the pandemic they were pausing credit card payments and deferring interest. But a few months later when they unpaused payments, I was notified by them that my account was over balance and past due. They said there is a balance due immediately, it was like {$500.00}. I didn't have any money because I was out of work at that time, and on unemployment barely able to pay my bills. With all the late fees, over balance fees, and interest I was never able to catch up after that. So I disputed it with them, they told me they would get back to me, I didn't hear anything from them for months, I called again several times over the next 15 months. Finally 2 years later, I'm contacted by a collection agency, because XXXX XXXX sent my account to collections instead of getting back to me about my dispute like they said they would. So I called XXXX XXXX and got them to call my account back from collection and bring it back to the bank, and I agreed to pay it because at this point it's years later and I just want to get this over with. So I saved up and used a tax refund to pay off the entire balance. But it's still on my credit score to this day as a charge off and with all the over limit, past due derogatory marks. Im not able to secure funding for my small business because of this. I have tens of thousands of dollars running through my business checking account but I can't secure a business credit card because of them. My credit score was excellent until XXXX XXXX lied to me and ruined my credit score, I have not recovered still. I have disputed it with the bank and with experion, and still nothing has changed. Please help. I just want this to go away.
Product: Prepaid card

XXXX and XXXX transfers and my XXXX XXXX were made from my DailyPay account ( connected through my employer ) to an unknown, XXXX  account totaling {$650.00}. As of XXXX the DailyPay account team paused my account to investigate the XXXX activity, but in turn I can not receive any funds that are produced when I work a shift the day of. You can clearly see on my XXXX the previous transfers and XXXX XXXX were sent to another account and NEVER sent to the account that was XXXX  They allowed this to happen and now I'm behind on bills, XXXX and XXXX because I don't know when certain bills/utilities will get cut off! I have a XXXX old that I care for and ouXXXX XXXX XXXX XXXX has been XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continue to negatively impact my credit. Despite my efforts to resolve this issue directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and do not reflect my true credit history.
Product: Bank account or service

I accidentally left a check made out to myself inside of a rental car. Reported it promptly to Chase, and even though it was made out to myself, and had a forged endorsement, Chase and the depositing bank allowed it to be cashed by the scammer. 

Chase closed the investigation, within a week, BEFORE processing my affidavit or even attempting to investigate, due to " Lack of Care '' on my end because I left the check somewhere. The police department assigned a Detective who is actively looking for a suspect, and wants to prosecute, yet Chase just dismissed the claim, even though it clearly is a case of check fraud, and I reported it to Chase the same day I realized the check was missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, USPS Tracking XXXX, and USPS Tracking XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 or 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.
Product: Money transfers

I bought a ticket to an event at the XXXX XXXX festival that happened in XXXX NY in XXXX XXXX, 2015. Here is the event description XXXX I found out I was not going to be able to attend the event and I identified a woman ( friend of my father ) in NY who was interested in purchasing my ticket. We agreed on a price of {$45.00}, and that she would pay me via paypal. I sent her the ticket ( address in NY ) once I saw that she had submitted the money transfer. However in the subject line of the payment, she said, payment for ticket to XXXX, XXXX ( name of the event ) and now paypal is holding the money pending an XXXX investigation?? She has provided the website for the event and explanation that the transaction has no involvement with anyone in XXXX or any good coming from XXXX. This would seem to be a mistake that could easily be cleared up, but the payment was submitted on XXXX XXXX, 2015 and paypal still has n't released the payment to me. They will not give me a timeline for when the investigation will be complete or if they can simply not process the transaction and return the money to the sender. I do n't believe they should be able to hold my money indefinitely. This guilty by 'word association ' is bordering on ridiculous.