23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased a drone from amazon on XX/XX/2021 in the amount of {$1400.00} which later was determined to be defective and successfully returned back using the following tracking number they seem to not register within their system that was provided by their system. After Amazon reps have searching and located that tracking number : XXXX they have concluded numerous times they/amazon has received item in their fullfillment center. Synchrony bank continues to deny and state that the item was not returned and receiving communications from amazon that the item was never shipped. Apparently amazons system reflects another tracking number by XXXX which isnt the one they have provided at the time of shipment. It is now been several months and numerous complaints with this agency and severe damage to my credit report and both companies refusing to provide a resolution other than stealing my money, damaging my credit and/or returning the merchandise. Synchrony says amazon has refused the dispute while in the same sentence providing the tracking number I mentioned above proving that it was returned, but Synchrony, denying my claim without investigating that tracking number. Requiring me to keep reopening an investigation that takes 90 days and it is now 5 + months and no end results. Amazon says they refunded the money, synchrony says the disputed with proof that you have returned it successfully while not resolving. I have several complaints against synchrony regarding this same issue and its not being resolved. They keep either falsifying statements with your agency or who ever and closing this case out. This matter has not been resolved. While I keep being told wait some more, wait some more, wait some more and then the case gets ended with unable to help with transaction. This is now criminal and fraudulent no longer an accident or negligence.
Product: Debt collection

I received a letter in XXXX of XXXX .I replied back certified mail stating I wanted proof of debt. they sent me a letter stating they were going to initiate an investigation and take it off my credit report on XX/XX/XXXX. I never got any information back they continue to send letters I continue to send letters via certified mail and I have all the copies of letters from me and to me, and now they are suing me without giving me any of the pertinent information.
Product: Credit reporting or other personal consumer reports

I have not been able to access my Experion account because when I try to log in it wants to text me an access code to the number on my account. The number is an old landline that has been disconnected. I have been trying to speak to someone and keep getting the same recording with only 2 options neither of which is tech support or a live agent. There arent enough expletives in the OED to cover how I feel about Experians lack of customer support. Please direct me to someone that can help. 
XXXX XXXX XXXX
Product: Student loan

Citibank is reporting the wrong default date. I graduated XXXX, I had a 9 month grace period before I was in default I never made a payment. My default date should have started XXXX/XXXX/XXXX on all XXXX of my loans. They are not reporting it as such on my credit. I want them to correct that date. my 7 year period has ended.
Product: Debt collection

I recieved a collections call from an unknown company this morning while in the hospital. After being on hold for 10 minutes through an automated system where the recording told me to wait for a representative, I was hung up on and directed to the website. Their website ( http : //www.cmrefsi.com/ ) is not trusted and upon research, they seem to be a collection scam. I have no business nor have I authorized or agreed to any payments to this or any company or missed any payments to any outstanding accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Experian since 2018. Their website/portal inaccurately states that I have a late/derogatory payment. All of my accounts have always been current. When you expand the payment section on their site, it states that there are no late payments. My credit report supports the fact that I have no derogatory information on any of my reports. I spoke to the tech team who advised it is a technical glitch but it shouldn't affect anything. When I pull my FICO score through XXXX XXXX, it shows a lower score due to a serious delinquency being reported by Experian. No delinquency can be located because it doesn't exist. I have opened numerous tickets with Experian and they go unresolved or I never hear back. They even stated I never received a resolution due to the fact that I have a free membership. They provided me a free membership due to the fact that they were breached! 

It has affected credit decisions. I need them to fix the technical issue and remedy the situation. I have enclosed screenshots of the site, old reports, current reports. Please have them provide updated copies which will prove they're reporting inaccurately.
Product: Debt collection

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , Equifax , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. 

XXXX XXXX {$0.00}
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 te privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX : Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that XXXX, XXXX, AND XXXX investigate possible inaccurate and unverifiable accounts and the investigation took well over 30 days.
Product: Credit reporting or other personal consumer reports

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer XXXX have given you written, unwritten, verbal, and nonverbal Per XXXX XXXX XXXX Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent per usc 1681 I have disputed, called and requested removal of inquires that i didn't give authorization to A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never was i informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C IT is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e
Product: Checking or savings account

I purchased a variable annuity through my bank, Citizens Bank, from an insurance company called XXXX XXXX. This was in a rollover IRA account and the amount was {$100000.00}, the date of the investment was XX/XX/2020. My application stated that the annuity would track the XXXX XXXX XXXX XXXX index for 6 years, with a 20 % buffer and an 85 % performance cap rate. 

When I received my contract, mailed on XX/XX/2020, it showed the cap rate to be lower, at 75 %. I called the bank immediately and they said they would look into it. 

I received a call 2 weeks later saying that the rate had changed since I applied, and the bank representative admitted that it was his error that I was not informed of the rate change. He was apologetic but said it was too late to change anything.
Product: Credit card

I have an account with Capitol One and they have placed it in restricted status without any option to ever remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have communicated with XXXX, XXXX, and XXXX, many times in recent months via, mail and telephone, to have so errant accounts removed from my credit report. After checking the reports on XX/XX/2022, it came to my notice that the XXXX, Aidvantage STILL has multiple accounts furnished on my reports. 

I am sick of this because it has lead to me being denied housing opportunities. My current lease ends in 12 days and I have nowhere to go because I keep getting denied ( PAID ) rental applications due to low credit score. 

Today along with this complaint, I am hereby providing you formal notice to cease any further communication regarding this account immediately, pursuant to my rights as per 15 USC 1692c ( c ). This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency.
Product: Credit reporting or other personal consumer reports

Fraud accounts being relisted in violation. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original signature. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UD DEPARTMENT OF EDUCATION FOR {$1500.00}, XXXX XXXX XXXX Charges filed XXXX XXXX ORIGINAL POLICE REPORT attached, address, emails, current bank statement, FTC, supplemental police report and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA LAW- XXXX has relisted 15 fraudulent inquiries.
Product: Checking or savings account

Wells Fargo said they were going to send my files to the Financial department, but I have not heard from them. Wells Fargo Bank ( WFB ) froze my account, then closed it. Simply because I asked the teller, was a check sent to me in the mail for a job, any good? It is my belief that I was one of the persons on their fraudulent list of Names that salespeople obtained from the Department of Children and Families in XXXX Florida. We were not WFB customers, so the bank Manager approached me to open an account, then it was closed for suspected fraud 5 weeks later. This was done to close out all the misuse of fraud, and identity theft, and to falsify banks ' records. Once I was in their system and then set up as suspected fraud done without my knowledge, the computer system now identifies me as fraudulent Actions committed even by the salesperson. Then they dismiss me and anything I was being used for, and my credit ratings dropped, and I was made unhoused in the year beginning of XXXX and then again in XXXX. They used my sensitive personal information and identity. WFB has voided everything on their computers and with the credit bureaus except the dropping of the credit scores. I have enclosed documents to clarify the roots of the fraud committed by WFB salespeople.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax didnt remove the five inquiries off my credit report and I send in documents 5 times and they would put them in dispute and it would get rejected within 40 days and I would put in dispute again and again and fax in documents and its costing me money and Equifax keeps rejecting it and promise they will remove these fraudulent inquires off my credit report and they are still there according to my Equifax.com and I also received a letter saying these inquiries were taking off but its a lie
Product: Debt collection

I received a phone call from Synchrony Bank. The bank claims I did n't pay my bill payment of {$25.00} towards my Amazon store card for the months of XXXX and XXXX. I have a automated online bill payment, with my bank XXXX XXXX XXXX, that I use to make payments towards my Amazon store card each month. I contacted my bank XXXX XXXX XXXX with this issue, and my bank provided me with a bank statement that shows that I paid my bill during XXXX. There 's a inaccurate amount of {$63.00} dollars in late bill payments that Synchrony bank is claiming I owe.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off : XXXX XXXX XXXXXX/XX/XXXX {$9200.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} Inquiries : XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information was erroneous. The XXXX and Transunion credit bureaus are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Kindly correct these unverified accounts below : 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, credit repair services, or other personal consumer reports

I need to let you know about some wrong things on my credit report. XXXX says I was 60 days late on XXXX, but TransUnion shows XXXXXXXX XXXX XXXX XXXX and 30 days late. Both are not right. 

I learned that the law ( 15 USC 1681e ( b ) ) says it has to be correct. But this account has different dates and names everywhere. Ill send pictures to show it.

I dont think this should be on my credit. The law ( 15 USC 1681e ( b ) ) says so too. Can you also make sure nothing changes or stays wrong? I want everything about this company taken off because of the mistakes.
Product: Vehicle loan or lease

XX/XX/XXXX - Car loan was paid off in full to Truist Bank XX/XX/XXXX - Loan was transferred to XXXX XXXX ( according to bank ) XX/XX/XXXX- Not having received my title, I tried accessing my account and discovered I could no longer access. I then called the bank to inquire about when I was going to receive my title, and was told they would create a case number and to check back in a week. XXXX weeks later, I called back and was told they were still working on it and they provided a case # and to call back in a week. 

XX/XX/XXXX - I received an Affidavit By XXXX  XXXX XXXX from Truist Bank, signed by the bank and witnessed by a Notary Public, confirming the lien was satisfied. I called the bank to ask about the title and they told me the process was stuck at Arizona Department of Motor Vehicles but to call back in 14 days. 

XX/XX/XXXX - I called the bank to ask status of the title and they assured me someone was working on it and to call back. I tried getting a contact name so I could call directly. They provided a first name, but could not give me the last name because of policy. They also told me they had no direct numbers to the people I had worked with before. 

XX/XX/XXXX - Called bank to get status, they advised it was still stuck at AZ DMV, told me to call back on XX/XX/XXXX. 

XX/XX/XXXX - Called back to get status, bank advised they were still working on it. I requested to speak to a supervisor. They gave me a the supervisors first name and told me they would call back. The supervisor called me back but the call dropped and I was not able to talk to her. She left me a voice mail, explaining they opened a new case number and that I should call back within XXXX days. By coincidence, I checked my mail and found another notarized document from XXXX, dated XX/XX/XXXX. This time it was entitled, XXXX XXXX Texas XXXX XXXX, but the vehicle description was wrong, the XXXX had an extra digit, the title number was different, preparer was different. I called the bank back to tell them about the XXXX conflicting Affidavits, and advised I wanted to file a complaint the story Im getting is inconsistent. They told me that they would file a complaint for me ( another case number ). 

Ive never made a late payment and paid my loan in full. I learned that I should be receiving my title XXXX days after loan is paid off and its been almost 6 months and I still dont have it. Im going to file another complaint with XXXX also because I feel this is wrong and am worried I may never get my title.
Product: Checking or savings account

On XX/XX/XXXX PayPal limited my account without noticed this limitation has completely cut me off from any access to my money Ive contacted PayPal several times to release the funds and they refused they said I have to wait 180 days. 180 to wait on my money that I go to work for is absurd they refused to lift the limitation so I can access my funds. I need my funds immediately its not right nor far to cut someone off from their funds that they worked hard for especially a single mother. PayPal also stated that since the account is limited I cant transfer money yet I made a transfer when the account was limited and then once they were made aware of that they put extra precautions on the account as if its not MY MONEY
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sure you receive several complaints so I will try to make this short and concise. Since XXXX of this year I've been attempting to have incorrect information on my credit removed and corrected from my credit report. The credit bureaus are reporting a XXXX XXXX XXXX account which is over 7 years old and they are reporting a bankruptcy which is 10 years old. All I want is for them to remove these accounts from my credit report and fix them.
Product: Credit reporting or other personal consumer reports

called Transunion and was told i was XXXX and watching to much XXXX and XXXX content, that there was no XXXX or XXXX. insulted moked belittled.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 90 days late payment on the dates XXXX XXXX XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

According to my credit report on XX/XX/XXXX, I discovered that there are unauthorized and fraudulent activities being reported to my credit file. This is due to multiple data breaches that I have been involved in regarding my Name, Address, D.O.B, Soc Sec #, Phone number, and email addresses since XXXX. 
The following are the data breaches that have leaked my data : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are a few more, and I will update the new information after verification. I disputed this a few times and was ignored by the XXXX major credit bureaus. I'm seeking help to rectify this situation. 
Here are the un-authorized accounts that I had no knowledge of : XXXX XX/XX/XXXX ACCT # XXXX XXXX  - XX/XX/XXXX ACCT # XXXX XXXX  - XX/XX/XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Any questions, please contact me at XXXX or the address I provided on this report. 

Sincerely, XXXX XXXX XXXX SS # XXXX I am willing to prosecute.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, and XXXX has failed to provide the method of verification for the XXXX XXXX XXXX account reporting on my credit report. I have written Experian numerous letters request and verification methods. However as of today no method or proof of verification has been given by Experian nor XXXXXXXX XXXX XXXX. As a result of this inaccurate reporting my credit score has dropped tremendously and it has caused me to be denied credit by several different companies. 
Furthermore I feel that experience is not providing their method of verification because they are using secondary credit reporting agencies that they own. The use of such is a complete conflict of interest and violation of all FCRA Laws. 
Please inaccurate reportings are causing harm stress and unnecessary financial burdens on me due to my current utilities, insurance, and other necessity bills are based on my credit worthiness and report. Especially insurance I'll pay all your premium because of my credit report.
Product: Credit reporting

Experian, The way the system is set up, it discriminates ( see attached XXXX pages ) against people that pay their bills on time. In my case, not only are they discriminating against me, the Credit reporting agencies have wiped my credit history out and have dropped my credit score down to XXXX from XXXX. It 's as if I have never had credit, I 'm being treated as if I have BAD credit. Auto/home insurance rates have gone up. If I borrow money my interest rate has gone up 1.5 %. I 've been denied credit cards and my checks are being denied by a company called XXXX, due to my credit score. XXXX will not authorize my checks. As of today ( XX/XX/2016 ), my score is XXXX. 
I want my credit score to reflect my outstanding payment and credit history over the years. Not just the past three months. 
Question : How is this system fair? As stated above, the credit reporting agencies are set up to discriminate against individuals that pay their bills on time or early. If you read their own definition/explanation. the credit reporting agencies what to force you into debt in order to obtain a higher credit score.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX, XXXX XXXX, EXPERIAN XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX, EXPERIAN XXXX XXXX XX/XX/XXXX, I FILED A REPORT WITH XXXX AND FILES ATTACHED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect times on my credit report. I have submitted my disputes over 30 days ago. I still have not received any communication for the investigation