23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have followed the exact instructions for fraud and identity theft that the federal government has issued. I filed a report with the New York State Police regarding my identity being stolen and fraud committed by another individual. In each case if credit card fraud, the outcome has been determined by two separate companies that I was not responsible, and those companies removed the information from my credit report and issued a statement stating this information. Apple Credit Card and Goldman Sachs are still disputing this information even after I have sat through multiple days worth of conversations with their fraud department and have disputed EVERY single transaction, including how APPLE illegally combined my credit card with another individual, making my account appear as a joint account, without my permission, knowledge or contact. I had a {$10000.00} limit that sat unused for years before my account was combined with someone else who had a limit of {$750.00}. How does that happen and why does that happen without contacting me? After 8 months of disputing this nonsense, I went from a XXXX credit score with XXXX missed payments to a XXXX as of today and only Apple Credit Card shows up with missed payments for an amount of {$8900.00} that is not mine. After following all the federal requirements for fraud, and the NYSP stating that I am unable to do anything, that only the credit card company is allowed to go after the person, I am still unable to remove the fraudulent card and debt from my credit report. Which has caused me to be denied credit by lenders and as a service member, this looks very bad to my command. I have been told by Goldman Sachs representatives that I AM responsible for contacting the XXXXXXXX XXXX merchants and disputing the charges, which is not acceptable as I am not the one who made these purchases and I also can not sue/prosecute the individual who stole my identity. The constant harassment by representatives from the bank to collect on a debt that is not mine is ridiculous and unacceptable. Each day I am being contacted and then transferred to their fraud department who states that they have made a note in my file but each day the representative tells me that there is no such documentation. Please help me fix this issue as I am now being denied credit due to my credit score, and so called missed payments on a fraudulent credit card.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by clone company of XXXX involved me in making deposits for a total amount of XXXX XXXX ( XXXX EUR ) from my Kraken account to a fraudulent firm. 

I asked Kraken to refund this scam but they refused saying they are not in a position to evaluate whether I was genuinely defrauded.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX XXXX. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of the data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX
Product: Credit card or prepaid card

a credit card was opened in my name without authorization. the first inquiry on my credit report was XX/XX/ and another happened on XXXX. a card was successfully opened and sent to my house, but I had never applied for it.
Product: Credit reporting

My ex-husband used my social security number and his name hit my credit report. I was supposed to be protected by the courts, identity undisclosed, because he is on XXXX. However, the court clerk did not do her job and now all of my personal information is public. He knew my social security number and is now trying to cause me financial damage like he has done others in the past by switching his last few numbers of his social to open accounts on someone else 's credit and ruined them. I disputed with Experian but that did not change my credit score after he dropped it over XXXX points after he already destroyed me by XXXX and I had to give the only transportation that me and my son had back to the bank because it was destroyed.
Product: Debt collection

I received a call from someone claiming to represent the  Professional Bureau of Collections of Maryland Inc. The y spoofed the number  XXXX  in an attempt to make me believe it 's a local call. They left a message saying they need me to call them back regarding a collection item, but my credit record does n't reflect a collection account. I have family members that may have a collection account and have been contacted before by other collection agencies that want contact information of a family member. Their call back number is  XXXX .
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft i filed all the necessary documents to have fraudulent accounts removed from my report and they were removed. 2 days later 1 of these accounts reappeared on my report incorrectly as 15 USC 1681 c-2 clearly states, ( a ) Block a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.. 
so its not enough for the reporting agency to only delete this information but congress states they should also provide a block of the reporting of these fraudulent accounts. The account that reappeared is XXXX XXXX  account # XXXX i demand that this company block and delete this account in accordance with the law. Ive reattached the ftc report as well as the police report and verification of my identity.
Product: Credit reporting

I filed bankruptcy in XXXX 2011 and my XXXX XXXX XXXX XXXX was included. I did not reaffriem with XXXX XXXX XXXX, but i have been making on time payment since inception of the loan, which has not been reported to CRA.
Product: Debt collection

I have tried to dispute the debt with LVNV FUNDING LLC and the credit bureaus. I have not received any information from either company that shows the debt is mine. I do not owe this debt and have never had an account with LVNV FUNDING LLC or the company they are trying to collect for.
Product: Debt collection

In XX/XX/XXXX, I disputed two accounts listed by XXXX XXXX on my XXXX and XXXX credit reports per they do not belong to me. I previously disputed these accounts on my XXXX credit report, and they were removed per they do not belong to me and could not be verified. After my dispute with XXXX in XX/XX/XXXX, these accounts were removed. Since these account were returned to me as verified after my dispute with XXXX in XX/XX/XXXX, I mailed a certified letter ( which I have attached ) on XX/XX/XXXX disputing the items directly with Resurgent Capital as allowed by the FCRA 623 ( a ) ( 8 ) ( E ). As of today, I have not received a response from XXXX XXXX.
Product: Credit card

I have XXXX accounts with AMEX, I sent a payment to the wrong account and called to have it transferred to the right one. AMEX debited the wrong account and never credited the right one so the cash essentially disappeared ( concerning I had to catch this and not them ). The first time I called to fix the problem the result was they credited the right account but again debited the wrong one. So I was double debited in one of the accounts. I have contacted them multiple times and they still have not resolved this issue. I am also concerned with the integrity of their payment system.
Product: Debt collection

I am writing to bring to your attention a concerning issue with my credit file. I have noticed a collection entry from your agency that I was not previously informed about. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide the necessary validation and take appropriate action to address this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is illegally reporting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not provided proper disclosures or the option to opt out of sharing my information. I have not received any benefits from these transactions. I suspect that my identity has been stolen, and I request that you immediately block, delete, and remove the shared information from my consumer report, as outlined in 18 U.S. Code 1028A. Furthermore, according to section 602 A of the 15 USC 1681, I am entitled to privacy rights. In addition, section 604 A, subsection 2 of the 15 USC 1681 states that a consumer reporting agency can not disclose an account without my written instructions. According to section 1681c ( a ) ( 5 ) of the 15 U.S.C., no consumer reporting agency is allowed to include certain types of adverse information in a consumer report, unless they pertain to records of crimes that occurred more than seven years prior to the report. Finally, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), it is prohibited for anyone to provide inaccurate consumer information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.
Product: Money transfers

I transferred money to a programmer about a year ago to design and program games using the XXXX software. The job started out ok, he was making progress and sending me different builds. After a few weeks, he completely stopped communicating with me and I had to start a dispute on paypal. Once the dispute was elevated he finally communicated with me and said he would finish the games in 2 weeks if I cancelled the dispute, so I did. Needless to say, he did not finish the games and would keep telling me they would get done. I made the mistake of believing him because I could not dispute the charge again. It has been months and I have not heard from him. The services paid for were not completed and he has stolen my money. I have supporting documentation and communication proving he did not complete the work and will not respond to any messages.
Product: Credit reporting

Credit Card companies are deleting Historical account information reporting incorrectly and re-aging of account. CRA are being advised that information is reported correctly that account belongs to consumer. I am not questioning the validation of whom the account belongs to but I am informing the CRA that they are in violation of FCRA ( 7 year maximum reporting period ). All account information which shows deleted or no Historical Account information and payment made not provided is the Credit Reporting agencies attempt to camouflage their violation and report incorrectly. Any and all accounts that are in violation of FCRA ( 7 year maximum reporting period/Historical Account Information not available/Payment History not available ) needs to be removed immediately. Check attached documents and all reporting periods are false. No Historical information is present to validate their reporting period and payment information made is deliberately not shown to continue reporting false information/incorrect/unsupported data. Please investigate and enforce any action necessary. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

Credit acceptance corporation has disclosed my personal information in a manner that is not allowed by law under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. my rights have been violated and I demanded they remove my information from all three credit bureaus that since they DID NOT have my permission to share my information to other non-affiliated third parties. under 15 U.S. Code 6802 section ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Non of these options was given or explained to me at the time. this practice is an a violation of my rights and demand the removal of the account from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit reporting or other personal consumer reports

Back on XX/XX/XXXX  I sent in my ftc letter to have them remove XXXX XXXX XXXXt from your credit report and they have not removed it from all three of my credit reports. I sent it to XXXX XXXX, XXXX and Experian. It is still showing on my credit report as of XX/XX/.
Product: Credit card or prepaid card

I want arbitration, and I have been sending Synvous, letters to that effect, but they want to play hard ball on a charged off account, why I don't know. 

I should not have to pay the whole account amount because they have received a TAX benefit from the Government. 

I will sue them if they don't come to the table and resolve this account. 

They are also reporting false information on my XXXX dollar payments to I am providing to show good faith. They are still saying I am paying {$50.00} dollars that's all lies. 




XX/XX/XXXX Consumer Financial Protection Bureau Re : Complaint of XXXX XXXX ; Case # XXXX Our goal is to provide our customers with the best possible banking experience. Our customers feedback is important to us, and we would like to share our findings after reviewing the matter you brought to our attention. 
XXXX XXXX complained he is unable to keep up with whom he owes as the name of the Bank has changed. XXXX XXXX also stated he was told his account was with a collections agency, but that no one was able to tell him which agency. XXXX XXXX claimed Synovus is reporting late payments contrary to an agreement with Synovus that once the card was paid in full, the Bank would remove the negative reporting from his credit report. 
XXXX XXXX account was charged-off on XX/XX/XXXX, in the amount of {$12000.00}. The account is currently credit revoked and it is XXXX days past due. The account has not been current since XX/XX/XXXX. XXXX XXXX 
XXXX last payment on the account was made on XX/XX/XXXX, for {$50.00}. XXXX XXXX requested that all negative reporting be removed from his credit bureau ; however, in the absence of any supporting documentation that this account was charged off in error, the account can not be removed from his credit bureau. Finally, Synovus does not make agreements with customers to remove negative credit reporting in exchange for payment. 
If XXXX XXXX has further questions, he should give us a call at XXXX SYNOVUS ( XXXX XXXX or stop by a branch. Were here to help. 
Sincerely, XXXX XXXX XXXX Complaint Resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep calling the number they have and Im getting the run around. 
I see a report by aqua finance and i never had an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did and stated everything was accurate and VERIFIED. I did research myself and found improper Inaccuracies to my credit report even after they did a research on my credit report. 

Name of Account - XXXX # XXXX Name of Account - XXXX XXXX XXXX # XXXX Name of Account - XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

In accordance with the Fair Credit Reporting Act XXXX  account # # XXXX has Violated My Rights In accordance with the Fair Credit Reporting Act XXXX  account # XXXX has Violated My Rights. 

15 U.S.C 1681 Section 602 A : States I have a 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 reporting or other personal consumer reports

XX/XX/XXXX - Mailed letters to creditors and courts requesting verification of debt for accounts included in Bankruptcy. Creditor responded they verified debt with the " courts ''. Mailed verification of debt to the courts. Courts responded with " they '' DO NOT verify debts with creditors. Sent this information to the creditors requestion method of verification since " courts '' denied verifying any info. Creditors have failed to respond to verification XXXX XXXX XXXX  - Re-sent letters to creditors requesting verification of debt. If creditors do not respond, I want this information deleted from my report.
Product: Debt collection

On XX/XX/XXXX, I sent a letter of dispute to a collection agency named XXXX XXXX XXXX ( ERC ), in regards to an account that they have been reporting under my name and social security number, with an amount of {$1300.00} which they claim I owe them, to all 3 credit reporting bureaus, with an open date of XX/XX/XXXX. In this letter, I requested validation of the debt, including sufficient evidence showing that I in fact owe them this debt. I do not believe I currently owe them this debt, nor have I ever owed them this debt. I have not received such validation, nor any relevant correspondence from this company, including an initial collection notice. I have sent 2 follow-up letters since then, dated XX/XX/XXXX, and XX/XX/XXXX, to which they have not responded. I believe this is a violation of the Fair Debt Collections Practicing Act, as well as the Fair Credit Reporting Act.
Product: Debt collection

See attached letter, XXXX XXXX did not validate the debt, nor show proof. They are not a reputable business as they have had numerous lawsuits brought against them for their illegal debt collection actions. Their prior XXXX poor attempt at validating a debt is rejected, as it did not prove anything.
Product: Debt collection

I dispute the fraudulent account reported by your bureau. The bank confirmed its fraudulent nature and assured removal. Other bureaus have already removed it. Please delete account number XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX was paid and settled even after illegal predatory actions taken including sending a false lawsuit document as a scare tactic. In settlement with XXXX they agreed to remove all negative trade lines from all 3 credit reporting agencies. This still has not been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two of student loans on my credit file that I have been disputing since XX/XX/XXXX.The loans are being reported inaccurately with late payments..XX/XX/XXXX,XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX.I was never late the accounts were in active Forbearance.I provided proof from the data furnisher.The accounts were not corrected to Paid As Agreed.The CRA has answered my disputes as Verified as Accurate which is impossible if a reasonable investigation had been carried out.It is a violation of the law to continue to report inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX, TransUnion and XXXX a complaint about an account and inaccurate inquiries that has been reported on my credit report. I sent them formal XXXX dispute letters on XX/XX/2021 and haven't been able to get a response back after 30 days. I sent an additional 30 day demand and compliance letter once the time period of 30 days has passed and I still haven't received any response. They haven't been able to verify the inaccurate account that they are reporting on my credit report and I would appreciate it if they were to remove them immediately.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report.Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX