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

On XX/XX/XXXX someone called the credit card company for my XXXX XXXX mastercard, Synchrony Bank. This person verbally changed my address over the phone to a fraudulent  address in another State ( Indiana ). Synchrony Bank did not notify me of this change until 12 days later via a letter in the US mail. I was notified on XX/XX/XXXX by XXXX that there was an address change on one of my credit reports. That is how I found out about it XXXX days later. When I spoke to someone at Synchrony bank on XX/XX/XXXX, he told me that this person used my credit card number and the 3 digit code on the back to identify themselves as me. He said this was all they required for identification. I find it hard to believe that is all it takes to ID someone, but it is what I was told. Any store, or restaurant I hand my credit card to will have that information. I asked Synchrony bank WHY they did not notify me via email that there was a change on my account, and he said they can not do that. I get email notifications for payments, statement, amount due, etc, but they can not email me when the address has been changed. WHY NOT? No answer. I cancelled the account. The fraudulent address was reported to two of the three credit reporting agencies. With the fraudulent address on my credit report, the thieves can request a copy of my credit file to that address. This careless, incompetent and neglectful act from Synchrony bank has exposed me to all kinds of identity theft and financial ruin. It has been six months and I am still dealing with this. One of the credit reporting agencies did NOT remove the fraudulent address from my credit file, even after I received a confirmation letter from them stating that the address was deleted on XX/XX/XXXX. That is XXXX by the way. I already have another complaint on file about that.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown inaccurate accounts and inquiries on my credit report and I have yet to receive a response. I feel like I'm being taken advantage of because it has been well over 60 days that my disputes have went ignored! Section 611a plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 71 days, well over 60, so those accounts and inquiries should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation because of the stress you have caused from blatantly violating my consumer rights. My information was also impacted by the Equifax XXXX XXXX and may have gotten in the hands of the wrong person. This complaint is being filed by myself, not a credit repair company so please don't respond using any false stall tactics.
Product: Student loan

Getting evicted, and the ignorant, arrogant lender is asking me to pay {$2600.00} monthly. I make {$20.00} an hour. 
Unlawfully collecting is the core of my issue. My lender is impossible to work with. 
An extra {$160000.00} appeared on my total balance due out of no where. 
This lender is taking advantage of me.
Product: Credit card

In XXXX of XXXX, I opened a XXXX XXXX account with American Express. They proceeded to charge me a prorated annual fee, despite my husband being on XXXX XXXX and the XXXX XXXX XXXX preventing them from charging me these fees. I reached out to dispute it and they denied me my request because they filed it under the XXXX. Then, in XXXX of XXXX, they charged me another membership fee of {$XXXX}. I reached out to American Express again to contest the fees and inquire as to why they were charging me fees while the XXXX protects my spouse and me. 
Since then, I have been declined at least XXXX times, with American Express saying I am ineligible for the coverage for reasons varying from me not being married to someone on XXXX XXXX to my spouse not being the primary cardholder. However, I have provided a Statement of Service and a marriage certificate to show that my spouse is XXXX  and I have been married to him since XXXX. 
The exact verbiage in the XXXX XXXX states " Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent XXXX not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : the costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee ( other than certain participation fees for a credit card account ). '' As a dependent, I should be protected and would like the fees charged so far to be refunded immediately. There is nothing in the cardmember agreement or XXXX XXXX that says an XXXX  service member has to be a borrower on a loan in order for their dependents to receive the protection of the XXXX. 
I am happy to provide the paperwork that shows my status as the dependent of an XXXX  service member. 
Thank you for your time and attention to this matter.
Product: Checking or savings account

Capitol One allowed {$43000.00} to be taken out of our checking account via ACH withdrawal. We tried to have it reversed within 15 hrs that it happened but got nothing and they will not give me a reason as to why the reversal was not accepted. We have had to file rebuttals which keeps dragging it out but all with no answers. They just keep refiling it dragging it out and giving us the runaround.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$1500.00}, {$1300.00}, {$4400.00}, {$2100.00}, {$1800.00}, {$0.00}, {$6400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1300.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4400.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 


-- AUTO LOAN OR LEASE -- 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called Capital one on XX/XX/XXXXto inquire about a late payment reported without my knowledge or consent back in XX/XX/XXXX. I've just recently became aware that I was an authorized user for my mothers account. Mother was two months past due, instead of calling both people who are accredited to the account they only notified or tried to reach my mother. Reported me as being two months late without any notification. Would like these charges removed and would like to be notified in the future if the balance is past due so I can avoid this from happening again. Thank you so much in advance
Product: Debt collection

I had a membership at XXXX XXXX for a couple months it wasn't working out that I had time to go so I went in and talked directly to the same manager that opened the membership and canceled the account that was taken directly from my checking account he said no problem and told me it was cancelled so I went on with life for a little over a year hearing nothing from them till I open my mailbox one day to a bill for 11 months of membership totaling XXXX dollars. And I call them and they said my membership was never canceled. And owed them for it. This is fraud. I canceled my membership by talking to the manager of the location!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I was alerted of a negative item being furnished on my consumer report by Transunion. I never received any correspondence from Transunion on any investigation before this item was furnished or I did not receive any correspondence of results of Transunions investigation on this item from XXXX XXXX XXXX XXXX. Law states that I an entitled to accurate and fair credit reporting which an elaborate system has been set into place to protect my rights to this process, Transunion has assumed this vital role which they have neglected to accurately do which is their grave responsibility. They have not followed the procedures that Congress has set into place by law to protect me the consumer. The have violated my rights to privacy by furnishing information that they did not investigate and are causing me great harm furnishing inaccurate information without my consent to permissible purpose. XXXX has not provided to me any proof of ANY investigation, I have the right to a fair and accurate consumer report that they have violated me on and have caused me great harm. 

Please update this information to paid never late and respect my rights that Congress has set into place to protect myself and my rights to fair and accurate credit reporting and PRIVACY as I have no disclosures from anyone on giving out my NONPUBLIC PERSONAL INFORMATION. This needs to be Deleted from my consumer report and updated to read never late pays on time. My rights have be violated and Transunion has broke the law being negligent in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to your company personally about the issues prior to and also made calls to the company itself. My identity was bought through a " blacklist '' over the internet several times and more and more inquiries and purchases are being done. I have attempted almost a year ago to freeze my identity and credit. I was also informed by my consult that this company has added inquiries to my report due to some lash or glitch in the system
Product: Credit reporting or other personal consumer reports

I am honestly coming to agreement that Experian isn't actually reviewing my report. i would never understand how accounts comes back as verified that i never gave signature to or even open any of these accounts. I am kindly asking for this file to erased then updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Letter Out Equifax since XX/XX/2022, I have not gotten an update from XXXX about XXXX XXXX XXXX. XXXX is not mines
Product: Mortgage

Freedom Mortgage IS NOT COMPLIANT WITH CARES ACT, I called and spoke to representative to get Forbearance for 180 day under COVID -19 CARES act, they stated that someone will call me to discuss situation and to send form for COVID -19 financial hardship Notification. I did that right away. I also asked if this will reflect my credit, the answer was we are still smoothing things out, someone will call you back. I received the letter on XX/XX/20 stating that they are only approving me for Forbearance for 90 days and they are reporting this to a credit report company. I found out that my mortgage is under XXXX XXXX. No one called me back to discuss any options at all and about repayment plan. I understand that under COVID-19 CARES act that my credit will not be effected and I need 180 days of Forbearance and might need additional 180 days. What can I do, please help and advise.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I found, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX in XX/XX/XXXXand then had significant personal financial issues arise leading to the account being closed in XX/XX/XXXX The account was sold to multiple collection agencies but was settled and paid in XX/XX/XXXX XXXX XXXX XXXX  has violated my rights by submitting falsified information to the credit reporting agencies resulting in financial harm to me and my family. Specifically, they have reported the following information to all three credit reporting agencies ( a ) beyond the charge off date of XX/XX/XXXXand ( b ) beyond the date I settled and paid the balance to their collection agency.

EQUIFAX - reflecting 90 days late payments inXX/XX/XXXX andXX/XX/XXXX. XXXX - reflecting 90 days late payments in XX/XX/XXXXand XX/XX/XXXX.

I have attempted to resolve this directly with XXXX XXXX XXXX  as well as the CRA 's and both have refused to assist me and update the records with the accurate details.

I am begging for your help and assistance in bringing these predators to justice. I simply want my record to accurately reflect my account.
Product: Debt collection

I have requested verification of the debt multiple times, sending certified letters to this company with no response. They continue to report this debt to the credit agencies without providing documentation that this is a valid debt. It has now been past 30 days since the request for documentation proving my financial responsibility and they still have not provided the information requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an updated complaint to Complaint # XXXX. Equifax and XXXX  continue to report inaccurate information after their investigations. 

Confirmation # XXXX dated XX/XX/XXXX, from Equifax shows inaccurate information with XXXX XXXX XXXX for 2 accounts : Account # XXXX and account number XXXX. 
Account number XXXX has been changed to less than the true amount paid which was XXXX. It is now reduced to XXXX. 

Account # XXXX, this account should have closed XXXX my original request, payments were made on this account between XX/XX/XXXX and XX/XX/XXXX that are un accounted for with no explanation by the creditor, leaving the amount owing, dates of service and past due amounts-if any? both erroneous, tainted and proves no actual investigation done from either agency.
Product: Debt collection

Trinity Hope has made numerous calls to me referencing a debtbhat they would give me no information on. I tried several times to get information on the debt but the woman was rude and onl had an account number. She wouldnt tell me who the debt was to, when it supposedly occurred or validate it in an way,
Product: Vehicle loan or lease

Hello, My Name Is XXXX XXXX, On XX/XX/year>, I Recently Viewed My Consumer Report & Noticed I Have A Negative Account With This Repossession. That was Unauthorized Just Need it To Be Remove From My Credit Profile. 


thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

H & R Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.
Product: Debt collection

Nationwide ( XXXX XXXX ) filed a collection in XX/XX/2023 for a debt that is not mine. I have never lived in XXXX, TX and have no children. I disputed this with XXXX and it was removed but returned 30 days later in XX/XX/2023. I tried calling the collection agency again but their phone number recording says it is no longer in service ( XXXX ). This is not my debt and I need help removing it and preventing this company from trying to add collections to my file.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Customer ServiceChase Bank Subject XXXX Dispute of Fraudulent Account - [ Your Name ] - Account Number : XXXX Dear Sir/Madam, I am writing to formally dispute a fraudulent account that has been opened in my name. The account number provided to me is XXXX with an outstanding amount of {$490.00}. 
This account was created without my knowledge or consent and is the result of identity theft, which occurred while I was XXXX. Prior to my XXXX, several sensitive documents were stolen from me, including my Drivers License, Passport, wallet, and a storage case containing other sensitive documents. This incident is detailed in the attached police report. 
I have also attached my XXXX orders, which confirm my whereabouts during the time the fraudulent account was created. I returned from XXXX in XXXX of this year. 

Given these circumstances, I request that Chase Bank take the following actions : 1. Immediately close the fraudulent account number XXXX and remove any charges associated with it. 
2. Conduct a thorough investigation to ensure there are no other fraudulent accounts or transactions associated with my name. 
3. Provide written confirmation that the account has been closed and the fraudulent charges have been removed from my credit report. 

Please consider this letter, the attached police report, and my XXXX orders as part of my formal dispute. I appreciate your prompt attention to this matter and expect to receive a resolution within the XXXX period as specified by the Fair Credit Reporting Act ( FCRA ). 

Should you require any additional information or documentation, please do not hesitate to contact me at XXXX or XXXX Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX XXXX : * Police Report * XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

On Saturday  XXXX / XXXX / 17  at  XXXX   XXXX , I went to this bank to access my safety deposit box. I arrived there well before closing hour (  XXXX  ). I was told I could not have access to my safety deposit box because the timer was on and the door would not open. I work during the week, so the weekend is the only time I can access my safety deposit box. I am urgently in need of paperwork that I have stored in that box and my bank will not allow me access to my belongings. The bank never made clear to me in a policy that they have the right to seize and withhold my belongings from me.     My bank info and location :  XXXX   XXXX    XXXX   XXXX   XXXX   XXXX    XXXX   XXXX , NY  XXXX   XXXX
Product: Checking or savings account

On XX/XX/2022 Fifth Third Bank charged my checking account a fee of {$4.00} for an International Transaction Fee. I have not traveled out of the country and have not made any purchases from an international vendor. When I reached out to Fifth Third Bank, I was told that this was due to a XXXX Transaction with a company who has an International Headquarters. The XXXX Transaction was completed on a US website in US dollars and shipped from Wisconsin. The transaction did not involve any International components at all. Rather, only that the parent company that the purchase was made from was located Internationally. 

The representative from Fifth Third informed me that this happens all the time and that the bank can charge an International Transaction Fee for purchases made through XXXX and XXXX where the vendor has an International Headquarters, regardless if the transaction was conducted in the US, paid in US dollars, and shipped from a US location. 

After an hour on the phone and multiple transfers to other departments, a representative was finally able to reverse the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing concerning my request that the BANKRUPTCY placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. XXXX, Equifax and XXXX have willfully refused to acknowledge my request. In the attached documentation you will see that a forensic search proves my name and case for the above mentioned bankruptcy does not appear. Therefore it NOT possible for the bureaus to say the account was VERIFIED/VALIDATED. I will also note that it took several months and an Act of XXXX to get the BK Courts to respond to me concerning my own case. They emphatically state that THEY DO NOT RESPOND TO 3rd PARTY REQUESTS. I demand EQ XXXX XXXX validate this information by law 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and  completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.