23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX an account was opened with XXXX XXXXSYNCB to finance gutter replacement on my home for {$7900.00}. On XX/XX/XXXX the installation took place & was completed, immediately there were issues with the work. I contacted XXXX of XXXX directly beginning in XX/XX/XXXX to have the numerous issues resolved, including damage to my property, my calls went unanswered. In XX/XX/XXXX I did receive a call from XXXX of XXXX in which they stated they were on their way to my home to fix the gutters, no one showed up or called to state they would not be coming. I called XXXX multiple times after this with no resolution & in XX/XX/XXXX informed them, I would be having their gutters removed & they could come pick them up. It became clear that I would not receive resolution with the company directly. 
In XX/XX/XXXX after having made payments to XXXXSYNCB XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I contacted Synchrony directly in XX/XX/XXXX to dispute this transaction with the credit card company. Since then, Synchrony has done nothing on my behalf to aid in the dispute of this transaction. Synchrony has stated in their claim denial letter that the merchant is working in good faith and has been in contact with you regarding your concerns and Synchrony Bank can not judge the comfort level of purchased merchandise. I have reasserted this dispute with Synchrony In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX of XXXX has not worked with me in any capacity, certainly not in good faith, nor has Synchrony bank. Overall this complete process in hindsight has felt like a scam, with XXXX and Synchrony working together to defraud consumers. 
I am submitting this complaint to the CPFB, the NY State Attorney General and will also provide a copy to XXXX of XXXX and XXXX/SNYCB.
Product: Credit reporting, credit repair services, or other personal consumer reports

This card is issued by XXXX XXXX XXXX pursuant to a license by XXXX XXXX. XXXX is a registered trademark of XXXX XXXX XXXX.XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Application Number XXXXXXXX, WY XXXXWe’ve helped protect your identity.Dear XXXX XXXX:We’re XXXX XXXX XXXX and we handle everything related to the XXXX XXXX XXXX credit card.We received the correspondence you sent to the Consumer Financial Protection Bureau(Ref. No. XXXX). You indicate an application was submitted for a XXXX XXXX XXXX XXXX XXXX credit card using your personal information. You did not authorize anyone to viewyour credit file and state it is a violation of the FCRA. You request documentation validating yourauthorization or the inquiry deleted from your credit file immediately.No account was opened in your name. We requested the credit reporting agencies remove theinquiry from your credit report. It may take up to 45 days for the credit reporting agencies to updateyour credit report.We suggest you take the following steps to help protect your identity: Place a fraud alert on your credit reports. A fraud alert tells creditors to contact youbefore opening a new account or changing an existing account. You can do this bycontacting any one of the consumer reporting companies mentioned below. The one youcontact will notify the others to also place an alert on their files.XXXX XXXX Equifax (CBI) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX0XXXX www.equifax.com XXXX File a report with your local police or the police department where the crime tookplace. Many police departments have a special Identity Theft Report that we recommendyou obtain to protect your rights. Visit the Federal Trade Commission’s website (www.ftc.gov/XXXX). It providesadditional information and helpful resources for dealing with identify theft.Please accept our apologies. We’re sorry for any frustration or inconvenience this matter mayhave caused you.If you have any questions, please contact our Account Protection (Fraud) Team at XXXX XXXX Sincerely,XXXX XXXXCompliance Dept. – Consumer Responsescc: Consumer Financial Protection Bureau
Product: Debt collection

I have been a victim of identity theft for 0ver XXXX  years. This time I have had a " take over '' scenario where an XXXX XXXX has used my identity to not only rent a homes, buy and register cars, open bank accounts, open several credit cards, utilities, cellphones, etc. Not only did this guy ( XXXX XXXX XXXX trying to buy a handgun in my name  ) pay bills for years and one time, but at some point ( maybe due to the XXXX  ) he stopped paying the bills and they went to collections. I was contacted by an agent from XXXX XXXX regarding it. 

I have provided not only all XXXX credit bureaus and the banks, merchants, and anyone else I am aware of to contact to provide them the copies of my identity theft report and proof that these accounts were not mine nor opened by me. However, Synchrony Bank hold multiple accounts that were opened in my name, I believe XXXX accounts. They allegedly conducted their own investigation using information that was provided to them from the imposter in the first place. How can you conduct a fair and impartial investigation using your own investigators ( not neutral ) and using fraudulent information? Of course they think it was me, they were fooled in the first place to opening the account.

Even though I provided them ALL REQUIRED documentation under both federal and state laws that were designed to protect consumer and victims of identity theft, they have completely disregarded these laws and refuse to absolve me of this debt and are continuing to report these accounts on my credit reports and attempt to collect these debts, knowingly and willfully after being made aware they are fraudulent. That is a huge no-no.
Product: Debt collection

Sent alleged debt to a local debt collector and was never notified of debt. Called after the left they left fake court papers at my brother 's house with little to no information. Called and spent days to try and get the information on the debt to find out it was an account that had charges that were not mine on it and disputed with original creditor as fraudulent charges and I thought was taken care of to find out this information.
Product: Consumer Loan

I applied for the loan on XXXX XXXX 2015 and a deposit was made on XXXX XXXX 2015 through XXXX Installment Loans. The company stated the effected date was on XXXX XXXX 2015 and also stated " I may get funds earlier ". The effective date obviously was on earlier. They requested an electronic signature before the funds were available and made the deposit before I could refuse the loan the next day. I then received notice of payment on XXXX XXXX 2015 for payment on XXXX XXXX. A payment on XXXX XXXX 2015 was deducted from my bank account by XXXX Installment Loans. The " Terms Agreement " was not received to my knowledge during the deposit or signature. I opened my account information and it was available at a later date on there website. I have read about the company being a scam and it 's legitimate that they backed out of their own contract. The interest is over what the government would allow. It 's at 800 % interest and they have my SSN, bank info, and work info.
Product: Credit reporting or other personal consumer reports

YOU STATED IN MY LAST DISPUTE I SUBMITTED ON HERE ; that you sent proof of the debt to my mailing address, I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( XXXX ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means.

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) Im unaware of this debt, I did not receive proper notification if in fact you believe you gave me proper notification then please send me/provide the certified mail with a receipt with my name on it, my signature stating that I received it, if you can not provide that you need to delete this off my consumer report!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts on my credit report that I did not give permission for. Ive tried contacting the companies since XXXX. Recently in XXXX of XXXX Carter Young was taken off my report due to non verification. It just popped back up around XXXX. The credit companies are saying it is verifiable, but I have not been provided with anything. XXXX XXXX is also ignoring me in trying to fix this situation.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and I notice i have some fraudulent accounts on my report. remove these accounts from my report they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} ; 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 MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am asserting that this debt is not valid and is unauthorized. I have not had any prior knowledge of this account, nor have I ever entered into any agreement or contractual arrangement with the creditor associated with this charge. To help you properly investigate and resolve this dispute, I kindly request that you provide me with the following information : Please provide detailed documentation that substantiates the validity of this debt. This documentation should include the original creditor 's name, the date of the last account activity, and a copy of any written agreement or contract that binds me to this debt. 

If this info can not be provided please remove this unauthorized account within 30 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous requests to update my personal information correctly to XXXX and Transunion they have continuously ignored my requests. 

Please tell XXXX to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please tell Transunion to delete the following addresses and names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

An attempt was made to pay my mortgage on XX/XX/XXXX at XXXX EST via Flagstar.com 's online loan servicing portal. Flagstar restricted my ability to make a payment prior to the end of the month. A message was shown that my account was ineligible to use one-time online bill pay. This happened approximately one year ago as well. This restriction prevents customers from paying their mortgage and incurring additional late fees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling disputes particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times. And reporting discrepancies. My financial institution and Zelle failed to investigate my claims adequately they informed me that recovering lost funds was impossible and that tracking these transactions were unfeasible. The CFPB findings indicate that Zelle. Has not only neglected to protect consumers. But has also allowed repeat offenders. To exploit the system and leave users vulnerable to scams.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services has been paid in full, they have added a remark that the account has been closed. The account has been PAID IN FULL. Due to the account being classified as " CLOSED '' this reflects as a negative mark on my credit. This account has been PAID IN FULL, there have not been any late payments, this account should be in GOOD standing, yet Wells Fargo Dealer Services has classified this as a CLOSED account with negative/derogatory status. 
Please CORRECT this on XXXX XXXX.
Product: Credit reporting or other personal consumer reports

TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


XXXX XXXX XXXX XXXX outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


XXXX XXXX XXXX $ XXXX 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 XXXX business days after the date of receipt. 

XXXX XXXX Code XXXX Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM WRITING TO DISPUTE THE FOLLOWING INFORMATION THAT IS REPORTING ON MY XXXX CREDIT REPORT ON XX/XX/2021 I SENT XXXX PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT ON XX/XX/2021 SHOWING THEM AND PROVEING TO THEM IM A VICTIM OF IDENTITY THEFT AND THEY ARE STILL REFUSING TO REMOVE THESE FRAUDULENT INQUIRIES I CANT EVEN LOCK MY CREDIT REPORT ONLINE TO STOP THESE FRAUDULENT INQUIRIES THREW THE XXXX WEBSITE OR ANY WEBSITE BECAUSE OF XXXX I CALL THEM AND TELL THEM ABOUT WHAT IS GOING ON AND ABOUT THESE FRAUDULENT INQUIRIES AND WHY I CANT EVEN LOCK MY CREDIT REPORT AND THEY TELL ME THERE IS NOTHING THEY CAN DO ABOUT IT I WANT ALL THESE INQUIRIES STOPPED BY LAW WITH PROOF OF POLICE REPORT AND IDENTITY THEFT REPORT THE ARE SUPPOSED TO REMOVE THESE FRAUDULENT INQUIRIES AND HELP ME LOCK MY REPORT
Product: Debt collection

On XX/XX/XXXX Bank of America XXXX was permanently closed with fully paid balance. since I got married I have joint to my husband jibe account credit card. when I applied for loan din XXXX I learned that my credit score is very low due to negative impact Bank of America credit card report. The was outstanding balance for unauthorized charge of {$89.00}. due to that amount they reported six negative late payments from XXXX to XX/XX/XXXX and 63 derogatory marks, appeared on my XXXX and XXXX report. 
on my Expirian report appeared as acc # XXXX and states that this account was charged off as XX/XX/XXXX I have made several attempts to contact BOA in XXXX and XX/XX/XXXX just after I found out about my credit score issues. the made some empty promises to have resolved it promptly, however nothing happened to this day. 
I will attached correspondence with Boa from that time. 
Than your time and involvement in this case
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted The Credit Bureaus numerous times starting  XXXX    XXXX    XXXX  Present advising of incorrect reporting on my Credit report for a specific creditor  XXXX   XXXX   XXXX .  XXXX   XXXX  sold my debt to collections agency, meaning they wrote off the debt on their taxes which wrote off the obligation to pay. Contract was cancelled " NO CONTRACT ''.
Product: Mortgage

Effective XX/XX/XXXX, the account was granted a total veteran exemption. I emailed over the document I received from XXXX XXXX XXXX XXXX XXXX. I thought things were resolved when I received an Escrow statement dated XX/XX/XXXX reflecting the correct property tax assessment. My relief was short lived because I then received a new notice with the property taxes added back. At this point I am very disappointed in Mr. Copper and feel like the company is using the relationship that it maintains with XXXX XXXX to charge me additional late fees and to keep my account in bad standing. If the escrow analysis reflected the true information, my payments would be lower and much more affordable. Please help
Product: Checking or savings account

I had an account with td bank they are saying I owe them XXXX in fees I had fraud reported it they closed my account and also I paid high fees the last year I had it which is XX/XX/XXXXto XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXXXXXX XXXX XXXX XXXX  Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite XXXX-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX Employer - XXXXXXXX XXXX Employer - XXXX XXXX XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, PA, XXXX Employer - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX  - XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXX XXXX XXXX XXXX XXXX XXXXXXXX fl XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1994 My only employer is XXXX XXXX  I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the U.S post office and they are not reportable as per the FCRA, since they are inaccurate.