23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chain of events : - I made a purchase with a merchant, Value City XXXX, on XX/XX/XXXX of {$2300.00}. It states on my receipt that I have a 12 month no interest plan. 
- On XX/XX/XXXX, there was a fraudulent charge on my account around XXXX of XXXX of {$2400.00}. 
- On XX/XX/XXXX, I disputed the fraudulent charge and Synchrony bank created a new account for me and closed the original account, and the fraudulent charge was removed. 
- While still making the minimum monthly payments, I was charged interest on XX/XX/XXXX ( {$26.00} ) and XX/XX/XXXX ( {$25.00} ). I noticed this on XX/XX/XXXX and contacted Synchrony bank that day to have those charges removed and request that the promotion that I was supposed to have get re-added, since somehow it went missing during the account transfer. I was told they'd create an incident and should have been resolved in few business days. 
- On XX/XX/XXXX, I call Synchrony again as I did not get a resolution, and was told it'd be escalated within XXXX business days. 
- On XX/XX/XXXX, I received an e-letter stating that they can not fix the promotion because it's been over 6 months since the date of the transaction, and that I am held responsible for the interest that has been charged on my account. 

On an additional note, I did not use my credit card even once yet somehow someone was able to use my credit card and make a fraudulent charge should be 100 % investigated, because something doesn't seem right about this. My credit card account was opened on the date of transaction and was shipped to my address, and it sat on my desk and never was touched after. I never made a physical nor virtual transaction with the card since I opened the account. The only thing I have done was setup my profile with Synchrony and make payments. I'm being told they can't do anything after 6 months of purchase and yet the first interest charge was 6 months after the purchase, which seems like more than a coincidence since the only people who had access to my information were the ones who created the account.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint of Inaccurate Reporting Under the FDCPA and FCRA To Whom It May Concern, I am writing to file a formal complaint regarding the inaccurate reporting of my [ Creditors Name ] account, which violates provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific discrepancies and issues with the reported information : RE : XXXX XXXX  Account Information : Credit Limit : {$200.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Account Closed : XX/XX/XXXX Reported Balance : {$0.00} Payment History Discrepancies : For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, XXXX payments were made and posted. 

For the year XXXX, only one payment was posted in XXXX, but no payments were reflected for the first 11 months. 

This account was a secured account, and despite making timely payments, the secured funds were never returned upon the accounts closure. Additionally, the reported information lacks consistency with my payment history and financial records. 

FCRA Violations : Under the FCRA, credit reporting agencies and data furnishers are required to ensure the accuracy and completeness of information included in consumer reports. Specifically : Section 611 of the FCRA requires credit reporting agencies to reinvestigate disputed information to determine its accuracy or delete it if it can not be verified.

Section 623 obligates furnishers of information to provide accurate and complete data and correct any identified inaccuracies. 

The reported XXXX balance, coupled with inconsistencies in payment posting, creates a misleading record of my creditworthiness, which has directly impacted my financial standing. 

FDCPA Concerns : Furthermore, the FDCPA prohibits deceptive and unfair practices by creditors and collectors. Failing to reflect accurate payment information and withholding secured funds upon account closure may constitute deceptive practices under the Act.

Requested Action : I am requesting the following : A thorough investigation into the accuracy of the reported account information.

Immediate correction or removal of the inaccurate data from my credit report. 

A written explanation of the results of your investigation, as required by law. 

I am attaching supporting documentation, including my payment records and account statements, for your review. Please confirm receipt of this complaint and provide a response within the timeframe prescribed under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that your agency didnt make sure it was reporting 100 % correct. 
In accordance with the fair credit reporting act, everything has to be 100 % accurate on my credit report and under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate My car was taken as well as my social as well as my sons I have monitored my credit for the past months as well as paying for the identity theft service. 
XXXX bank account is fraudulent I have contacted them personally in which I am waiting for a response. 
I personally enjoy sofi for which I use them for my online banking but this credit situation is quite frustrating.
Product: Credit reporting or other personal consumer reports

On the evening of XX/XX/23, I received an email notice that a new line of credit was opened on my credit report in the amount of ~ {$16000.00} through XXXX XXXX XXXX. I did not open a new line of credit. Being a Saturday night, I was not able to contact customer service, though I tried, and information was given on their website that some customer service lines were open over the weekend, but none actually were. 

I believed my passport had been stolen a few months earlier ( XX/XX/23 ), like I said. Fearing that identity theft had occurred, I tried contacting every Experian number I could find, but none were open. I feared that another loan would be taken out in my name. I cancelled my passport on XX/XX/23, believing that that's how the identity theft occurred. 

On Monday, I called Experian 's customer service, who directed me to speak with the XXXX XXXX XXXX. I called them and explained that I believed identity theft had occurred. They could not find my information in their system. XXXX XXXX XXXX told me to contact Experian and explain that a " XXXX Account '' had occurred, which is an error in data management. 

When I contacted Experian in the evening about this merged account, they were able to resolve it, though they did not work thoroughly when I contacted them that morning. The merged account was an oversight until I told them that there were merged accounts. 

Due to Experian 's data management error, I reasonably and responsibly canceled my passport on XX/XX/23. After resolving the merged accounts, I found my passport around XX/XX/23. I requested to many different divisions of Experian that I be compensated for the out-of-pocket cost associated with replacing a passport. I would not have canceled it if it were not for their data management error. 

They connected me with an insurance representative who told me that they were unable to help me since no identity theft had occurred. I then contacted Experian again and requested to speak with a supervisor about possible restitution. He explained that he is unable to provide any kind of restitution. He advised that he had filed a formal complaint, and he told me where I could as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous items. The 3 credit bureaus must verify these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be updated from erroneous reporting in my file. 

XXXX XXXXXXXX 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
Product: Money transfer, virtual currency, or money service

I cancelled 2 money orders in XX/XX/XXXX and ordered a stop on the money orders because it was lost. Western Union send me a letter in XX/XX/2019 to send {$15.00} for each money order to receive my 2 refund check money order. Then I called today XX/XX/2019, customer service and the 2 money orders have been cashed and the refund of {$15.00} for each money order customer service said it is for a copy of each money order. I never asked for a copy of the money order and I wanted only my refund. 
Western Union stole my {$30.00} that I send to receive my refund money orders!.
Product: Credit reporting or other personal consumer reports

RE Account Numbers- XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX Navy Federal Credit Union, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint started on XX/XX/2022, My equafax report was completely erased, I have been trying to get my active accounts reinstated, but I have had no success even though the agents can see them and all documents has been submitted and still no results, had full report with credit score till the end of XX/XX/2022. And now my my credit score is not there in order for me to finish my refinance for my house, have been paying penalties since. 
Can someone PLEASE HELP.
Product: Credit reporting or other personal consumer reports

XX/XX/year>XXXX  credit karma sent a notification that I was pre approved for a credit card and that I needed it to improve my score. I applied, I WASNT approved and it HURT my credit score and it continued! So many inquiries I did not solicit.
Product: Debt collection

I previously requested that this agency validate the debt and they failed to do so. I have sent multiple certified letters starting in XX/XX/2018. The credit bureau removed the information and the collection agency placed the information back on my report almost one year later. Also I receive multiple calls a day from a VoIP number coming across as a local phone number.
Product: Debt collection

I am victim of identity theft and these accounts : Adjustment Account for {$18000.00} is fraudulent. Cfpb, this not the same complaint for XXXX. This formal complaint regrading identity theft has official my police report attached for the issue at hand regrading my identity being stolen. I never had this account and this is identity theft and needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Found these accounts and inquiries on my credit report : 1 ) XXXX : {$1900.00} opened XX/XX/XXXX 2 ) XXXX   XXXX : {$310.00} opened XX/XX/XXXX 3 ) XXXX XXXX/XXXX XXXX XXXX  : {$120.00} opened XX/XX/XXXX 4 ) XXXX XXXX XXXX XXXX XXXX : {$1400.00} opened XX/XX/XXXX 5 ) XXXX XXXX XXXX XXXX XXXXXXXX  : {$540.00} opened XX/XX/XXXX 6 ) XXXX XXXX XXXX : {$2500.00} opened XX/XX/XXXX 7 ) XXXX XXXX XXXXXXXX : {$460.00} opened XX/XX/XXXX Inquiries 1 ) XXXX : opened XX/XX/XXXX 2 ) XXXX XXXX : opened XX/XX/XXXX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Updated : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : XXXX XXXX XXXX / XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX Credit Collector Serv XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.
Product: Debt collection

MACY 'S / DSNB is stating on my credit report that I owe them {$3000.00}. This debit is part of a Federal Debt Relief Program and my account is in good standing. I am enclosing the statement on my Credit Report and a Letter in Good Standing. The total amount due is under {$300.00} and the derogatory statement should come off my credit report and the balance should reflect the actual amount due.
Product: Credit card or prepaid card

I've been waiting on a claim I submitted since last XXXX. I've been given no information, no provisional credits, and I've had to verify my identity at the actual bank 4 times??? I just found out the claim that was submitted in XXXX was duplicated by the customer service agent of the claims department. So while I'm waiting for that claim to be withdrawn, the agent filed 3 more on my behalf due to the misinformation relating to the other claim. My complaint is on my new claims .I haven't received any provisional credits, and I haven't heard anything. It's been over a year since this whole situation started. I understand there was an order and a fine that was brought on by " the office of the comptroller of currency " and " CFPB '' XX/XX/2022? WHO is enforcing this order since the bank is clearly not complying. Thank you for your help in this matter
Product: Credit card

Made trip reimbursement claim with Chase Sapphire Preferred credit card Eclaims Center. Flight was cancelled by XXXX XXXX, not my fault, on XX/XX/2023 from XXXX XXXX , I had paid XXXX XXXX XXXX XXXX {$2100.00}, because XXXX XXXX  was a no show, hotel did not reimburse me for that night as per their cancellation penalty If cancel within XXXX XXXX XXXX XXXX XXXX before arrival or customers are no show, XXXX XXXX XXXX XXXX XXXX will be charged as cancellation penalty. I asked Chase Credit Card to reimburse me the XXXX XXXX  that I lost due to the flight cancellation and they closed the claim after sending more than XXXX documents explaining the situation. I called their customer service line multiple times and always got same response, claim examiner will call you, I am still waiting for that call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have wrote to Sage Stream LLC to put a security freeze on my Sage Steam credit report. and for Sage Stream LLC to send a confirmation letter when it is file. I am yet to receive a confirmation letter
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I wrote to Equifax telling them that there was incorrect accounts and derogatory marks. I then followed up with another letter on XX/XX/22 stating that they have 30 days to comply. I have not heard anything back from them yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Apparently there are algorithyms used by credit reporting agencies that " CODE '' your dispute based off key words in your dispute, like " not mine '' or " bankruptcy '' or " never late '', and within hours to days, you get a computer that sends an automatic reply to you saying your dispute has been " investigated ''. Something that many credit reporting agencies are well aware of and likely CFPB, so making any type of " complaint '', does NOTHING. STILL, I will NOT STOP until I get past the Algorithyms and get some who will ACTUALLY look a things. 

my credit score with Equifax MYSTERIOUSLY went from XXXX with EQUIFAX to a XXXX!!! in a WEEK!!!! 

Although NOTHING with ANY of my current creditors has changed. What they have done NOW is to go BACK into CLOSED BANKRUPTCY CREDITORS ACCOUNTS, and make DEROGATORY comments, and even allow for old creditors to change comments from Bankruptcy Chapter XXXXDischarged to LATE/COLLECTIONS or LATE/CHARGED OFF or LATE PAYMENTS and how many. 

Some of these account date back to XXXX!!!! THEY SHOULD NOT EVEN BE ON MY REPORT! 

I WANT ALL THESE THAT ARE OUTDATED, REMOVED. I WANT ALL THE COMMENTS REMOVED and RESTORED to BANKRUPTY/CHAPTER XXXX. 

I don't know how someone who has worked for 3 years to rebuild and has EXCEPTIONAL payment history SINCE, suddenly and without explanation, DROPS XXXX points!!!! 

EQUIFAX has some explaining to do!
Product: Money transfer, virtual currency, or money service

I've used Zelle and my money would not go to the right person also money was sent to me thru Zelle that I never received and was told it could not be found when I called to speak to them.
Product: Debt collection

A collection agency Resurgent is trying to collect a debt that they say I owed to Syncovus Bank ( or the new owner of the debt XXXX XXXX  ) I spoke to Syncovus. They have absolutely no record of any debt I owe to them or a customer of theirs. 

The debt collector said they would mail me a written detailed explanation of the debt. They have not sent such documentation. 

The will only repeat that I owe to XXXX XXXX which purchased a debt from XXXX. 

I receive daily emails harassing me about a debt that I have no evidence belongs to me. Here is the contents of one such email -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX, First, I wanted to thank you for visiting our Payment Options page. Hopefully you had a chance to review all of the options available for you. 
That said, if you're experiencing financial difficulty and would like to discuss options other than what you saw on our website, please let me know. Even if you're not able to pay right away, I'm sure we can work something out. 
Hope to hear from you soon. 
Click here to review options Please review your account details below : Original Creditor : Synovus Bank Current Owner : XXXX XXXX XXXX Account Number : Ending in XXXX Resurgent ID : XXXX Current Balance : {$410.00} View My Account Have questions or need assistance with your account? Hit reply to this email or visit the Contact page of our website here to connect with our friendly and knowledgeable Customer Care Team. 
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Copyright 2023 XXXX XXXX XXXX, XXXX. All rights reserved Phone : XXXX ( XXXX ) XXXX Physical Address XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX General Disputes/ Correspondence XXXX XXXX XXXX XXXX XXXX SC XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Hours of Operation : Monday - Thursday XXXX EST Friday XXXX EST Saturday XXXX EST Sunday XXXX EST Resurgent Account ID : XXXX Ref Code : XXXX Privacy | Unsubscribe THIS COMMUNICATION IS FROM A DEBT COLLECTOR. THIS IS AN ATTEMPT TO COLLECT A DEBT, AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.