23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. section 1681i section 611. 
states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending countless letters appealing to Experian to verify the disputed account and remove them if unable to prove that the Items are mine. Experian is failing to block or remove the account from my report. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! PLEASE DO NOT IGNORE my request and DELETE the account which I do not own. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

My student loans were in default. I completed student loan rehabilitation and then my loans were transferred XXXX XXXX to XXXX XXXX XXXX. All my XXXX XXXX loans are closed except XXXX that is showing open and I am over 120 days past due. I have verified with the National Student Loan Registry Database as to my student loan servicer and none of them are with XXXX XXXX or Navient. I called XXXX XXXX & Navient directly and they do not have any loans in their database for me. They told me to call Navient as some loans got transferred to them. I contacted Navient and they too told me that I have no student loans with them either. I have now disputed this charge on my XXXX credit report 4 times and they still say that I own this money and I am past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I got a alert from XXXX that my balance increased on my XXXX XXXX XXXX XXXX  to XXXX dollars which is Inaccurate. My current balance is XXXX a big difference. Per the Fair Credit Reporting Act in asking the credit bearus fixed this immediately and promptly. I took a screen shirt of the inaccuracies
Product: Credit reporting or other personal consumer reports

One of three credit bureaus reported that has been not removed by Lending Points unresolved yet ( XXXX ) because debt management settlement program has been working on negotiation teams with them but not settlement yet
Product: Credit reporting or other personal consumer reports

XXXX XXXX is incorrectly reporting a debt on my credit report. XXXX, XXXX and XXXX. According to 15 U.S. Code 1692g - Validation of debts. I respected a copy of a contract that I agreed to pay this debt and that I am the owner of this debt. They have not provided any documentation that I owed this debt. I am a victim of Identity, and this is not my debt. They have not provided me with any validation. I am a victim of identity theft. I will be force to take legal actions if this is not deleted from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX5 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX. They have my name listed as XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. This is my father not me and those names need to be removed. They also have a address at XXXX XXXX XXXX XXXX XXXX  texas. This is my sons address not mine and does not need to be on my credit report. I have never lived at that address. I am attaching documentation to prove that is not my address nor my correct name on my credit report.
Product: Credit reporting 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/block any items 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. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I moved from one rental house to another, about 5 miles, on XXXX-17 and transferred my XXXX XXXX account to the new location after being at our previous location for about 30 months. 

Upon checking my credit report with Equifax, I find XXXX did a hard inquiry on my credit report. Clearly this was not required as they know my history for the past 30 months and all bills were paid and on-time. What is most concerning is this request was not done with my permission.
Product: Credit card or prepaid card

Hi, My Name is XXXX XXXX And I would like to report an unusual act with a credit card company! 

I applied for services that help increase credit building. I jsigned up and was approved for a secured card called Milestone gold/ Genesis fs card with a deposit of 125 dollars, With an approved amount of 500. 

My card came in the mail around about XXXX sometime and I ordered some items because my son and fiance birthdays were coming up and I wanted to buy gifts. 

I paid the amount back right away a few days or maybe it was the next day, However on line. 
And everytime I paid the full payment, the company kept reversing the money back And with out it ever showing up on my account. 
I even tried other ways by calling on the phone paying it through the automated machine, And as always it seems to be going good except the payment is always reversed back and eventually ruining my credit and constantly reporting it to my credit. 

After months of just humiliation, I was able to call and speak to someone because before I called someone mentioned that they aren't able to take payments over the phone only online or automated. 

So I didn't understand that when I called this time and I addressed my concern and the person took my payment, stating that the money has ro be reflected on the account at least 14 days prior in order for the payment to be processed. 

But this day it went through less than 48 hrs, Then they send me a letter saying the company has made a decision to process my payment differently from the other customers as if I am so much better than the rest of the people. 

I only wanted to pay them back, And received all this havoc and kids dealing with this company. 

I can't say, I am Happy! 

I believe that this is a fraud matter!! 

Thank you!!
Product: Debt collection

I was contacted today XX/XX/XXXX by Synerprise Consulting Services in regards to a medical debt that they claim that I owe in the amount of {$150.00} for XXXX services per the representative. I requested the dates and was told in XX/XX/XXXX. I advised the rep that I did not have any procedures done in XX/XX/XXXX and to please send me an itemized statement. I was provided an email address to email a supervisor my request. I sent an email 10 minutes later and called them back. The rep that answered then provided me with a website to pull the statement and he stated that the services were in XX/XX/XXXX. Again, no medical procedures in XX/XX/XXXX were completed. The statement is very vague and I was advise to contact XXXX to get more information. I have not received anything in the mail from this company or any valid information involving this alleged debt. This item is not reported on my credit report which has 0 collection items and I would like for this to be resolved asap, however, all the company wants me to do is blindly pay for something that they are not providing me sufficient information on to validate.
Product: Credit reporting or other personal consumer reports

I have several reporting that are false and inaccurate on various public records my name birthdate ssn and phone number numbers have been leaked since 2011 and Im still dealing with the effects of it all I have not been able to secure finances or employment and many others because of this. Im requesting that in accordance with all constitutional statues that my all information that has been reported that my seem harmful or negative to my overall well being be deleted immediately without delay
Product: Checking or savings account

Good Afternoon, I opened a HUNTINGTON 25 checking account around the beginning of XXXX. This process was awful from the beginning. The advertised terms were deposit $ XXXX for 3 months and receive a {$500.00} sign up bonus. I opened an account with Huntington and then initiated a transfer. Approximately one week after initiating the transfer, the money had not been successfully showing in my Huntington Account. I called Huntington around XX/XX/2020. I was told my account was on a Fraud hold and I needed to show ID in branch. I was not informed proactively of this hold on my account. That is very shady in my opinion. How can you have someone's {$25000.00} transfer for their personal XXXX XXXX XXXX XXXX account on a fraud hold without letting them know. My Deposit showed with an effective date of XX/XX/2020 with Huntington. 

On XX/XX/XXXX or XX/XX/XXXX I had yet to receive my {$500.00} promotion. I called Huntington and asked why. They informed me it was because the deposit was classified as a credit, not a deposit. To me, putting money in bank account is a deposit, the method of transfer is irrelevant. If I would have deposited the $ XXXX in cash I would have had a anti-money laundering SIR opened against me. Therefore, transferring and having an electronic record of from where the funds are coming are the better, safer way of depositing money. I asked the representative to open a case for research on my behalf. I was told my case number was XXXX. 

I contacted Huntington bank on or around XX/XX/2020. I provided the case number and the representative put me on hold. About 10 minutes into my hold the phone disconnected. I tried to call back. A day or so later I called again, was put on hold by the rep and about 10 minutes later the call disconnected. 

Today, XX/XX/2020, I called and spoke to a representative. Before putting me on hold, I explained to her that this has happened in the past and the call disconnected. 18 minutes into the phone call the call disconnected while still on hold, again. Fortunately, the Representative called me back. I was told my account was not eligible for the bonus as it was not 'new money ' because it was transferred from another account as its deposit and not cash or check. As a consumer, reading 'new money ' I interpret that as money not with Huntington . 

To me, this is a classic example of a bait and switch. Completely unfair advertising practices and taking advantage of people. 

Please review this and help my wife and me. We are trying to start a family and need to have IVF. We must pay out of pocket for all of our IVF treatments and the $ XXXX we deposited is the money we have set aside for the procedures. The {$500.00} bonus was very important to us to help start a XXXX if we're fortunate enough to have a child.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to the inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and Regulation E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed dispute letters in XX/XX/XXXX pointing out factual inaccuracies and differences reported between bureaus of the same accounts asking for deletion. After getting a response of updated or verified, I sent another letter in XX/XX/XXXX, pointed out inaccuracies again, asked for deletion and their method of verification and the documentation received from the original creditors to validate their reporting, which is inaccurate, and they did not provide specific verification information or any supporting documentation. I mailed another letter today, XX/XX/XXXX informing the bureaus to delete once again, noted the factual inaccuracies in reporting, and informed them I will be reporting to CFPB.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had three late payments on an account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. According to 15 USC 1681a ( 2 ) ( 1 ), the term consumer report does not include any report containing information solely as to payment history or utilization between the individual and the company making the report. So even reporting a late payment on a consumer report is a violation, according to the FCRA. 
XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

XXXX complaint against Wells Fargo. They are playing games with me. After bringing my account current and paying the reinstatement amount to bring my account out of foreclosure, and confirming 3 times by phone there are no other legal fees or other fees due, I received a letter saying my escrow is in arrears. I filed a complaint about that. They say I owe the money. Fine. Then I receive a letter dated XXXX from Wells Fargo including a check for {$100.00} because they discovered after reconciling my mortgage account I 'm owed a refund for some fees that were overstated. Then I received a check for mystery fees. Then I receive a letter dated XXXX from XXXX XXXX XXXX, lawyer for Wells Fargo saying I have to send {$40.00} to XXXX XXXX court for an unfilled Discharge XXXX. What? Huh? I do n't know what that is but I have to send the document and a check to the court. 
In good faith I brought my account current and paid the full reinstatement amount and was assured no more legal fees, or fees or anytime. Then I get a check for a refund for mystery fees. Then a lawyer letter I owe {$40.00} to a court? Not to mention I received a postcard in the mail for a class action lawsuit for property inspection fees and we 're a part of that too. 
I do n't understand why this is happening. I paid a reinstatement amount and my monthly mortgage and the saga continues?
Product: Credit card or prepaid card

Last month my stimulus check was deposited into an old Netspend account that I no longer had a card for. I requested a replacement card via the automated service and still have not received it. I have called every day at all hours of the day or night, and no one answers the phone. I have also emailed them three times with no response. I have been on hold for over an hour only to be disconnected. I am an out of work single mother and need that stimulus. Can you please help me resolve this issue? I am angry, frustrated and just want to know when my card will be sent. Thank you for any help you can provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within XXXX XXXX. Please check the accounts listed below. I believe it was reporting in error. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, PLEASE CORRECT ALL BUREUS, ESPECIALLY EQUIFAX.
Product: Debt collection

Source RM sent me a debt collection letter in the mail dated XX/XX/2021 for an old debt ( time barred ) from XXXX XXXX XXXX in the amount of {$8200.00} dollars. I dispute the validity of the debt and the collection efforts by the debt collector because I believe that it has been 4 years since the last payment was made to the disputed loan account. The statute of limitations under California law to collect this old debt is already in effect and Source RM should stop all efforts to collect it and to contact me about it. Also, I believe that the debt collector is making a threat to me because the letter states : " a negative credit bureau report reflecting on your credit record may be submitted to a credit reporting agency ''. I believe this kind of action is a violation of FDCPA.
Product: Checking or savings account

On XX/XX/2019, at XXXX XXXX  EST, I received an unsolicited email purportedly from Synchrony Bank. The subject line was " A Trial Deposit Has Been Successfully Made to Your. The text of the email is blank except for a " Note '' that the email was sent by " Synchrony Bank, the issuer of your Account '' and that I " may receive serving emails even if [ I ] have requested not to receive marketing offers by email for [ my ] Account. '' The Note says that Synchrony is located at XXXX XXXX XXXX, XXXX XXXX, XXXX Utah XXXX. The email says that the originating email account is unmonitored so that I should not reply, and includes an identity theft warning with a link to the FTC website. 

I have never heard of Synchrony Bank and have not opened an account with them. Therefore, I am concerned that the bank or someone else has fraudulently opened an account in my name. 

I tried calling Synchrony Bank on various numbers listed on their website. Two numbers resulted in error messages. A third resulted in me being placed on hold for 10+ minutes. 

At XXXX XXXX  EST on XX/XX/XXXX, I received a second email from Synchrony with no text and the subject line " Action required on your application. ''
Product: Credit reporting or other personal consumer reports

There are multiple inaccuracies when reviewing my credit report, the dates open on many of my credit cards are inaccurate and inconsistent across all XXXX bureaus as well as their are miscellaneous inquiries on my account by the thousands from XXXX or more entities who have been accessing my account on far too frequent of a basis causing my credit score to be impacted heavily, also my credit score is no where near reflecting the accuracy of my credit payment history and utilization I only have XXXX credit cards showing late payments and my score reads incredible low compared to Great amount of on time payments history and credit rapport I've built up over time,
Product: Credit card

I was able to open a XXXX credit card that is facilitated by Synchrony Bank. I initially was approved for a {$400.00} credit limit with no interest if paid within 6 months. I made all of the payments on the purchases I made paid the balances in full before the promotional period was over. I thought I was doing a good thing and trying to build my credit by doing so. Shortly after I paid the balance of the card off I received an email from Synchrony bank stating that they are decreasing my credit limit to {$100.00} from {$400.00}. A month or so went by and I received another email from Synchrony stating they were closing my account and gave some very confusing reasons. I feel this is extremely unfair and I received this email the day after a major hurricane just went through Florida. Its extremely insulting and unprofessional. Also they are referencing a credit report by XXXX where I also have a dispute with a creditor XXXX  on there which they wont remove an illegal loan.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting 4 accounts in my credit reports that I never authorized or opened. The following 4 accounts are all due to identity theft ; XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... XXXX XXXX Attached, please find an identity theft affidavit filed with the FTC ( # XXXX ) and a police report. Pursuant to FCRA Section 605B, I am requesting the removal/suppression of these 4 accounts due to the fact that they are fraudulent and identity theft. Please remove XXXX XXXX  XXXX XXXX ... XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX ... XXXX from my credit reports.