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

This is the several times I've complained about being a victim of identity theft. The credit bureaus must remove any item that was 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 information relating to any transaction by the consumer. 


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
Product: Prepaid card

I have been a XXXX XXXX prepaid card customer since XX/XX/2015. The card was issued by XXXX, XXXX and serviced by XXXX XXXX, XXXX, XXXX. 
On XXXX XXXX 2015, I called customer service to request to close my XXXX XXXX prepaid card and get a refund for my balance. I spoke to XXXX in the risk management department, he asked me to send the following documents via email to XXXXXXXXXXXX : photo of front and back of my XXXX prepaid card ; photo of my Driver 's license ; photo of my social security card ; photo of a recent utility bill showing my name and address ; photo of me holding my driver 's license ( similar to a mug shot ). 

I complied his request and send the documents via email. On XXXX XXXX, XXXX called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last XXXX XXXX packs I used to add funds to my account. I could not provide these documents because I threw them away after using the XXXX packs. XXXX said he could not issue me the refund without the documents. 

Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check. 'They already have enough information to verify my identity. It is a violation of the term to request so much more documentation just to process my refund. And quite frankly, it 's ridiculous that I have to send in a 'selfie ' with my driver 's license in my hand. 

Please help me get my refund! Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtain a Mortgage with wells Fargo in XXXX. In XXXX of XXXX they sold the Mortgage to another Mortgage company. But before doing so they reported a late payment on my credit report for the month of XX/XX/XXXX. I have never been late on my Mortgage payments. I have reached out to them on multiple occasions but continuously hear that my late payment is valid. It is not!!! I sent an email to XXXX on XX/XX/XXXX. They still have not corrected this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the below accounts, has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent Transunion a incorrect/correct address dispute letter stating what address were incorrect and correct on XX/XX/2020. This letter was sent certified. Transunion failed to update my credit report with correct address information stated in documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX, cancelled my debit card that was not expiring until 2020. I had to make two phone calls and speak to several people for too long of a time period to not get any answers as to why my card was cancelled without my knowledge. <P/>When I went to my local XXXX XXXX ; the woman at the desk, apparently illegally requested another card on my behalf with out my knowledge which I was denied for ; I discovered in a letter by mail. <P/>When I called the company regarding my account, I was transferred to another country phone line whom told me that my U.S. public records are public to them as well. I was not assisted and transferred to a supervisor whom confirmed they were not in the United States. I did not authorize Reference number : XXXX I closed my account and withdrew my funds immediately. My public records should not be public, to just anyone, let alone outside of the United States of America. As well as, financial representatives should not be allowed to cancel debit cards that are not expired or closed, and should not be allowed to request new credit without my authorization and speaking with authorities confirming my so-called request. Also, I do not appreciate dealing with foreign workers, when the United States has so many unemployed people.
Product: Checking or savings account

I have disputed charges that were not mine back in XXXX, chase decided to reverse the charges without telling me before hand on the investigation. I try to speak to them get a status on opening a new claim so I can just close out the account they charge me XXXX $ everyday for over draft fee. When I ask to speak to manager I am being ignored or talked down to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX DPT ED/XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX US DEPT ED Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX XXXXI Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX* DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXXXXXX DPT ED/XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 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 a account without my written instructions.
Product: Payday loan, title loan, or personal loan

The interest they charge is way two high its tripple what I borrowed is this practice allowed? I borrowed XXXX and I owe XXXX and I have made 3 payments of XXXX and still owe XXXX I am been taken advantage of.
Product: Credit card or prepaid card

In early XX/XX/XXXX, I noticed a few inquiries on my credit report that I didnt initiate. One account was opened with Genesisfs Card Services, which services XXXX XXXX. Around {$1000.00} was opened, and a {$990.00} purchase was made on XX/XX/XXXX - the company provided me the receipt but most of it along with any supporting documents were not legible. I also filed a police report with XXXX XXXX ( my hometown ) around the same time, but requests to them were not successful and they couldnt find a record of my report. In XX/XX/XXXX, Genesis sent me a letter stating the case was not found in my favor due to receipt and their ability to contact me at the listed address. Exact written reason was : Billing statements and/ or written correspondences have been sent to you at an address you confirmed as your current or previous address. Documentation supporting our investigation is enclosed ( but not readable ). Merchant provided records confirm delivery at your current or previous address. 

Please help resolve this, as I did not authorize this or request a XXXX XXXX credit card,
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm asking you to change this doubtful data a number of times. I will file a lawsuit against you because I believe you failed to verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my prior COMPLAINT #, and I'm including it once more. Please don't disregard my plea to correct these false entries in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIA ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.. 
6. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX  on XXXX ( Reported Identity Theft )
Product: Debt collection

Called National Recovery Agency about a debt collection they reported to credit bureaus. I asked to have any info sent to me verifying that this was in fact a debt of mine, because I had no knowledge of the debt. NRA said ok, after trying to get me to pay the debt over the phone stating they would send proof after I paid. I refused to pay without proof. They told me I would get proof by mail 5-10 business days. Well its been close to a month and I still have not got anything from them, yet they still report the collection on my credit report.
Product: Credit card

On or about XX/XX/2024, Synchrony Bank closed my Rooms to Go account and locked my access to the account 's login without prior notice or explanation. Consequently, I have not received any account statements since the account was opened, significantly impairing my ability to manage the account effectively. 

On XX/XX/2024, I discovered a {$41.00} late fee charged to my account. This charge was due to my inability to access my account online, a situation entirely caused by Synchrony Bank 's actions. Despite multiple attempts, I was unable to log in through both the mobile application and the website. Consequently, I was forced to call Synchrony Bank on my only day off during their operational hours to manually unlock the account and make the necessary payment. 

When I requested a refund of the {$41.00} late fee, Synchrony Bank declined, stating that it was not their responsibility. However, the inability to access my account, which directly led to the late fee, was due to Synchrony Bank 's decision to lock the account without notifying me. 

This series of actions by Synchrony Bank has caused undue stress and financial burden. Their refusal to acknowledge and rectify the situation is unacceptable. As a consumer, I have a right to access my account information and receive statements regularly to manage my finances responsibly. Synchrony Bank 's actions have obstructed these rights and unfairly penalized me. 

I request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Synchrony Bank. Specifically, I seek : A full refund of the {$41.00} late fee. 
Assurance that Synchrony Bank will provide timely statements and notifications regarding any changes to account status. 
Implementation of measures to prevent such occurrences in the future, ensuring that customers are not unfairly penalized due to actions taken by the bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXX carelessly let someone open an account in my name when i contacted them to let them know that my personal information including my cards, passport, cell phone have been stolen while i was out of the country. Now this account is showing up as a hard inquiry on my account and the credit bureau agencies require XXXX XXXX to give them the authorization to take it off my account. 

XXXX needs to be fined for their incompetence. I do not even understand why such a financial institution like this even exists after i warned them that my belongings have been stolen
Product: Credit reporting, credit repair services, or other personal consumer reports

1, XXXX XXXX XXXX is listed as closed but it is a open account in good standing with XXXX balance owed and high limit of XXXX dollars. ACCOUNT HAS BEEN READING CLOSED N HAS DAMAGED MY SCORE GRATLY. ACT NUMBER XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX XXXX XXXX XXXX XXXX XXXX Balance is reporting incorrectly at XXXX INSTEAD OF XXXX. ( MY credit with this company was XXXX and now it show limit of XXXX. Which also hurts my credit because it increased my credit utilization with no warning that my account limit would be decreased.Please i need the account to reflect the correct amount that's due. ACT NUMBER XXXX XXXX XXXXXXXX XXXX ( TRANSUNION ) ( XXXX XXXX ) XXXX. XXXX XXXX XXXX correct balance of XXXX and should show XXXX XXXX number XXXX XXXX XXXX XXXX ( TRANSUNION ) XXXX, XXXX XXXX XXXX XXXX XXXX is reporting incorrectly and should report as XXXX. ACT NUMBER XXXX XXXX XXXX XXXX ( transunion ) XXXX ) XXXX. XXXX XXXX IS REPORTING INCORRECT IT SHOULD READ XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX is reporting incorrectly. XXXX is amount due. XXXX last XXXX XXXX ( TRANSUNION, XXXXXXXX XXXX  ) XXXX, XXXXXXXX XXXX XXXX is showing incorrectly correct amount is XXXX. ( XXXX )
Product: Payday loan, title loan, or personal loan

Regions XX/XX/XXXX COVID we were having an issue on calling or go into the bank. We did not have any late payments and all of our payments were on time. The issue we had was the banks were closed and we couldn't make the payments due to the long waits and making the payment. The services did not accept online payment. 

Account Name : REGION/AMS Account Number : XXXX Account TypeSecured LOC ResponsibilityJoint with XXXX XXXX Date OpenedXXXX StatusPaid, Closed. 
Status UpdatedXXXX XXXX Late Payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

I spent months working with my builder, loan officer, escrow company, title company, and mortgage company to ensure that my total cash to close and my monthly payments would be what they promised. One day after closing on my house, I received a notice that my mortgage payment would be increased from {$1500.00} to {$1600.00}. 

They state that my escrow account is underfunded and those the need for an extra {$110.00} per month. Why was n't this brought to my attention when I was signing documents? Why send this notice one day after I 'm locked in? I ca n't help but think that something underhanded has happened.
Product: Debt collection

I was viewing my credit report and noticed I had a collection account from capital one for XXXX opened on XXXX. I have never lived at address on file for this account. My information must of been compromised in Data Breach or someone used my identity. According to my consumer rights this creditor violated my rights Under 15 USC 1681 section 602 states I have a right to privacy, 15 USC 1681 section 604a it also states that a consumer report agency can not furnish a account without my instructions.
Product: Debt collection

There account reporting form CAPITAL ONE, is al ready paid. I ask you to remove it of my credit, is affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa, XXXX TransUnion, LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX To Whom It May Concern, I recently received a copy of my Transunion credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Account Number XXXX I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b. 
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. 
Best regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pa XXXX
Product: Credit reporting or other personal consumer reports

Please see attached fileMake a validation with all of the information
Product: Money transfer, virtual currency, or money service

I opened an account with Robinhood to invest ( buy/sell/transfer ) cryptocurrency. 

On XXXX XXXX, I transferred XXXX in Bitcoin to an individual who was aiding me with a sports bet. 

Within the same day, my account was restricted with around XXXX in investments. 

Since then, I have spoken to two representatives via phone who have done nothing but ask for basic information about myself. I have asked for information regarding the restriction, and have not received any. Nor have I received any real information about when the restriction will be listed. The date is pushed back by a day, every single day. 

Perhaps even stranger, half of the calls appear to be from a phone number that actually ISNT the number they claim they will call from. When I have spoken to representatives, they called twice via ( XXXX ) XXXX. However, two separate times I have been called by ( XXXX ) XXXX. When I check the app, it claims that they tried to reach me via the first number. 

Im not sure whats going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) and Rent Recover LLC are liars and crooks. They are trying to collect an invalid debt from me and will not remove it from my credit reports/rental history reports, which affects my ability to obtain housing and/or a government job. 
I vacated this property in XX/XX/2016, and am getting charges from XX/XX/2016, when I wasn't even living in the state of Georgia at that time! They are money hungry liars, probably just vindictive that they had to pay ME. 
I have notified both companies several times via phone calls and in writing, to no avail. XXXX ignores my phone calls and does not respond to my voicemails or emails. Rent Recover LLC has been very rude to me : hanging up when I tried to explain their error, calling me names and using profanity. Also, Rent Recover LLC has not responded to my emails either. 
I moved away from the slumlord property, XXXX XXXX XXXX, due to health violations that the landlord failed to alleviate. Yes, this is documented from the GA State Health Department. I withheld rent in order to gain my landlord 's attention. We settled out of court, I signed a Consent Order, along with my attorney and XXXX XXXX, the landlord 's attorney. The order stated that this will not affect my credit as an eviction and that no monies would be owed. I thought it was over until I got denied for housing. I am livid. I don't owe these people and will not pay these people. If this matter is not rectified immediately, I am suing both companies. XXXX, for breach of contract and Rent Recover , LLC for credit reporting violations.