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

I noticed a few accounts and inquiries on my report that I do not recognize XXXX from XXXX XXXX XXXX inquiries from XXXX XXXX which makes no sense at all XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with this company for years I am not the person who opened these accounts and I never signed anything for these accounts, im not sure who stole and used my information but the back refuses to help correct this
Product: Credit card

Synchrony Bank filed a late payment report to the credit bureau that I missed a payment in XX/XX/2024 I didn't realize this until XX/XX/2024 when I checked my credit report and was informed that I have a payment that is 90 days late. 

I check Synchrony periodically and see that I have a scheduled autopay payment and proceed with my business as normal as it appears however, it seems that the autopay system hasn't been working for at least XX/XX/2024 ( refer to XXXX ) and possibly longer, yet despite that they have not attempted to contact me over the fact that the autopay has failed and my payment hasn't been processed, in addition, it isn't clear in my statement that the payment has failed either. As a result, my credit tanked by over XXXX points. 

Synchrony sends me a monthly email regarding my account ( XXXX ), which also doesn't indicate that my payment is past due. 

In addition, their website is also highly difficult to navigate as when I was applying for XXXX I had to navigate to a different site to send my XXXX orders to their helpdesk which I still can't easily navigate to without support from their customer support line. 

When I initially took out a loan with them I set an autopay system to pay off the credit card over XXXX months as planned, however their autopay defaults to the minimum payment so as XXXX months passed, I was doing less and less in payments causing me to pass their promotional period without being able to pay it off. 

Their banking site also missing feature such as the ability to set up autopay, access statements older than the current year and the ability to view my own account number.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Mortgage account number XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

Dear CFPB, I am writing to file a complaint regarding unauthorized transactions that occurred on my Coinbase account on XX/XX/year>. On that date, someone gained unauthorized access to my Coinbase account, added their accounts, and sold myXX/XX/XXXX including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, andXX/XX/XXXX. The total loss from these unauthorized transactions was {$3600.00}. 

The individual first attempted to withdraw {$15000.00} from my linked XXXX XX/XX/XXXXt, but the attempt was unsuccessful. They then withdrew {$2600.00} from the same account, which was successfully processed. 

Upon discovering the unauthorized activity, I immediately secured my account by changing my password, enabling two-factor authentication, locking my account, withdrawing any funds back to my bank, removing unrecognized devices, and deleting unauthorized linked accounts. Despite these actions, Coinbase has not assisted me in recovering the stolen funds and instead charged me an additional {$2600.00}. I am requesting a formal investigation into this matter, as I believe Coinbase has failed to properly secure my account and provide appropriate support for this fraud. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

First and foremost i am submitting this complaint on behalf of myself. This company has failed to remove inaccurate and false information reporting on my consumer file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, the amount of {$4000.00}. from XX/XX/2018 until XXXX XXXX has violated my rights. I called the customer service number to open an investigation on several occasions on their website but the item still remains on my credit report. 
15U.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't furnish an account without my written instructions
Product: Prepaid card

Card # XXXX : XXXX Exp XX/XX/XXXX was not able to be used because of the company locked it and i have been calling in the past 2 months they were not able to unlock it, card value XXXX USD. This happened before it seems like everytime the company willing to resolve this type of issue is when customer Submit a CFPB case. 

Card # XXXX : XXXX EXP XX/XX/XXXX. 

Exact same issue, called multiple times no response
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove these hard Inquries as I did not authorized them : XXXX XXXX XXXX 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: Student loan

I requested a refund of payments I made towards my federal student loans during COVID on XXXX XXXX XXXX totaling {$11000.00}, through EdFinancial 's customer service form online. On XX/XX/ I received an email response from EdFinancial 's Customer Service ( XXXX XXXX saying that the refund had been requested. On XXXX XXXX XXXX  the {$11000.00} was added back into my owed loan balance but I had not yet received a refund. I responded to the email chain saying my loan balance had been adjusted but that I had never received a refund. I also submitted the same information through EdFinancial 's customer service form online ( however, they do not provide any confirmation of the submission through their online portal ). I have received no response from EdFinancial for almost a month despite the fact that the {$11000.00} is now added back into my loan balance, accruing interest. Currently, I have essentially lost {$11000.00} with no communication on when I can expect to receive it or whether EdFinancial even has any plans on making the refund payment.
Product: Checking or savings account

Received a {$900.00} email offer from Chase to open a new checking and savings account with the bank. 

{$300.00} of this offer was to open the checking account and set up direct deposit. Another {$200.00} was to open the savings account and deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. An additional {$400.00} would be provided if both of the above requirements were met. 

After opening both the checking and savings account on XX/XX/year>, {$1500.00} was deposited into the checking account and {$15000.00} was deposited into the savings account on XX/XX/year>. On XX/XX/year>, a direct deposit was made into the checking account, and the requirement for the initial {$300.00} offer was met. However, I noticed that this {$300.00} amount was not honored by Chase, so I called the company and inquired as to why the bonus was not applied. I was informed that a {$900.00} offer coupon was never applied to my account, even though I clicked on a portion of the email offer that stated, Coupon code applied when you click [ the ] Open both accounts button. Since then ( XX/XX/year> ) I have had my issue escalated several times within Chases customer service, marketing, and coupon team to no resolve. I especially worry that I Chase is not going to honor the {$200.00} and {$400.00} bonuses for the {$150000.00} I have had sitting in the new savings account for over a month, when that money could be yielding much more in a high yield savings account or CD.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> National Credit Adjustments ACCT # XXXX XXXX XXXX XXXX XXXX XXXX, KS, XXXX To Whom it may concern : You are listing this collection as an " open account, '' which does not comply with FCRA regulations. This is incorrect reporting and must be removed immediately. Kindly provide me with a copy of my consumer report once the collection is deleted and removed.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I called capital one credit card regarding a purchase from XXXX furniture store in XXXX XXXX Texas, I tried to work out the dispute with merchant on faulty item I was sold but the merchant refused to work with me. I file a disputed with capital one regarding this item, being faulty them the merchant agreed in text messages to take back the item I returned the item and the merchant refused to give me a refund. I advised capital one what happened I was told to get a police report and I did. The merchant told me the item is Arkansas. Now capital one wants to continue charging me {$1000.00}. I still have n't received any mail regarding the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, 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 by such agency of ( 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. 

The following items need to be removed and blocked as they are fraudulent. 



there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Please remove it from my credit report. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account. 


The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching personal information, XXXX account and inquiries that are fraudulently reported on my credit report. 
ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi my name is XXXX XXXX and i have a prepayed unemployment pua card from ohio.so i noticed on XX/XX/2021 the the XXXX XXXX where i was staying at the time.chaged my card 4 times..in one day..all 4 charge 's where alot..the first was XXXX then XXXX and XXXX and then XXXX ..i informed the manger  at the XXXX XXXX..he assured me that this wasn't ment and he would fix it right away..it was a Saturday XX/XX/2021 So i contacted card service 's and they said to wait to see if he fixed it.well next thing i know im at the dmv getting plates for my sons car and my card is frozen and has been since. That was XX/XX/2021 ive been asked and told several different ways to prove who i am ... ie fax email and selfies and done evey one.many times .for almost 2 mo..to no avail..the just tell me to resubmit my paperwork..because ALL I HAVE IS A PAPER COPY from job and family services..everything was stolen from me while i waited for my pua to come..it took 10 mo ... im not born in ohio so my birth certificate is XXXX and they wanted another XXXX for my ss card..i have noone..and with out my money..im back to home less and my car was imponded 2 weeks ago.i need my money desperately and idk what to do..all i have is this papper copy from job and family services..please help me Usbankreliacard  ...
Product: Checking or savings account

On XX/XX/XXXX I lost my credit card and was not aware of it until XX/XX/year>. During that time charges came through from XXXX XXXX XXXX XXXX XXXX MD for {$390.00} and again on XXXX XXXX MD for {$830.00} XXXX 
During that time, I had a charge from XXXX XXXX on XXXX XXXX, MD for {$520.00}, along with XXXX  XXXX XXXX XXXX MD for {$750.00} and on XXXX another charge for XXXX  of {$130.00}. 
I reached to all three companies requesting more information.
Product: Credit reporting or other personal consumer reports

I Review my credit report and saw fraudulently account on my report
Product: Money transfers

My name is XXXX XXXX and I am a XXXX XXXX employee. 
I use the Western Union Online Transfer Service twice a month and I am getting charged for a service which I am not receiving for the last 4 months. 
Last year I was paying only {$7.00} for the money transfer ( up to {$2.00} ) to be delivered to XXXX in a maximum of 3 days. 
Now I am getting charged {$45.00} for an " express '' service which supposed to deliver the money in minutes, however my wife have to wait one or 2 days to get the money in XXXX because the agencies where she collect the money they do n't have cash. She complained there but the agencies blamed Western Union since they are providing a service for this Company. 
I sent already complaints to WU to their email address XXXXXXXXXXXX on the XXXX XXXX and XXXX XXXX, with no answer at all. I just received an email on XXXX XXXX from XXXXXXXXXXXX saying that they got my complaint, but so far nothing happened. 
We feel we are being cheated by Western Union since they are charging us {$45.00} for the same service I used to pay only {$7.00}. 
Thank you.
Product: Debt collection

I've looked at my credit report closely and noticed that XX/XX/XXXX I first disputed Convergent for the amount of {$800.00} because I was aware I owed no one and never heard of this company. I didn't follow-up because I just knew it wasn't mine!. After Covid crisis XXXX   offered free credit reports in XXXX. Once again, I saw this same name and amount XX/XX/XXXX I filed a dispute. Again, XX/XX/XXXX with information attached to show no equipment charges were on my account along with the return XXXX label for the device in question I shipped back to XXXX. This was to no avail. I did the same disputed information with XXXX   again XX/XX/XXXX to no avail. I received a letter from Convergent XX/XX/XXXX asking to mail or email proof if I had it. ( Mind you, this had already been done ) That same day I sent the email and waited for response. XX/XX/XXXX I received the exact same letter from Convergent as  on XX/XX/XXXX. No problem, I sent the email again with a follow-up call asking if there was someone I could speak with to verify emails were received. No one knew who I was or what I was talking about. XX/XX/XXXX Same routine at Convergent, first asking me to pay the debt I don't owe, then not knowing who I am, or what documents/emails I'm talking about. After a bit, oh we'll expedite info to XXXXXXXX  for removal from your credit file and send you follow-up email. XX/XX/XXXX call back and no one has previous information. She said she has to send me a packet to fill out, but never did. XX/XX/XXXX Called XXXX, rep said she take a look at XXXX trk # send it to escalation it should take XXXX days, she'll send an email. That email said they couldn't find equipment ( IMEI ), they were looking for a device number not the XXXX tracking  number I provided. I called back XX/XX/XXXX because I didn't hear about the XXXX #. They told me then, it was too old. I was told because the account no longer belonged to XXXX, there was nothing more they could do. She did verify that this was about the return of the wi-fi device and that at that time it was {$100.00}. I told her I have provided my proof of returning the device, I'm not responsible what happens after it leaves my home. She was supposed to verify with XXXX the tracking number but never got back with me.
Product: Checking or savings account

I contacted SoFi Bank and XXXX XXXX to let them know there was a duplicate unauthorized charge in my checking account. This is affecting other bills from being paid. XXXX refuses to return the duplicate funds and Sofi is saying all I can do is wait out the process meanwhile facing shut off notices the week of a holiday. At least return the funds until the investigation is complete or something. There is no way to talk to anyone at Sofis dispute department per their agent and manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I successfully placed a security freeze on my Equifax and XXXX accounts. After 3 attempts I froze my XXXX account ( XX/XX/XXXX ) using self-service IVR. Freezing my accounts was in response to Equifax announcing a security breach effecting millions of accounts. I find it unconscionable that I would be charged {$5.00} for freezing my accounts, then {$5.00} to each company when I want to unfreeze accounts.
Product: Student loan

I am making a claim against Navient Student Loan Company. On XX/XX/XXXX, I submitted a debt validation letter to Navient requesting the original wet signature contract between Navient and myself, along with other documents to show if the loan was ever discharged. On XX/XX/XXXX I sent a second letter, a notice to cure to Navient again requesting the original wet signatures contract between Navient and myself, due to receiving no response. On XX/XX/XXXX, I received a statement from Navient, which included a copy of the Master Promissory Note that appears to be altered or manipulated, raising concerns about its validity. They were unable to validate the debt by providing original documentation and the on-and-off ledgers to show if the debt was ever paid off or discharged. Upon, further investigation revealed that Navient was not registered with the XXXX XXXXXXXX XXXX XXXXXXXX until XX/XX/XXXX. However, the company has been reporting on my credit since XXXX, as evidenced by my credit report with XXXX in XXXX. I also, noticed as of XX/XX/XXXX on my previous XXXX report, that they've been reporting since XXXX. This discrepancy raises questions about how Navient obtained and utilized my personal information without proper registration as a business entity.