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

I submitted a dispute to the credit report agency XXXX XXXX, XXXX and Experian. I requested an extension deferral on my car loan with XXXX in XXXX of XXXX, I requested it for the payment due of XX/XX/XXXX, I asked could the payment be deferred to a later date before the due date. XXXX offers payment referral extensions to customers who are having financial hardship. I was having financial hardship in the month of XXXX. XXXX approved my request and told me my payment due for XX/XX/XXXX would be extended to the end of the loan on XX/XX/XXXX. They emailed me a document to sign to confirm the transaction and to upload on their system on XX/XX/XXXX, I uploaded that document on their website, I called back three times in XXXX and each time each representative assured me that it would take longer than usual to search for my document because they had a lot of documents to process, I called XXXX 5 times in the month of XXXX to confirm the transaction, each time a representative told me my extension was approved and not to worry, they had even resent me a document to esign because of their error. I esigned the document and the transaction was confirmed and the extension was deferred and approved. I called XXXX to explain the incorrect credit reporting, a supervisor and a representative sent a dispute after reviewing my account and reading notes and seeing how many times I called in, showing that it was an error on their end and ask the Credit disputing department to fix it and remove the late payment with the credit bureau and XXXX XXXX department is still refusing to remove the inaccurate information. They provided no details in their letter as to why they made this decision, I even called XXXX back and asked them have they reviewed my account and listened to the recordings of all the calls I made to them and they still provided no details as to why they reported my payment as late. Their only response is " our records are correct ' '' with no details explaining to me how this is not their error when I submitted my documents and did everything I was supposed and they APPROVED ME!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX : # XXXXXXXX XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of identity theft, which has resulted in multiple fraudulent entries on my credit report. These unauthorized accounts and inquiries were added without my knowledge or consent, and I request immediate action to address them. 

ACCOUNTS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I have already filed an identity theft report with the Federal Trade Commission ( FTC ) and am demanding the prompt removal of these fraudulent items to restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the XXXX credit bureaus XX/XX/year> but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX to the 3 credit bureaus a false address - XXXX XXXX XXXX, XXXX XXXX Ca XXXX ( which doesn't exist ) and a suspicious credit card under my name and that affected my credit score for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX made an unauthorized, fraudulent hard inquiry to my Transunion report. Attaching police report for related identity theft. Transunion instructed me to contact each of the companies making fraudulent inquiry individually.
Product: Mortgage

PHH mortgage stated that I must have my " Borrower Acknowledgement '' form dated and signed in the presence of a notary. The following request was completed and returned to PHH mortgage prior to the deadline provided. I received another document from PHH mortgage dated on XX/XX/22 stating that the agreement received was missing a co-borrowers signature or the signature was illegible. This is a false statement as I have a " LEGIBLE '' copy of the original document signed on XX/XX/22 by " BOTH '' borrowers ... XXXX XXXX XXXX and XXXX XXXX. This document was completed in the presence of a notary. 

Please see the attached documents proving their reason for not finalizing my loan modification was false. 

I have had numerous complaints filed against this company and unfortunately their lack of professionalism and knowledge pertaining to my loan has not only affected my interest rate but my credit history as well. I hope the federal and/or state government holds the responsible for their mistakes.
Product: Debt collection

Contacted original creditor they were unable to validate my information under section XXXX My information was accessed with XXXX data breach this account coulda been opened with the result of that breach please seest and assist from contacting and reporting fraudulent account
Product: Credit card or prepaid card

On XX/XX/XXXX I received a text from Capital One about an attempted charge of {$380.00} on my credit card from a company called XXXX XXXX XXXX. I instantly texted back saying that the charge was fraudulent. XXXX XXXX attempted 3 times to assess my credit card for {$380.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Capital One has reversed 2 of these charges but refuses to reverse the third one. 
On XX/XX/XXXX I received a letter from XXXX XXXX stating he found " no indication of fraud. '' I don't know how he came to that conclusion. He also stated that the original charges were credited back to my account which is not true - only 2 of the original transactions were credited back to me leaving a fraudulent charge of {$380.00} on my bill. 
On XX/XX/XXXX I spoke to a fraud manager named XXXX who stated ( after 2 and 1/2 hours on the phone ) that everything was taken care of and {$380.00} would be removed from my statement. 
However, the charge of {$380.00} was still on my next bill so on XX/XX/XXXX I spoke to another fraud manager, XXXX, who stated that he corrected everything. A day or two later a credit for {$380.00} appeared on my statement. 
However, on XX/XX/XXXX I reviewed my account again and the charge of {$380.00} was back on my statement. I called and spoke to XXXX, another fraud manager, who stated she would make the correction and remove the charge. 
Today in the mail I received a letter dated XX/XX/XXXX stating that I had received two refunds for the same amount so the fraudulent charge of {$380.00} is back on my bill. Since there were three fraudulent transactions I need three credits on my statement. 

This has been going for 2 months and I don't know what to do anymore. Every time a fraud manager correctly removes the charge XXXX XXXX puts it back on my bill. 
Please help!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Equifax : Thank you for deleting some of the accounts which inaccurately appeared on my credit file Though, I still actively challenge the following remaining items. These accounts are still being recorded incorrectly and are severely harmful to me. In accordance with the Fair Credit Reporting Act, Section 1681i, I ask that you XXXX these accounts and clear them from my credit file. 
XXXX. XXXX XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Furthermore, I would like to know how you verified these items including the names of the individuals you contacted for verification, along with their addresses and phone number so I may check with them as well. 
Regards, 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

Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

hi! i really like this credit card. but on XX/XX/XXXX, i requested a {$100.00} gift card ( because i have card rewards ) but i never received it, even after waiting 30 days. i called multiple times about it. i was told a decision would be made by XX/XX/XXXX bc an investigation had to happen, so i called then and was told it still wasn't done. they said the rewards card, on their end, was marked as shipped so it had to be invesitagated, they wanted to make sure i didnt get card and spend money etc. that's understandable, but they were already supposed to do that investigation by earlier XXXX and i already waited so long. i was told theyd escalate since it was already suposed to be looked into by now, and that i should call back yet again in another 10 days. rather than go through the rigamarole of keep callingback over and over again and being strung along for something that's not my fault, i thought i'd just contact you. since i never got the card, and the process is problematic, i just want the {$100.00} credited to my statement balance.
Product: Money transfer, virtual currency, or money service

I got an email from a XXXX XXXX ( email XXXX ) saying that I had purchased .017 Bitcoin for an amount of {$470.00} that they were going to take from my bank account. They even had an invoice # XXXX and a phone number which is XXXX. When I called that number, a person with a heavy foreign accent began to ask me for additional information to process a cancellation of the invoice. I refused to give any futher personal information. I called my bank and they said no money had been taken yet and they would keep the account under surveillance if such an invoice did come to the bank. This was all done under the name of PayPal who wrote that the payment was processed. 
The PayPal support team number was XXXX. 
If they had taken this money from my account it would have crippled me financially.
Product: Credit reporting or other personal consumer reports

Account Name : Portfolio RC Account Number : XXXX you are reporting multiple errors on this account so please investigate and make sure its 100 % accurate per FCRA you are reporting different date opened XXXX , and XXXX don't match update or delete immediately you are also reporting different date of last active means you are in violation for re-aging this account this is a huge error because this determines when this account gets deleted under the fcra update if you can't update or verify the correct date last active you must delete this from all of my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

These three credit bureaus keeps adding removing updating deleting refusing to delete refusing to tell me where they get the information from and violating all type of consumer laws when it comes to my profile they tell me that they can't verify me yet they simulators telling me they've updated and verified through furnishers they still have not provided me where they got the information from. They refuse to update when the other bureaus have already removed they just keep doing whatever it is that they want causing me emotional distress I just want these items removed immediately attached is my exhibit showing the inconsistency the stall tactics and then violating laws
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : [ Your Phone Number ] Email : [ Your Email Address ] Date : [ Insert Todays Date ] To : Consumer Financial Protection Bureau ( CFPB ) P.O. Box 27170 Washington , DC 20038 Subject : Formal Complaint Against Synchrony Bank / PayPal Credit ( SYNCB/PPC ) for Violations of the FDCPA Dear CFPB Officer, I am filing a formal complaint against Synchrony Bank / PayPal Credit ( SYNCB/PPC ) regarding unlawful communication tactics, improper reporting practices, and violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ).

I have sent a Cease and Desist letter to SYNCB/PPC requesting that they immediately stop all communications regarding an alleged debt associated with account number ending in 1759. Under 15 U.S.C. 1692c ( c ), once a debt collector receives a consumer 's written request to cease communication, they are legally obligated to comply.

Furthermore, under 15 U.S.C. 1692a ( 2 ), " communication '' is defined as the conveying of information regarding a debt directly or indirectly to any person through any medium. Therefore, reporting to any consumer reporting agency ( such as XXXX XXXX XXXX XXXX  ) qualifies as a form of communication.

Despite my cease and desist request, SYNCB/PPC has continued to report the alleged debt to the credit bureaus, violating federal law and continuing to damage my credit profile unlawfully.

Requested Resolution : Immediate deletion of the SYNCB/PPC tradeline associated with this alleged debt from all consumer credit reporting agencies.

Confirmation in writing that all reporting has ceased in compliance with the FDCPA and FCRA. 

Investigation into Synchrony Banks ongoing reporting practices after receiving cease and desist notices. 

Attached are copies of my cease and desist communication and evidence of the ongoing reporting activity as of XX/XX/year>. 

Thank you for investigating this serious violation of my consumer rights. 

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

I am a victim of identity theft all accounts listed below should be Blocked and Removed from all credit reporting Bureaus immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN=ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

unauthorized inquiry for an auto loan. I had a preapprove letter and the XXXX XXXX salesman was to tell me what my monthly payments would be. When he did, I told him now that payments would be too high, and I left. I did not authorize him to do a credit run. All of a sudden after I left, I started getting true id texts. there were 10 Hard inquiries. that's not fair. I did go to a different XXXX place in XXXX XXXX, and I did buy a car there and decided to use a credit union XXXX XXXX. My credit report was run but it had 5 Hard inquiries. I can understand maybe 2 hard inquiries but not 15.
Product: Money transfer, virtual currency, or money service

Coinbase recently forcibly closed a series of limit orders I held. They sent an email noting it was due to new risk mitigation procedures and they felt my orders were outside the area they considered safe trading. Several of my orders were forcibly closed and those funds frozen. Coinbase gave me one resolution. Close all remaining orders and hope my funds would settle appropriately and the funds would unfreeze. This of course did nothing other than cancel my orders and credit me for those. I have calculated the forcibly removed orders supplied the company with all order identifications, time stamps, order pairs, amounts and values. I will supply those here as well if I can. They encouraged me to download my statement and cross reference however No canceled order activity shows there. I will supply through their order management page where I had screen grabbed the orders in question before they made me close all remaining orders. Typically if I cancel an order those funds are returned as I am no longer trading that bet. This time my orders were seized by their order book maintenance and no refunds issued. This is theft and fraud. My bets were no longer honored and simply they stole those seized funds.
Product: Credit card or prepaid card

A store credit card was opened under my name and information without my permission. The person was able to make purchases when the card was authorized.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I've attached a copy of my report to this complaint on the following dates XX/XX/XXXX, XX/XX/XXXX I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are medical collections on my account that should not be on there. According to The Fair Debt Collection Practices Act ( FDCPA ; 15 U.S.C.

1692-1692p ) and P.L.

115-174, Section 302, provides veterans with credit reporting protections relating to medical debt, including extending the waiting period for medical debts in credit reports to one year and removing paid or settled medical debts. 

The following accounts are either less than {$500.00} and/or reported within less than a year : XXXXXXXX XXXX XXXX {$250.00} Original Creditor is XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions Reported XX/XX/XXXX  XXXX XXXX  Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX Reported XX/XX/XXXX  XXXX XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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
Product: Credit card

I purchased a custom {$970.00} costume from XXXX. The merchant sent a damaged and unusable item. The merchant said she would start a claim with XXXX and send me a prepaid return label to return the damaged item to he and she would give me a refund. I waited day after day and she never sent. I have proof of the text messages of me asking her every day for the label and her ignoring me. I sent records of my phone bill of me trying to contact her and her ignoring me. I filed a claim with the Bank of America and they initially gave me my money back. Then the merchant lied and said she told me I had 3 days to return the item to her on my own. You can see in all her messages that I have from her that that never happened and she told ME to wait on HER sending the prepaid return label. I have pictures of the damaged items that she saw and her response to seeing them. I have all the proof that I need that she sent me damaged goods, claimed she started a fedex claim, ignored me and never sent a prepaid return label and essentially stole my money and left me with damaged goods. She did n't answer any calls or texts and left me to file a dispute against her with credit card company. Where this becomes Bank of America 's fault is they sent me a letter asking for this proof, I have faxed the proof to them twice and have the fax confirmations that both times the faxes went through. They never reviewed any of my proof and sided with the fraudulent merchant. I spoke with XXXX in XXXX and sent the proof to him on XXXX/XXXX/16 when claim was active, I called again when I received a letter saying my claim was denied and spoke to XXXX in XXXX and she said to go to a Bank of America branch and re fax the proof with the confirmation proving that it went through the first time and I did that as well. XXXX at B of A on XXXX XXXX in XXXXXXXX sent it again and AGAIN I got confirmation it went through. XXXX said to call back in 48 hours to make sure it was received and I did that. I spoke to a very rude guy named XXXX in XXXX and he said they did n't have any faxes, yet again. I said I have proof that they received it twice and he did n't care. I asked to speak to a manager and was put on hold another 10 minutes before an even ruder and less helpful guy named XXXX in Maryland came on. He said I was " out of luck '' because they did n't receive anything. But really I am out of luck that B of A is incompetent when I have proof they received my faxes twice and did n't bother to review them. How is my bank, my cc company, siding with a woman committing fraud and they wo n't even look at the proof that THEY asked me for. I am disgusted by their incompetence and lack of effort. I will be canceling all cards and filing a civil suit against the merchant.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX  system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

ACCOUNTS : XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX.