23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is on a Synchrony Card issued on behalf of Amazon. After having the card for some time, a 'security fee ' started showing up out of nowhere. It was several months before I noticed it, as I carry a balance on the card and assumed it was interest. I called the separate 1-800 number issued on the ( online-only ) statement and they were reluctant to do anything, but agreed to remove the fee. I contacted Amazon and reported it as fraud, as unauthorized charges are just that. They reversed it. It disappeared for a month or two but now it's back. There needs to be a class-action suit on these deceptive fees. The amount now that I owe on these " fees, '' of which I don't even know what they cover, is around {$50.00}. 
I will again contact the number for the pirate-fee devils, as well as Amazon. 
I hope to have it resolved. 
If it shows up again, I will contact our state attorney general, as well as the CPFB again, so hopefully it can be resolved for myself and I assume hundreds of thousands of others who shop at Lowe 's, Walmart, Amazon, etc and carry a card through Synchrony. 

Thank you.
Product: Checking or savings account

well as you shouold know by now, i state that infact a wells fargo, and XXXX XXXX, did in fact plan and execute a and emezzled many thousands of dollars from me. then i have noticed wells fargo secuity, and also depository insurance isnt even for a person like me, i have proven over and over you wells fargo are deciving everyone. understand i will not let this rest until i have my money and justice is served.you your staff tell me just enough i know one day you will get caught. andth i would advise you do the ma
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. 

Account Name : XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  Account XXXX has violated my rights. Or a list of inquiries : 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My XXXX  checking account was explained to me in a way that was not accurate. I was informed that debit transactions would be fee free however that was not the case. I addressed this with the bank and they informed me that they did not tell me that. I feel I was bait and switched so that I could sign up for extra accounts that I did not need as the bank said it was mandatory but I later found out it was not. After years of back and forth and different stories I closed the account
Product: Consumer Loan

A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.
Product: Mortgage

I submitted a QWR and a request for information regarding a HELOC from PNC - they refused to respond with any information.
Product: Debt collection

I received a call not identifying myself at my work place from a rude gentleman asking first for me and then to speak with a manager, and I asked him if he had permission to contact my employer and he stated to my me that he want to speak to my manager again, left a number then hung up the phone. 

He claimed that he did not know if I worked there and to forward his number to anyone and he was very rude and speaking over me the whole time. 

I don't even know what debt he is trying to collect. 

He called from XXXX and then XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to formally dispute the accuracy of the information reported by American Express ( AMEX ) regarding my credit account, as it appears on my credit reports from XXXX, XXXX, and XXXX. The account in question is identified by the number XXXX and is listed as derogatory, charged off, and in collection status. I request the removal of this account from my credit report due to multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ). 

Summary of Issues Inconsistent Reporting Across Credit Bureaus : The account information varies significantly among the XXXX major credit bureaus. 
XXXX reports a balance of {$810.00} and a high credit of {$810.00}. 
XXXX shows a high credit of {$0.00}, creating confusion about the accounts status. 
XXXX reports a high credit of {$500.00} against the same balance of {$810.00}. 
Law Violation : These discrepancies violate 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 
Missing Information : XXXX does not report the " Account Type - Detail, '' which is crucial for understanding the nature of the account. 
Law Violation : Under 15 U.S.C. 1681g ( a ) ( 1 ), consumers are entitled to complete and accurate information in their credit reports.

Incorrect Payment Status : All bureaus classify this account as " Collection/Chargeoff, '' which may not accurately reflect the current status if it has been settled or paid.

Law Violation : This misrepresentation violates 15 U.S.C. 1681s-2 ( a ) ( 2 ), which mandates furnishers to provide accurate information. 
Inconsistent " Date Last Active '' Reporting : The Date Last Active reported varies : XXXX and XXXX indicate XXXX, while XXXX XXXX XXXX. 
Law Violation : This inconsistency contravenes 15 U.S.C. 1681e ( b ), leading to potential misunderstandings regarding the account 's status.

Negative Comments : Comments such as " Charged off as bad debt '' and " Canceled by credit grantor '' need to be consistent across reports. If this account is settled, these comments mislead creditors.

Law Violation : Misleading comments may violate 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ), which prohibits furnishers from providing information known to be false or misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX XXXX # XXXX -XXXX  # XXXX -XXXX  # XXXX -XXXX XXXX # XXXX ( Medical ) -XXXX XXXX # XXXX -XXXX XXXX XXXX  # XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : Cushman v. TransUnion Corp. ( 1997 ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data.

Dennis v. BEH-1, LLC ( 2002 ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers.

Ramirez v. TransUnion LLC ( 2021 ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages.

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions. 
2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

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

This is a prime example of Willful Noncompliance I am exercising my right under the Fair Credit Reporting Act, Metro II Compliance Guidelines, Credit Reporting Resource Guidelines Page 10-1, 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681, et seq, and 15 U.S. Code 1681n, I am request you remove this item immediately. XXXX XXXX XXXX XXXX XXXX account number : XXXX. This account is being reported illegally. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ).

Accounts must be deleted for the following reasons : -Accounts which have been forwarded or sold to another entity ( XXXX XXXX ) -Accounts not reporting monthly updates. 
-Willful Noncompliance 15 U.S. Code 1681n ( a ) IN GENERALAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
Product: Money transfer, virtual currency, or money service

In XXXX 2023, I purchased a Reloadit Card with a value of {$350.00} from a local grocery store. Despite my initial reluctance, I engaged in unsuccessful attempts to load funds onto the card via the company 's website, encountering communication challenges with customer service representatives based in XXXX XXXX. Subsequently, I opted for a refund due to the perceived sketchiness of the situation. 

Upon contacting customer service, I was informed that the only available refund method was a mailed check, deviating from my original cash payment. Reluctantly, I complied with their request for personal documentation, including a picture of my ID, the receipt, the card, and proof of address, all communicated through email, Despite their assurance of sending an expedited check, the process extended beyond the stipulated time frame. After several exchanges, a representative claimed the check had been sent, providing a check number but omitting details such as the issuing bank. Upon expressing concern and requesting certified or registered mail for the check, my request was disregarded. 

Further complications arose when subsequent checks were promised but not dispatched. Communication breakdowns persisted, with conflicting Information regarding the status of the checks. Requests to speak with management were unmet, and promises of callbacks went unfulfilled. 


As a senior citizen facing challenges due to XXXX, this prolonged and distressing situation has added an undue burden. The assistance of my son has been crucial in navigating the complexities of email communication and phone calls related to this matter. The stress induced by this ordeal is bated by my XXXX, and the funds in question hold significant importance, as they were earmarked for critical expenses. 
I am reaching out for assistance in resolving this matter and obtaining the refund I am rightfully owed. 
Your support in getting this issue promptly would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX
Product: Debt collection

They send me a Warrant in debt in the mail and threaten to take me to court, I have a court date already issue to me XX/XX/2023 and they went further and issue me a warrant document of debt to my house. 
Midland Credit Management
Product: Debt collection

I was notified of an account that was in collections. I had no prior knowledge of this debt. The original credit said it was placed in XXXX and is in collections in XXXX? The original creditor is something called XXXX XXXX. I have no knowledge of this company. It is listed on line as a known scam. They falsify owed money and try to scam people into paying it by having it in collections. I do not owe this money. My credit dropped 22 points. I want it removed and I want XXXX XXXX flagged as a scam.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT IN DISPUTE IS XXXX XXXX XXXX  XXXX, I DO NOT KNOW THESE PEOPLE. I DONT OWN THIS MUCH BALANCE IS JACKED UP HIGH FROM XXXX. SHOULD BE A CLOSED ACCOUNT PAID IN FULL
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have private and federal loans with  XXXX   XXXX  then  Navient.  When I was with  XXXX   XXXX  I requested to have my co-signer removed. They told me that if i pay on time f or two ye ars I can submit a request to remove my cosigner. When I complied I submitted my request and they told me they could not remove my cosigner because I did not make over {$60000.00}. Then I requested that to consolidate my loans in order to lower my interest but they said they do n't offer that service. Then I received a letter informing me that  XXXX   XXXX  is know  Navient. I calle d an complained that I did not agree, but they said they could do nothing about my request. A couple years ago I could not pay my loans for a couple of months and Navient improperly directed me into forbearance. I have the letters of the forbearance.
Product: Debt collection

This account ( XXXX  XXXX XXXX ) been on my report since XX/XX/XXXX. The school, XXXX XXXX XXXX has closed down, and I was promise that I will find a job once I graduated. I did not find a job in the field I graduated in, and fell on hard times. I filled for bankruptcy in XXXX. This account was supposed to be in the bankruptcy.
Product: Student loan

Reporting twice on my credit report. Which is damaging to my credit. Please remove from my credit report. I am under a IDReplayment plan with Department of Education. Navinet is continunously reporting my payments late. I would like them removed from my credit report.
Product: Mortgage

I refinanced my mortgage and Statebridge was paid on XX/XX/19.  I called them about receiving my escrow refund and they told me it could take 30 days.  Here it is at 32 days and I still don't have my refund from my escrow account.  When you call them you are on hold for 15 minutes or more every time, who has time to hold that long while at work?   
They are awful.  They changed bank accounts and did not notify me and one month my payment was returned to me which I immediately turned around and sent back to them but my credit report was hit for this.  I spoke with someone who said they would do a letter to the credit reporting company and they did, send it to one but not the other two!  Why would they not send copies to all consumer credit reporting agencies?
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information you have provided to consumer reporting agencies regarding an alleged debt. I believe that your reporting of this debt violates the Fair Credit Reporting Act ( FCRA ), specifically XXXX5 USC 1681-s2 ( 7 ) ( A ), as well as the Truth in Lending Act ( TILA ), specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), and 12 CFR 1006.34 ( d ). I dispute the following information : Collection account amount of {$710.00} updated as of XX/XX/year> I request that you immediately investigate this dispute and correct any inaccurate information reported to the credit bureaus. Pursuant to the FCRA, I am entitled to a written notice about your investigation and the results. I believe that the information you have provided is inaccurate because I spoke on the phone with a rep and inquired the proof of information that the debt is mine and to send a copy of the original contract validating if I contracted with you and haven't received anything I hereby revoke all authorization for Cks Prime Investment to communicate with me via email, text message, or telephone. All future communication must be conducted in writing via certified mail. I am requesting a copy of the purchase agreement between Cks Prime Investment and the original creditor. Additionally, I am requesting proof that Cks Prime Investment is licensed and bonded to conduct debt collection activities. I look forward to your prompt response to this dispute. Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Product: Checking or savings account

They were charging excessive overdraft. 
I was discriminated because nothing was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done XXXX  % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request to the Credit Bureaus once more, to remove the remaining fraudulent accounts and information from my Credit File. I greatly appreciate the action done by the Credit Bureaus and have some of the disptued items removed from my Credit File. However, there are items left that should also be removed such as the inaccurate addresses, and the one fraudulent account reported by the Equifax Credit Bureau. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed items in which they resulted due to identity theft, not later than 4 business days after XX/XX/XXXX. I also sent another dispute letter to the Credit Bureaus on XX/XX/XXXX. I have already included these items from my previous Complaint and I am including them again, once more. Please have the following items removed as soon as possible : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$210.00}
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$9700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1100.00}
Product: Credit reporting or other personal consumer reports

I requested the company to provide me with an original sign contract which stated I had a contract with them. The could not provide a contract stating that I had a contract with them.