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

On XX/XX/ 2018 both Synchrony bank and ourselves realized there was fraudulent activity on our card. We reported this activity on XX/XX/XXXX and it was resolved on XX/XX/XXXX. However, Synchrony bank failed to inform us, yet they continued debiting our bank account for the minimum payment in the month of XXXX and the month of XXXX. During the month of XXXX and XXXX we received no correspondence from Synchrony bank. We didnt receive new cards, paperwork regarding our new account details or any information letting us know the case had been resolved. In XXXX we called again asking about the fraudulent activity and the new cards, again they told us they would be sending out the information and we would get the new cards and the account resolution, but XXXX came around and still nothing. At the end of XXXX we received notification via email that we had to pay a minimum of {$670.00} on a {$16000.00} credit card statement. How was this possible?? We had no card for two months and no resolution to the fraudulent activity. Moreover our balance was only limited to {$12000.00} and we had only spent {$5000.00} prior to the fraudulent activity. So we called again on XX/XX/XXXX to ask about the charges, and we also noticed that the control number had changed of which we had no access to. On theXX/XX/XXXX they also direct debuted {$670.00} from our account as a minimum charge for the {$16000.00} worthy of fraudulent activity. We called them again on the XXXX if XXXX and XXXX of XXXX. They then thought we were opening a new case and when I called them on the XXXX they had no justifiable reason for why new cards had not been sent out, our case had not been resolved, and no correspondence had been sent out regarding the new account details or a resolution to the fraudulent activity. Even though the case had been resolved on XX/XX/XXXX, they still transferred the {$16000.00} from one account to the new account and transferred over the direct debit on our bank account. The last time we spoke to Synchrony bank was XX/XX/XXXX. It is now XX/XX/XXXX and they still have not sent us new cards, they still continue to debit our bank account for the {$16000.00} worth of fraudulent activity, and there still has been to correspondence regarding the new account details. We got these credit cards through XXXX XXXX and when we have filled these complaints with XXXX XXXX, they just send us to the bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I have reviewed my report and found that certain information does not accurately reflect my current or previous personal details. I am concerned these errors may negatively affect my credit standing. 
The inaccurate information includes ( but is not limited to ) : Incorrect Addresses : XXXX. XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX. XXXX XXXX XXXX, XXXX, PA XXXX
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me.The Original amount of payment keeps going up and is affecting me significantly.The debt keeps growing weekly
Product: Mortgage

In XX/XX/2016, we lost my wife 's mother. We had to utilize more of our income than normal to take care of our bills, the funeral and our businesses. We were staying above water until the end of the XXXX. My wife is also an XXXX. They do not get paid in the month of XX/XX/XXXX. We missed out on that income to help us pay for our bills and our mortgage. I was able to pay part of it, but not all of it. I called to set up a payment recovery plan with my mortgage lender and they agreed to it. But I did not realize that, in doing so, I was going to have mortgage payment ding my credit score. We are looking initiate the process of refinancing the mortgage in a few months and also further invest into our businesses. This mark against my credit score has severely impacted our ability to do so. I have consistently paid our mortgage and have not had any late payments until last month. My request is that the late mortgage payment be removed from my credit score. As of today, I have met the payment recovery schedule in completion. And we are on track to pay for our XX/XX/XXXX mortgage payment on time.
Product: Checking or savings account

XX/XX/XXXX and XXXX after the XXXX deal with charges on my card I lost my card in the process the bank allow someone to deposit of mobile Bank check treasury check on my account and also the allowed this person to credit back payments that I have already paid and now I am about to get evicted from my home my car is not working the about to take it my XXXX is not in daycare is like supposed to be and I'm not at work like I'm supposed to be because of all this situation is taking place I've been begging them and Beggin
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out on multiple occasions requesting that false and unvalidated information be removed from my credit report. These companies have failed to provide me documentation validating that these items are mine with a WET signature.
Product: Student loan

On XX/XX/2024, the account was brought current with a debit card payment made over the phone in the amount of {$610.00}. On XX/XX/2024, the account was reflected as current. Despite the account being reflected as current, I received a call from a PHEAA representative asking me to pay what was past due. At this same time, the associated checking account had a cleared charge for {$610.00} that was processed a day prior. This is what caused me to call in to PHEAA to ask why I was still receiving phone calls despite a payment being fully made a day prior. This is when I got PHEAA XXXX XXXX on the phone. The details of that conversation are in a separate complaint, because that complaint in and of itself should be separate based on the behavior of the employee. 

It's bad enough that PHEAA can not document their system properly to prevent calls from going out once a borrower makes payments. This adds another layer of distrust to the ongoing trust issues created by this XXXX. But for an employee to act in such a way that would annoy anybody just because a borrower calls in to voice their concerns makes the entire situation even more burdensome. 

As a side note, the representative who submitted the complaint against XXXX XXXX XXXX XXXX, was a representative who kept me on hold for a long period of time because I told her I did not wish for her to submit a complaint because I had submitted a complaint on her a few days prior. Both employees had a non-friendly demeanor and it would appear they were attempting to get me to hang up by being sarcastic or keeping me waiting. All this behavior, and these employees get paid. I feel sorry for the next group of people who have to deal with either of these employees.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> This fraudulent collection was attached to my equifax report with a address and phone number and email that I have never been associated with they have also confirmed with me that there had been no ssn verification a collection simply based off of my name that is obviously someone else with a similar name or just fraudulent I am requesting that this is properly investigated because this item doesnt belong to me I have no dealing with this company or any other company
Product: Debt collection

On XX/XX/2019, I.c. System inc reported a {$180.00} medical bill to XXXX claiming that I owe that debt. 
On XX/XX/2019, just a few days later, I.c. System inc reported the same amount again. 
On XX/XX/2019 and XX/XX/2019 I.c. System inc again reported the same {$180.00}. 
Now again on XX/XX/2019 and XX/XX/2019 I.c Systems Inc reported the same amount of {$180.00} yet again. 
They also reported the same debt to XXXX in XX/XX/2019 and XX/XX/2019 for the same {$180.00}. 
Upon speaking to I.c System inc they claimed that the debt was building interest and accumulating an amount because XXXX XXXX kept adding things to the bill. I informed them at that time that I do not own that debt nor do I know of them or the XXXX XXXX. I then requested for them to stop contacting me by phone or otherwise and to stop hitting my credit and to especially stop doing it multiple times. They have a robocall system that will contact you from different numbers. They are a complete and utter harassment. And what they are doing is illegal.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX XXXX PER XXXX USC XXXX C-2 STATES 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.

Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XXXXXX/XX/year>
Product: Mortgage

i have called and filed several complaints, with wells fargo executive office and they dont call me back i speak to the secretaries and they promise i will get a call back and still nothing, they credited me about XXXX last time but i did the math and we are short around XXXX and my understanding and everyone i speak to says covid modification cant have fees. so, i need to speak to someone and stop being ignored by well fargo, they deny to provide the recording of 8 calls they say those calls werent recorded, i requested the callls to be recorded they werent sure they could do that. no recordings no call backs how do we hold these people accountable?
Product: Credit reporting or other personal consumer reports

I have disputed XXXX Account # XXXX several times with each bureau Each time this Account come back verified. How is this possible because each bureau is reporting different things Experian is reporting this account as discharge in Bankruptcy but XXXX and XXXX are reporting it as a charge-off, also XXXX and XXXX both are saying the status of the account is undetermined if it a charge off it should be a close account. None of the closed dates are matching for each bureau if they all receive their information from the same place why is everything reporting so different. I want them to do the proper investigation, If they fail to conduct the proper investigation I have no choice but to consider legal options I have attached a copy of my Id and a copy of my credit report as proof
Product: Credit reporting, credit repair services, or other personal consumer reports

This account doesnt belong to me. This company reported this before and it was removed. now they have added again.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$15000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

I was scammed on XX/XX/2023 with a previous credit card at Chase Bank in the amount of {$5000.00}. I have been scammed once more with a new credit card at Chase Bank in the amount of {$5000.00}. I closed the credit card on XX/XX/2023 with the Chase Card Compliance department and the card was re-opended on the same day and I was charged again in the amount of {$5000.00}. This was another fraudulent activity on my Chase card. I called several times to get the Fraud investigated on XX/XX/2023. I plan on calling the Chase Card Compliance dept. once again on XXXX, XX/XX/XXXX. 

As you know I am a current XXXX Bank SCAM/FRAUD victim in the amount of {$700000.00} that was stolen from me. These same perpetrators that stole from me at XXXX Bank have also gotten my Chase credit card account and are stealing from me once again. I asked Chase Bank to close my credit card so that additional monies can not be stolen from my credit card. This has to be resolved.
Product: Checking or savings account

On XX/XX/2022, Paypal took {$940.00} from my business checking account with XXXXXXXX XXXX It was an " ACH withdrawal, PAYPAL XXXX XXXX XXXX ''. We have no idea who or what this is. We have spoken with XXXXXXXX XXXX who said we have to go to PAYPAL, since they got the money. We have spent hours on the phone with PAYPAL and with supervisors. The supervisors have told us that Paypal does not keep records after 60 days. We are in shock to find out that a financial institution like PAYPAL does not keep records after 60 days and can not tell us why they took {$940.00} from us. We want you to verify what PayPal has said, i.e. that they are not required to keep records from XX/XX/2022. If that is not true, please tell us how we can proceed against PayPal. This is an unauthorized withdrawal from our bank account and PayPal got the money. We believe they must be able to tell us why they took it out and who they gave {$940.00} to. Please help.
Product: Money transfer, virtual currency, or money service

California Check Cashing store in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i was going to this check cashing store to cash my checks and one day i asked for a print out of the checks that i had cashed and XXXX the supervisor gave me a print out and i looked at the print out and i noticed there where checks and i looked at my edd account because i new i had been missing some edd checks that i never got and the checks that was cashed there i believed where checks from edd so i called up the check cashing store and told them not to cash any more of my checks there because they are stollen checks and the lady XXXX told me they would not cash any checks no more well about two weeks latter i went down to the check cashing store to cash a check and i got another print out and there where more checks on the print out i asked the lady working why are there checks still being cashed under my name and she told me she did not know for me to call the main office so i did and the XXXX XXXX XXXX for me to make a police report and to call her and give her the report number so i did and they would not do nothing i told them they need to please stop cashing checks there under my name and they supervisor had told me that there is a check of mine that bounced there it was a miss understanding the man i was careing for wrote me a check for careing for him and i went an cashed it there and i went and got a letter from the man i was taking care of because the mans nefew was unaware of what was going on so i was told to file this report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block/inc ) due to inadequate customer service unfair practice which violate the consumer financial protection act ( CFPA ) specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected furthermore their disputes resolution was unfair and deceptive as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulations E. These actions has caused significant inconvenience and financial loss and i seek appropriate redress for those violations
Product: Bank account or service

Scottrade refuses to remove known-to-be-fraudulent information submitted to my IRS file. 
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX, 2013, should be removed. Scottrade is in possession of a police report that supports this request.
Product: Debt collection

this debt was paid in full. can it please be removed from collection. it is hurting my ability to obtain good credit.
Product: Debt collection

XX/XX/2020 XXXX XXXX  southwest credit system report to my XXXX, and XXXX  account on a theft report on my name with is fraudulent. I didnt authorize for any service or business with this company on behalf of I. Its fraudulent account.
Product: Credit card or prepaid card

Received a credit monitoring notification on XX/XX/XXXX that a credit card had been opened in my name with Bank of America. I marked it as fraudulent with XXXX. 

On XX/XX/XXXX I received a credit card from Bank of America in the mail. I contacted Bank of America by phone to close the account. There was a follow up call with the bank the following day to retrieve some more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/2022, to dispute fraudulent items I found on my credit report by mail. I got my dispute results on XX/XX/2022 stating that the items I was disputing were either deleted or were not appearing on my report. A few days later, on XX/XX/2022, I noticed that Equifax had without my knowledge or permission unknowingly reinserted some of the deleted items on my credit report, and claimed they were verified a couple hours later. I tried to contact the company about it, the fraud department gentleman on the phone line said that this was nothing and to disregard and the items should be deleted, so I did and went about my day, and a few hours later I get an email notification saying the disputes were updated and the accounts were somehow validated. I also went to the Equifax website and saw the items are still being displayed under " Closed Accounts. '' This is unacceptable. I have received no documentation from either Equifax or from the " original creditor '' that proves I gave written consent to anyone to furnish these items on my report ; and if the creditors state that I gave written consent, it was only due to an uninformed decision, and I was not given proper disclosure of my rights under the Gramm Leech Bliley Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent numerous 605b and FTC reports to XXXX  Equifax and XXXX. All 3 companies have ignored my letters. I also requested updated credit report be sent via us mail. Upon checking my credit in mid XX/XX/2021. I discovered Fraudulent Accounts on my report. 
The following fraudulent accounts are 1XXXX XXXX {$500.00} Ive never done business with this company or entered into a signed contract with this company. This is a fraudulent account 2. XXXX, XXXX XXXX XXXX XXXX {$270.00} Ive never done business with this company or entered into a signed contract with this company. This account is fraudulent!! 
3. XXXX XXXX XXXX is also a fraudulent account! 

XXXX XXXX ( isnt my name ) Ive never used it that way please see ftc report/ 605b all attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I called experian on XXXX, XX/XX/2023, around XXXXXXXX XXXX. XXXX. I spoke to a fraud XXXX in XXXX XXXX named XXXX. After he said his name, the call became silent and there was a long moment of dead air. XXXX stopped talking. I kept saying Hello? Agent are you there?, however, there was no response. This is known as call-avoidance and is inappropriate. As a result, I was unable to file a fraud dispute by phone. In addition, I was on a long 30 minute hold to get to XXXX. Experian needs to correct this issue because it has happened to me multiple times in the past. I have the phone call recorded for proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

My requests for proper verification and the removal of the bogus information on my credit reports have been disregarded despite the numerous written letters I have given to the three credit bureaus. I last wrote to the credit bureaus XXXX, Equifax, and XXXX on XX/XX/XXXX, but I never heard back from them. It is evident from a copy of my most recent credit report that the credit bureaus disregarded my requests. The Fair Credit Reporting Act, 15 USC Section 1681i, specifies that it is not authorized to continue reporting unverified information without any supporting documentation during the time frame permitted by law. Their willful non-compliance has violated this provision. My credit score has significantly decreased as a result of the fraudulent information that is still being reported on my credit report. I'm hoping you can help me out and get these things removed as soon as you can : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX. I have read enough to understand my rights and it is clear that you are trying to violated my Consumer Rights to save your own skins. Under the Fair Credit Reporting Act section 605b, I am requesting that you remove the disputed accounts and information off of my Credit File as soon as possible.