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

The Chase XXXX XXXX XXXX XXXX card promised to provide a credit improvement only upon obtaining this card, several years back. 

I pay annually XXXX $ to maintain membership with this card. The sole purpose is that I am trying to improve my credit score. 

However, the company lied about its intent. It cut my credit line at an inopportune time,, and sneakily, when actually I was trying to make big payments to pay the account. 

I spoke with XXXX and he was very rude in CS. I was  disconnected several times when talking about this issue, as they declined to answer. Mr. XXXX said someone from his managerial side is going to contact me regarding this account, and so far no one called. 

Unfortunately, I also have an account in this bank which made a primary goal to destroy consumer credit. Also, they do not have the correct information regarding my credit history which makes it unlawful to cancel my credit line by substantial amounts. 

Please investigate on their fees and other activities including cancelling or lowering accounts when they wish to review without customer knowledge.
Product: Money transfer, virtual currency, or money service

For no reason at all I have been frozen out of my Coinbase account. I have thousands of dollars with them. When trying to resolve this with their support team, they offered a criminally vague statement that said " You are no longer eligible to link any payment methods. We are not able to provide you with any additional information. '' Which means they won't give me my money back and they won't tell me why. This is theft.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Synchrony Bank regarding their questionable business practices, specifically their freezing of available credit on my account despite making two substantial payments. I believe that this action is unjustified and hinders my ability to effectively manage my finances. 

On XX/XX/2023, I made a payment of {$4000.00} towards my Synchrony Bank account, followed by an additional payment of {$2500.00} on XX/XX/2023. These payments were made to reduce my outstanding balance and increase my available credit. However, to my dismay, Synchrony Bank froze my available credit instead of reflecting the payments on my account. This too over 2 weeks for this to be reflected on my account.

The freezing of available credit despite making substantial payments is not only confusing but also puts unnecessary constraints on my ability to utilize the credit I have diligently maintained. This action by Synchrony Bank hampers my financial flexibility and restricts my access to the credit I have earned through responsible financial management. 

I strongly believe that this freezing of available credit is an unfair and deceptive practice that goes against the principles of transparency and customer-centricity that should be upheld by financial institutions. It undermines the trust and confidence I have placed in Synchrony Bank as a loyal customer. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate actions against Synchrony Bank for their unfair business practices. I urge the bureau to ensure that banks are held accountable for their actions and that consumers are protected from such unjust practices.

I am prepared to provide any additional information or documentation required to support this complaint. Please feel free to contact me at XXXX to discuss this matter further. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will take prompt action to address this issue and protect the rights and interests of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$13000.00}
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 XXXX XXXX XXXX. 

Account Name XXXX XXXX  XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Debt collection

Delete those late dates and update the statuses of the accounts mentioned below. I've disputed and sent letters, but the inaccurate information remains on my report. Take immediate action to comply with the law, delete the late dates, and ensure my credit report is accurate no more delays or excuses! If you don't, legal action will follow. XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} and XXXX XXXX  XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00}.
Product: Money transfer, virtual currency, or money service

Someone had me transfer money to their friend 's account to help pay for airline fees. 
The total was {$210.00} and I sent it to XXXX XXXX e-mail at XXXX on XXXX. But then the person ( XXXX XXXX XXXX ) ( who's e-mail was XXXX ) started demanding money for many other things. Turned out to be fraud. I was wondering if I could get my money back.
Product: Mortgage

I have recently completed 12 months of on time payments after completing a forbearance. 

I asked my servicer ( RoundPoint ) through their customer retention group to reach out so I can talk to them about refinancing my loan ( throughout the forebarance my credit to a hit because the payments were reporting late ) No response. I followed up with another email two weeks later and received no response. 

I then reached out via email to the customer service group. I received a notice that the request had been received, but no response. Prior to this, the customer service department has been good about responding. I send another message a week later to follow up on my question. 

My hope is that my servicer could assist if anyone can due to the credit hit. I can accept a no, I cant accept being dismissed as not important enough to respond to.
Product: Debt collection

I am writing to file a formal complaint against Opportunity Financial for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Opportunity Financial is reporting an account on my credit report that I dispute, and they have failed to validate the alleged debt as required by federal law.

Details of the Complaint : Failure to Validate Debt : Under 15 U.S.C. 1692g of the FDCPA, consumers have the right to request validation of alleged debts. I have requested that Opportunity Financial validate the debt by providing documentation that verifies its legitimacy, including proof of the original agreement, the amount owed, and evidence linking the debt to me. To date, they have not provided sufficient validation of this debt, violating federal regulations.

Improper Credit Reporting : Opportunity Financial continues to report this disputed and unvalidated debt to the three major credit bureaus ( XXXX, XXXX, and XXXX ). This is a violation of 15 U.S.C. 1681s-2 of the FCRA, which requires furnishers of information to ensure the accuracy and integrity of the data they report. Reporting a debt without validation constitutes inaccurate and misleading reporting.

Harm Caused : The improper reporting of this unvalidated debt has negatively affected my credit score and financial standing, caus
ing undue stress and limiting my access to credit opportunities.

Relief Requested : I request that Opportunity Financial immediately validate the debt in compliance with the FDCPA. This includes providing detailed documentation verifying the debt, identifying the original creditor, and confirming the amount owed. 

If the debt can not be validated, I request the immediate removal of the account from all three major credit bureaus.

I request written confirmation from Opportunity Financial stating that the account has been removed or, if validated, providing all supporting documentation.

Proposed Resolution : To resolve this issue, Opportunity Financial must comply with federal laws by either validating the debt or removing the account from my credit reports. Failure to address this matter appropriately may result in additional complaints to the Federal Trade Commission ( FTC ) and potential legal action to protect my rights under the FDCPA and FCRA.

I kindly request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Opportunity Financial adheres to all laws governing debt collection and credit reporting. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not aware of this company or how it gained access to my credit report without my consent on two separate occasions Ally financial XX/XX/20 Ally financial XX/XX/20
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report. Attached to my SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, real employer paycheck stubs, driver 's license, and my W-2. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 
15 USC 1681-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 
Account Name- XXXX XXXX Account Number- XXXX ( XX/XX/XXXX ) XXXX INACCURATE INQUIRES THAT NEED TO BE REMOVED! 
XXXX XXXX XXXXXXXX BANK CREDIT CARDS XX/XX/XXXX ( TRANSUNION XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX ) XXXX XX/XX/XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX MISCELLANEOUS FINANCE XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXX U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 
XXXX XXXX XXXX section XXXX A Section XXXX : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, 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 dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I closed my account with XXXX XXXX in XX/XX/XXXX, and I returned my equipment in XX/XX/XXXX. I had a bill with XXXX XXXX  that I did not pay and they gave my debt to XXXX XXXX XXXX. I paid a balance of {$330.00} to XXXX XXXX XXXX, and this balance was paid off in XX/XX/XXXX. Somewhere between XXXX XXXX XXXX sending my paid in full balance to XXXX XXXX, XXXX XXXX  gave my account to I C Systems in the month of XX/XX/XXXX for the balance of {$290.00}. I made several calls, and I sent all the paperwork they requested to the I C System and the same with XXXX XXXX. I have disputed this account several times. They are all refusing to comply and accept that I paid off my debt for my XXXXXXXX XXXX services to XXXX XXXX XXXX. 

Please help me with this matter. I am cleaning up my credit, and now this is on my credit report under collections.
Product: Credit card

I am seeking your assistance in resolving a dispute with Synchrony Bank regarding my XXXX XXXX account. Below is a detailed explanation of the issues I have experienced : 1. Account Reissue and Access Issues On XX/XX/XXXX, Synchrony Bank reissued my XXXX XXXX account number due to suspected fraud. Following this reissue : *I was disconnected from my online account access through XXXX XXXX 

Since that date, I have been unable to access my account or view statements online. 

Emails sent by Synchrony 's system did not provide any means to access my statements, view my balance, or make payments. Clicking the links results in going to my XXXX home screen without any XXXX XXXX account access available. 

2. Multiple Unresolved Customer Service Requests Between XXXX and XX/XX/XXXX, I contacted Synchrony 's customer service at least 10 times to resolve this issue. During these calls : *Customer service representatives filed multiple tickets with XXXX requesting to re-link my account, but these requests were never fulfilled. 

*I was unable to receive or view any billing statements, which prevented me from making timely payments directly. 

*I made payments over the phone, believing my account access issue would soon be resolved. 

3. Payment Made in Full in XX/XX/XXXX In XX/XX/XXXX, I called Synchrony Bank directly to : *Pay off the account balance in full, which was approximately {$240.00}. 

*Explain the ongoing access issue and previous unsuccessful attempts to resolve it. 

During this call, a representative acknowledged the issue and confirmed the following : *She noted that I did not receive the statement on time ( or best category match in the system ), which was the cause of an interest charge. 

*Interest charges were to be removed. 

*Late payments reported to credit bureaus were to be reversed. 

*She was escalating my ticket to restore XXXX access to my XXXX XXXX XXXX account. 

4. Contradictory Investigation Letter On XX/XX/XXXX I received a letter from Synchrony Bank stating that their investigation confirmed that statements had been sent to me. This contradicts : *The statements made by XXXX XXXX the access issue and interest charge removal. 

*The fact that I have not been able to access any statements since XX/XX/XXXX. 

I still can not access my account online through XXXX like I used to and Synchrony refuses to mail me any statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$4900.00} XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXXXXXX Balance : {$5300.00} XXXX XXXX XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I have not authorized the hard inquiry, this is a result of fraudulent activity on my report, the hard inquiry is XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 late payments on my experian credit report from XXXX in which I have submitted an email from the rep for the XX/XX/XXXX late payment was not late and this is still coming back as verified and not removed. The late payment in XXXX of XXXX I submitted the proof that I was in loan modification with the end date being XX/XX/XXXX with instructions to make a XXXX payment to a different servicer once modification was approved which I did immediately after receivng the letter but I also did not get the letter until XXXX so I had to make XXXX and XXXX at the same time
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX US DEPT. OF EDUCATIO XXXX has violated my rights. 

- 15 U.S.C 1681 section 602 A. States I have a right to privacy.

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

there 's a few reasons that I am making a complaint and I want a full investigation into these issues and inaccuracies. I know that when I dispute with the bureaus and creditors, they are required to put the required notice of dispute pursuant to section XXXX within 30 days. This was n't done and section XXXX states that the accounts can not report without this. These accounts must be deleted. 

On top of this, I 've disputed these accounts with the CRA 's and have clearly listed each of the inaccuracies that I 've encountered and nothing was corrected! How can this be when I 've pointed these items out? I know that I have rights under the FCRA and these items must be corrected or they must be deleted pursuant to section XXXX so why are they still on my credit report?! 

Here are a few examples : Experian is reporting different open dates than the other XXXX bureaus XXXX  is reporting a monthly payment on a charged-off account There 's no original amounts on certain accounts and I notified them of this and it was n't corrected There 's different or missing limts on XXXX on all XXXX bureaus XXXX and XXXX is reporting the XXXX accounts are currently 120 days late instead of transferred and I can not be 120 days late on transferred accounts and all accounts that are transferred must be reported as such I 'm attaching my identification, my most recent disputes and my credit report to prove these things.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report and found several inquiries that were not authorized by me. The inquiries are all from XXXX XXXX. I contacted XXXX XXXX and received the attached letter dated XX/XX/22 from XXXX XXXX wherein XXXX XXXX admits that the inquiries were not authorized by me and informs me that they have told the credit bureaus to delete them. XXXX and XXXX did delete them. Equifax did not delete them. I have attached a copy of the letter from XXXX XXXX to this complaint. In addition, I have filed a disputed on Equifax 's website regarding these inquiries. The Equifax dispute number is XXXX
Product: Debt collection

MACDOWELL & ASSOC FILED GARNISHMENT FOR DEFT OUTDATED SINCE 2008 AND NOT COLLECTIBLE PER GEORGIA STATE STATUE OF LIMITATION OCGA 9-3-25 AND VIOLATED FCBA WITH XXXX DIFFERENT COMPNIES DEMAND PAYMENT ON SAME ACCOUNT ; AS WITH " XXXX AND XXXX XXXX XXXX '', COMPANY FAILURE TO SEND ITEMIZE VALIDATION OF DEBT OUTLINED AND OR SIGNED APPLICATION OF ALLEGED DEBT
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXXXXXX BALANCED {$500.00} XXXX XXXX XXXX BALANCED {$3200.00} XXXX  XXXX XXXX BALANCED {$780.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} This account has resulted in several appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent account. I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account is 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 account is the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the complaint to XXXX Trans Union and XXXX about incorrect items on my credit report it is well past 30 days and I have not got any information back on my investigation
Product: Debt collection

Previously filed complaint, however, complaint was closed without full investigation. 

ERC  is attempting to collect debt for returned XXXX XXXX XXXX  equipment. 

I found the receipt for returned equipment and will attach to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name of Furnisher : XXXX XXXX amount {$700.00} XXXX XXXX reporting incorrect Info : XXXX XXXX Date I made XXXX : XX/XX/XXXX cashier 's check from bank was mailed to Furnisher XXXX XXXX 
The debt collector from online has ha it of taking peeps money and not providing clearance letters for their report. 
XX/XX/XXXX - Filed dispute with Equifax. They did not update report. 
XX/XX/XXXX Filed dispute with XXXX.