23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have had a checking account at XXXX XXXX  XXXX XXXX XXXX XXXX Florida since 2010 my checking account number and pin XXXX XXXX. I have been using my checking account to pay my Amazon XXXX monthly bill using auto-pay from Amazon synchrony Bank whose address is Amazon. XXXX XXXX. this has been working smoothly for 10 years. On XX/XX/XXXX I received a notice from Synchrony Bank that my Amazon store card has been closed down and I may not get another one. I contacted Amazon synchrony and they told me that I must contact XXXX bank which recently merged with XXXX XXXX become truist. XXXX has had numerous customer complaints about funds not being available debit cards not working and all kinds of banking errors. I looked on my synchrony Store card account and discovered that the digits to the last 4 numbers of my checking account were transfer so it didn't say XXXX XXXX any longer it was a different number. Amazon said my payments were being declined. I could not understand this as the account has over {$600000.00} in it. Finally I found the problem and I corrected the payment method by opening a new payment source using the correct checking account number and correct routing number from truist. I can only assume that truist made a digital error or keyboard error in entering my account number when the name of the bank changed. I would like the result of this complaint to be that synchrony accepts that this was a banking error in involving keyboard and not the consumer 's fault.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX. has violated my civil rights. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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: Mortgage

My mortgage was sold to SunTrust in the summer ( XX/XX/2021 ). I repeatedly called them over the summer to get my account number. They provide no way to communicate other than via phone and all calls have taken more than an hour each time with multiple holds and wait times. 
I only received my account number in the fall. I am not able to pay automatically by phone so I have to wait on hold to make a payment. I sent in forms to pay every XXXX weeks. They did not process these forms and assessed a late fee. I received an email ( that I can't reply to ) and a paper letter with the late fee XX/XX/XXXX -- after the fee was assessed. They did not communicate before the fee was assessed. 

I tried to log on to my online account and was blocked. I spent over an hour and XXXX minutes on the phone to get a person who could help me. For every service I request ( one-time payment, reoccurring payment, filing a complaint ) they put me on hold and make me wait. 

There is no way to communicate via email. I have no online access, phone communications require well over an hour of time for each item of communication. 

I believe SunTrust is abusing their customers by making themselves inaccessible and requiring hours of a person 's time to file a complaint.
Product: Credit reporting or other personal consumer reports

Today I looked at my credit reports and noticed inquiries that are inaccurate on my report. These inquiries violates my consumer privacy rights under 15 USC 1681. 

XXXX XXXX Via Dealer, XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX. 

I attached proof.
Product: Debt collection

On XXXX XXXX, 2015 I received a collection letter from XXXX ; for debt that had been deleted from my credit report in XXXX 2015 due to CBE Group 's failure to provide validation. On XXXX XXXX, 2015 I requested validation of the debt from XXXX ; still have not received anything. On XXXX/XXXX/15 I pulled my credit report and discovered that this invalid debt is being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so beyond tired of this. I never opened a credit card since I was XXXX. Both cards were closed. When I was in high school, I lived with m aunt XXXX ( XXXX ) XXXX XXXX XXXX while my mom worked in XXXX. A XXXX credit card was opened in my name, three capital one cards were opened in my name. A XXXX gas card was opened in my name. A XXXX XXXX card was opened in my name. A XXXX ' card was opened in my name. A Gold master card was opened in my name. A XXXX XXXX Master Card was opened in my name. They were all maxed out. I was an innocent XXXX year-old. XXXX continued to wait until the death of my grandfather. She opened an XXXX XXXX card in his and my name ( because he was dead and I was alive. ) She opened a XXXX and opened a XXXX XXXX in my grandmother 's name. XXXX has been visiting XXXX XXXX to obtain these cards and max them out. She even flew to XXXX XXXX XXXX to steal an outdated check from my grandfather for {$3000.00}. It it is video, she claimed to be cosigner. I graduated college and am done with this XXXX. Please HELP!!
Product: Debt collection

On XX/XX/2023 I got a report of an account in collections on my credit report. This is a fraudulent account, as I have never owned the associated account or lived at the address associated with the account. I filed a dispute with all major credit reporting agencies ( XXXX, XXXX, XXXX ). I also contacted the collections service on XX/XX/2023. They instructed me to file a police report, which I have done. The incident report number is XXXX and was filed on XX/XX/2023. My dispute was rejected and I was told the information was confirmed even though this is not correct. I also tried to get the collection agency to remove the account from my credit report and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to contact XXXX credit reporting agency to lift a security freeze on my credit profile so that I maybe able to access new credit. I am unable to reach a representative or get help with this matter because XXXX is not currently responding to my telephone calls. I would like to file a complaint against them for this matter.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Alleged Debt and Request for Debt Validation To Whom It May Concern, I am writing to formally dispute the validity of the debt you claim I owe. Under the protections provided by federal consumer laws, I am requesting debt validation and disputing any and all alleged debts associated with my name. This letter serves as notice of my dispute and as a demand for strict compliance with the law.

Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), you have failed to provide the required validation information to substantiate the alleged debt. Additionally, under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been given the opportunity to properly dispute the account as required by law.

Your actions, including the furnishing of this alleged debt to consumer reporting agencies without providing the proper disclosures required by law, constitute violations of 12 CFR 1006.34 ( d ) and 15 U.S.C. 1661-5 2 ( 7 ) ( A ). These actions amount to false, misleading, and deceptive practices, which infringe upon my consumer rights.

In accordance with my rights under federal law, I am disputing the validity of this alleged debt. I also demand the following : 1. Debt Validation : Provide proof of the alleged debt, including a copy of the original agreement between myself and the original creditor.

2. Purchase Agreement : Furnish the purchase agreement or other documentation that demonstrates your authority to collect on this alleged debt.

3. Licensing and Bonding : Provide proof that your company is licensed and bonded to collect debts in my state.

Furthermore, I hereby revoke any and all authorization for your company to contact me via phone calls, text messages, or emails, effective immediately. All future communication regarding this matter must be conducted through written correspondence sent to my mailing address listed above.

Failure to comply with these requests or continued violations of my consumer rights will leave me with no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

Please provide the requested information within 30 days of receiving this letter. If you fail to do so, I will consider this matter resolved, and any further collection activity will be deemed unlawful.

Thank you for your attention to this matter. 

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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Product: Debt collection

Professional Credit MA, has put a charge off on my credit report in the amount of {$1100.00}. Opened in XX/XX/2015. I have never been contacted about this debt from anybody. I haven't ever received any phone calls, emails, or letters in the mail.. Isn't this against the law? Aren't the creditors supposed to contact me about a debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fat along with XXXX at XXXX XXXX since XX/XX/XXXX at which day failed to provide me with information on the income based repayment program as well as Ombudsman group advise them to remove all credit reporting on payment history prior to my bankruptcy on XX/XX/XXXX and they still after 2 years of complaints have failed to do so which is causing a negative effect on my credit bureau as well as fifteen years now in late fees repayment for XXXX 's deferment they never once advised me of the option of income based repayment program which makes my account balance a XXXX amount owed every month due to the fact of being a single mom of XXXX children. So I want to file an official complaint against baby and in regards to never vitamin all information which could have assisted in repayment options for the last 15 years as well as increase balances of {$5000.00} in the last 15 years as well as late fees and they refused to advise me of the information in regards to trying to include myself in the mass litigation against XXXX
Product: Credit card or prepaid card

My Bank of America credit card was closed without notice despite having a XXXX  balance and being a customer of Bank of America for over ten years. I was sent a letter on XX/XX/2020 for the basis of the account closure. 

Some of the basis for the account closure stated in the letter are completely inaccurate and wrong and based on incorrect information. 

Having an account closure without notice has severely affected my credit score leading to detrimental affects.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I have contacted by certified mail each credit bureau as well as the collection agency to only have a failed attempt. My information and one of a XXXX XXXX XXXX have somehow merged. I have provided sufficient information to everyone to only get back send verification. When I ask for verification of these accounts they send to my address XXXX XXXX XXXX information. I know this must violate some privacy laws. If Im receiving her information she might also be receiving mine. My credit score has dropped from a XXXX to a XXXX due to her information being put on my reports. I also have accounts that are not even showing on my reports. I have exhausted all options. So Im not here. Please fix this issue. When my credit is ran they come back with her scores and information. Please Help.
Product: Debt collection

Have been called over 10 times a day from different numbers but all are the same company as they are attempting to mask who they are. They are advising to have a representing attorney contact them to resolve the matter or they will escalate further. Which feels like they are harrassing/threatening me.
Product: Debt collection

NOTICE FOR REQUEST OF INFORMATION AND NOTICE TO CEASE AND DESIST INTENT TO SUE AND I WILL SUE AFFIANT/BENEFICIARY : XXXX : XXXX. 
DEFENDANT : UNITED CREDIT & COLLECTIONS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ALLEGED ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR ACCOUNT NUMBER : XXXX ALLEGED DEBT AMOUNT OR BALANCE {$390.00} CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX XXXX DEAR XXXX UNITED CREDIT & COLLECTIONS DEBT COLLECTOR STOP VIOLATING THE FDCPA USC 1692D EXHIBIT A1 : I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE THIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. 
ACCORDANCE TO 15 USC 1681s-2 ( a ) ( 7 ) A ( i ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP HARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS NAME IN COMMERCE. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL WHICH I ONLY RECOGNIZED COMMON LAW. 
EXHIBITA2 : I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY. YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. CEASE & DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES ( CRAs ) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED DEBT FROM MY CONSUMER REPORT. THIS LETTER IS EVIDENCE PROVIDED VIA TO THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ). THE CFPB IS AUTHORZED TO FULLY INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB. FOR TREBLE DAMAGES SINCERELY, XXXX XXXX XXXX XXXX Living Woman UCC1-308 WITHOUT PREJUDICE BENEFICARY OF acct # XXXX XXXX XXXX NOT THE TRUSTEE
Product: Checking or savings account

I do not have overdraft but my account gets overdrafts then I have to pay the fee everytime when the transaction should just decline if the money is not there. This been happening for years now
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 or prepaid card

This complaint is being filed against XXXX XXXX Bank that issues the XXXX  XXXX   Retail XXXX XXXX of 2017 I made a purchase on my account for {$120.00}, there was a payment due on the account which was missed so a late fee of {$25.00} was applied, so I paid my balance that was due on the account and the bank has continued to charge me late fees when I have no outstanding balance and no transactions.I have tried to speak with XXXX of their supervisors about this matter but they are unwilling to remove these and continue to charge late fees upon late fees I can only assume to generate more money for the bank with no transactions that have been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that XXXX XXXX XXXX has denied me of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making XXXX XXXX XXXX an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that Wells Fargo takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system
Product: Credit card

XX/XX/year> Attn : Consumer Financial Protection Bureau Complaint Department Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Apple and Goldman Sachs for Illegal Apple Wallet Behavior, Identity Theft and Financial Theft To Whom It May Concern, I am writing to formally file a federal complaint against Apple Inc. and Goldman Sachs for their involvement in fraudulent activity, including identity theft, illegal fees, manipulation tactics, failure to comply with federal laws and regulations related to my joint credit account and misuse of my personally identifiable information.

It has come to my attention that Apple has established a pattern of behavior wherein they deny disputes related to user transactions when the disputed amount tends to exceed {$100.00}, even in cases where overwhelming evidence points to fraud or theft by third-party actors.

This practice effectively shields these bad actors from accountability and allows them to continue exploiting the Apple Wallet platform, resulting in significant financial losses for innocent consumers. It also benefits Apple and Goldman Sachs as they are able to continue collecting payments and interest on said transactions without the need to spend internal resources on properly investigating as per the federal law and refunding consumers where fraud is evident.

Apple 's refusal to investigate these disputes further, despite compelling evidence, constitutes a gross negligence and complicity in the fraudulent activities perpetrated against its users. By failing to take appropriate action, Apple is not only enabling these bad actors but also profiting from their illicit activities through transaction fees collected from unsuspecting consumers. Goldman Sachs is also accountable for failure to respond efficiently and provide sufficient evidence of investigations or any relevant data upon request, also financially benefiting from this scheme.

Apples representative have repeatedly asserted the Fraud Prevention Team is unable to be contacted by customers and they even dont have a way to internally call, message or contact their own counterparts to confirm financial transaction details in order to complete their review.

This systemic failure on Apple 's part has led to a proliferation of fraudulent activity on the Apple Wallet platform, resulting in billions of dollars stolen from consumers. Many victims have been forced to seek recourse through various agencies, including the XXXX XXXX XXXX and the Consumer Financial Protection Bureau.

I urge the Federal Trade Commission to launch a thorough investigation into Apple 's practices and to hold both Apple and Goldman Sachs accountable for their role in facilitating fraudulent activity and harming consumers. This matter warrants the full force of the U.S. federal government to protect the rights of American citizens and prevent further financial losses. 

Thank you for your prompt attention to this urgent matter. I have attached supporting materials for each case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive failed a dispute in regards to the incorrect items on my credit report it has been well over 30 days and I havent received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017 Cbcinnovis Did a hard Inquiry on my account They had my permission then. They did another Inquiry on XX/XX/2017 and XX/XX/2017 They had my Permission to run my credit. 

Months passed by and on XX/XX/2017 they did another Hard Inquiry and again XX/XX/2017 and another on XX/XX/2017 I called Cbcinnovis and I asked why they had ran my credit again, they said it was a mistake. They had another customer with the same name and accidentally ran my credit. I asked if they can take care of it and they said yes. I waited and they haven't done anything to fix it. It has now been a year and still no movement. I am very upset as a consumer because it has had a negative affect on my credit. I am trying to fix my credit at the moment and this is not helping