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

I applied for a Guitar Center Credit Card XXXX XXXX XXXX XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX and Syncrony, XXXX XXXX / Syncrony Financial processed the credit application. 

I was denied credit based upon " Address of record did not match .... '' Yet I was denied because I wrote home address `` Drive '' on the Guitar Center credit application and not dr or DR . 
Syncrony, XXXX XXXX  /Syncrony financial ( processed & delivered ) to guitar center XXXX XXXX , California a ( defective / flawed ) credit report. 
-Map of my home address attached - My credit scores are attached. 
I spoke with XXXX, a customer service agent with XXXX. 
on Thursday XX/XX/2018 between XXXX and XXXX XXXX time to inquiry specifically about acceptable vs. non-acceptable ABBREVIATION ( s ) on FICO applications and documents, that might or could affect or have a impact on a credit report. 
" It is outside of FICO scoring ", DENIAL OF CREDIT FOR USE OF AN ABBREVIATION, AS PART OF MY HOME ADDRESS IS OUTSIDE OF THE " score ' AND FICO SCORING. " formula " It is my position Syncrony, XXXX XXXX /Syncrony financial did not deliver a Factual " FICO CREDIT REPORT and any and all documentation sent to Guitar Center are defective & flawed, and not a accurate or true reflection OR representation of my current Credit or Factual Credit History, on file with : XXXX , XXXX and XXXX References, U.S . Department of Commerce California Chamber of Commerce, Utah Department of Commerce and other State & federal, CALIFORNIA & UTAH, regulatory agencies. ( drive ; dr dr. acceptable substitutions for `` Drive " ) United States Postal Service It seems like the logic of Syncrony is you can NOT use the root form of the word ONLY THE substituted?

Syncrony is thus, in my opinion operating, delivering a product " predictive analytics, or opinion outside of accepted FICO Fair Isaac Corporation, protocols.

- attachment MAP of my home address -attachments XXXX XXXX 2018 snapshots. 

Under penalty of perjury the above statements are true and accurate. 
signed :
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX AND DEPT OF EDXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX, XXXX XXXX XXXX AND DEPT OF ED/XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

t was happened at XXXX. XXXX XXXX ( office ) on XX/XX/2018, the first time, I used the XXXX signature visa card to pay the amount of {$5500.00} and it was declined, then, the merchant asked me to use other credit card, I said, I may be change mind, I held the citi visa card, he took it then charged it. I got home and checked my acct, the amount was on there and was pending status. I called to the citi billing disputes dept on XXXX, I got a case confirmation # XXXX. Later, I faxed all documentation to the citi when they requested. I called back to the citi on XXXX, they told me, the case is still continue to processing now, and will remove that amount from my acct. Now, I received the new message from the citi on XXXX, the amount of {$5500.00} back to my acct. I am requesting to resolve this issue.
Product: Debt collection

My complaint is in regards to a debt that is being " XXXX reported on my credit file by AFNI Incorporated, under account # XXXX in the amount of {$1200.00} which was sold to them by XXXX. 

I have requested " validation '' of this debt from them which I do not owe because I have never signed any contract with this company. What they continue to do is send me was a bill and a letter stating that they are the owners of this debt. This company continues to report this on my credit file which I have recently disputed with all XXXX credit bureaus and with them as well. Please also see attached a letter from another debt collection agency, XXXX XXXX, in which they have ceased collection efforts and closed this account. Therefore, AFNI have broken the law by not validating said debt, and they still have not marked the debt as disputed on my credit report within 30 days. 

Any assistance that your organization can provide would be highly appreciated. 

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

Despite numerous attempts via telephone, online, via mail and a prior CFPB complaint, Experian continues to report inaccurate personal information ( several names and one address ) and inquiries on my credit report that I did not authorize. I have provided them with a copy of my drivers license to show what my name and current address is yet several inaccuracies are still being reported. The prior CFPB complaint I submitted was literally initiated and remain unchanged within mere minutes. There is no way they are investigating these inaccuracies nor care to. There are at least 15 inaccuracies and each one carries with it a fine, yet Experian continues to refuse to correct the inaccurate information.
Product: Debt collection

XXXX did not look into the fact that this is a write off by Santander. The original creditor ( Santander ) has determined that this is a charge off ( written off ), and a close out. Which in turn means that the original creditor can not take any further collection action after close out, including selling the debt to another agency, and if required by XXXX XXXX and regulations must report closed out debt to the IRS. 
The fact that Santander wrote this debt off as a charge off means that Santander reported this debt as a loss to the IRS. Therefore this means that no further payments are due. In addition : the balance reflects a XXXX balance on credit reporting agency reports. Santander could not legally sell this debt, therefore they have violated my privacy by selling my information to XXXX, and XXXX has violated The Fair Debt Collection Practices Act by not validating the debt collection accuracy and or legality. Santander May also be in violation of other laws if in fact they did sell a debt to XXXX and collected any money from that sale, after reporting it as a loss to the IRS
Product: Debt collection

I am disputing account number XXXX with LVNV Funding because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted LVNV Funding to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. The account is also being reported as having a credit limit when according to the Credit Reporting Resource Guide & Metro 2 standards, credit limits only pertain to charge cards or revolving credit. Not collection accounts.
Product: Credit card or prepaid card

In XXXX when the bank did something I didn't ask for I closed all my accounts with them including my credit card at which time I paid it in full. see copy of lettering enclosed apparently they've been compiling interest since on a zero balance and when I call them to take care of it they claim there's interest due because it compiled daily until it's paid seems like a issue with their system
Product: Debt collection

XX/XX/XXXX Case Number : XXXX I am filing a complaint against XXXX XXXX XXXX. This company bought a debt that I had with XXXX XXXX in XX/XX/XXXX of XXXX. Later in XXXX I started receiving phone calls from XXXX XXXX in XXXX about this debt. The XXXX XXXX employees in XXXX asked me for my credit card number to pay the debt. I didn't want to give them my credit card number and wasn't convinced that this debt belonged to me. The default date of the last payment on this account was XX/XX/XXXX. In and around XXXX of XXXX. I began receiving calls from this Company MCM in XXXX, they would call me several times during the week and ask me if I would pay this debt, I ask them where I was calling, and they said XXXX. I replied where am I calling where again he said XXXX, I stopped to think about what he just said, and I said back XXXX, and you want me to give you my Credit Card I don't think so. This went on for several mouths and a couple of years. I told them No, send me a bill, they called me in or around XXXX of XXXX I told them my situation they said ok XXXX XXXX they asked me about my Law suit I said I could not talk about it, I'll know more in a year, I never heard back until I called them in XX/XX/XXXX, since then I have found them to be dishonest in my findings. I talk to Attorney XXXX XXXX on XX/XX/XXXX, I told him that statute of limitations has ran out. He said NO, on XX/XX/XXXX he said I made a payment and I said NO, I did NOT. This account has been closed for over 8 years or more. We checked our checking account, NO records found to XXXX in our checking account stating from XX/XX/XXXX. He made this up, so the status would be affective when earlier I mentioned the default date and last payment was made on XX/XX/XXXX. There is much more to be said about their Law practice, more can be given to you upon request.
Product: Prepaid card

On XX/XX/year> I called Bank of America EDD Prepaid Debit Account Support so I could transfer my remaining XXXX money to my personal account with Bank of America, which was around $ XXXX. 

On that call I noticed XXXX fraudulent charges on the account. 

Due to this, they canceled the debit card on the account ending in XXXX, which is the card that showed the XXXX fraudulent charges in question. 

When I received the replacement debit card XXXX days later and called their automated system to activate it, the account balance had been drained by roughly {$2500.00} due to charges that went through on the canceled card ending in XXXX, yes the card that was canceled on the XXXX. The charges came through on the XXXX and XXXX, none of which were made by me. 

How is it possible that the account incurred charges on the XXXX and XXXX when the card was canceled on the XXXX? 

They stated it could take 90 days to investigate. This is unacceptable to me as there wasn't even an activate card on the account when these were incurred. This is a systemic problem on their end or VISAs. 

I am XXXX and need to have access to this money to live on. Bank of America has probably received a total {$55000.00} of my XXXX money over the course of 8 months from the EDD and this is the only time that fraud was committed. 

They should at least give me immediate access to the fraudulent charges while they investigate and not the other way around by making me wait 90 days.
Product: Payday loan, title loan, personal loan, or advance loan

I keep receiving calls from Northwestern Mediation saying that if I do not pay the company is going to sue me They were asking for a payment arrangement over the phone and sent me an edocument to sign which I haven't. I can not find this company online and they are calling from XXXX The company they claim to be representing is XXXX XXXX XXXX. The person 's name who is calling is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After being denied credit, I pulled my report and noticed several loans I did not obtain. TWO loans in particular are student loans from the federal government that has been removed from my credit report on many other occasions. These accounts were removed in XXXX, twice in XXXX, XXXX, and three times in XXXX. Since XXXX I have supplied the bureau with countless police reports ( 4 to be exact ), 4 ftc reports, 2 different signed affidavits etc. however this bureau is seemly the only bureau who keep allowing, not only the reinsertion of these two loans but keep claiming to have validated them but will not inform me on who it validated, who validated and by which method. 

these loans were taking out during the same time frame, obtained online and used my old address. I contacted the credit bureaus and was told to obtain ANOTHER police report, get ANOTHER signed affidavit of identity theft and report the accounts to the federal trade commission AGAIN. Per the bureaus request I did all of these things and sent them a packet certified mail with the information. 

the bureaus are now telling me I am not an identity theft victim but placed an identity theft notification on my report. 

AGAIN, these loans are federal loans that previously reported and REMOVED under XXXX, DEPT OF EDUCATION/XXXX AND IS NOW REPORTING AS DEPARTMENT OF EDUCATIONXXXX AND OR JUST OSLA AND/OR XXXX XXXX XXXX XXXX. literally every few years the name changes but they are the same fraud loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a statement from Ally Bank that I had been denied for an auto loan when I went into a dealership on XX/XX/XXXX to receive financing. They had ran my credit with 3 different credit bureaus : XXXX, XXXX, XXXX XXXX. Ally Bank only reported my scores for XXXX ( 800+ ) and XXXX  ( XXXX  ). I was denied an auto loan based on my low innaccruate score from XXXX. When I tried reaching out to XXXX to dispute this credit score, I receive no response back and their phone line goes straight to voicemail during normal business hours. I called Ally Bank and they said they've never heard of XXXX before and that they usually go through XXXX. I believe XXXX is a scam credit bureau and I was denied approval for an auto loan due to this company and I have no way of disputing it.
Product: Credit reporting or other personal consumer reports

XXXX requesting your assistance with the incorrect account reflected on my credit report. It has damaged my reputation, and I need you to help fix this situation. Your incorrect reporting has caused me considerable distress, and you need to clear this inaccurate information from my record.
Product: Debt collection

XXXX XXXX XX/XX/19 I did not get or try to get XXXX XXXX. I havent been in cali since XXXX of last year. My dad was in the hospital sick
Product: Credit reporting

I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.
Product: Payday loan, title loan, or personal loan

I applied for a home equity line of credit with PNC bank on XX/XX/21. I filled out an application online and spoke to a loan officer on the phone. I was given an application number and a secure account to log into that required me to put in the last 4 of my social security number. I was then sent secure communication from XXXX XXXX at PNC bank. She request that I send documents to support my application which I did on XX/XX/21 including proof of my income, information about my current mortgage. I received a call from her on XX/XX/21 saying that my income had been verified and that I would hear soon about an appraisal. I called on XX/XX/21 as I had not heard any updates and asked when the appraiser would be out to see me. She asked that I verify the last 4 digits of my social security number. When I gave her the numbers she said they did not match the application. This to me did not make any sense as I had to enter the last 4 digits to open documents to the application and had given my information on a recorded line and given the correct social security number. I asked to speak with a manager and voiced my concern about my security and this error with my social security number. She offered an apology without any explanation of how this could have occurred. I am concerned about when this error might have occurred in the process, if there is some inaccuracy or misdirection happening and that another person 's credit was ran for this loan given they had the wrong social security number.
Product: Credit reporting or other personal consumer reports

I noticed inaccuracies on my credit report under 15 USC 16c-2. The listed inquiries were not authorized by me and are negatively affecting my credit. Please remove all unauthorized hard inquiries.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On XX/XX/2022, I bought a {$100.00} XXXX XXXX XXXX  from a XXXX self-checkout in XXXX, MD. I tried to order something on XXXX, but it said the card details were invalid. I tried many things. I checked to make sure the details were correct and they were. I tried using the name " cardholder, '' along with my own name. So I tried checking the balance in the XXXX website and wasn't able to. It said they were invalid details. I also tried checking the balance on other official sites, such as XXXX  and Vanilla gift cards, but it would not work. I've been scammed out of {$100.00} ( plus taxes ) by XXXX.
Product: Debt collection

A credit card by XXXX called a XXXX XXXX was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with XXXX XXXX, XXXX, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX nor XXXX has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX collections remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2025, I received an alimony payment from XXXX XXXX XXXX XXXX. Approximately XX/XX/2025, I cashed the check at XXXX grocery store. I produced the check to the clerk ; she ran the check through their system, she then handed the check back to me I signed my name, and the monies were given to me. On XX/XX/2025, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX indicating the check below was returned due to double presentment. This incorrect and fraudulent activity. I dispute all claims and demand this information to be removed form ChexSystems. 

as of XX/XX/2025 XXXX XXXX XXXX Check number XXXX Check dated XX/XX/2025 Check amount {$180.00} Check fee {$25.00} Total due {$210.00}
Product: Money transfer, virtual currency, or money service

On Thursday, XX/XX/2023 I went to make a deposit at Wells Fargo, XXXX XXXX XXXX, XXXX XXXX, GA XXXX at XXXX. I used my ATM card and input my pin. I selected deposit cash into my savings account. The deposit door opened, and I put my cash in. It was in cash, 2 - XXXX dollar bills, XXXX XXXX dollar bills and XXXX XXXX dollar bills. A total of XXXX dollars. After that, the system went out. It didnt give me a confirmation. I then went and parked my car and went into the bank. The young lady told me she couldnt do anything about it and for me to call the XXXX number on the back of the ATM card. 

After calling and telling the representative what happened, she completed a claim for me and denied the claim. Please let me know what else I can do about the matter. 

XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Capital One Bank committed security fraud, by accepting XXXX XXXX credit card, and making multiple trust acts with XXXX, XXXX, and other corporations that Capital One created agencies with through advertisement, which caused Capital One Banks breach of fiduciary duty, in malice. SEC Rule 10 b-5 Capital One Bank malfeasance in public office during XXXX XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104
Product: Credit card

On XX/XX/year>. I was emailed and told by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ) that a bunch of music /software equipment was charged to my XXXX  account and charged to my Synchrony bank charge card. I never ordered any of those items or authorized them. I immediately called XXXX XXXX XXXX to cancel those items, if they were shipped, and have them returned and credited. I also explained to them that someone must have fraudulently ordered those items and charged them to my account. I then asked again to please remove them from my account and to cancel all items for a full refund. 

I did receive a pack of guitar strings in the mail which I did return, see invoice XXXX. That was the only item I received in the mail XXXX All the other items were software related and did not need to be shipped. The software that was fraudulently ordered could be downloaded from a link., And did not need to be shipped..I never received any link to download that software. I am still being charged for all those items that I did not order or receive. 

I need this matter of fraud taken care of and the amount of money removed from my account at Synchrony banks credit card permanently and IMMEDIATELY.This has been going on now for 5 months back and forth and nothing has been resolved. No one at your bank seems to show a serious interest and ignoring my honest explanation of events. 

Again, these fraudulent charges need to be removed from my account and addressed immediately. I am reporting this to the Consumer Financial Protection Bureau, Federal Trade Commission and I have contacted the XXXX XXXX Police department. This needs to be corrected and I need to be credited for the amount of {$870.00} and {$470.00}. 
If this matter is not corrected I am filing a law suit. The stress caused by this matter is serious. 

In summary, the only product that was shipped to me was the guitar strings and I returned them to XXXX, I did not order. XXXX said there has been a problem/fraud with software that does not have to be shipped only downloaded from a linkan open invitation to easy fraud tactics. 

Thank you, XXXX XXXX