23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is against Synchrony bank as regards to an alleged debt. An account I had with XXXX XXXX, Synchrony bank was closed in XXXX as to economic hardship due directly to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Covid 19. I closed this account and was placed in a customer assisted program. I was paying XXXX XXXX monthly to an agreement amount then the remainder or balance was to be forgiven in a 1099c form. This did not happen and now this company, Synchrony bank is not holding up the agreement and wants to continue collecting monthly charges of {$85.00} after I already paid the agreed amount. Im now being contacted by agents of Synchrony bank, XXXX & XXXX XXXX on behalf of Synchrony bank as to collections letter I received by them today ( see attached ). Ive already disputed this with XXXX credit report and its in pending litigation, investigation. Because of Synchrony bank now not accepting its prior agreement in our customer assistance program and now attempting to collect additional money, Ive sent a cease and desist letter to not only Synchrony bank but its agent XXXX XXXX XXXX XXXX XXXX today, XX/XX/XXXX by certified mail, delivery confirmation with required signature as proof of delivery. These letters of cease and desist along with additional documents are dated XX/XX/XXXX and again being sent certified mail, signature required as proof of delivery today, XX/XX/XXXX. This XXXX account as to being in a customer assistance program is XXXX of XXXX accounts Synchrony bank had agreed to. The other account was a XXXX XXXX  credit card. That account was completed in this same customer assistance program and Synchrony bank did send the 1099c form as agreed to in XX/XX/XXXX for filing on my XXXX Taxs as earned income. I did receive this 1099c from from Synchrony bank and was claimed in my tax filing this year. The amount forgiveness in that account was {$4000.00} ( see attached ). Synchrony bank now is not holding up the agreement in this situation for this account and will not send out the 1099c form for forgiveness of this debt as agreed. As per this complaint, Im notifying both Synchrony bank and its agent, XXXX XXXX XXXX XXXX to cease and desist any further communication with me as to this alleged debt as indicated in my letters that are being sent out on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am writing this letter to request the deletion of inaccurate information I have discovered on my credit report. 

The reference listed under XXXX XXXX transferred to, XXXX XXXX account is inaccurate, and based on CFPB findings this is due to fraud and identity theft as the full outstanding amount was paid to the collection agency. Since this fraud account was paid by me months ago, I request that the account be deleted because it is hindering my life and it negatively impacting me. 

Enclosed you will find a CFPB letter after they researched my complaint and found that it was indeed a fraud, including the amount paid to the collection agency that we agreed to settle and statements proving that I successfully made payment. 
15 U.S.C 1681 Section 602 A States I have the right to privacy In accordance with the fair Credit Reporting act XXXX Account XXXX  XXXX XXXX, has violated my rights as it is a fraud account and it is also paid and should be deleted from my credit report. 

Please evaluate this information and delete this fraud/paid account from my credit file as you see fit. 

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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file 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 {$7100.00} ; XXXX XXXX XXXX XXXX XXXX {$770.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$540.00} ; XXXX XX/XX/XXXX.
Product: Vehicle loan or lease

On or about XX/XX/2019, I submitted a boat application to XXXX XXXX XXXX XXXX for a " XXXX XXXX  XXXX XXXX XXXX XXXX '' XXXX XXXX XXXX ( Standard Package ) for one primary applicant. 

On XX/XX/2019, I received a call from XXXX of XXXX XXXX stating that my application had been approved by Aqua Finance for about {$27000.00}. The advertised base price of the boat I wanted was {$25000.00}. However, after visiting several XXXX XXXX/XXXX XXXX XXXX, the same boat listed was for significantly more than my approved loan amount. 

I, subsequently contacted XXXX of XXXX XXXX and asked for a reconsideration of my loan for {$34000.00} because I couldn't find a boat for the original amount of {$27000.00}. I was told in order to qualify for a higher amount that my wife had to be included to my application with her income being verified. I declined to add my wife to the application. And that I like to retain my initial loan approval. I never submitted a separate loan application with my wife included. 

The next day I was told by XXXX ( XXXX XXXX ) that Aqua Finance had rescinded my initial loan approval because I had not provided proof of income. How can this be? I had already provided all requested information initially and I WAS ALREADY APPROVED! 

On XX/XX/2019, I contacted Aqua Finance to find out the reason for my initial loan approval had been rescinded. I spoke with XXXX and was later transferred to speak with XXXX. The only information they would provide was that my applications had been denied for lack of income verification. I then asked what was the income thresholds for a {$27000.00} loan? They didn't known the answer or they refused to tell me. 

How could you rescind a loan that has already been approved and in effect for about a month and then later claim that income was not sufficient or had not been provided? What changed since the initial approval until now? The only change was when I refused to apply for a joint account with my wife for a higher loan amount. 

Regulation B, the implementing regulation for the Equal Credit Opportunity Act. Section 202.7 ( d ) External Link of Regulation B generally provides that a creditor shall not require the signature of an applicant 's spouse who is not a joint applicant on any credit instrument if the applicant qualifies on his or her own. 

I believe that I have been discriminated against based on the above citation ( marital status ), because I refused to reapply for an already approved loan with my wife. Thereby changing my initial one person application to a joint application.
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 TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft, fraud, and multiple data breaches within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXXXXXX opened on XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX, a collection with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection with XXXX XXXX XXXX opened on XX/XX/XXXX. These fraudulent accounts are directly linked to multiple data breaches, including the XXXX XXXX XXXX data breach that occurred in XXXX and was disclosed in XXXX, the XXXX XXXX XXXX XXXX data breach that occurred on XX/XX/XXXX, and the XXXX data breach, which has an associated police report # XXXX and that was filed in XX/XX/XXXX documenting fraudulent activity. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft, fraud, and data breaches. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Credit card

I've been encountering numerous issues with Amex recently, primarily concerning duplicate charges for which I am fairly certain Amex is at fault. They have billed me twice for the same transaction, even for transactions from the previous statement that I had already paid off. Despite presenting evidence to Amex and engaging in discussions with numerous representatives, I finally spoke with a supervisor who assured me that she would initiate disputes for these duplicate transactions. However, it has been a month, and the charges are still under investigation. Just a few days ago, I made two new transactions, and yet again, Amex duplicated the charges, billing me for a total of four transactions. I find this situation with Amex extremely frustrating at the moment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX : XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I suffered an XXXX data breach and my information has been used fraudulently. I have recently reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. 

Please block and remove all information resulting from identity theft pursuant to FCRA 605B and Title 15 USC 1681 C-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency can not furnish an account without my written consent. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

UNDER 15 U.S.C. 1681c-2 ( c ) ( 2 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
Product: Credit reporting or other personal consumer reports

To the Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against XXXX for its failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ). XXXX has neglected to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved despite the evidence I provided. 

Recently, the CFPB filed a lawsuit against XXXX, citing systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and inadequately notifying consumers of dispute outcomes. My experience aligns with these concerns, as XXXX has neither corrected nor removed the disputed items, causing ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove or amend the disputed accounts. XXXX failure to act violates federal law and infringes upon my rights as a consumer. I urge the CFPB to investigate this matter and ensure XXXX complies with its legal responsibilities. 

SEE ATTACHMENTS
Product: Mortgage

I have been in Loss Mitigation with Flagstar bank since XX/XX/XXXX. Since XX/XX/XXXX they have asked for a copy of the HUD 1 to be sent to them. The document has been faxed to them at least a dozen times and each time they say they have not received it. I have uploaded the HUD 1 directly to my account to make sure they have received it including again a few minutes ago. Its the only document that is missing from the file per XXXX a supervisor I spoke with tonight around XXXX. 



She stated that on XX/XX/XXXX they closed the case again for that one document that has been sent over and over and over again. I have a buyer that offered {$350000.00} on the home that I owe {$350000.00} on if he walks because of this incompetence I will have no choice but to do a deed in leiu of foreclosure. 



I have tried to do my best but I am a XXXX XXXX  XXXX ( 25 years of service ) that was in a serious on duty cruiser crash on XX/XX/XXXX, my injuries were so severe that I can never be a XXXX  XXXX again. I am still awaiting approval of my XXXX   pension and the city is fighting me for it. They fired me on XX/XX/XXXX because of a XXXX contract clause while waiting for my pension to be approved which caused this loan to go into default. 



Can you Please Help! Its bad enough I have to fight the XXXX of XXXX XXXX. But I have no energy left to fight this bank! 

XXXX was fined by you in XXXX for XXXX XXXX dollars for the same issues I am having now, apparently they have not learned their lesson. 

I also attempted to send a email to XXXX XXXX who is a supervisor of the loss mitigation department in XXXX Florida at : XXXX. The email went thru on XX/XX/XXXX @ XXXX XXXX, but I still have not received a response back yet XXXX XXXX Thank You,
Product: Checking or savings account

On Wednesday XX/XX/XXXX I deposited a check that I thought was real, XXXX On Thursday, XX/XX/XXXX, I checked my account approximately XXXX, and the check # XXXX for {$14000.00} was posted and clear in my account. Later that afternoon I withdrew {$9000.00} and {$4900.00}. 
Had no issues with the account until Friday night XX/XX/XXXX approximately XXXX, when I checked my balance and saw that the bank had withdrawn the {$14000.00}, leaving me with a negative balance of - {$1900.00}. 
I understand now that it was a scam, not only on myself but also how the bank deposits checks and posts funds. 
I went to the bank Saturday morning and was told it was a courtesy that they post the balance, and that I am responsible for the money from that check, even though it was clear and in my account for almost 2 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC I demand you to remove the account from all 3 of my credit reports asap or I will file litigation against your company for furnishing a false account on my credit report. I constantly check my credit report, I noticed that the errors and misleading information for individual accounts didnt quite meet the credit reporting standards of being 100 percent correct. This has damaged and held me back for some time. Im demanding CFPB to enforce the correction and or deletion of these items I demand every item on this letter be reinvestigated for the completeness and accuracy and deleted as it dont meet the standards that are required under the us code. PLEASE BLOCK ALL THE ACCOUNTS LISTED ON THIS FTC REPORT, THESE ACCOUNTS ARE NOT MINE. THEY ARE A RESULT OF IDENTITY THEFT. IVE BEEN A VICTIM OF REAL NAME ID FRAUD. THE COMPANIES LISTED ON THIS FTC REPORT HAVE TO VALIDATE THE DEBT AS BEING MINE AND VALID. PLEASE REMOVE THE FOLLOWING NAMES ADDRESSES, PHONE NUMBERS, EMPLOYERS, SOCIAL SECURITY NUMBERS AND ANY OTHER VARIATIONS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT. REFER TO ATTACHMENT XXXX. MY LEGAL NAME IS XXXX XXXX XXXX PLEASE REMOVE THE FOLLWING NAMES AND ANY OTHER NAMES YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX, XXXX XXXX XXXX MY CURRENT ADDRESS IS- XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REMOVE THE ADDRESSES AND ANY OTHER ADDRESSES YOU HAVE ON FILE FOR ME 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 XXXXXXXX MY PHONE NUMBER IS- ( XXXX ) XXXX PLEASE REMOVE THE FOLLOWING NUMBERS AND ANY OTHER PHONE NUMBERS YOU HAVE LISTED ON MY CREDIT REPORT ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX MY SOCIAL SECURITY NUMBER IS- XXXX PLEASE REMOVE THE ALL OTHER SOCIAL SECURITY NUMBERS OR VARIATIONS FROM MY CREDIT REPORT PLEASE REMOVE THE FOLLWING EMPLOYERS AND ANY OTHER EMPLOYERS YOU HAVE ON MY CREDIT REPORT THAT MAY NOT BE LISTED ON THIS DOCUMENT : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to request the removal of inquiries on my credit report. I have reviewed my credit report recently and have noticed that there are several inquiries that I do not recognize and that were not authorized by me. Below, XXXX detail the information necessary for them to process my dispute request. 

The inquiries in question are the following : XXXX XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) BRCLYBANKDE ( XX/XX/XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX '', has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

After reviewing my Consumer Reports, I noticed some reported late payments on an account where I have always made timely payments. Since Consumer Reporting Agencies are crucial for maintaining accurate consumer information, it is essential that all data is reported correctly. I have consistently met my payment obligations for the following account : DISCOVER BANK XXXX I request a detailed investigation into these discrepancies. Please provide documentation, such as statements, that evidence the reported late payments. If such proof can not be provided, I expect the records to be updated promptly to reflect my true payment history, which has always been punctual.
Product: Checking or savings account

i called banking to close XXXX accounts with XXXX balance and was told i have to wait on the phone for over an hour to speak with the fraud department.