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

My credit card with Synchrony Bank keeps getting " restricted '' ; I do not find out about this restriction until the card is randomly declined at point of sale. Customer service indicates this is happening because mail sent to me is being returned by USPS, this has happened three times, and each time we have confirmed that the account has my correct mailing address. 

I receive postal mail at this address from every other sender without issue. Customer service suggests that I speak with USPS regarding this matter, which I have done, and USPS is unable to act without an example of one of these returned pieces of mail, which Synchrony customer service can not provide me with. 

During my last contact with customer service they indicated they had filed an " escalation '' and someone would follow up and be able to provide an image of a returned mail piece. That follow up has not occurred as of today ( XXXX XX/XX/2021 ) I believe it probable that Synchrony is either truncating my address due to length or has an old address in some system that regular customer service can not see. I would like to work with someone at Synchrony that could retrieve the images of these returned mail pieces, to determine why they're being returned, and get to the root cause of this issue.
Product: Debt collection

Kinum collections called me at work to inform me of a debt that my spouse owes..Badgered me about my personal life and how I carry out my business, and commented on my character. XXXX XXXX also commented about a recent vacation that my wife went on, telling me that he has also been watching/stalking her XXXX page. 
I find this out of character and unprofessional.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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

I received a dispute notice that you have investigated my account and found that my inquiry is factual. Please advise on how you investigated and who you spoke with to ensure this is included factual. I did not authorize an inquiry into my credit and I will need you to reinvestigate and remove from my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024.
Product: Student loan

I had a loan through XXXX student loan, and they transferred my loan to another company XXXX. I have never been late on this loan. I disputed this a year ago with Transunion and they never removed it from my credit report. It has been removed from they other XXXX credit reporting agencies. I would like this removed due to the fair credit act. Thank you for your help on this matter.
Product: Debt collection

I have contacted XXXX Hospital several times now and this debt was removed from XXXX of the credit bureaus since they have no record of this on file for me. merchants Credit guide removed this debt on XXXX XXXX from XXXX and XXXX. I contacted Merchant 's credit who is reporting this still to XXXX and they refused to listen to me, were rude and told me they are authorized to continue to report this as long as they want. The representative said that XXXX Hospital is telling them to continue to report this. XXXX says they have done no such thing and have no record of anything owed for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is not my debt, not sure if someone used my name but I've been disputing this account and they are not removing. inaccurate information XXXX XXXX XXXX Open Date : XX/XX/2018
Product: Debt collection

The debt collector, Grant & Weber, refuses to prove that the debt is still valid and enforceable by failing to provide a copy of the signed contract. The difference between the debt being valid and expired depends on the existence of a signed written contract. Regardless, consumer has attempted to resolve the unpaid medical bill but collector is charging interest in violation of the FDCPA as they have failed to provide any evidence that they can collect interest. Further, debt collector states that medical provider will not negotiate a settlement which is a bold faced lie. They refuse to engage in negotiations and refuse to waive interest charges, yet the continue to report this account on the consumers credit report every month as an unpaid debt. The debt is nearly 6 years old. Their conduct is unfair, deceptive, and the practice of charging interest without a contract or law suit is a systemic and intentional violation of the FDCPA.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & XXXX XXXX XXXX XXXX be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

Someone or ones, illegally broke into house and access computer and change information around. I pay what I think is my bill for auto insurance but the policy numbers changed around and I'm paying someone else auto insurance and I with no accident or DUI 's ... my insurance is increased and made me pay more on my policy and said I was full covered, but only had PLPD/No fault at the time of purchase and renew. 
Then I got charge for someone else policy after the policy expired and the policy numbers change. 
Then my driver license list me as man and I'm not a man, so someone took my policy information, to get full coverage and then either got in accident and my policy went up, so they can get a new, used car or truck or get repairs.
Product: Credit reporting or other personal consumer reports

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts reporting inaccurate : XXXX XXXX XXXXXXXX Date Opened XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX  ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, how are you? My name is XXXX XXXX, and I am contacting you about XXXX, XXXX, and Experian. I have been contacting them, in regards to this fraud extended freeze on my credit report. I have requested it be removed, to no avail ; I also wasn't notified that it was being put on my credit nor did I ask for it. 

Experian particularly has still not updated my information properly, down to not reporting the correct scores from the other bureaus. 

XXXX. My credit score is XXXX on XXXX when I log into my account, however Experian is reporting it considerably lower ; at XXXX. They have also been ignoring my disputes, and requests blatantly even when being provided proof. 

At this point it's becoming extremely stressful, having to micromanage my own reports.
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against XXXX and Experian for inaccurately reporting information on my credit report. Despite their assurances that the data is accurate, it is not, and it has caused significant damage to my financial standing. XXXX is in violation of 15 U.S. Code 1681s2, which requires furnishers to report accurate and complete information to credit reporting agencies. And Experian under 5 U.S.C. 1681e ( b ) regarding their responsibility to ensure maximum possible accuracy of consumer credit information and to remove or correct inaccuracies when documentation has been provided.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and noticed a few things weren't correct on my account. This account is hurting my ability to purchase a home. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify and confirm as accurate. 


XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made XXXX merchant disputes in XX/XX/XXXX, under the case XXXX, XXXX, XXXX, XXXX but until now I dont have received any letter, information or update about my case. 
Also the bank didn't request any supportive documents for the case.
Product: Checking or savings account

During covid I went through months of low sales at my restaurant XXXX XXXX XXXX. Its not my fault that the government shut down our eating area and restricted our hours for over a year. I have been charged 5 overdraft fees in the past month. My sales are back up but now I'm trying to pay bills from when the sales were low. In my opinion charging a person XXXX dollars for not having enough money in their account should be illegal. Because of all these overdraft charges im going to get another on this week after payroll because I need that money to get back on my feet. I need these fees reversed. I also sent a complaint to capital one and they have not responded. They promised me they would respond.
Product: Mortgage

THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page XX/XX/2007, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/2007 WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN AND HOMEOWNER
Product: Credit reporting or other personal consumer reports

Xactus LLC made an unauthorized hard inquiry on XX/XX/year>. This company did not have permission nor was it necessary as I own everything out right.
Product: Credit card or prepaid card

Hi, There is no way I was late! Then it didn't apply fast enough or the way I expected. I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 for 30 days late???? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer credit report and I noticed that I had some fraudulent accounts/items on my profile. I'm referring to the account from XXXX XXXX XXXX XXXX with account number XXXX and I'm also referring to a hard inquiry from XXXX XXXX XX/XX/year>. Please remove both of these items from my report IMMEDIATELY because I did not authorize them and I do not recognize them. I never entered into an agreement or a contract with XXXX XXXX XXXX XXXX or XXXX. Which makes these fraudulent accounts/items, inaccurate reporting to my consumer credit report and a violation of my consumer rights under the FCRA and the FDCPA. This fraudulent reporting is hurting my ability to obtain credit and is damaging my financial reputation. I demand for all forms of communication from XXXX XXXX XXXX XXXX and XXXX to cease and for these accounts to be deleted from my consumer credit report.
Product: Debt collection

Calling repeatedly and frequently, not waiting XXXX minutes between call attempts. 
Calling frequently from multiple numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with XXXX ( XXXX # XXXX ) and during Covid I was not able to make payment. The account was then charged off and then send to collection. I made a settlement with collection and paid it off almost 6 months ago. For some reason, the account has never been updated. 
More I never gave my written authorization to XXXX to report this account on my credit report. However, the account has been reported which is a violation of my right. In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX Has violated my right. 15 U.S.C 1681 section 602 A. which states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states A consumer reporting agency can not furnish an account without my writing instruction.
Product: Credit card or prepaid card

On XXXX I went for my weekly XXXX visit. I usually pay with my TD Visa card. On this particular day I could not use my Visa card. The " XXXX '' had trouble accepting my card. I paid {$35.00} in cash, usual cost of a visit. On my XX/XX/XXXX - XX/XX/2020 TD Visa card statement I was charged {$110.00}. I disputed the charge with Visa. I provided a letter from my doctor stating I paid cash that day. The doctor also informed me that he never received a payment the " XXXX '' either. Talking with Visa they stated that they needed more information from me, but never told me what that information was. Visa denied my claim.

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

Equifax Inc. has publicly stated that its systems were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Some XXXX and XXXX residents were also affected. Checking with Equifax directly, all of my personal information is likely to be compromised, including : Name Social Security number Birth date Addresses Driver 's License number Credit card information Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XXXX  through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 other consumers. 

So far I have set up a 90-day fraud alert with credit bureaus to notify me in the event and fradulent applications are made based on my compromised information. Ultimately, without major credit reform, I will be at a higher risk of identity fraud for the rest of my life. 

Equifax did not utilize appropriate security measures to keep my personal information and identity safe. Furthermore, they were aware of the security vulnerability prior to the date of the actual cyberattacks. It was a gross negligence of personal information management and must be addressed.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My credit increased by {$1000.00} to {$2000.00} and not from {$2000.00} to {$1000.00} the opposite was reported causing my credit score to drop over XXXX points on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I am writing in response to your recent communication regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide me with the following information : The amount of the debt : A detailed accounting of the total amount due. 
The name of the creditor : The original creditor to whom this debt is owed. 
Proof of the debt : Documentation that verifies the debt is mine, including copies of any contracts or agreements I may have signed. 
Please note that until I receive this information, I am not acknowledging that I owe this debt. Also, during the debt validation process, please cease any collection activities and communications regarding this debt as required by law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX-TX-XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX I first attempted to put {$800.00} a one time purchase. I attempted this with my debit card ending in XXXX. The online banking app is called Cash app. My bank, XXXX XXXX in XXXXXXXX XXXX  denied the this tranaction fur to inefficient funds available. So I never attempted that large amount again. But on XX/XX/2023 when I looking at my ban statement I notice that I had an unauthorized purchase from Cash app for the amount of {$800.00}. I immediately started with the online support chat with customers service. When I didn't get anywhere with the online chat I called my bank. was told since it was a debit card purchase I had to.go through Cash app to get a refund. I immediately called the Cash app customers service number and talk with the representative and was told that there was no such purchase made on XX/XX/2023. But they did see the denied transaction on XX/XX/2023. Even though I sent my bank statement that clearly showed the transaction I was still denied my refund. I attempted many msny times after this to even talk to a supervisor but was told that I could not talk to a supervisor. Later around XXXX XXXX I attempted to call again and magically the transaction appeared in my activities log but still was not credit the {$800.00} or ever refunded the funds back to my debit card. I tried multiple times to correct this issue with cash app but never was successful and still did not recieve my {$800.00} for the unauthorized purchase. I suffer from XXXX and XXXX so it has been very difficult for me at time to get this resolved. I have send screenshots and bank statements that clearly showed the {$800.00} was taken out but never was add to my Online account. I don't know what I can do now to receive the money that I did not authorize to be refunded back.
Product: Checking or savings account

I have a checking account with SoFi Bank. Last year, on XX/XX/24, I deposited a check for {$140.00} into my XXXX checking account. For some unknown reason this check caused my XXXX checking account to get restricted and XXXX has held the funds from that check for close to a year now. I have requested the funds multiple times. The check cleared without issue, the writer of the check made no claims and the bank the check was written on has confirmed in writing that they paid the check. I believe at this point XXXX has stolen my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with Identity IQ on XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that these were negative charge off on my credit report. These are disappointing because I have been paying Identity IQ to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off that I have never seen before, as well as these incorrect information on my personal profile but still youre not taking any actions. I have never with these account listed below, so please help me remove this charge off accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, passport, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

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

I was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX  ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taken the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX also said they can't find anything on this account. Please help
Product: Mortgage

A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.