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

A discover card was issued in my name and mailed to me at my address. I did not apply for it and apparently the same individual tried to make a fraudulent bank deposit to the card.
Product: Debt collection

I am writing regarding the alleged debt related to the above-referenced account. I dispute the validity of this debt and request that you provide me with the proper verification and validation of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ).
Product: Consumer Loan

On XXXX I acquired an auto loan from First Investors XXXX XXXX, GA. The loan was for 72 months. The loan should have been paid on XXXX. I contacted First Investors on XXXX and asked about the pay-off on the loan. I was shocked when they told me that I still owed {$9000.00} on the loan! They claimed it was for deferred payments and late fees. So I paid and another year later I still owe {$8000.00}. on this vehicle and if I do n't pay it they will repossess it. I can not even trade the car in because there is so much negative equity on the vehicle that a car dealership/bank wo n't touch it. XXXX car dealership told me the car is only worth {$1500.00}. I 'm at my wits end. I ca n't get anyone at First Investors to return my phone calls. I really need some professional advice. The last time I actually spoke with a person from First Investors, I told the person that I was contacting the CFPB and they just laughed at me. I just feel so overwhelmed. Thank you for any advice you may forward to me.
Product: Checking or savings account

On XX/XX/XXXX {$600.00} was stolen out my account from an ATM in XXXX, South Carolina in XXXX transactions of {$200.00} each. The last transaction I made was on XX/XX/XXXX for {$46.00} at an ATM in the XXXX, NY where I live. When I called capital one no one asked for this information and I also have proof of that. My claim was denied because Our research shows this transaction occurred with a chip card at a chip enabled terminal. I asked for an email to show any documentation I had but they never sent it. And I called again today for it I was told they wont be reopening my claim. Id truly appreciate help. I was robbed. Im not sure how its just being disregarded. I went on to file a police report, a ic3 report and this is my 2nd cfpb report
Product: Debt collection

Be advised, this is not a refusal to pay the alleged, rather it is a notice sent pursuant to the Federal Fair Debt Collection Practices Act ( i.e. 15 U.S.C. 1692 ( g ) 809 ( b ) ) and the Pennsylvania Fair Credit Extension and Uniformity Act ( i.e. 73 P.S. 2270.1, et seq. ) that your debt may be disputed and validation is demanded. Please validate the alleged debt within 30 days by providing the following information : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ;? A complete payment history on this account ;? A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ;? Copies of all invoices, bills, and notices concerning this alleged debt ;? A copy of the first written communication attempting to collect this debt ;? A copy of any judgment obtained with respect to the alleged debt ;? Proof that the statute of limitations has not already expired ;? Evidence that you are authorized and licensed to receive payment of this debt ;? Copies of all reports or notices provided to any credit bureaus ;? Identification of the original creditor ;? Identification of all successors in interest to the original creditor ;? If this debt has been purchased or assigned, a copy of all related agreements. 



The following constitutes illegal or wrongful debt collection under the FDCPA : Harassing or abusive phone calls, messages or letters
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
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 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 never had a student loan because I never attended any schools
Product: Debt collection

This debt does not belong to me. I have filed a police report because I saw accounts on my credit report that does not belong with me. The credit bureaus removed this account and now have put it back on my credit report which is not fair.
Product: Student loan

This applies to courses undertaken at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. After much pressure and much conversation about, course path, certification, job placement and career opportunites, I enrolled. Private loans for $ XXXX were provided under Sallie Mae . I along with thousands of other students found that after graduation we had been victims of fraud. There were no jobs or income, just repayments of loans. Salle Mae and then Navient convinced me I had no recourse but to pay. Some forebearance and payment pauses here and there did not help make my amounts and payments any less. Also, because my XXXX co-signed I felt I had to push on and not risk ruining her credit. Today, I have a balance owed of $ XXXX and no real way to pay. There have been various court cases and settlements involving XXXX and XXXX XXXX XXXX in the past recent years, but none that applied to myself as a XXXX loan borrower in XXXX. In my mind, the Holder Rule should apply to Navient, based on the fraudulent misconduct of XXXX and XXXX XXXX XXXX. As such I should have all my XXXX  loans discharged and refunds made to me by Navient.
Product: Credit reporting or other personal consumer reports

Accounts are inaccurate Under 15 USC 1681 my rights are being violated. And personal information needs to be updated to reflect accurate information
Product: Debt collection

his serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Product: Debt collection

i got an email from XXXX XXXX that my fico score on XXXX went down. due to a collection from a company ive never been to or has any business with. after researching online they do this to alot of people and it is a scam farm. on XXXX XXXX and multiple complaints to the XXXX
Product: Debt collection

I was contacted by a company called XXXX telling me I had took out a payday loan. I told the lady no I did not and told her someone must have took my Identity. She told me to file a police record and send it to her as I was asking questions and telling her I had not lived at the address that was on the loan in 8 years she up told me you know you took this loan out and you need to pay it. I told her no I did n't and she hung up on me. I files identity theft online and got assigned case number XXXX.I got assigned a detective XXXX XXXX with the XXXX Financial Crimes XXXX. his email XXXXXXXXXXXX.The detective contacted XXXX and got of the information concerning this loan in which he stated was a pay day loan. The information I have received about this has been though the detective not the XXXX.I have found out that there was a company called XXXX XXXX used as a place of employment, XXXX XXXX XXXX used as the bank plus a phone number XXXX.This loan from what the detective has told me was taken out on line IP addresses are not in texas. Things were quite until XX/XX/XXXX when a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX hit my credit requesting a credit report I never authorized. I called them up asking them why and who they were the man tells me he is a collection company and his customer was cash central that 's first time I heard that part.I did research and found out cash central is part of community choice financial located in XXXX Ohio XXXX.Their rep called the detective and he told her he had been waiting on more information from them and the bank used along with giving this XXXX no last name the case number. Community Choice Financial continues to have collection companied call me threat me. A company called XXXX XXXX XXXX threaten me over my assigned company number which I had given to XXXX at Community Choice Financial to help get this issue solved but she forwarded it to XXXX XXXX XXXX XXXX in which he gave me a false name on XXXX XXXX. I filed with the Federal Trade Commission and sent that info to Community Choice Financial. They have the case number for identity theft report. Today after I sent the letter again to community choice financial they want me to send them an Affidavit notarized and my government ID They did not take any type of id for this online loan from my understanding and with all these emails with Name last name people and false names I do n't trust sending them my information. When I filed Id theft I did not even know any information cause I have got nothing from cash central or any of the names companies in this report. All my information has came from the detective. I just want them to stop and I want a rep of theirs to come see me with the detective Regards XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXXXXXX XXXX application is still showing on my report.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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: Checking or savings account

The incident started at Wells Fargo Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> when it came to my attention that a fraudster took over my account and were depositing fraudulent checks in my account from XXXX Wells Fargo did not make me aware of those deposits I discovered it on my own. Somehow a fraudster retrieved my XXXX XXXX number and account information all of it mind you I was receiving one time codes to access my online banking and because I'm XXXX and never experienced this before I obliged, lesson learned. In end I went to the bank to try and resolve this issue because Wells Fargo was charging me for these checks, deposits, and yes withdrawals. Wells Fargo then told me we're sorry your account was taken over by a fraudster, however, due to me not knowingly giving access to my online account and apparently all the activity is my fault and am obligated to pay them almost {$900.00} they froze my account so we created a new account and they still didn't lift the freeze and closed my account. Now Wells Fargo is harassing me for the money in which of course I don't have. That was such a hard time because it was XXXX, rent was due {$1.00}, bills, groceries, and other living expenses were affected I couldn't even get my paychecks for XXXX XXXX XXXX because I had to stop direct deposit because they froze my account and would have taken it anyways and that took up to XXXX XXXX XXXX to catch up with a new institution. It is crazy how they think they can treat people anyway they want to. I literally struggled!!!!
Product: Credit reporting or other personal consumer reports

I sold a price of property I owned in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX with Fayfinancial which I sold three years ago which is still on my experience credit report as an open loan. I need it removed from that credit report and others.
Product: Money transfer, virtual currency, or money service

Coinbase is an exchange for digital assets. As part of the registration process, they require a payment method to be verified by customer sending small verification amount to Coinbase bank account from the customer 's bank account. This amount is supposed to be added to the customer personal coinbase wallet in a few business days. Following the instructions, on XX/XX/XXXX I sent XXXX EUR with a SEPA transfer ( this is like XXXX in XXXX ) to their bank account with the exact verification code they provided - XXXX. That amount was never recognized or returned. I logged a Support Case ID : XXXX on XX/XX/XXXX and followed up regularly every 2 weeks to which their support either did not  respond or responded with irrelevant auto-generated text. I understand that they may have loads of support cases, but 2 months without even an initial response is a demonstration of either discrimination by country of origin or simply intentions for theft if small amount and expecting people to give up seeking the service. The problem is aggravated as they also collect personal information - national ID or Driving License and do not provide the unsatisfied customer a way to clear these up upon split-up
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to TransUnion and XXXX 's refusal to provide the necessary documentation to support my identity theft investigation. Despite my requests, neither bureau has supplied the transaction histories ( merchant names, dates, and authorization details ) for the disputed accounts tied to XXXX XXXX, XXXX, and XXXX XXXX. Without this information, I can not file a police report or investigate further. 

Both bureaus have denied my request to block these accounts without transparency about the evidence used to make that decision. Their refusal to provide the documentation is preventing me from resolving this issue and appears to be an attempt to avoid dealing with the fraudulent disputes that may arise.
Product: Credit card

I am submitting this formal complaint against Synchrony Bank due to its repeated and seemingly retaliatory closures of my credit accounts. Most recently, on XX/XX/XXXX, Synchrony closed my Mattress Firm account without legitimate justification. This account was used solely for the purchase of a bedframe and mattress in late XXXX and had not been used since. Despite this, Synchrony cited misleading reasons for its closurereasons that appear to stem from the banks own actions rather than any genuine financial risk. 

One of the justifications provided for the closure was a previous issue with my mortgage companys reporting, which has since been fully resolved and should no longer be a factor in account decisions. Additionally, Synchrony has repeatedly lowered the credit limits on my other accounts, artificially increasing my credit utilization ratio. This manipulated increase in utilization has then been used as grounds for further account closures, creating a damaging cycle that is harming my credit profile. 

The Mattress Firm account was structured with consistent, manageable payments under a low-interest financing plan, making it a financially responsible tool for maintaining my credit health. The sudden closure of this account, along with the broader pattern of Synchronys actions, suggests an unfair and potentially retaliatory approach rather than legitimate risk management.

This is not the first time Synchrony has closed an account of mine under questionable circumstances, and its unfair, inconsistent, and punitive business practices are causing undue harm. I am concerned that other consumers are also facing similar treatment, with Synchrony manipulating credit factors to justify adverse actions. 

I urge the Consumer Financial Protection Bureau ( CFPB ) to investigate Synchrony Banks account closure policies and their broader impact on consumer credit health. I am happy to provide additional details or documentation if needed.
Product: Student loan

XX/XX/XXXX enrolled based upon misleading/false information about job placement and ability to find employment after graduation. Then upon loans being due I called Navient for help with repayment options at which I was steared numerous times to deferr and forebare my loans ; even after asking about repayment plan options. I have had extreme financial hardship since graduating in XXXX never making enough to get off of welfare let alone repay my loans.
Product: Credit reporting or other personal consumer reports

I do not have a contract with XXXX XXXX and I demanded that TransUnion provide the contract certifying and verifying the relationship between XXXX XXXX and XXXX XXXX. 

This is AGGRAGATE IDENTITY THEFT because neither companies have a signed XXXX XXXX  XXXX form to legally have CONSENT to pull the social. 

Also parties involved have committed a Breach of Trust and have shared the social with non affiliated XXXX parties
Product: Credit reporting or other personal consumer reports

The ferderal student loans reporting on my credit reflect an incorrect date opened of XXXX. These loans were opened in XXXX and were paid off and closed. Then somehow reopened in XXXX. I have tried resolving this with the department of education with no luck. These loans are being falsely reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and inconsistent reporting of the XXXX XXXX XXXX account # XXXX on my credit report. The information provided by the three major credit bureaus contains discrepancies that are misleading and damaging to my credit profile. Below are the details of the inconsistencies : High Credit : XXXX : {$32000.00} XXXX : {$32000.00} Equifax : {$0.00} Last Active Date : XXXX : XXXX Equifax : XXXX XXXX : XXXX Charge-Off Status : Reported as a charge-off by all three bureaus. 
Late Payment Status : XXXX : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 1 Time.

Equifax : Was 30 Days Late 1 Time, Was 60 Days Late 2 Times, Was 90 Days Late 21 Times. 
XXXX : No late payment status reported. 

These discrepancies violate my rights under federal law and must be corrected immediately. 

Violations of the Fair Credit Reporting Act ( FCRA ) : The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain the maximum possible accuracy of the information they report. The conflicting data on high credit, last active dates, and late payment status across the three credit bureaus clearly violates this provision. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) mandates that furnishers of information report accurate data, which has not been done in this case.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The inaccurate reporting of late payments and charge-off status, especially with such significant discrepancies, may also constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e, which prohibits false or misleading representations in connection with the collection of any debt. The inconsistencies may also violate 15 U.S.C. 1692f, which forbids unfair or unconscionable means to collect or attempt to collect a debt.

Metro 2 Compliance Issues : The Metro 2 format, which is the industry standard for credit reporting, requires consistent and accurate reporting of account information. The discrepancies in high credit, last active dates, and payment statuses across the bureaus indicate non-compliance with Metro 2 guidelines, further warranting the removal of this account. 

Request for Immediate Action : In light of these violations and non-compliance issues, I am requesting the immediate removal of the XXXX XXXX XXXX account # XXXX from my credit report with all three credit bureaus. Additionally, I request that you provide me with an updated copy of my credit report reflecting this correction.
Product: Debt collection

I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
Product: Credit card

I have a TOYSRUS credit card ending in XXXX. Without notification, my credit line was erroneously reduced, in XXXX 2015, from {$5500.00} to {$1200.00} without any notification. Despite my scores being excellent, this adversely affected my credit and FICO scores, which is completely unacceptable. I am requesting my credit line be reinstated to its previous amount.
Product: Credit reporting or other personal consumer reports

Account with California XXXX Bank Account # ending in XXXX under XXXX XXXX ( XXXX XXXX XXXX ) auto loan was closed over a year ago. I have disputed this with the bank ( XXXX Bank ) as well as with the credit bureaus over a year ago and they are still being reflected as open on my credit profile.