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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXXY XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX SELF-REPORTED XXXX Balance : {$440.00} ; XXXX SELF-REPORTED XXXX Balance : {$140.00} ; XXXX SELF-REPORTED XXXX Balance : {$50.00} ; XXXX  SELF-REPORTED XXXX Balance : {$490.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference XXXX : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Transunion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$53000.00}
Product: Credit card

Chase Credit Card Services for card XXXX. Chase was advised I would leave for XXXX they told me I did not need to notify in XX/XX/XXXX. Chase decided to close my credit card without any type of notification in XX/XX/XXXX without any letters, email or any other communication. Credit card company lied on the phone on a recorded line that they mailed notice. I have reports from the scanning service from the United States Postal Service ( Federal Service ) that this is a lie an no such notice came. They confirmed address was correct on file on the XXXX XXXX address in XXXX, California. This mail service notifies me of everything immediately. Chase proceeded to commit a financial crime. Under federal law a credit card company must retain financial documents for 7 years. Chase proceeded to wipe my login information, suspend all information on card and wiped all transaction history, statements, and tax records. Even if a card is closed by the company which is already unethical how it was done financial records need to remain active. I have contacted many people in regards to this situation and I was hung up on and told me they would not help me. Furthermore, games are occurring with the Executive service. I have expressed to them that I am currently being subpoena for financial records from my ex spouse. I informed them that they are causing me to have sanctions placed on me because of this idiotic incompetence they are playing at when the law is on my side they must release my transaction records when the card was active plus all tax records. They refused and have taken their time on the issues. This is a XXXX XXXXXXXX dollar terrorist company that believes it is above the law, does whatever it wants and continues to hurt consumers and getting bailed out by tax funds and at the same time commits financial crimes against its own customers. This company will do whatever it wants whenever it wants due to lack of enforcement of regulations.
Product: Debt collection

This debt was disputed and found to violate fair credit act and then removed on XXXX/XXXX/XXXX. On XXXX XXXX, XXXX, Smith Rouchon and Associates blatantly disregarded the investigation and underhandedly reported the same false information from XXXX/XXXX/XXXX thinking I would not notice. This is unscrupulous, unfounded and has adversely caused suffering and damaged my credit again.
Product: Credit reporting or other personal consumer reports

Company has reported c/o every month since 2022. 

Under the Fair Credit Reporting Act ( FCRA ), a company can only report a charge-off once for an account. After the charge-off status is initially reported, the creditor is required to update the account status if there are any changes ( such as a payment, settlement, or if the debt is discharged through bankruptcy ). The company can not report a charge-off repeatedly for the same account on a monthly basis.
Product: Mortgage

On XX/XX/XXXX, SLS advised, and then XX/XX/XXXX, SLS " corrected '' a historical servicing document ( back-dating its document to XXXX ) despite not being the servicer for several years. Then, SLS refuses to provide rationale or documents, as they are not the servicer.
Product: Debt collection

CFPB Complaint XXXX ( which is closed ). 
The company, XXXX XXXX XXXX indicated that the matter would be resolved by them by refunding to me the money that they had charged me for the debt collection. I received an email on XX/XX/2018, stating that the money would be refunded, and a letter XX/XX/2018 stating that the money had already been refunded. 

As of XX/XX/2018 I had not received refund, and sent an email to XXXX XXXX with XXXX XXXX XXXX requesting a response by XX/XX/2018. 

XXXX XXXX replied to my email on XX/XX/2018, stating that their refund department sent the money to my account on XX/XX/2018, and to check my account.

I had XXXX on XX/XX/2018 and was unable to respond until XX/XX/2018. 

I verified no fund received in my account, and emailed my response to XXXX XXXX on XX/XX/2018. My email was immediately returned with the message " address could not be found or unable to receive mail ''. I verified email address and tried two more times. All were returned immediately with the same message. 

The telephone number given in the letter goes to the wrong company ( a sister company ), and it is impossible to get through their automated system in order to reach a live person, to get me in contact with XXXX XXXX. 

XXXX said they would refund the money, and I expect them to follow through with their statement. If they attempted to send the money to the account closed due to fraud, which they are fully aware of, then they need to correct this matter immediately. 

This behavior is unacceptable. After everything they put me through, they are now going to not refund my money. There are thousands of complaints against this company. Countless of hours lost by innocent consumers. I do not understand how they are able to remain in business, with these very obvious unethical business practices.
Product: Debt collection

I CONTACTED IQ DATA TO SETTLE DEBT.I PAID EXPECTED AMOUNT. CREDIT CARD WAS OVERCHARGED. I REPORTED TO THE BANK AND TO IQ DATA. I WAS INFORMED THAT THE SETTLEMENT AMOUNT IS HIGHER, THAT I CAN EITHER PAY WHAT THEY WANT OR THEY WILL JUST REMOVE THE AMOUNT I PAID FROM THE TOTAL DEBT AND NOT ACCEPT THE SETTLEMENT AGREEMENT. THERE WAS NO WAY TO DISCUSS WITHOUT BEING YELLED AT. THE MANAGER THREATENED TO CANCEL PAYMENT, CANCEL SETTLEMENT AND RUIN MY CREDIT SCORE. 
I NOTICED THAT MY OUTSTANDING DEBT WAS REDUCED BUT NOT CLEARED. THE STATEMENT I RECEIVED UPON PAYMENT INDICATES SETTLEMENT. 
I NEED HELP WITH CORRECTING MY CREDIT SCORE AFTER PAYING SETTLED AMOUNT AS THE ATTACHED PAPERWORK CONFIRMS.
Product: Checking or savings account

This morning I had {$7600.00} in my checking account at Citizens. At some point today, Citizens took {$5400.00} out of my available balance and put it as " pending ''. My account now has an available balance of {$2200.00} instead of {$7600.00}. I did not authorize this action by the bank.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXXXXXXXXXX XXXXXX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting

I have always checked my credit report several times a year and it has been right. I just checked my credit report yesterday and found that now it shows that I worked for XXXX. I have never worked for XXXX. I believe this is the only error. 
It 's impossible to find the tool to correct it using XXXX XXXX or TransUnion or XXXX. I just keep going around in circles between the links. That 's why I am noting it here. There should be an easy, qhick place to correct something so simple. Instead Id am going around and around, getting more and more frustrated.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! Inaccurate Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I credit reporting for payment history since XX/XX/XXXX on my credit card Ive contacted TransUnion about this type of issue before
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Transunion my FTC Identity Theft report showing the inquires that where place on my credit file, that was not authorized by me. XXXX  and XXXX  where able to remove the inquires from there reports. TransUnion failed to look into this isssue. I sent a report, spoke to a representative via phone call to TransUnion who was unable to help me. remove these items from my credit report, even though I sent via certified mail all supporting documents needed. Also I'am requesting the removal of the fellowing Collection off my credit file due to Identiny Theft : XXXX XXXX Account Number : XXXX amount {$2700.00} ' I have sent in supporting documents to show errors and nothing has been removed or deleted. It comes back verified. I'm asking for a signed copy with my signature stating I have a contract with this company. TransUnion on many occassion have failed to provide me with proof other then XXXX that they have a signed original signature contract with this 3rd party collection compant XXXX XXXX $ XXXX have sentin supporting documents to show errors and nothing has been removed or deleted. It comes back verified I'am asking for a signed copy with my signature stating I have a contract with this company. XXXX  and XXXX  where able to delete and remove this company from there credit files.
Product: Checking or savings account

My bank, Chase, charges a fee if I wish to put a block on my checking account to prevent ACH debits. I believe this service should be available without a fee.

Consumers have no control over ACH debits ; they are initiated by merchants and institutions, and automatically put into effect by banks. There are no safeguards to prevent unauthorized debits, even substantial ones.

Increasingly vendors are requiring that I enable ACH debits ; if I don't I am charged substantial fees. The problem is, once I enable ACH debits and provide my account information, they can be difficult to stop.

I should have control over which merchants or institutions are allowed by my bank to debit my account, and there should be no charge for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian takes forever to update my credit report, when they update they always leave my score the same. They never increase my credit score as the other companies. They put a secure alert on my credit that I never asked for. They leave hard inquiries on my credit report longer than it's supposed to stay. This credit company is definitely out there to help only banks not consumers and make consumers feel losers. I am at a point to take them to court.
Product: Credit reporting or other personal consumer reports

I do not recognize these addresses, please remove it from from my credit report, thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Td bank has upgraded their deposit date 2 days early to receive payments in accounts at td bank. If the payment date falls on a Monday then they release funds on Saturday past working procedure. They upgraded to 2 days early, so today I should have received my deposit from social security administration and they discriminated against me again. I presume it's some hateful ugly minority females that work at the TD bank branch where I go rarely to update my number for the app purposes or just to replace my debit card that are showing their power as XXXX XXXX. I reported 3 incidents where those XXXX tellers were attacking me with hatred and XXXX at that bank. The XXXX XXXX women that keep harassing me at that minority bank are always showing their XXXX feelings even when I use atm at their bank. I just want my money available in my account when it suppose to be, and I like to go in bank without confrontations from their XXXX employees. So will you people use your power and control TD bank illegal activity which is violating my right to be able to access my money when it is normally suppose to be in my authority far as owning my money and being able to use my money. They are XXXX females that have XXXX harassed me inside their bank on XXXX XXXX in XXXX XXXX nj XXXX. Can you people stop TD bank employees from discriminating and withholding my money from me. it so unfair and not allowed in XXXX.
Product: Student loan

Requested admin forbearance, waited the 21 business days, no documents or notes have been updated to my account, made 4 payments, two are not showing at all ( not even as processing g ) money came out of my bank on XX/XX/23. Contacted EdFinancial and rep state it could take 4 business days which would have been XX/XX/XXXX, but it's still not reflecting my payments nor a forbearance.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. The XXXX credit bureau have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report with the late status of account resulting in significant harm to my financial standing and reputation. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX  XXXX XXXX Balance : {$140.00}.
Product: Checking or savings account

To Whom It May Concern : I, XXXX XXXX opened a new Checking and Savings account with Citi Bank on XX/XX/XXXX ( I already have the Citi credit card ) the offer on their website said open a new account and direct deposit get {$400.00} ( I still have the direct deposit in place to date I deposit {$150.00} weekly ) + deposit {$30000.00} or more and get an additional bonus for {$200.00}. Total promised. {$600.00} as of today I have not received anything. I have the account open just so they send me my bonus. But I was only supposed to leave the {$30000.00} 60 days which I did ( total days money kept in savings was 81 days ) Transactions Below ( opened account {$30000.00} deposit ) Cash Deposit to Citi : XX/XX/XXXXXXXX XXXX XXXX Initial Funding XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$30000.00} Withdrawal after XXXX days : ( total 81 days ) made XXXX transactions. 
XXXX. XX/XX/XXXX XXXX Electronic Debit XXXX XXXX XXXX XXXX XXXX {$20000.00} XXXX. XX/XX/XXXX XXXX Electronic Debit XXXX {$10000.00} I've called several times with no answer or no phone calls they keep on ignoring me and they apparently have no record of my code to get the bonuses. Unfortunately, I didn't print any information on the website. They currently have a new one on the website but it's for a lot less. I called before withdrawing my funds and was told that I was on track to get my bonus that I can take my money out, but don't close the account as they needed to send my " bonus '' there. as of today, I still keep it open but no deposit and I'm tired of calling them and wasting my time. I hope you can assist me. 

Thank you, XXXX XXXX ( XXXX ) XXXX E-mail : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX : XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$300.00} XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Balance : {$4500.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$5300.00} XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX Date of Inquiry : XX/XX/XXXX TRANSUNION : XXXX  Date of Inquiry : XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the ONLY credit reporting agency, that is falsely reporting a paid collection for {$150.00} from my previous apartment community XXXX XXXX. This account was paid BEFORE it made it to collections. it never should of reported at all, I believe something was definitely delayed with all that happened with the covid XXXX shut down, and worse enough its a negative reflection on my credit report. Equifax informed me within a few days that this was accurate and its NOT.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 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 hand written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card

I am writing to file a formal complaint against Synchrony Bank regarding the unjust closure of my Amazon store card account, ending in XXXX. On XX/XX/XXXX, I contacted Synchrony Bank 's customer service to request an increase in my credit limit. However, the interaction with the agent assigned to me was highly unsatisfactory and unprofessional. 

During the call, the Synchrony Bank representative exhibited rude and unpleasant behavior towards me. Their tone was disrespectful, and instead of addressing my request for a credit limit increase, I was compelled to request to speak with their supervisor due to the agent 's unprofessional conduct. I expressed my concerns that such behavior could lead to the closure of my account. 

Regrettably, before I could speak to a supervisor or resolve the matter, the call abruptly ended. Subsequently, when I attempted to reconnect with another agent, I was shocked to discover that my Amazon store card account had been closed without my consent or authorization. 

Since then, I have been tirelessly attempting to rectify this issue with Synchrony Bank. However, their response has been inadequate and frustrating. Despite my repeated requests for an investigation into the closure of my account and a reinstatement of the same, Synchrony Bank has continuously failed to address my concerns satisfactorily. 

Furthermore, instead of acknowledging their mistake and taking appropriate action, Synchrony Bank representatives have repeatedly informed me that I must reapply for a new account. This is utterly unacceptable and unjust. It is evident that Synchrony Bank 's staff failed to adhere to proper procedures and protocols, leading to the wrongful closure of my account. 

I feel extremely victimized by Synchrony Bank 's actions, and their refusal to acknowledge their error is causing undue distress and inconvenience. I implore the Consumer Financial Protection Bureau to investigate this matter thoroughly and ensure that justice is served. 

I am fully committed to cooperating with any investigation and providing any necessary information to resolve this issue promptly. 

Thank you for your attention to this matter. I eagerly await your prompt response and action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters have been sent to all 3 credit Buearus in reference to these accounts listed XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX and XXXXXXXX XXXX. All 4 of these accounts are inaccurately reporting on my credit report. From mix matching account numbers, invalid account numbers, last reported and last activity dates are wrong. I have been sending letters sinceXX/XX/XXXX2022 in reference to verifying these accounts and correcting the eras. Per the FCRA, IF THE ACCOUNTS CANT BE VERIFIED THEY MUST BE REMOVED FROM THE CREDIT REPORT. Reference 15 U.S.C code 1681e- Compliance procedures : ( b ) Accuracy of report.