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

These fraudulent accounts are from the direct result of identity theft. 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.XXXX  XXXX. 
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.
Product: Credit card or prepaid card

this bank is a rip off they cheat people and get away with it they claimed i inverted numbers but refused to let me hear the call they also claim to mail stuff out on a specific date but yet takes over 2 weeks to receive it they also say they responded to my compliant but i never seen it or got it
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing this letter to dispute several items on my credit report, which I believe are inaccurate and damaging my credit score. As per the Fair Credit Reporting Act ( FCRA ) Section 611, I have a right to dispute any inaccuracies in my credit report. 

My name is XXXX XXXX, and the following are the negative items that I would like to dispute : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand that it be removed from my credit report immediately, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX - Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately, as per FCRA Section 611 ( a ) ( 1 ) ( A ). 

XXXX  XXXX XXXX A - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX  - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX XXXX XXXX XXXX - Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ). 

XXXX - Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report, as per FCRA Section 611 ( a ) ( 2 ).

I kindly request you to conduct a thorough investigation into these accounts and provide me with a written explanation of your findings, as per FCRA Section 611 ( a ) ( 1 ) ( B ). 

Thank you for your cooperation in resolving these issues. 

Sincerely, XXXX XXXX
Product: Credit card

The company assures customers that they can request refunds for membership fee using their website. I requested a refund for membership fee on XX/XX/year> ( which was the same day of the payment ). I was told by email today, XX/XX/year>, that they couldn't process my refund and that I'd need to call customer service. Given past interactions with customer service concerning myself, friend and family, I am filing a complaint with CFPB so that I have documented evidence of our interactions. I was not provided any explanation why they could not process my refund. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX {$130.00}
Product: Credit card or prepaid card

I have contacted Synchrony Bank about having closed my account in late XXXX. They mailed me a check with the incorrect address information on it despite I received my card with the correct information at the same address. They told me multiple times they were sending another check and yet they confirmed they have only ever sent one check. XXXX XXXX is doing this purposefully to keep my money as a free loan. Knowing their reputation should make holding them accountable easier
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer SSN : XXXX Consumer DOB : XX/XX/year> I am writing to file a formal complaint against Lexis Nexis, XXXX XXXX XXXX and XXXX regarding their handling of a fraudulent bankruptcy entry on my credit report. This entry is the result of identity theft, and despite my efforts to resolve the issue directly with the credit reporting agencies, the problem persists unresolved. Below are the details of my complaint : Identity Theft Incident 1. Nature of Fraud : An unauthorized bankruptcy was filed in my name without my knowledge or consent. 2. Date of Discovery : XXXX XXXX 3. Impact : This fraudulent bankruptcy entry has severely damaged my credit report and financial standing, affecting my ability to obtain credit and maintain a positive financial profile. Actions Taken 1. Reporting the Incident : I filed an identity theft report with Federal Trade Commission ( FTC ) ] Report Number XXXX. I have submitted a personal statement to the credit bureaus detailing the identity theft and requesting the immediate removal of the fraudulent bankruptcy entry. 2. Dispute with Credit Bureaus : I have disputed the fraudulent bankruptcy entry with Lexis Nexis, XXXX and XXXX under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2, which mandates the blocking of information resulting from identity theft within four business days. I have notified the credit bureaus that I am opting out of information sharing and withdrawing any consent for the reporting of this fraudulent bankruptcy. Issues Experienced 1. Lack of Response and Action : Despite my disputes and identity theft report, the fraudulent bankruptcy remains on my credit report. Negligent Violation under 15 usc 1681o. The credit bureau has not removed the fraudulent information in a timely manner, as required by 15 U.S.C. 1681c-2. This section of the FCRA requires removal of such information within four business days. The credit bureau has not provided adequate verification or a satisfactory explanation for the continued presence of the fraudulent bankruptcy entry. 2. Privacy Violations : The handling of my personal information appears to be inconsistent with privacy protections under 15 U.S.C. 6802 ( Opt-Out Right ) and 16 C.F.R. 313.7 ( Prohibition Against Disclosures to Nonaffiliated Third Parties ). My personal data has been improperly used, impacting my financial standing. 3. Non-Compliance with Fair Credit Reporting Act ( FCRA ) : According to 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to ensure maximum accuracy of the information. The continued reporting of this fraudulent bankruptcy indicates non-compliance with this requirement.
Product: Checking or savings account

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 
PLEASE CREDIT ACCOUNT!! 
XXXX CALLED ME FROM XXXX XXXX She said she could email me. And list the fraud claims but she never did. Please have her call me again tomorrow or wed. 
Your friend, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Yesterday I tried opening an account with credit union. No luck. 
Please contact corporate headquarters in XXXX XXXX. Ceo not XXXX. XXXX is doing nothing. 
There's also a charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX That's fraud. Please look into that!! 
Please look into that.
Product: Debt collection

The company is alleging I owe a debt from a payday loan, While I did take out payday loans in Nevada in the mid XXXX all of these loans were paid. Not to mention that they are barred by the statute of limitations on debt collections past 6 years. The company refuses to produce any evidence of the loans and are insisting that criminal actions are being filed unless I pay them money. Repeatedly calling, harassing and cursing at me. I am an attorney and I know this is against the law.
Product: Vehicle loan or lease

I had an existing loan with USBank for a boat. The boat was caught by a tornado and suffered a catastrophic loss. I paid the remaining amount owed ( in full ) with a personal check and the insurance company issued a loss claim check for the amount owed and US Bank was a co-signer on the check. Since I paid off the loan already, I asked them to co-sign and then they confiscated the check, saying that they have a process for claims andit needed to be sent to claims dept. I told them I already paid the existing loan off. They indicated I should cancel my personal check. Which I tried to do with XXXX XXXX, but was informed that US Bank already cashed/processed it. I have been waiting for over two months for them to return the insurance check or refund my money over {$26000.00} and they will not refund my money or return the insurance check.
Product: Credit card or prepaid card

On XX/XX/XXXX and XX/XX/XXXX I accidentally made payments to my credit card from an incorrect account, which caused the payments to bounce. I was not notified via email or on my online banking that the payments had bounced, other than in my transaction activity. The company sent me a letter, and I only received the letter about the XXXX payment bouncing on XX/XX/XXXX. After discovering the bounced payments in the history, I scheduled another payment on XX/XX/XXXX, but my card declined when I tried to use it. I called Chase, and was informed my account had been reviewed and closed due to the bounced payments. I have never, ever, bounced a payment to Chase in the 13 years I have had the card, and always paid off my balance on a monthly basis. The lack of timely information about the first bounced payments caused me to inadvertently make a second bounced payment. Had I received timely notification, via email or text alert, it would not have happened a second time. It is almost like Chase wants to make it harder to know you have bounced a payment, to ensure maximum fee income.
Product: Debt collection

I was never served properly as required by NJ Laws. This is my right as a tenant. 
Instead, when I requested validation of the debt, it went to collectors without any effort to address the inaccuracies and fraudulent charges. Also, I should have received a certified validation of debt. They had my forwarding address. 

The emailed letter they sent was filled with errors/typos but also shows they had my forwarding address in California. 

I have submitted the " bill '' I received from XXXX which shows how unprofessional and " made-up '' these charges are. I provided evidence to immediately dispute these charges. 

It is hurting my credit as it was sent to collections. 
There is a lot more problematic handlings between this debt collector and XXXX XXXX which have a history of this type of unethical behaviors.
Product: Credit reporting or other personal consumer reports

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


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


I demand the late payment reported in 60 days to be removed. 


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


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


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.
Product: Debt collection

On XX/XX/year> i called Radius Global Solutions for XXXX XXXX XXXX collection on my XXXX XXXX and they asked me for all my information to pull up the collection. Then asked me to pay {$1.00} to dispute credit. After pulling up my credit XXXX which is the second person i talked with. I talked to XXXX the first time. XXXX explained to me that i had XXXX collections with Radius Global Solutions and also XXXX XXXX XXXX and XXXX of XXXX XXXX XXXX XXXX XXXX. He told me i had XXXX options to pay it off or pay {$1.00} to dispute them so i payed the dollar. Then he told me to dispute the collections i would have to pay {$1000.00} but i would have to pay {$500.00} up front. they sent me paperwork to sign an agreement but i didn't sign it.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) Due to inadequate customer, service, and unfair practices. Which violate the Consumer Financial Protection act ( CPFA ). Specifically, Cash App failed to take XXXX. Affective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive as they did not comply with a resolution requirements under the electronic fund, transfer act, ( EFTA ) and Regulation E these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account Number XXXX Fed Student Loan Account 150,000+ XX/XX/2019 and XX/XX/2019 show as 90 days and 120 days delinquent, respectively. I was not delinquent because I was working with them to get a new Income Driven Repayment plan, at their instruction. I spoke with a representative on XX/XX/2019 at approximately XXXX who said that she understood that there had been a mix up and that they would make sure that everything was cleared on my account and that I would be able to continue working towards a resolution for my Income Driven Repayment options. I was unaware of the incorrect reporting of 90 and 120 days until I checked my credit after I was told that XXXX  had a breach and my information/SSN was a part of that breach.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX ; XXXX  XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card

A fraudulent charge in amount of {$1500.00} posted to my Synchrony Mastercard on XX/XX/21. Synchrony was notified of the fraud, however, does not appear to investigate, no credit issued as temporary to date. I've looked into the charge myself ; it appears an item was ordered from a merchant, XXXX, shipped via XXXX under tracking ID XXXX, item was left at a drop off point, not my address. XXXX investigated, unable to locate package, advised to contact shipper. A copy of their email reply is attached via screen shot to this complaint. XXXX was notified as well, however, they refused to investigate, closed my XXXX account.. I request Synchrony look into charge, issue temporary credit, if possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom Debt relief negotiated a settlement with a collection agency handling a credit card balance for XXXX XXXX XXXX XXXX that had been sent to XXXX XXXX XXXX XXXX XXXX XXXX. Prior to the first payment of {$380.00} on XX/XX/22 they took a large fee in the amount of {$2400.00} on XX/XX/22. The second payment of {$380.00} was paid on XX/XX/22, The third payment was sent on XX/XX/22 in the amount of {$380.00} but was returned to them unprocessed, however, they took an additional settlement fee of {$170.00} on XX/XX/22. I can not find any credit back to my disbursement account for the returned {$380.00} and they keep taking settlement fees related to the XXXX XXXX XXXXXXXX XXXX even though they are not processing the payments any longer. I sent numerous correspondence to them to find out what happened to the settlement but they do not respond. Finally today XX/XX/22 I called XXXX XXXX XXXX and found the they no longer have the account which apparently has been pulled back to XXXX XXXX by the issuer. I am completely disgusted with their lack of communication and what may be fraud on their part regarding the fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up In accordance with the Fair Credit Reporting act XXXX  Account # 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: Checking or savings account

I applied for a checking and savings account. Additional information was requested to process my application and I never provided that information and never signed anything and never made any deposits. I called and requested my application be cancelled. I was told it was cancelled. 2 months later I receive a letter in the mail stating {$59.00} overdraft fees. I called 2 weeks ago and was told the fees were waived and my accounts were closed. 

I have not received any confirmation about account closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 my credit score went down 51 points on XXXX XXXX and 69 points in equifax. This is strange because I have no new accounts and all my credit cards have been paid on time. I have called XXXX XXXX but they have been very difficult and were not able to explain why my credit went down by this huge sum. I am worried because my credit has never went down this much for no reason. Equifax does not have an option for me to dispute my charges making it hard. No one can answer my question and it is proving to be frustrating. I am tired of not getting an answer or being told something generic and off the script. My credit has been reported falsely and I want to know why and I want it fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, Synchrony Bank transferred their XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, the balance was transferred to XXXX. Effective XX/XX/XXXX, all monthly payments were submitted to XXXX. When I went to Synchrony Banks website and clicked XXXX XXXX, it states that they were transferred to XXXX, effective XX/XX/XXXX. 

I'm in the process of purchasing a vehicle and when I reviewed my credit report from XXXX ( paid credit monitoring service ), I noticed that BOTH Synchrony Bank and XXXX shows the account as open, active and has a balance. It appears the accounts were duplicated instead of being transferred. I checked XXXX and XXXX and they are reflected correctly. XXXX refuses to correct my Credit Report. 

On XX/XX/XXXX, I submitted a Dispute with XXXX. When I didn't hear back from them, I reviewed the dispute status report ( created on XX/XX/XXXX ) and it said the Creditor XXXX Synchrony Bank located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX confirmed the account was active, open and had a balance. The exact wording in the report is : INVESTIGATION RESULTS- VERIFIED AS ACCURATE AND UPDATED. This is incorrect because the balance was transferred to XXXX. 

On XX/XX/XXXX, I called XXXX to determine what documentation was submitted by Synchrony Bank to confirm the account was active, open and had a balance. They could not provide the information although I spoke with a customer service representative and a supervisor. They explained that they submitted the dispute details to Synchrony Bank electronically and that Synchrony Bank did not include any supporting documentation, but confirmed the information was correct. I explained that I had called Synchrony Bank for the last 30 days and not a single customer service representative could pull up my account details because the account was transferred to XXXX. I asked if they could provide, Synchrony Bank contact info, specifically a phone number or a name, and they declined. 

Thus far, I've called Synchrony Bank at XXXX ( instantly transferred to XXXX ), XXXX ( no help ), XXXX XXXX XXXX ( no help ), XXXX XXXX XXXX ( no help ) and XXXX ( no help ). 

I called XXXX ( XXXX XXXX XXXX ) again and explained the situation and they said they couldn't help me anymore and I would need to reach out to Synchrony Bank who doesn't have me in the system. As a result, today ( XX/XX/XXXX ) I canceled my XXXX XXXX XXXX subscription because clearly they aren't monitoring anything. I've been paying {$14.00} for years for nothing. 

The double accounting error isn't reflected on XXXX or XXXX credit reports, I don't know how to fix the error. XXXX keeps sending me to the Creditor ( Synchrony Bank ), who provided them no documentation and Synchrony Bank can't find me in their system. I'm in limbo and going in circles. 

I submitted another dispute today to XXXX for the same issue.