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

I received a letter from Synchrony Bank stating that I was denied a PayPal Credit account that I never applied for. The letter has a reference number to refer to get more information on what happened and that the card was not approved due to Identity Theft Risk Factors. Synchrony lucky identified this and stopped the approval, as I never requested or started this. However, I have been on the phone trying to get information on this and the customer support does not seem to take this seriously. I have had to call five times as they kept disconnecting me and not calling back. The phone system takes 5-10 minutes to get through each time, because it is trying to get your account information, since I do not have an account this is a long process to talk to someone about this identity theft. I have gotten through a couple times and was on the phone with fraud and security team that said they had the information pulled up and then they transferred to start the process all the way over. I have been working on this for over four hours and keep getting transferred around or placed on holds for 45 minutes at a time. This seems very ridiculous and not helpful in this stress time. After being on the phone again for XXXX hour XXXX minutes and speaking with a supervisor they just set my call back to the starting message again. This company is not taking this seriously and I deserve the right to be assisted in this case.
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the r
eport by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to Equifax on Wednesday XX/XX/2022 about XXXX fraudulent account on my consumer report, XXXX XXXX XXXX XXXX XXXX, in this dispute I included a copy of the FTC identity theft report, a copy of my utility bill, and a copy of my ID. Equifax received a copy of this on XX/XX/2022. Upon receipt of this my score was dropped XXXX points. As of today XX/XX/2022, this account is still not blocked from my consumer report. Per the FCRA 605b it states, ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.

( c ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 
I sent over everything that was required by law and it's still showing on my consumer report. I also have called Equifax a total of 2 times today on XX/XX/2022 for both representatives to tell me by law I have to wait 30 days even though it's an identity theft account and wait for a response from the creditor. This is unfair and unacceptable to be as I am a identity theft victim.
Product: Bank account or service

The big problem where I have an enormous financial loss, being a conservative / moderate, is by a XXXX investment of UBS. Similar XXXX investment offered by XXXX XXXX XXXX in six times in XXXX with our maturities in XXXX. All my XXXX dollars ' maturities were invested in those XXXX by XXXX XXXX XXXX without any term-sheet or confirming-sheet. I ask him the confirmation by email. I attach the email* with the petition and braking, if there is not the confirmation asked. 
XXXX investment has a clause specifying that can not be proposed in the USA. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX and no other option. 

The six times XXXX investment was proposed by UBS/ XXXX XXXX XXXX XXXX the worst scenario because all indicators pointed to a strengthening dollar : very basic aspect to require any broker to have had him in mind. By contrast, UBS is betting the XXXX and in XXXX investment repeated six times. UBS has broken a golden rule so far he must know. 

UBS breaks my profile of moderate/conservative without any notice. All my investments are conservative and UBS knew this and I have been always very clear with XXXX XXXX about to risk only rates, not capital. XXXX XXXX recognized to have made that mistake and not follows my instructions. 

I have a financial loss to date of {$300000.00}. This is my request : UBS assumes that responsibility ; for not having covered these basic rules that are the most elemental for a broker. However, if the authorities confirm the UBS criminal actions, then, my claim would be for much more. 

UBS claims that this type of investment I made over several years. XXXX XXXX acknowledges that he has only who phoned to me for such investments XXXX, and never that I have asked them to him. Also, that it has not a high-risk prevention ; UBS recognized high-risk only after my complaint, never before. Even if I have made such investments before, always I felt they were under the protective mantle of respecting my profile moderate/conservative. In addition, they did not report losses that forced me as now to ask UBS response. 

If UBS does not assume such responsibilities, it is to break with the nature of a broker ; not respecting the most basic principles of investors. To accept that UBS can break the investor profiles, and moreover without their consent or warning, it means do not have any kind of investor protection. To accept that UBS can risk the assets of investors in XXXX instrument at high risk, and without any prevention, it is an extreme. If UBS does not respond and the authorities do not punish, it damages all the reliable broker environment and I ask the authorities protection and the laws that sanction this, or in the worst case, the specific laws that accepted those actions.
Product: Credit reporting or other personal consumer reports

I requested a security freeze be placed on my credit profile on XX/XX/XXXX.
Product: Credit card

I strongly insist on the removal of this late payment from my account, as it inaccurately reflects my payment history. I have consistently maintained timely payments, and it is unfair to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.
Product: Debt collection

I was ruined by Covid-19, and for a long period of time I was using my savings to maintain my payments on credit cards. Eventually I just ran out of savings and making payments were not possible. However, I was hoping that your financial institution would eventually sell off my debt to a third-party debt buyer. Or at least make an offer in compromise to resolve the account. That has not happened. Accordingly, I am reaching out to see if a reasonable offer is possible. I have no other recourse but the reach out through the Consumer Financial Protection Bureau ( CFPB ). I do realize that bankruptcy is an option, but I wanted to see if there was an alternative. Please reach out to me through the CFPB. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items 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 items 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 are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX SC XXXX Balance : {$340.00} XXXX XXXXXXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following loans pasted below are not late and have never been late. I have been a continuous college student since XXXX and XXXX forward to present. All my student loans are deferred in an IBR ( Income Based Repayment ). XXXX sent mail to an old address when I did update them and whoever the customer service rep was at the time did not update the address. I am requesting all 90 day and 120 day late and all late to be removed from the XXXX accounts. XXXX is not telling the truth and may be reporting inaccuracies on my credit due to XXXX discrimination because I am a person of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I have multiple inquiries from this company showing up on my credit report from the days listed below. I did not authorize these inquiries. Transunion has sent out letters on my behalf to request removal on two occasions. I am a victim of identity theft and I need these inquiries removed as it is messing up my credit worthiness.
Product: Student loan

I have had issues with Navient in the past. They have been charging interest/fees ect. that I was told I would not have to pay as a part of the COVID stimulus. But, that is not my issue right now. My employer issued a check for {$5200.00} in an attempt to pay part of my student loan. That check was cashed almost immediately but not applied to my account. When I questioned it ( Case # XXXX XXXX they stated that I sent the check to the wrong address and gave me a different payment address to send it to. That address specifically states on their website that it is for inquiry only. Over a month after the initial payment was cashed, my employer received a check back and reissued the payment to the address I was given. Now it has been over a month since the re-issue and still the payment has not been applied to my account. Since I am on the accounting team at my place of employment, I could look up that the check cleared the bank on XX/XX/XXXX. It is now XX/XX/XXXX and it has not been applied properly. I now have nearly 4 months worth of late fees and interest that I should not have had to pay. I am at my wits end on what to do.
Product: Credit reporting or other personal consumer reports

HELLO, I AM NOT DOING WELL. I AM VERY STRESSED OUT. I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting. Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received.
Product: Debt collection

PRA started to garnish my wages without notification. I had no knowledge of them attempting to garnish my wages. I was not properly notified of wage garnishment. Only knowledge of anything is when I got paid. This is unlawful and they should not be able to garnish wages with out notifing the consumer
Product: Credit card or prepaid card

My original complaint number is XXXX. 

I received an email from Bank of America on XX/XX/2022 XXXX XXXX XXXX to contact the agent at Bank of America by XX/XX/2022. I contacted XXXX. The phone number asks to enter XXXX digit extension. I received XXXX digit extension - ext XXXX. The email provided is not monitored. So, I am not sure how to contact the agent. 

See email message received below as well as attached. 

======================================================== XXXX XXXX XXXX, Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/2022 to confirm that information. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday thru Friday, XXXX XXXX. 

Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Operations ( RCO ) XXXX ext XXXX XXXX XXXX XXXX Bank of America logo Life 's better when we're connected
Product: Credit reporting, credit repair services, or other personal consumer reports

I disagree with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

In addition this agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692gFurthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections.

Your cooperation and prompt attention are greatly appreciated. 

In addition I have provided documents showing XXXX  Account Number : XXXX Has been paid in full and I have updated the payment history and title of the automobile title. I am annoyed and outraged at your accusation and I have researched my rights in regard to my credit file. Please expedite my original request immediately.

Per law you must honor 15 U.S. Code 1692g - Validation of debts. I find that either you unmoral or youre not familiar with the law therefore below is a definition.
Product: Credit reporting or other personal consumer reports

False or deceptive portrayals You violated 15 U.S. Code 1681s2 ( 3 ) of the FCRA. I protested these inaccuracies more than 35 days ago, but you have yet to mark them as disputed. You lead me to lose out on opportunities by incorrectly reporting this item and failing to indicate that it was disputed.

The following elements should be removed from my consumer report XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> XXXX. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer. 
XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account.

4. " 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) XXXX  reports in connection with credit or insurance transaction That is not initiated by the consumer '' XXXX Account Number : XXXX Under 15 U.S Code 1681a ( 2 ) ( A ) ( i ) No transaction should be included in a credit report I demand you to remove this account. 
XXXX. FDCPA section 807 violation misleading false reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
6. 15 U.S. Code 1645 Business credit cards limits on liability of employees XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
As evidenced, you are required to provide notification within 30 days, not one day later.

As a consumer, the accounts listed in this letter must be deleted immediately, or I will file a claim for monetary damages in small claims court in my city and state under 15 USC 1681n civil liability because my rights have been infringed. In addition, we have already sent this letter to the Complaint portals for the Consumer Financial Protection Bureau, the State Attorney General 's Office, XXXX XXXX XXXX XXXX, and the Federal Trade Commission. 
Sincerely, XXXX XXXX
Product: Credit card

I currently have a major credit card through Ally. It seems as though my transactions are limited, depending on certain merchants. They are not allowing a transaction to go through because they categorize the merchant as high risk. At this point, they can categorize any merchant as high risk and prevent me from using my actual credit card. Not being able to make purchases on my investment account is costing time and money. They tried to override the system and my card is still is not able to be used. I plan on taking a trip in the summertime, and I do not want my card to be declined because Ally decided to put certain companies on a higher risk. Im asking that you have them fixed their policies so us as consumers can use our resources as we wish
Product: Checking or savings account

On XX/XX/2019, two fake checks of XXXX dollars and XXXX dollars were deposited into my account through a mobile app. After these two checks were deposited, two XXXX transactions of XXXX dollars and XXXX dollars were sent through the mobile app as well, about 5 minutes after the checks were deposited. 

When I called USAA bank, they told me the checks were found fraudulent, but I would be held responsible for the XXXX dollars sent through XXXX from the app. They told me the only thing I could do is submit a police report, upload it through the mobile site, and they would investigate. 

Less than 24 hours after uploading the police report I submitted onto the website, I receive a document stating my claim was denied and I will still be held responsible.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : 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

On or about XX/XX/XXXX I sent a letter to XXXX XXXX and XXXX to dispute the amount reported from XXXX XXXX Card to both credit reporting bureaus. I frequently utilize XXXX XXXX to monitor my credit report, upon doing so I discovered a mistake that was made by XXXX XXXX XXXX XXXX. 
Issue : On the credit report XXXX clearly did not indicate the payment that was made to them on XX/XX/XXXX ( {$54.00} ) & XX/XX/XXXX ( {$64.00} ) to both credit bureaus. Please see uploaded document form my XXXX XXXX online account billing invoice highlighted for supporting documentation. 

2nd Issue : I mailed a dispute letter to XXXX & XXXX XXXX to correct XXXX XXXX 's mistake. XXXX XXXX notified me by mail stating that this this information was disputed and updated. Upon receiving a new credit report from XXXX XXXX ( pg. 5 out of 12 ) still have down that I was thirty days late with payment. My XXXX XXXX card is due the XXXX of each month. XXXX XXXX failed to report this information correctly to my credit report.